Greeley VA Loans

GREELEY, CO

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Greeley's 174 lenders originated 2,517 VA loans during 2021. The total origination value was $965,055,000, with an average VA loan value of $383,415.

    Greeley VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Greeley averaged 6.39% for the week of 2022-09-23, compared to the national average (all VA variants) of 5.992% for the same period.

    The average rate for the prior week (2022-09-16) was 6.25% and one month ago for the week of 2022-08-19, the average rate was 5.5%.

    The average rate one year ago was 3.11%.

    For refis of the same type during the week of 2022-09-23, the average rate was 6.1%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Greeley VA Loan Lenders by Rates & Fees

    The below table looks at the average fees and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Greeley level.

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    FREEDOM MORTGAGE CORPORATION 173 2.39% $3,754
    UNITED WHOLESALE MORTGAGE, LLC 149 2.53% $8,260
    Mortgage Research Center, LLC 136 2.77% $7,271
    QUICKEN LOANS, LLC 117 2.43% $6,581
    PENNYMAC LOAN SERVICES, LLC 101 2.35% $6,500
    AMERICAN FINANCING CORPORATION 94 2.51% $5,947
    CALIBER HOME LOANS, INC. 92 2.47% $5,520
    LOANDEPOT.COM, LLC 92 2.55% $7,874
    HOME POINT FINANCIAL CORPORATION 72 2.42% $5,737
    CROSSCOUNTRY MORTGAGE, LLC 68 2.99% $9,043
    LAKEVIEW LOAN SERVICING, LLC 65 2.39% $3,588
    DHI MORTGAGE COMPANY, LTD. 58 2.65% $9,554
    NAVY FEDERAL CREDIT UNION 42 2.49% $6,495
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 41 3.04% $9,155
    CHERRY CREEK MORTGAGE, LLC 40 2.65% $5,440
    BROKER SOLUTIONS, INC. 38 2.76% $9,819
    USAA Federal Savings Bank 35 2.78% $5,292
    Mr. Cooper ( Nationstar Mortgage ) 32 2.55% $5,668
    VILLAGE CAPITAL MORTGAGE 29 2.26% $3,772
    CLEARPATH LENDING 28 2.23% $4,506
    PRIMARY RESIDENTIAL MORTGAGE, INC. 26 2.84% $9,327
    GUILD MORTGAGE COMPANY 25 2.77% $9,675
    NEW DAY FINANCIAL, LLC 23 2.83% $7,777
    CORNERSTONE HOME LENDING, INC. 21 2.87% $8,532
    HOMEAMERICAN MORTGAGE CORPORATION 21 2.69% $4,975
    The Federal Savings Bank 21 2.49% $9,818
    PLANET HOME LENDING, LLC 21 2.82% $4,264
    Wells Fargo Bank 19 2.55% $5,996
    INSPIRE HOME LOANS INC. 18 2.83% $8,343
    ACADEMY MORTGAGE CORPORATION 17 2.75% $8,799
    GROUP MORTGAGE, LLC 16 2.76% $7,020
    Amerifirst Financial, Inc. 14 2.59% $7,847
    UNIVERSAL LENDING CORPORATION 14 3.06% $9,201
    MEGASTAR FINANCIAL CORP. 14 2.85% $7,737
    NEWREZ LLC 13 2.63% $3,098
    Low VA Rates, LLC 11 2.58% $5,678
    Gateway First Bank 11 2.65% $9,008
    GUARANTEED RATE AFFINITY, LLC 11 2.48% $6,177
    EAGLE HOME MORTGAGE, LLC 11 2.55% $11,384
    Barrington Bank & Trust Company, N.A. 11 2.85% $7,990
    First National Bank of Omaha 11 2.93% $3,762
    HOMEBRIDGE FINANCIAL SERVICES, INC. 10 2.57% $9,619
    InterContinental Capital Group, Inc 10 2.29% $3,299
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 9 2.67% $6,872
    Elevations Credit Union 9 2.51% $8,191
    BNC National Bank 9 2.28% $6,013
    Flagstar Bank, FSB 8 2.98% $13,008
    NBH Bank 8 2.66% $3,581
    SUN WEST MORTGAGE COMPANY, INC. 8 2.50% $3,679
    First Guaranty Mortgage Corporation 8 2.45% $4,161
    HOME MORTGAGE ALLIANCE, LLC 8 2.61% $11,065
    Carrington Mortgage Services, LLC 7 2.75% $3,960
    Hometown Lenders, Inc. 7 2.73% $9,645
    Northpointe Bank 7 2.88% $12,217
    AMERISAVE MORTGAGE CORPORATION 7 2.66% $6,820
    NFM, INC. 7 2.80% $14,543
    Ent Credit Union 7 2.48% $9,936
    Bank of Colorado 7 2.55% $5,565
    Nations Lending Corporation 6 2.94% $12,384
    Magnolia Bank 6 2.81% $8,239
    NEST HOME LENDING, LLC 6 2.58% $16,178
    GUARANTEED RATE, INC. 6 2.46% $6,108
    BOKF 6 2.83% $10,768
    NP, Inc. 6 2.27% $4,606
    LOANPAL, LLC 6 2.48% $8,999
    CELEBRITY HOME LOANS, LLC 6 2.73% $8,980
    Bank of England 5 2.95% $7,093
    THRIVE MORTGAGE, LLC 5 2.80% $14,612
    S1L, Inc. 5 3.05% $6,029
    American Mortgage & Equity Consultants, Inc. 5 2.72% $13,930
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 2.80% $7,612
    FINANCE OF AMERICA MORTGAGE LLC 5 2.43% $7,394
    CMG MORTGAGE, INC. 5 2.48% $10,441
    Plains Commerce Bank 5 2.65% $12,810
    ACCELERATE MORTGAGE, LLC 5 2.65% $10,107
    Loan Simple, Inc. 5 2.55% $4,175
    U.S. Bank 4 2.69% $3,591
    First Western Trust Bank 4 2.75% $9,247
    UNION HOME MORTGAGE CORP. 4 2.88% $13,906
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 2.78% $10,906
    The Home Loan Expert LLC 4 2.47% $6,408
    Meridian Bank Corporation 4 2.25% $2,663
    Sunflower Bank 4 2.69% $5,994
    HOMESIDE FINANCIAL, LLC 4 2.50% $8,181
    Mid-Continent Funding, Inc. 4 2.78% $7,566
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 2.59% $6,151
    Financial Funding Solutions, Inc. 4 2.81% $13,319
    KBHS HOME LOANS, LLC 4 3.03% $14,720
    CHURCHILL MORTGAGE CORPORATION 3 2.88% $12,825
    NOVA FINANCIAL & INVESTMENT CORPORATION 3 2.46% $2,795
    AMERICAN FINANCIAL NETWORK, INC. 3 3.17% $14,765
    Paramount Bank 3 2.58% $23,760
    CONTOUR MORTGAGE CORPORATION 3 2.58% $7,918
    PLAZA HOME MORTGAGE, INC. 3 2.29% $4,790
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 2.96% $1,993
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 2.88% $8,354
    SWBC MORTGAGE CORPORATION 3 2.83% $4,088
    T2 FINANCIAL LLC 3 2.83% $14,417
    VAN DYK MORTGAGE CORPORATION 3 3.04% $17,830
    ALL WESTERN MORTGAGE, INC. 3 3.46% $3,214
    Commerce Home Mortgage, Inc. 3 2.75% $9,055
    MORIA DEVELOPMENT, INC. 3 2.79% $14,248
    MUTUAL OF OMAHA MORTGAGE, INC. 3 2.38% $5,826
    NBKC BANK 3 2.50% $1,612
    First Savings Bank 2 2.25% $1,699
    MANN FINANCIAL INC. 2 2.63% $10,746
    First Midwest Bank 2 2.38% $2,324
    Armed Forces Bank 2 2.38% $8,875
    EVERETT FINANCIAL, INC. 2 2.94% $2,801
    PENTAGON FEDERAL CREDIT UNION 2 2.50% $8,492
    Wyndham Capital Mortgage, Inc. 2 2.31% $863
    Equity Prime Mortgage LLC 2 3.00% $5,782
    MOVEMENT MORTGAGE, LLC 2 3.06% $962
    TJC Mortgage, Inc. 2 2.25% $6,816
    PARTNERS UNITED FINANCIAL, LLC 2 2.81% $9,589
    DRAPER AND KRAMER MORTGAGE CORP. 2 2.44% $8,673
    STEARNS LENDING, LLC 2 2.38% $2,427
    SOVEREIGN LENDING GROUP INCORPORATED 2 2.38% $2,789
    North American Savings Bank, F.S.B. 2 2.25% $6,888
    DHA FINANCIAL, LLC 2 2.50% $3,591
    Prime Choice Funding Inc. 2 2.38% $2,912
    LEADERONE FINANCIAL CORPORATION 2 2.44% $2,145
    CITYWIDE HOME LOANS, LLC 2 2.75% $11,135
    BAY EQUITY LLC 2 2.69% $4,641
    Independent Bank 1 3.25% $2,488
    AMCAP MORTGAGE, LTD. 1 3.25% $4,565
    AXIA FINANCIAL, LLC 1 2.25% $2,634
    Bank of America 1 2.25% $0
    Century Mortgage Company DBA Century Lending Company 1 2.88% $15,170
    Community First National Bank 1 2.25% $2,524
    Credence Funding Corporation 1 2.25% $2,634
    CRESCENT MORTGAGE COMPANY 1 2.50% $10,644
    DIRECT MORTGAGE LOANS, LLC 1 2.99% $5,975
    EMBRACE HOME LOANS, INC. 1 2.25% $3,625
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 2.38% $4,043
    FirstBank 1 2.25% $3,870
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.63% $4,469
    FIRST COMMUNITY MORTGAGE, INC. 1 2.50% $3,378
    First Federal Bank 1 2.75% $7,597
    First Home Bank 1 2.25% $15,448
    First Mortgage Solutions, LLC 1 2.25% $16,711
    Flanagan State Bank 1 3.13% $12,197
    FLAT BRANCH MORTGAGE, INC. 1 2.50% $14,746
    Florida Capital Bank 1 2.75% $14,257
    Great Western Bank 1 2.25% $1,869
    GUARANTY HOME MORTGAGE CORPORATION 1 3.00% $13,825
    Home Mortgage Alliance Corp 1 2.63% $3,626
    HOMESTAR FINANCIAL CORPORATION 1 3.75% $13,052
    Hometown Equity Mortgage, LLC 1 2.75% $3,780
    IDEAL HOME LOANS LLC 1 2.25% $1,958
    Academy Bank 1 2.75% $12,703
    INFINITY MORTGAGE HOLDINGS, LLC 1 3.25% $15,762
    Jonah Bank of Wyoming 1 2.25% $1,782
    KELLER MORTGAGE, LLC 1 3.75% $5,782
    KS StateBank 1 2.75% $10,918
    Lakeview Community Capital, LLC 1 2.38% $2,834
    LENDUS, LLC 1 2.25% $2,200
    LENOX FINANCIAL MORTGAGE CORPORATION 1 2.25% $3,859
    OPEN MORTGAGE, LLC 1 2.63% $3,132
    Paramount Residential Mortgage Group, Inc. 1 3.25% $3,199
    PINNACLE LENDING GROUP, INC. 1 2.25% $13,684
    PREMIA MORTGAGE, LLC 1 2.25% $15,703
    PROPER RATE, LLC 1 2.25% $928
    SECURITYNATIONAL MORTGAGE COMPANY 1 2.50% $16,489
    SOUTHWEST STAGE FUNDING, LLC 1 2.88% $2,928
    Strong Home Mortgage, LLC 1 2.25% $17,808
    SUMMIT FUNDING, INC. 1 2.38% $6,132
    The Central Trust Bank 1 2.25% $1,931
    THE MORTGAGE COMPANY 1 2.25% $3,566
    TOP FLITE FINANCIAL, INC. 1 2.75% $15,116
    TOWNE MORTGAGE COMPANY 1 2.75% $2,276
    V.I.P. MORTGAGE, INC. 1 2.50% $26,051
    Wallick & Volk, Inc. 1 3.25% $7,770
    ZILLOW HOME LOANS, LLC 1 2.25% $10,616

    The top Greeley VA lender as defined by loan originations is FREEDOM MORTGAGE CORPORATION, with 173 VA loans originated. Their average total fees are $3,754, which is $4,506 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Greeley VA lenders (with over 10 loans originated) are NEWREZ LLC ($3,098), InterContinental Capital Group, Inc ($3,299), LAKEVIEW LOAN SERVICING, LLC ($3,588), FREEDOM MORTGAGE CORPORATION ($3,754) and First National Bank of Omaha ($3,762).

    The lowest rate Greeley VA lenders (with over 10 loans originated) are CLEARPATH LENDING (2.23%), VILLAGE CAPITAL MORTGAGE (2.26%), InterContinental Capital Group, Inc (2.29%), PENNYMAC LOAN SERVICES, LLC (2.35%) and FREEDOM MORTGAGE CORPORATION (2.39%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Greeley (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $420,193 (7.8%) $491,573 (7.4%) 1.55 840
    2018-02-01 $424,544 (4.8%) $502,237 (5.5%) 1.53 819
    2018-03-01 $425,000 (3.8%) $501,190 (3.6%) 1.47 832
    2018-04-01 $424,400 (-0.1%) $500,661 (0.5%) 1.42 874
    2018-05-01 $436,400 (-0.3%) $515,163 (1.2%) 1.46 885
    2018-06-01 $435,000 (1.0%) $517,772 (4.4%) 1.45 971
    2018-07-01 $421,440 (0.3%) $520,150 (7.8%) 1.41 1,075
    2018-08-01 $415,000 (-1.2%) $507,899 (4.5%) 1.39 1,116
    2018-09-01 $418,094 (-1.4%) $494,765 (0.0%) 1.40 1,221
    2018-10-01 $417,294 (-2.8%) $487,545 (-2.6%) 1.40 1,353
    2018-11-01 $419,950 (-0.6%) $488,169 (-2.0%) 1.41 1,339
    2018-12-01 $420,000 (0.0%) $489,713 (-1.0%) 1.44 1,219
    2019-01-01 $419,450 (-0.2%) $495,321 (0.8%) 1.45 1,149
    2019-02-01 $415,450 (-2.1%) $495,317 (-1.4%) 1.39 1,112
    2019-03-01 $426,000 (0.2%) $507,505 (1.3%) 1.39 1,150
    2019-04-01 $431,000 (1.6%) $515,995 (3.1%) 1.36 1,250
    2019-05-01 $432,450 (-0.9%) $512,973 (-0.4%) 1.33 1,289
    2019-06-01 $425,000 (-2.3%) $506,122 (-2.3%) 1.31 1,393
    2019-07-01 $413,875 (-1.8%) $492,021 (-5.4%) 1.29 1,422
    2019-08-01 $405,714 (-2.2%) $486,719 (-4.2%) 1.28 1,443
    2019-09-01 $399,950 (-4.3%) $477,936 (-3.4%) 1.27 1,428
    2019-10-01 $408,000 (-2.2%) $483,918 (-0.7%) 1.30 1,438
    2019-11-01 $415,000 (-1.2%) $494,628 (1.3%) 1.34 1,326
    2019-12-01 $418,950 (-0.3%) $505,586 (3.2%) 1.40 1,165
    2020-01-01 $432,113 (3.0%) $524,260 (5.8%) 1.44 951
    2020-02-01 $449,900 (8.3%) $539,041 (8.8%) 1.45 823
    2020-03-01 $461,995 (8.5%) $542,728 (6.9%) 1.44 864
    2020-04-01 $437,500 (1.5%) $518,680 (0.5%) 1.36 1,052
    2020-05-01 $437,770 (1.2%) $520,042 (1.4%) 1.33 1,183
    2020-06-01 $437,300 (2.9%) $523,072 (3.4%) 1.28 1,124
    2020-07-01 $443,573 (7.2%) $534,777 (8.7%) 1.27 1,041
    2020-08-01 $439,900 (8.4%) $543,041 (11.6%) 1.26 987
    2020-09-01 $440,000 (10.0%) $554,495 (16.0%) 1.26 893
    2020-10-01 $450,000 (10.3%) $563,009 (16.3%) 1.29 788
    2020-11-01 $437,433 (5.4%) $565,152 (14.3%) 1.25 723
    2020-12-01 $434,900 (3.8%) $562,577 (11.3%) 1.28 623
    2021-01-01 $449,000 (3.9%) $586,132 (11.8%) 1.32 502
    2021-02-01 $457,950 (1.8%) $608,749 (12.9%) 1.32 422
    2021-03-01 $461,500 (-0.1%) $603,496 (11.2%) 1.29 410
    2021-04-01 $470,900 (7.6%) $599,269 (15.5%) 1.27 411
    2021-05-01 $470,115 (7.4%) $585,348 (12.6%) 1.24 382
    2021-06-01 $485,000 (10.9%) $595,019 (13.8%) 1.26 402
    2021-07-01 $486,900 (9.8%) $590,775 (10.5%) 1.26 470
    2021-08-01 $500,000 (13.7%) $592,965 (9.2%) 1.31 486
    2021-09-01 $495,125 (12.5%) $628,826 (13.4%) 1.30 487
    2021-10-01 $489,990 (8.9%) $634,910 (12.8%) 1.29 500
    2021-11-01 $484,777 (10.8%) $624,051 (10.4%) 1.28 460
    2021-12-01 $459,625 (5.7%) $557,759 (-0.9%) 1.23 810
    2022-01-01 $489,900 (9.1%) $669,045 (14.2%) 1.31 305
    2022-02-01 $499,950 (9.2%) $723,644 (18.9%) 1.27 293
    2022-03-01 $517,500 (12.1%) $698,924 (15.8%) 1.28 335
    2022-04-01 $540,000 (14.7%) $705,952 (17.8%) 1.27 359
    2022-05-01 $551,739 (17.4%) $723,189 (23.6%) 1.23 507
    2022-06-01 $562,500 (16.0%) $706,743 (18.8%) 1.25 708
    2022-07-01 $550,000 (13.0%) $693,180 (17.3%) 1.22 947
    2022-08-01 $544,500 (8.9%) $696,274 (17.4%) 1.25 1,009
    Greeley's median listing price for 2022-08-01 was $544,500, a difference of $44,500 (8.9%) versus the prior year and $-5,500 versus the prior month.

    Greeley's median listing price comes in at 125% of the national average.

    Greeley's average listing price for 2022-08-01 was $696,274, a difference of $103,309 (17.4%) versus the prior year and $3,094 versus the prior month.

    For the 2022-08-01 period, Greeley had 1,009 MLS listings, a difference of 62 listings (7%) versus the prior month and 523 listings (108%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Greeley (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 66 days 3,289 sqft
    2018-02-01 53 days 3,260 sqft
    2018-03-01 37 days 3,233 sqft
    2018-04-01 33 days 3,214 sqft
    2018-05-01 32 days 3,272 sqft
    2018-06-01 35 days 3,204 sqft
    2018-07-01 36 days 3,165 sqft
    2018-08-01 36 days 3,065 sqft
    2018-09-01 38 days 3,064 sqft
    2018-10-01 39 days 3,035 sqft
    2018-11-01 46 days 3,065 sqft
    2018-12-01 58 days 3,016 sqft
    2019-01-01 60 days 2,969 sqft
    2019-02-01 41 days 2,926 sqft
    2019-03-01 43 days 3,025 sqft
    2019-04-01 38 days 3,080 sqft
    2019-05-01 41 days 3,094 sqft
    2019-06-01 41 days 3,034 sqft
    2019-07-01 44 days 2,943 sqft
    2019-08-01 44 days 2,896 sqft
    2019-09-01 46 days 2,839 sqft
    2019-10-01 44 days 2,879 sqft
    2019-11-01 47 days 2,913 sqft
    2019-12-01 59 days 2,899 sqft
    2020-01-01 67 days 3,052 sqft
    2020-02-01 45 days 3,120 sqft
    2020-03-01 33 days 3,169 sqft
    2020-04-01 37 days 2,979 sqft
    2020-05-01 43 days 2,935 sqft
    2020-06-01 43 days 2,907 sqft
    2020-07-01 42 days 2,934 sqft
    2020-08-01 42 days 2,910 sqft
    2020-09-01 41 days 2,809 sqft
    2020-10-01 40 days 2,851 sqft
    2020-11-01 47 days 2,735 sqft
    2020-12-01 55 days 2,669 sqft
    2021-01-01 70 days 2,687 sqft
    2021-02-01 41 days 2,750 sqft
    2021-03-01 28 days 2,682 sqft
    2021-04-01 30 days 2,624 sqft
    2021-05-01 30 days 2,664 sqft
    2021-06-01 31 days 2,575 sqft
    2021-07-01 28 days 2,584 sqft
    2021-08-01 31 days 2,578 sqft
    2021-09-01 36 days 2,531 sqft
    2021-10-01 36 days 2,516 sqft
    2021-11-01 37 days 2,513 sqft
    2021-12-01 41 days 2,500 sqft
    2022-01-01 44 days 2,494 sqft
    2022-02-01 36 days 2,512 sqft
    2022-03-01 27 days 2,572 sqft
    2022-04-01 28 days 2,730 sqft
    2022-05-01 22 days 2,829 sqft
    2022-06-01 22 days 2,859 sqft
    2022-07-01 29 days 2,806 sqft
    2022-08-01 36 days 2,728 sqft
    Greeley's median listing age (time on market) for 2022-08-01 was 36 days. This is 15% longer than the same period one year ago.

    Greeley's median square footage for active listings during the 2022-08-01 period was 2,728 sqft. One year prior, the average listing was 2,578 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.