Greeley VA Loan Rates, Closing Costs & Stats

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 101 lenders originated 813 VA loans during 2024. The total origination value was $395,395,000, with an average VA loan value of $486,341.

    Greeley VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Greeley averaged 6% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Greeley's average VA mortgage closing costs are $7,544.

    The average rate for the prior week (2025-03-28) was 6.32% and one month ago for the week of 2025-02-28, the average rate was 6.3%.

    The average rate one year ago was 6.5%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.13%.

    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/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Greeley level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 141 5.92% $8,176
    Mortgage Research Center, LLC 75 6.29% $7,121
    QUICKEN LOANS, LLC 43 5.98% $10,362
    FREEDOM MORTGAGE CORPORATION 38 5.98% $10,767
    LOANDEPOT.COM, LLC 37 5.95% $11,331
    DHI MORTGAGE COMPANY, LTD. 26 4.80% $8,867
    NAVY FEDERAL CREDIT UNION 20 5.71% $8,595
    GUILD MORTGAGE COMPANY 19 6.53% $10,883
    PENNYMAC LOAN SERVICES, LLC 16 5.62% $9,623
    NEWREZ LLC 16 5.98% $9,658
    CROSSCOUNTRY MORTGAGE, LLC 15 6.32% $8,870
    AMERICAN FINANCING CORPORATION 15 6.07% $15,301
    HOMEAMERICAN MORTGAGE CORPORATION 15 4.77% $3,976
    GROUP MORTGAGE, LLC 12 6.17% $7,024
    GUARANTEED RATE, INC. 12 6.28% $6,494
    CMG MORTGAGE, INC. 11 5.60% $11,880
    PRIMARY RESIDENTIAL MORTGAGE, INC. 10 6.19% $9,138
    EAGLE HOME MORTGAGE, LLC 10 4.41% $8,418
    VILLAGE CAPITAL MORTGAGE 9 5.49% $9,305
    BROKER SOLUTIONS, INC. 9 6.58% $14,875
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.03% $13,558
    INSPIRE HOME LOANS INC. 9 4.90% $7,632
    USAA Federal Savings Bank 8 6.41% $7,182
    The Loan Store, Inc. 8 5.89% $11,568
    KBHS HOME LOANS, LLC 8 4.91% $8,054
    Gateway First Bank 8 6.02% $9,840
    NFM, INC. 8 5.82% $5,872
    CORNERSTONE HOME LENDING, INC. 6 5.54% $16,610
    V.I.P. MORTGAGE, INC. 6 5.71% $8,496
    LAKEVIEW LOAN SERVICING, LLC 6 5.67% $7,619
    PLANET HOME LENDING, LLC 6 5.92% $9,978
    Elevations Credit Union 6 6.23% $11,247
    American Mortgage & Equity Consultants, Inc. 5 6.55% $7,391
    U.S. Bank 5 5.70% $10,139
    MORTGAGE SOLUTIONS OF COLORADO, LLC 5 7.20% $4,096
    TOWNE MORTGAGE COMPANY 5 6.03% $13,180
    First Western Trust Bank 4 6.13% $8,871
    Magnolia Bank 4 5.88% $23,770
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 5.93% $19,607
    CLEARPATH LENDING 4 5.47% $18,892
    GUARANTEED RATE AFFINITY, LLC 3 5.48% $5,853
    Equity Prime Mortgage LLC 3 7.63% $4,766
    First Federal Bank 3 6.17% $2,408
    The Federal Savings Bank 3 6.50% $38,427
    SUMMIT FUNDING, INC. 3 6.75% $9,968
    Ent Credit Union 3 6.08% $7,598
    NEW DAY FINANCIAL, LLC 3 7.58% $17,327
    BAY EQUITY LLC 3 6.83% $16,229
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.46% $16,165
    MOVEMENT MORTGAGE, LLC 3 7.08% $17,577
    Ixonia Bank 3 6.75% $4,063
    Carrington Mortgage Services, LLC 2 7.38% $14,069
    AMERICAN FINANCIAL NETWORK, INC. 2 7.06% $10,348
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.13% $12,565
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.31% $7,683
    ALLIED MORTGAGE GROUP, INC. 2 6.63% $4,633
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.74% $7,653
    Independent Bank 2 5.44% $13,765
    JPMorgan Chase Bank 2 6.31% $3,411
    Mr. Cooper ( Nationstar Mortgage ) 2 5.94% $4,720
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.00% $14,691
    NOVA FINANCIAL & INVESTMENT CORPORATION 2 5.50% $12,296
    Prosperity Home Mortgage, LLC 2 5.63% $12,348
    Network Funding, L.P. 1 6.50% $25,350
    Nations Lending Corporation 1 6.75% $11,452
    MEGASTAR FINANCIAL CORP. 1 7.13% $4,785
    LADERA LENDING, INC. 1 6.25% $17,918
    Ameris Bank 1 5.75% $6,291
    Opportunity Bank of Montana 1 5.38% $15,089
    Paramount Residential Mortgage Group, Inc. 1 6.50% $14,269
    Peak Financial 1 5.75% $3,290
    Keystone Funding, Inc. 1 6.25% $3,257
    PENTAGON FEDERAL CREDIT UNION 1 5.75% $1,588
    PHH Mortgage Corporation 1 5.25% $8,122
    INTERCAP LENDING INC. 1 6.63% $10,582
    PLAZA HOME MORTGAGE, INC. 1 6.13% $9,233
    PNC Bank 1 6.63% $3,370
    PREMIA MORTGAGE, LLC 1 6.13% $6,914
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.50% $16,499
    GoPrime Mortgage, Inc. 1 6.13% $11,967
    WESTERRA CREDIT UNION 1 5.75% $19,450
    GARDNER FINANCIAL SERVICES, LTD. 1 6.63% $18,630
    S1L, Inc. 1 5.75% $11,326
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.63% $17,948
    SOUTHWEST FUNDING, LP 1 6.50% $0
    Franklin Loan Corporation 1 5.75% $6,130
    Summit Mortgage Corporation 1 5.25% $2,124
    SUN WEST MORTGAGE COMPANY, INC. 1 5.25% $10,565
    The Central Trust Bank 1 5.99% $13,249
    FLAT BRANCH MORTGAGE, INC. 1 5.63% $18,235
    The Huntington National Bank 1 6.75% $2,748
    Flagstar Bank, FSB 1 7.25% $22,807
    TJC Mortgage, Inc. 1 5.50% $5,417
    First National Bank of Omaha 1 5.50% $2,183
    UNION HOME MORTGAGE CORP. 1 6.63% $11,135
    Century Mortgage Company DBA Century Lending Company 1 5.63% $18,358
    CENTENNIAL LENDING, LLC 1 5.63% $9,846
    BOKF 1 6.38% $17,650
    Armed Forces Bank 1 6.13% $8,217
    NBKC BANK 1 5.49% $1,673
    NEST HOME LENDING, LLC 1 5.99% $3,660

    The top Greeley VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 141 VA loans originated. Their average total fees are $8,176, which is $1,055 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Greeley VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($3,976), GUARANTEED RATE, INC. ($6,494), GROUP MORTGAGE, LLC ($7,024), Mortgage Research Center, LLC ($7,121) and UNITED WHOLESALE MORTGAGE, LLC ($8,176).

    The lowest rate Greeley VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.41%), HOMEAMERICAN MORTGAGE CORPORATION (4.77%), DHI MORTGAGE COMPANY, LTD. (4.80%), CMG MORTGAGE, INC. (5.60%) and PENNYMAC LOAN SERVICES, LLC (5.62%).

    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 $399,950 (9.2%) $462,216 (5.3%) 1.48 698
    2018-02-01 $400,000 (5.3%) $472,890 (4.5%) 1.45 673
    2018-03-01 $406,041 (7.1%) $476,242 (4.8%) 1.42 669
    2018-04-01 $399,950 (3.0%) $472,332 (2.2%) 1.36 684
    2018-05-01 $409,975 (3.2%) $490,916 (4.0%) 1.37 681
    2018-06-01 $409,000 (2.4%) $487,772 (4.7%) 1.36 752
    2018-07-01 $398,855 (2.3%) $488,633 (6.6%) 1.33 803
    2018-08-01 $395,056 (-0.1%) $474,132 (1.3%) 1.32 869
    2018-09-01 $395,000 (-1.2%) $466,386 (-0.5%) 1.33 966
    2018-10-01 $389,975 (-3.3%) $465,074 (-1.6%) 1.32 1,041
    2018-11-01 $396,000 (-1.0%) $466,735 (-0.5%) 1.34 1,024
    2018-12-01 $398,679 (-0.3%) $469,296 (0.7%) 1.38 926
    2019-01-01 $395,104 (-1.2%) $473,477 (2.4%) 1.37 863
    2019-02-01 $393,564 (-1.6%) $469,554 (-0.7%) 1.33 855
    2019-03-01 $406,407 (0.1%) $475,376 (-0.2%) 1.33 895
    2019-04-01 $411,382 (2.9%) $479,530 (1.5%) 1.31 961
    2019-05-01 $412,200 (0.5%) $477,500 (-2.7%) 1.29 990
    2019-06-01 $409,700 (0.2%) $472,627 (-3.1%) 1.28 1,108
    2019-07-01 $400,000 (0.3%) $463,147 (-5.2%) 1.25 1,163
    2019-08-01 $399,900 (1.2%) $463,362 (-2.3%) 1.27 1,185
    2019-09-01 $399,900 (1.2%) $464,148 (-0.5%) 1.28 1,176
    2019-10-01 $399,888 (2.5%) $464,604 (-0.1%) 1.29 1,158
    2019-11-01 $402,250 (1.6%) $471,719 (1.1%) 1.32 1,077
    2019-12-01 $404,995 (1.6%) $478,809 (2.0%) 1.35 950
    2020-01-01 $417,225 (5.6%) $498,128 (5.2%) 1.39 779
    2020-02-01 $425,000 (8.0%) $503,978 (7.3%) 1.39 686
    2020-03-01 $437,025 (7.5%) $509,580 (7.2%) 1.37 713
    2020-04-01 $425,000 (3.3%) $501,646 (4.6%) 1.33 853
    2020-05-01 $425,000 (3.1%) $501,957 (5.1%) 1.29 964
    2020-06-01 $424,926 (3.7%) $505,068 (6.9%) 1.25 929
    2020-07-01 $432,278 (8.1%) $513,631 (10.9%) 1.25 841
    2020-08-01 $424,900 (6.3%) $512,545 (10.6%) 1.22 819
    2020-09-01 $426,451 (6.6%) $517,250 (11.4%) 1.22 780
    2020-10-01 $429,813 (7.5%) $519,508 (11.8%) 1.23 676
    2020-11-01 $428,850 (6.6%) $522,849 (10.8%) 1.25 630
    2020-12-01 $424,975 (4.9%) $520,215 (8.7%) 1.26 540
    2021-01-01 $442,747 (6.1%) $552,175 (10.9%) 1.32 455
    2021-02-01 $455,963 (7.3%) $580,510 (15.2%) 1.33 388
    2021-03-01 $461,973 (5.7%) $582,646 (14.3%) 1.31 382
    2021-04-01 $474,625 (11.7%) $592,535 (18.1%) 1.28 370
    2021-05-01 $475,000 (11.8%) $571,770 (13.9%) 1.26 355
    2021-06-01 $486,250 (14.4%) $576,137 (14.1%) 1.28 375
    2021-07-01 $485,000 (12.2%) $580,371 (13.0%) 1.28 449
    2021-08-01 $499,995 (17.7%) $589,574 (15.0%) 1.33 452
    2021-09-01 $493,945 (15.8%) $609,182 (17.8%) 1.32 459
    2021-10-01 $497,682 (15.8%) $632,210 (21.7%) 1.33 462
    2021-11-01 $490,065 (14.3%) $626,939 (19.9%) 1.31 425
    2021-12-01 $453,594 (6.7%) $563,779 (8.4%) 1.23 762
    2022-01-01 $499,950 (12.9%) $657,478 (19.1%) 1.35 286
    2022-02-01 $505,000 (10.8%) $699,308 (20.5%) 1.31 273
    2022-03-01 $521,700 (12.9%) $679,859 (16.7%) 1.31 300
    2022-04-01 $535,755 (12.9%) $695,674 (17.4%) 1.28 308
    2022-05-01 $539,748 (13.6%) $700,869 (22.6%) 1.23 444
    2022-06-01 $550,000 (13.1%) $685,718 (19.0%) 1.22 644
    2022-07-01 $545,000 (12.4%) $677,409 (16.7%) 1.23 875
    2022-08-01 $531,500 (6.3%) $670,653 (13.8%) 1.23 917
    2022-09-01 $522,798 (5.8%) $658,291 (8.1%) 1.22 926
    2022-10-01 $514,883 (3.5%) $645,087 (2.0%) 1.21 909
    2022-11-01 $515,000 (5.1%) $630,578 (0.6%) 1.24 919
    2022-12-01 $514,900 (13.5%) $632,311 (12.2%) 1.27 758
    2023-01-01 $519,475 (3.9%) $631,152 (-4.0%) 1.29 679
    2023-02-01 $518,908 (2.8%) $638,648 (-8.7%) 1.25 597
    2023-03-01 $527,450 (1.1%) $650,815 (-4.3%) 1.24 595
    2023-04-01 $540,000 (0.8%) $675,661 (-2.9%) 1.26 655
    2023-05-01 $540,045 (0.1%) $679,066 (-3.1%) 1.22 720
    2023-06-01 $541,950 (-1.5%) $676,695 (-1.3%) 1.22 797
    2023-07-01 $540,000 (-0.9%) $654,100 (-3.4%) 1.23 892
    2023-08-01 $533,900 (0.5%) $657,537 (-2.0%) 1.23 925
    2023-09-01 $530,000 (1.4%) $637,597 (-3.1%) 1.23 916
    2023-10-01 $519,950 (1.0%) $634,337 (-1.7%) 1.22 971
    2023-11-01 $513,350 (-0.3%) $634,371 (0.6%) 1.22 972
    2023-12-01 $515,000 (0.0%) $646,848 (2.3%) 1.26 833
    2024-01-01 $519,987 (0.1%) $666,332 (5.6%) 1.27 731
    2024-02-01 $525,000 (1.2%) $690,380 (8.1%) 1.26 777
    2024-03-01 $530,000 (0.5%) $697,534 (7.2%) 1.25 831
    2024-04-01 $539,950 (0.0%) $703,605 (4.1%) 1.26 822
    2024-05-01 $547,950 (1.5%) $721,227 (6.2%) 1.25 891
    2024-06-01 $545,900 (0.7%) $708,686 (4.7%) 1.24 1,014
    2024-07-01 $541,913 (0.4%) $693,955 (6.1%) 1.24 1,064
    2024-08-01 $539,000 (1.0%) $679,791 (3.4%) 1.25 1,125
    2024-09-01 $537,500 (1.4%) $676,573 (6.1%) 1.26 1,153
    2024-10-01 $536,950 (3.3%) $674,849 (6.4%) 1.26 1,201
    2024-11-01 $530,000 (3.2%) $667,151 (5.2%) 1.27 1,136
    2024-12-01 $524,950 (1.9%) $664,011 (2.7%) 1.30 1,004
    2025-01-01 $524,900 (0.9%) $666,855 (0.1%) 1.31 969
    2025-02-01 $519,125 (-1.1%) $652,556 (-5.5%) 1.26 1,015
    2025-03-01 $529,900 (0.0%) $660,786 (-5.3%) 0.00 1,050
    Greeley's median listing price for 2025-03-01 was $529,900, a difference of $-100 (0.0%) versus the prior year and $10,775 versus the prior month.

    Greeley's median listing price comes in at 0% of the national average.

    Greeley's average listing price for 2025-03-01 was $660,786, a difference of $-36,748 (-5.3%) versus the prior year and $8,230 versus the prior month.

    For the 2025-03-01 period, Greeley had 1,050 MLS listings, a difference of 35 listings (3%) versus the prior month and 219 listings (26%) 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 67 days 3,109 sqft
    2018-02-01 52 days 3,099 sqft
    2018-03-01 36 days 3,082 sqft
    2018-04-01 32 days 2,998 sqft
    2018-05-01 33 days 3,087 sqft
    2018-06-01 34 days 3,012 sqft
    2018-07-01 36 days 2,961 sqft
    2018-08-01 33 days 2,922 sqft
    2018-09-01 37 days 2,928 sqft
    2018-10-01 40 days 2,890 sqft
    2018-11-01 49 days 2,911 sqft
    2018-12-01 58 days 2,893 sqft
    2019-01-01 57 days 2,842 sqft
    2019-02-01 39 days 2,832 sqft
    2019-03-01 38 days 2,872 sqft
    2019-04-01 38 days 2,923 sqft
    2019-05-01 38 days 2,908 sqft
    2019-06-01 37 days 2,876 sqft
    2019-07-01 41 days 2,833 sqft
    2019-08-01 42 days 2,814 sqft
    2019-09-01 43 days 2,810 sqft
    2019-10-01 44 days 2,810 sqft
    2019-11-01 49 days 2,851 sqft
    2019-12-01 56 days 2,835 sqft
    2020-01-01 65 days 2,910 sqft
    2020-02-01 44 days 2,998 sqft
    2020-03-01 31 days 3,033 sqft
    2020-04-01 35 days 2,912 sqft
    2020-05-01 40 days 2,874 sqft
    2020-06-01 37 days 2,843 sqft
    2020-07-01 37 days 2,920 sqft
    2020-08-01 35 days 2,839 sqft
    2020-09-01 37 days 2,743 sqft
    2020-10-01 37 days 2,761 sqft
    2020-11-01 42 days 2,685 sqft
    2020-12-01 52 days 2,638 sqft
    2021-01-01 64 days 2,687 sqft
    2021-02-01 37 days 2,741 sqft
    2021-03-01 25 days 2,673 sqft
    2021-04-01 27 days 2,671 sqft
    2021-05-01 25 days 2,681 sqft
    2021-06-01 26 days 2,583 sqft
    2021-07-01 26 days 2,570 sqft
    2021-08-01 31 days 2,597 sqft
    2021-09-01 35 days 2,518 sqft
    2021-10-01 35 days 2,558 sqft
    2021-11-01 37 days 2,542 sqft
    2021-12-01 40 days 2,490 sqft
    2022-01-01 38 days 2,496 sqft
    2022-02-01 31 days 2,576 sqft
    2022-03-01 22 days 2,605 sqft
    2022-04-01 21 days 2,702 sqft
    2022-05-01 17 days 2,762 sqft
    2022-06-01 21 days 2,811 sqft
    2022-07-01 27 days 2,763 sqft
    2022-08-01 35 days 2,629 sqft
    2022-09-01 40 days 2,590 sqft
    2022-10-01 44 days 2,560 sqft
    2022-11-01 46 days 2,559 sqft
    2022-12-01 61 days 2,564 sqft
    2023-01-01 70 days 2,572 sqft
    2023-02-01 51 days 2,574 sqft
    2023-03-01 39 days 2,641 sqft
    2023-04-01 31 days 2,650 sqft
    2023-05-01 33 days 2,762 sqft
    2023-06-01 38 days 2,739 sqft
    2023-07-01 38 days 2,745 sqft
    2023-08-01 41 days 2,716 sqft
    2023-09-01 44 days 2,653 sqft
    2023-10-01 43 days 2,560 sqft
    2023-11-01 47 days 2,558 sqft
    2023-12-01 62 days 2,543 sqft
    2024-01-01 69 days 2,554 sqft
    2024-02-01 42 days 2,592 sqft
    2024-03-01 38 days 2,583 sqft
    2024-04-01 43 days 2,613 sqft
    2024-05-01 34 days 2,627 sqft
    2024-06-01 38 days 2,600 sqft
    2024-07-01 43 days 2,572 sqft
    2024-08-01 44 days 2,581 sqft
    2024-09-01 46 days 2,604 sqft
    2024-10-01 50 days 2,632 sqft
    2024-11-01 58 days 2,576 sqft
    2024-12-01 63 days 2,554 sqft
    2025-01-01 65 days 2,536 sqft
    2025-02-01 53 days 2,429 sqft
    2025-03-01 0 days 2,453 sqft
    Greeley's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Greeley's median square footage for active listings during the 2025-03-01 period was 2,453 sqft. One year prior, the average listing was 2,583 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.