Greeley VA Loan Rates, Closing Costs & Stats

GREELEY, CO

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 0.14% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

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

The average rate for the prior week (2025-06-13) was 6.79% and one month ago for the week of 2025-05-16, the average rate was 6.75%.

The average rate one year ago was 6.54%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.03%.

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%).

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.