Pueblo VA Loan Rates, Closing Costs & Stats

PUEBLO, 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.

    Pueblo's 100 lenders originated 630 VA loans during 2023. The total origination value was $208,010,000, with an average VA loan value of $330,175.

    Pueblo VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pueblo averaged 5.9% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

    Pueblo's average VA mortgage closing costs are $6,327.

    The average rate for the prior week (2024-12-06) was 5.94% and one month ago for the week of 2024-11-08, the average rate was 6.43%.

    The average rate one year ago was 6.78%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.43%.

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

    Pueblo 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 Pueblo level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 97 6.59% $5,850
    UNITED WHOLESALE MORTGAGE, LLC 94 6.05% $7,855
    MORTGAGE SOLUTIONS OF COLORADO, LLC 38 6.64% $7,724
    QUICKEN LOANS, LLC 34 6.19% $12,787
    GUARANTEED RATE, INC. 33 6.07% $7,576
    CORNERSTONE HOME LENDING, INC. 12 4.24% $4,975
    LOANDEPOT.COM, LLC 12 6.09% $12,450
    Ent Credit Union 12 5.82% $5,944
    PENNYMAC LOAN SERVICES, LLC 11 5.75% $9,655
    HOMEAMERICAN MORTGAGE CORPORATION 9 5.51% $4,196
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.08% $8,681
    NAVY FEDERAL CREDIT UNION 9 5.93% $4,363
    MOVEMENT MORTGAGE, LLC 9 6.64% $11,970
    AMERICAN FINANCIAL NETWORK, INC. 8 6.30% $7,372
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 6.61% $6,939
    FREEDOM MORTGAGE CORPORATION 8 6.42% $11,730
    AMERICAN PACIFIC MORTGAGE CORPORATION 7 6.18% $13,713
    NFM, INC. 7 5.98% $12,766
    VILLAGE CAPITAL MORTGAGE 6 5.86% $8,098
    PREMIER MORTGAGE SERVICES, INC. 6 6.21% $10,638
    CARDINAL FINANCIAL 6 6.40% $16,543
    MASON MCDUFFIE MORTGAGE CORPORATION 5 6.75% $9,234
    INTERCAP LENDING INC. 5 6.60% $2,793
    UNIVERSAL LENDING CORPORATION 5 6.85% $3,823
    THRIVE MORTGAGE, LLC 5 6.65% $10,089
    USAA Federal Savings Bank 5 6.23% $15,864
    CROSSCOUNTRY MORTGAGE, LLC 5 6.45% $8,329
    NEWREZ LLC 5 6.75% $10,340
    Equity Prime Mortgage LLC 5 6.90% $6,465
    Mr. Cooper ( Nationstar Mortgage ) 4 5.69% $15,106
    NBH Bank 4 6.00% $9,192
    Plains Commerce Bank 4 6.19% $9,532
    BROKER SOLUTIONS, INC. 4 6.38% $12,741
    Mid-Continent Funding, Inc. 4 6.25% $10,066
    The Central Trust Bank 4 6.59% $9,081
    MID AMERICA MORTGAGE, INC. 4 6.25% $3,217
    NEW DAY FINANCIAL, LLC 3 7.46% $8,592
    AXIA FINANCIAL, LLC 3 6.63% $4,340
    Barrington Bank & Trust Company, N.A. 3 6.92% $11,725
    CMG MORTGAGE, INC. 3 6.00% $7,929
    Northpointe Bank 3 6.04% $9,630
    PLANET HOME LENDING, LLC 3 6.21% $11,628
    Century Mortgage Company DBA Century Lending Company 2 6.63% $15,992
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.38% $14,143
    The Federal Savings Bank 2 6.50% $10,368
    MUTUAL OF OMAHA MORTGAGE, INC. 2 5.94% $7,946
    BAY EQUITY LLC 2 6.75% $7,785
    DAS Acquisition Company, LLC 2 7.25% $9,332
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 5.94% $10,431
    JPMorgan Chase Bank 2 5.31% $8,616
    Ixonia Bank 2 6.56% $12,939
    LOANPAL, LLC 2 5.44% $19,489
    Lakeview Community Capital, LLC 2 5.75% $16,139
    U.S. Bank 2 6.63% $2,652
    Midwest Mortgage Associates Corporation 2 6.13% $16,401
    Sunflower Bank 2 6.94% $5,932
    INTEGRITY MORTGAGE & FINANCIAL INCORPORATED 2 6.69% $15,444
    HUNT MORTGAGE CORPORATION 2 6.06% $10,821
    ENDEAVOR CAPITAL, LLC. 1 6.13% $18,863
    DRAPER AND KRAMER MORTGAGE CORP. 1 6.75% $2,748
    North American Savings Bank, F.S.B. 1 5.63% $15,857
    Wells Fargo Bank 1 5.25% $12,671
    NP, Inc. 1 7.63% $2,709
    OPEN MORTGAGE, LLC 1 6.13% $9,222
    Citizens Bank 1 6.00% $10,075
    ZILLOW HOME LOANS, LLC 1 6.63% $1,865
    PLAZA HOME MORTGAGE, INC. 1 6.49% $5,578
    PREMIA MORTGAGE, LLC 1 5.50% $2,372
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.13% $12,917
    CALIBER HOME LOANS, INC. 1 7.25% $16,414
    S1L, Inc. 1 7.13% $28,664
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.13% $20,449
    Servion, Inc. 1 6.75% $12,906
    SOVEREIGN LENDING GROUP INCORPORATED 1 5.50% $32,192
    SUN WEST MORTGAGE COMPANY, INC. 1 7.82% $5,368
    BNC National Bank 1 5.75% $10,030
    The Huntington National Bank 1 5.38% $875
    TOWNE MORTGAGE COMPANY 1 5.13% $19,645
    TruHome Solutions, LLC 1 6.63% $6,403
    UNION HOME MORTGAGE CORP. 1 6.13% $3,701
    AMERISAVE MORTGAGE CORPORATION 1 6.75% $22,628
    American Mortgage & Equity Consultants, Inc. 1 5.63% $3,050
    AMERICAN FINANCING CORPORATION 1 7.25% $10,965
    V.I.P. MORTGAGE, INC. 1 6.12% $5,122
    Armed Forces Bank 1 5.75% $16,609
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $9,997
    LEADERONE FINANCIAL CORPORATION 1 7.13% $6,051
    HOMESIDE FINANCIAL, LLC 1 7.25% $8,290
    Loan Simple, Inc. 1 6.63% $10,456
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.75% $15,277
    GUILD MORTGAGE COMPANY 1 7.63% $10,948
    GUARANTEED RATE AFFINITY, LLC 1 5.65% $1,334
    GROUP MORTGAGE, LLC 1 6.25% $0
    GENEVA FINANCIAL, LLC 1 7.75% $22,835
    FLAT BRANCH MORTGAGE, INC. 1 7.63% $3,054
    Flagstar Bank, FSB 1 6.75% $23,856
    First Western Trust Bank 1 6.13% $5,748
    FIRST COMMUNITY MORTGAGE, INC. 1 7.63% $7,429
    NBKC BANK 1 5.63% $2,950
    ACADEMY MORTGAGE CORPORATION 1 5.25% $9,842

    The top Pueblo VA lender as defined by loan originations is Mortgage Research Center, LLC, with 97 VA loans originated. Their average total fees are $5,850, which is $2,005 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Pueblo VA lenders (with over 10 loans originated) are CORNERSTONE HOME LENDING, INC. ($4,975), Mortgage Research Center, LLC ($5,850), Ent Credit Union ($5,944), GUARANTEED RATE, INC. ($7,576) and MORTGAGE SOLUTIONS OF COLORADO, LLC ($7,724).

    The lowest rate Pueblo VA lenders (with over 10 loans originated) are CORNERSTONE HOME LENDING, INC. (4.24%), PENNYMAC LOAN SERVICES, LLC (5.75%), Ent Credit Union (5.82%), UNITED WHOLESALE MORTGAGE, LLC (6.05%) and GUARANTEED RATE, INC. (6.07%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pueblo (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 $239,900 (15.3%) $315,392 (16.1%) 0.89 387
    2018-02-01 $239,950 (20.0%) $322,342 (20.9%) 0.87 364
    2018-03-01 $249,450 (22.0%) $330,762 (18.8%) 0.88 371
    2018-04-01 $249,950 (16.3%) $342,182 (21.1%) 0.85 369
    2018-05-01 $249,900 (13.6%) $343,896 (9.4%) 0.83 380
    2018-06-01 $250,000 (7.0%) $346,266 (12.8%) 0.83 434
    2018-07-01 $266,381 (15.9%) $350,480 (17.5%) 0.89 467
    2018-08-01 $255,000 (11.4%) $335,715 (14.0%) 0.85 511
    2018-09-01 $249,950 (9.5%) $327,047 (11.2%) 0.84 542
    2018-10-01 $249,929 (9.4%) $327,170 (4.7%) 0.85 527
    2018-11-01 $249,900 (6.9%) $327,630 (2.8%) 0.85 515
    2018-12-01 $244,900 (4.2%) $319,330 (-0.8%) 0.84 477
    2019-01-01 $239,950 (0.0%) $316,624 (0.4%) 0.83 446
    2019-02-01 $248,725 (3.7%) $320,990 (-0.4%) 0.84 429
    2019-03-01 $258,471 (3.6%) $332,450 (0.5%) 0.85 414
    2019-04-01 $269,625 (7.9%) $345,360 (0.9%) 0.86 393
    2019-05-01 $272,450 (9.0%) $350,605 (2.0%) 0.85 349
    2019-06-01 $254,450 (1.8%) $341,161 (-1.5%) 0.80 357
    2019-07-01 $247,250 (-7.2%) $337,344 (-3.8%) 0.77 389
    2019-08-01 $252,200 (-1.1%) $333,026 (-0.8%) 0.80 411
    2019-09-01 $248,150 (-0.7%) $323,849 (-1.0%) 0.79 447
    2019-10-01 $244,950 (-2.0%) $315,885 (-3.5%) 0.79 469
    2019-11-01 $239,900 (-4.0%) $313,934 (-4.2%) 0.79 411
    2019-12-01 $252,450 (3.1%) $337,646 (5.7%) 0.84 366
    2020-01-01 $259,900 (8.3%) $356,929 (12.7%) 0.87 343
    2020-02-01 $275,000 (10.6%) $378,752 (18.0%) 0.90 293
    2020-03-01 $282,400 (9.3%) $395,671 (19.0%) 0.89 268
    2020-04-01 $278,675 (3.4%) $393,768 (14.0%) 0.87 279
    2020-05-01 $296,750 (8.9%) $387,630 (10.6%) 0.90 285
    2020-06-01 $286,275 (12.5%) $387,367 (13.5%) 0.84 263
    2020-07-01 $304,750 (23.3%) $430,774 (27.7%) 0.88 229
    2020-08-01 $317,450 (25.9%) $459,565 (38.0%) 0.91 229
    2020-09-01 $302,225 (21.8%) $469,348 (44.9%) 0.87 235
    2020-10-01 $312,000 (27.4%) $496,818 (57.3%) 0.89 215
    2020-11-01 $304,175 (26.8%) $493,841 (57.3%) 0.89 196
    2020-12-01 $303,650 (20.3%) $511,692 (51.6%) 0.90 172
    2021-01-01 $305,900 (17.7%) $531,495 (48.9%) 0.91 141
    2021-02-01 $332,000 (20.7%) $535,886 (41.5%) 0.97 150
    2021-03-01 $323,375 (14.5%) $524,877 (32.7%) 0.92 152
    2021-04-01 $330,825 (18.7%) $528,583 (34.2%) 0.90 174
    2021-05-01 $324,900 (9.5%) $501,093 (29.3%) 0.86 200
    2021-06-01 $332,475 (16.1%) $484,801 (25.2%) 0.88 239
    2021-07-01 $340,000 (11.6%) $450,850 (4.7%) 0.90 314
    2021-08-01 $334,000 (5.2%) $444,139 (-3.4%) 0.89 381
    2021-09-01 $334,950 (10.8%) $449,135 (-4.3%) 0.89 360
    2021-10-01 $329,900 (5.7%) $450,091 (-9.4%) 0.88 341
    2021-11-01 $347,450 (14.2%) $440,782 (-10.7%) 0.93 366
    2021-12-01 $348,975 (14.9%) $450,472 (-12.0%) 0.95 328
    2022-01-01 $339,450 (11.0%) $444,435 (-16.4%) 0.92 271
    2022-02-01 $365,000 (9.9%) $442,473 (-17.4%) 0.95 232
    2022-03-01 $362,554 (12.1%) $412,637 (-21.4%) 0.91 211
    2022-04-01 $374,750 (13.3%) $431,803 (-18.3%) 0.89 275
    2022-05-01 $394,900 (21.6%) $461,759 (-7.9%) 0.90 317
    2022-06-01 $399,900 (20.3%) $459,047 (-5.3%) 0.89 388
    2022-07-01 $399,900 (17.6%) $444,149 (-1.5%) 0.90 513
    2022-08-01 $397,899 (19.1%) $445,911 (0.4%) 0.92 558
    2022-09-01 $389,950 (16.4%) $440,521 (-1.9%) 0.91 583
    2022-10-01 $375,000 (13.7%) $433,696 (-3.6%) 0.88 630
    2022-11-01 $359,238 (3.4%) $416,955 (-5.4%) 0.86 664
    2022-12-01 $349,900 (0.3%) $411,609 (-8.6%) 0.86 621
    2023-01-01 $348,450 (2.7%) $418,626 (-5.8%) 0.86 570
    2023-02-01 $347,425 (-4.8%) $416,949 (-5.8%) 0.84 549
    2023-03-01 $351,750 (-3.0%) $428,062 (3.7%) 0.83 517
    2023-04-01 $365,000 (-2.6%) $445,880 (3.3%) 0.85 508
    2023-05-01 $377,811 (-4.3%) $462,638 (0.2%) 0.86 502
    2023-06-01 $379,900 (-5.0%) $451,792 (-1.6%) 0.85 533
    2023-07-01 $379,900 (-5.0%) $439,824 (-1.0%) 0.86 546
    2023-08-01 $369,900 (-7.0%) $421,459 (-5.5%) 0.85 630
    2023-09-01 $369,000 (-5.4%) $404,096 (-8.3%) 0.86 638
    2023-10-01 $363,450 (-3.1%) $416,622 (-3.9%) 0.86 661
    2023-11-01 $350,000 (-2.6%) $396,153 (-5.0%) 0.83 652
    2023-12-01 $349,900 (0.0%) $382,528 (-7.1%) 0.85 616
    2024-01-01 $349,950 (0.4%) $377,933 (-9.7%) 0.85 600
    2024-02-01 $359,950 (3.6%) $387,679 (-7.0%) 0.87 611
    2024-03-01 $363,900 (3.5%) $387,917 (-9.4%) 0.86 615
    2024-04-01 $374,925 (2.7%) $428,837 (-3.8%) 0.87 668
    2024-05-01 $379,950 (0.6%) $442,496 (-4.4%) 0.86 701
    2024-06-01 $379,950 (0.0%) $444,306 (-1.7%) 0.85 710
    2024-07-01 $375,000 (-1.3%) $431,917 (-1.8%) 0.86 768
    2024-08-01 $369,000 (-0.2%) $421,120 (-0.1%) 0.86 851
    2024-09-01 $364,950 (-1.1%) $407,291 (0.8%) 0.86 879
    2024-10-01 $365,000 (0.4%) $405,247 (-2.7%) 0.86 922
    2024-11-01 $360,000 (2.9%) $401,727 (1.4%) 0.86 900
    Pueblo's median listing price for 2024-11-01 was $360,000, a difference of $10,000 (2.9%) versus the prior year and $-5,000 versus the prior month.

    Pueblo's median listing price comes in at 86% of the national average.

    Pueblo's average listing price for 2024-11-01 was $401,727, a difference of $5,574 (1.4%) versus the prior year and $-3,520 versus the prior month.

    For the 2024-11-01 period, Pueblo had 900 MLS listings, a difference of -22 listings (-2%) versus the prior month and 248 listings (38%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pueblo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 57 days 1,959 sqft
    2018-02-01 45 days 1,991 sqft
    2018-03-01 40 days 2,088 sqft
    2018-04-01 40 days 2,102 sqft
    2018-05-01 40 days 2,113 sqft
    2018-06-01 38 days 2,064 sqft
    2018-07-01 37 days 2,110 sqft
    2018-08-01 43 days 2,022 sqft
    2018-09-01 45 days 2,028 sqft
    2018-10-01 48 days 1,946 sqft
    2018-11-01 51 days 1,897 sqft
    2018-12-01 62 days 1,893 sqft
    2019-01-01 66 days 1,859 sqft
    2019-02-01 50 days 1,901 sqft
    2019-03-01 45 days 2,053 sqft
    2019-04-01 41 days 2,188 sqft
    2019-05-01 38 days 2,202 sqft
    2019-06-01 36 days 2,058 sqft
    2019-07-01 37 days 2,057 sqft
    2019-08-01 39 days 2,076 sqft
    2019-09-01 40 days 2,012 sqft
    2019-10-01 39 days 1,970 sqft
    2019-11-01 45 days 1,953 sqft
    2019-12-01 58 days 2,042 sqft
    2020-01-01 56 days 2,014 sqft
    2020-02-01 44 days 1,993 sqft
    2020-03-01 35 days 1,975 sqft
    2020-04-01 36 days 1,872 sqft
    2020-05-01 38 days 2,040 sqft
    2020-06-01 32 days 2,026 sqft
    2020-07-01 34 days 2,171 sqft
    2020-08-01 32 days 2,146 sqft
    2020-09-01 27 days 2,118 sqft
    2020-10-01 30 days 2,121 sqft
    2020-11-01 33 days 1,940 sqft
    2020-12-01 36 days 1,870 sqft
    2021-01-01 32 days 1,976 sqft
    2021-02-01 19 days 1,908 sqft
    2021-03-01 24 days 1,864 sqft
    2021-04-01 27 days 1,875 sqft
    2021-05-01 24 days 1,950 sqft
    2021-06-01 21 days 1,917 sqft
    2021-07-01 23 days 1,930 sqft
    2021-08-01 25 days 2,008 sqft
    2021-09-01 27 days 1,897 sqft
    2021-10-01 27 days 1,910 sqft
    2021-11-01 26 days 1,833 sqft
    2021-12-01 40 days 1,785 sqft
    2022-01-01 44 days 1,754 sqft
    2022-02-01 27 days 1,752 sqft
    2022-03-01 22 days 1,766 sqft
    2022-04-01 16 days 1,732 sqft
    2022-05-01 28 days 1,780 sqft
    2022-06-01 29 days 1,765 sqft
    2022-07-01 29 days 1,872 sqft
    2022-08-01 38 days 1,901 sqft
    2022-09-01 43 days 1,949 sqft
    2022-10-01 43 days 1,987 sqft
    2022-11-01 46 days 1,980 sqft
    2022-12-01 59 days 1,920 sqft
    2023-01-01 70 days 1,904 sqft
    2023-02-01 61 days 1,853 sqft
    2023-03-01 47 days 1,861 sqft
    2023-04-01 43 days 1,884 sqft
    2023-05-01 41 days 1,973 sqft
    2023-06-01 45 days 1,976 sqft
    2023-07-01 48 days 1,981 sqft
    2023-08-01 47 days 1,945 sqft
    2023-09-01 47 days 1,965 sqft
    2023-10-01 53 days 1,945 sqft
    2023-11-01 56 days 1,893 sqft
    2023-12-01 65 days 1,872 sqft
    2024-01-01 73 days 1,851 sqft
    2024-02-01 64 days 1,898 sqft
    2024-03-01 56 days 1,908 sqft
    2024-04-01 49 days 1,974 sqft
    2024-05-01 47 days 2,064 sqft
    2024-06-01 53 days 2,112 sqft
    2024-07-01 51 days 2,087 sqft
    2024-08-01 51 days 2,045 sqft
    2024-09-01 54 days 1,973 sqft
    2024-10-01 60 days 1,954 sqft
    2024-11-01 70 days 1,908 sqft
    Pueblo's median listing age (time on market) for 2024-11-01 was 70 days. This is 26% longer than the same period one year ago.

    Pueblo's median square footage for active listings during the 2024-11-01 period was 1,908 sqft. One year prior, the average listing was 1,893 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.