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 114 lenders originated 989 VA loans during 2022. The total origination value was $322,485,000, with an average VA loan value of $326,072.

    Pueblo VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pueblo averaged -0.24% for the week of 2023-06-02, compared to the national average (all VA variants) of 0% for the same period.

    Pueblo's average VA mortgage closing costs are $6,094.

    The average rate for the prior week (2023-05-26) was 6.19% and one month ago for the week of 2023-04-28, the average rate was 6.05%.

    The average rate one year ago was 4.6%.

    For refis of the same type during the week of 2023-06-02, the average rate was -1.09%.

    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Mortgage Research Center, LLC 102 4.94% $7,518
    UNITED WHOLESALE MORTGAGE, LLC 102 4.30% $9,421
    MORTGAGE SOLUTIONS OF COLORADO, LLC 98 5.12% $11,289
    QUICKEN LOANS, LLC 48 4.04% $9,112
    GUARANTEED RATE, INC. 47 4.67% $8,259
    FREEDOM MORTGAGE CORPORATION 34 4.26% $9,941
    Ent Credit Union 26 3.80% $5,057
    PENNYMAC LOAN SERVICES, LLC 26 3.46% $11,182
    CROSSCOUNTRY MORTGAGE, LLC 24 4.75% $8,599
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 24 4.31% $7,896
    LOANDEPOT.COM, LLC 18 4.44% $10,718
    HOMEAMERICAN MORTGAGE CORPORATION 17 3.99% $8,309
    UNIVERSAL LENDING CORPORATION 17 4.48% $7,328
    NAVY FEDERAL CREDIT UNION 17 4.51% $6,001
    MOVEMENT MORTGAGE, LLC 17 5.33% $8,526
    HOME POINT FINANCIAL CORPORATION 17 4.23% $8,159
    NEW DAY FINANCIAL, LLC 12 5.28% $9,523
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 11 5.00% $9,941
    LOANPAL, LLC 10 4.06% $15,678
    USAA Federal Savings Bank 10 4.44% $6,392
    PREMIER MORTGAGE RESOURCES, L.L.C. 10 4.49% $10,485
    AMERICAN PACIFIC MORTGAGE CORPORATION 10 5.26% $9,581
    NFM, INC. 9 4.50% $9,179
    Equity Prime Mortgage LLC 9 5.49% $6,342
    CHERRY CREEK MORTGAGE, LLC 8 4.27% $4,027
    Mr. Cooper ( Nationstar Mortgage ) 8 4.67% $12,726
    CALIBER HOME LOANS, INC. 8 5.69% $10,952
    FINANCE OF AMERICA MORTGAGE LLC 8 3.83% $10,230
    The Federal Savings Bank 7 4.23% $13,562
    CLEARPATH LENDING 7 5.37% $8,037
    BROKER SOLUTIONS, INC. 7 4.86% $9,313
    CORNERSTONE HOME LENDING, INC. 7 5.23% $6,300
    Northpointe Bank 7 4.80% $10,395
    S1L, Inc. 6 4.67% $10,009
    NEWREZ LLC 6 3.65% $6,922
    ACADEMY MORTGAGE CORPORATION 5 3.28% $14,972
    DRAPER AND KRAMER MORTGAGE CORP. 5 4.60% $10,254
    GUARANTEED RATE AFFINITY, LLC 5 4.05% $7,085
    NBH Bank 5 4.75% $6,838
    SECURITYNATIONAL MORTGAGE COMPANY 5 4.48% $7,842
    THRIVE MORTGAGE, LLC 5 5.28% $10,258
    SUN WEST MORTGAGE COMPANY, INC. 4 3.81% $7,668
    VILLAGE CAPITAL MORTGAGE 4 3.56% $7,672
    PREMIER MORTGAGE SERVICES, INC. 4 3.75% $5,626
    Farmers & Stockmens Bank 4 3.72% $18,005
    AMERICAN FINANCING CORPORATION 4 4.22% $7,995
    North American Savings Bank, F.S.B. 4 4.91% $13,931
    Midwest Mortgage Associates Corporation 4 4.13% $8,098
    AMERISAVE MORTGAGE CORPORATION 4 4.13% $11,921
    Financial Funding Solutions, Inc. 3 4.00% $7,685
    NATIONS DIRECT MORTGAGE, LLC 3 4.46% $11,433
    Magnolia Bank 3 4.79% $14,963
    FLAT BRANCH MORTGAGE, INC. 3 5.17% $10,988
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 3.75% $8,599
    PLANET HOME LENDING, LLC 3 3.38% $8,819
    V.I.P. MORTGAGE, INC. 2 5.06% $10,810
    First Western Trust Bank 2 5.38% $7,172
    INTEGRITY MORTGAGE & FINANCIAL INCORPORATED 2 4.00% $15,167
    Lakeview Community Capital, LLC 2 3.19% $15,342
    First Federal Bank 2 6.50% $9,837
    Loan Simple, Inc. 2 4.88% $9,299
    Low VA Rates, LLC 2 3.81% $4,441
    MID AMERICA MORTGAGE, INC. 2 5.75% $6,392
    Nations Lending Corporation 2 4.25% $15,245
    Wells Fargo Bank 2 4.00% $12,840
    Century Mortgage Company DBA Century Lending Company 2 5.00% $4,668
    Paramount Residential Mortgage Group, Inc. 2 5.50% $5,072
    BAYSHORE MORTGAGE FUNDING, LLC 2 3.25% $4,704
    PENTAGON FEDERAL CREDIT UNION 2 4.75% $11,358
    BAY EQUITY LLC 2 4.50% $10,962
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 4.13% $3,483
    Barrington Bank & Trust Company, N.A. 2 5.19% $11,668
    Armed Forces Bank 2 5.19% $11,731
    SOUTHWEST STAGE FUNDING, LLC 2 5.56% $1,159
    Strong Home Mortgage, LLC 2 2.75% $1,687
    Texana Bank 2 3.88% $16,197
    The Central Trust Bank 2 3.81% $10,751
    U.S. Bank 2 5.19% $3,819
    Gateway First Bank 2 3.81% $6,132
    GENEVA FINANCIAL, LLC 2 5.06% $8,310
    Flagstar Bank, FSB 2 4.25% $12,081
    Plains Commerce Bank 1 6.25% $18,787
    LENOX FINANCIAL MORTGAGE CORPORATION 1 3.13% $4,240
    PLAZA HOME MORTGAGE, INC. 1 3.13% $13,318
    ZILLOW HOME LOANS, LLC 1 3.13% $2,577
    LAKEVIEW LOAN SERVICING, LLC 1 2.75% $1,423
    UNION HOME MORTGAGE CORP. 1 3.25% $2,656
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.25% $172
    HUNT MORTGAGE CORPORATION 1 4.38% $14,892
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 5.50% $15,506
    First Mortgage Solutions, LLC 1 3.88% $9,407
    WESTERRA CREDIT UNION 1 6.75% $12,669
    Sierra Pacific Mortgage Company, Inc. 1 5.00% $23,966
    SOUTHWEST FUNDING, LP 1 3.00% $6,681
    HOME MORTGAGE ALLIANCE, LLC 1 2.88% $10,146
    SOVEREIGN LENDING GROUP INCORPORATED 1 2.50% $6,485
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 3.25% $10,190
    Mid-Continent Funding, Inc. 1 5.38% $9,681
    CONTOUR MORTGAGE CORPORATION 1 5.75% $14,338
    Mutual Federal Bank 1 3.50% $13,399
    M2 Lending Solutions, LLC 1 4.75% $17,050
    GUILD MORTGAGE COMPANY 1 5.50% $7,885
    CMG MORTGAGE, INC. 1 2.99% $9,987
    Sunflower Bank 1 2.75% $2,290
    CITYWIDE HOME LOANS, LLC 1 5.75% $9,655
    CHURCHILL MORTGAGE CORPORATION 1 3.75% $2,930
    KELLER MORTGAGE, LLC 1 5.25% $3,110
    FIRST COMMUNITY MORTGAGE, INC. 1 2.50% $4,155
    CARDINAL FINANCIAL 1 2.63% $7,026
    ON Q FINANCIAL, INC. 1 2.38% $11,116
    PANORAMA MORTGAGE GROUP, LLC 1 6.13% $12,444
    VERITAS FUNDING, LLC 1 4.75% $9,804
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.50% $5,566
    ANGEL OAK HOME LOANS LLC 1 3.88% $7,170

    The top Pueblo VA lender as defined by loan originations is Mortgage Research Center, LLC, with 102 VA loans originated. Their average total fees are $7,518, which is $1,904 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Pueblo VA lenders (with over 10 loans originated) are Ent Credit Union ($5,057), NAVY FEDERAL CREDIT UNION ($6,001), USAA Federal Savings Bank ($6,392), UNIVERSAL LENDING CORPORATION ($7,328) and Mortgage Research Center, LLC ($7,518).

    The lowest rate Pueblo VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (3.46%), Ent Credit Union (3.80%), HOMEAMERICAN MORTGAGE CORPORATION (3.99%), QUICKEN LOANS, LLC (4.04%) and LOANPAL, LLC (4.06%).

    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 (14.9%) $315,392 (15.6%) 0.89 387
    2018-02-01 $239,950 (20.0%) $322,342 (20.4%) 0.87 364
    2018-03-01 $249,450 (21.7%) $330,762 (18.3%) 0.88 371
    2018-04-01 $249,950 (16.3%) $342,182 (20.2%) 0.85 369
    2018-05-01 $249,900 (13.6%) $343,896 (8.8%) 0.83 380
    2018-06-01 $250,000 (6.4%) $346,266 (12.2%) 0.83 434
    2018-07-01 $266,381 (15.9%) $350,480 (17.2%) 0.89 467
    2018-08-01 $255,000 (11.4%) $335,715 (13.9%) 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 $348,275 (2.6%) $418,508 (-5.8%) 0.86 571
    2023-02-01 $347,413 (-4.8%) $416,711 (-5.8%) 0.84 550
    2023-03-01 $350,875 (-3.2%) $427,782 (3.7%) 0.83 518
    2023-04-01 $365,000 (-2.6%) $445,880 (3.3%) 0.85 508
    2023-05-01 $377,000 (-4.5%) $462,541 (0.2%) 0.85 503
    Pueblo's median listing price for 2023-05-01 was $377,000, a difference of $-17,900 (-4.5%) versus the prior year and $12,000 versus the prior month.

    Pueblo's median listing price comes in at 85% of the national average.

    Pueblo's average listing price for 2023-05-01 was $462,541, a difference of $782 (0.2%) versus the prior year and $16,661 versus the prior month.

    For the 2023-05-01 period, Pueblo had 503 MLS listings, a difference of -5 listings (-1%) versus the prior month and 186 listings (59%) 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 2,093 sqft
    2018-05-01 40 days 2,105 sqft
    2018-06-01 38 days 2,064 sqft
    2018-07-01 37 days 2,108 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 60 days 1,855 sqft
    2023-03-01 47 days 1,868 sqft
    2023-04-01 43 days 1,884 sqft
    2023-05-01 41 days 1,975 sqft
    Pueblo's median listing age (time on market) for 2023-05-01 was 41 days. This is 49% longer than the same period one year ago.

    Pueblo's median square footage for active listings during the 2023-05-01 period was 1,975 sqft. One year prior, the average listing was 1,780 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.