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 86 lenders originated 726 VA loans during 2024. The total origination value was $249,310,000, with an average VA loan value of $343,402.

    Pueblo VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pueblo averaged 0.21% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Pueblo's average VA mortgage closing costs are $6,462.

    The average rate for the prior week (2025-06-27) was 6.54% and one month ago for the week of 2025-05-30, the average rate was 6.47%.

    The average rate one year ago was 6.58%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.37%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 148 5.88% $6,371
    Mortgage Research Center, LLC 81 6.37% $5,217
    QUICKEN LOANS, LLC 46 5.79% $8,705
    MORTGAGE SOLUTIONS OF COLORADO, LLC 45 6.62% $6,308
    FREEDOM MORTGAGE CORPORATION 34 5.98% $8,855
    PENNYMAC LOAN SERVICES, LLC 20 5.94% $8,312
    GUARANTEED RATE, INC. 20 6.01% $8,391
    NFM, INC. 15 6.25% $10,792
    VILLAGE CAPITAL MORTGAGE 15 5.78% $7,510
    NEWREZ LLC 15 5.87% $8,522
    CORNERSTONE HOME LENDING, INC. 15 3.90% $6,948
    Ent Credit Union 13 5.95% $7,013
    CROSSCOUNTRY MORTGAGE, LLC 13 6.72% $3,912
    NAVY FEDERAL CREDIT UNION 11 5.85% $6,853
    LOANDEPOT.COM, LLC 10 6.43% $11,083
    HOMEAMERICAN MORTGAGE CORPORATION 9 5.06% $7,972
    MOVEMENT MORTGAGE, LLC 8 6.25% $9,095
    SUN WEST MORTGAGE COMPANY, INC. 8 6.25% $11,882
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 7 6.21% $7,438
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.71% $9,104
    USAA Federal Savings Bank 6 6.27% $8,350
    NEW DAY FINANCIAL, LLC 6 7.79% $9,915
    BROKER SOLUTIONS, INC. 5 6.43% $11,603
    FLAT BRANCH MORTGAGE, INC. 5 5.98% $6,502
    LOANPAL, LLC 5 5.90% $15,417
    CLEARPATH LENDING 5 5.70% $4,672
    Equity Prime Mortgage LLC 4 6.41% $15,937
    PLANET HOME LENDING, LLC 4 5.90% $2,314
    Barrington Bank & Trust Company, N.A. 4 6.63% $8,179
    The Central Trust Bank 4 6.15% $7,775
    GUILD MORTGAGE COMPANY 4 5.94% $14,272
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 5.72% $10,854
    Century Mortgage Company DBA Century Lending Company 4 5.66% $3,484
    Mr. Cooper ( Nationstar Mortgage ) 4 6.47% $10,947
    LAKEVIEW LOAN SERVICING, LLC 3 5.42% $4,985
    PREMIER MORTGAGE SERVICES, INC. 3 6.08% $8,568
    Carrington Mortgage Services, LLC 3 5.83% $15,229
    Plains Commerce Bank 3 5.71% $15,358
    Paramount Residential Mortgage Group, Inc. 3 7.00% $5,243
    AMERICAN FINANCING CORPORATION 3 6.54% $6,115
    The Federal Savings Bank 3 6.21% $12,213
    THE MORTGAGE COMPANY 3 6.04% $9,561
    Midwest Mortgage Associates Corporation 2 5.69% $1,718
    V.I.P. MORTGAGE, INC. 2 6.19% $12,701
    AMERISAVE MORTGAGE CORPORATION 2 6.00% $10,807
    TOWNE MORTGAGE COMPANY 2 6.68% $3,152
    CARDINAL FINANCIAL 2 5.88% $15,793
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.19% $19,238
    CMG MORTGAGE, INC. 2 6.13% $20,392
    Cornerstone First Mortgage, Inc 2 6.25% $6,807
    BAY EQUITY LLC 2 6.50% $8,751
    GoPrime Mortgage, Inc. 2 6.63% $7,568
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 5.88% $8,232
    The Loan Store, Inc. 1 4.75% $8,434
    American Mortgage & Equity Consultants, Inc. 1 5.99% $14,475
    Bell Bank 1 6.00% $10,908
    CANOPY MORTGAGE, LLC 1 5.99% $29,817
    Flagstar Bank, FSB 1 6.75% $12,451
    GENEVA FINANCIAL, LLC 1 5.75% $14,838
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.63% $10,337
    GUARANTEED RATE AFFINITY, LLC 1 5.75% $6,554
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.13% $21,053
    HOMESIDE FINANCIAL, LLC 1 5.63% $10,859
    HOMEXPRESS MORTGAGE CORP. 1 6.50% $1,553
    HUNT MORTGAGE CORPORATION 1 6.75% $0
    INTEGRITY MORTGAGE & FINANCIAL INCORPORATED 1 6.75% $5,374
    INTELLILOAN, INC. 1 6.75% $5,571
    J. VIRGIL, INC. 1 7.13% $7,695
    LADERA LENDING, INC. 1 6.13% $23,173
    Lakeview Community Capital, LLC 1 6.13% $8,281
    Magnolia Bank 1 6.63% $6,813
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.75% $11,468
    MICHIGAN MUTUAL, INC. 1 6.25% $689
    Nations Lending Corporation 1 7.25% $16,574
    NBH Bank 1 6.25% $3,858
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.75% $4,623
    Old National Bank 1 5.50% $6,038
    PLUS RELOCATION MORTGAGE, LLC 1 6.75% $9,574
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.25% $16,272
    Strong Home Mortgage, LLC 1 5.99% $2,592
    T2 FINANCIAL LLC 1 5.25% $22,580
    ALLIED MORTGAGE GROUP, INC. 1 6.25% $7,366
    TOP FLITE FINANCIAL, INC. 1 7.13% $13,809
    UNION HOME MORTGAGE CORP. 1 6.50% $3,601
    U.S. Bank 1 5.75% $11,286
    VERITAS FUNDING, LLC 1 6.50% $15,892

    The top Pueblo VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 148 VA loans originated. Their average total fees are $6,371, which is $1,154 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Pueblo VA lenders (with over 10 loans originated) are CROSSCOUNTRY MORTGAGE, LLC ($3,912), Mortgage Research Center, LLC ($5,217), MORTGAGE SOLUTIONS OF COLORADO, LLC ($6,308), UNITED WHOLESALE MORTGAGE, LLC ($6,371) and NAVY FEDERAL CREDIT UNION ($6,853).

    The lowest rate Pueblo VA lenders (with over 10 loans originated) are CORNERSTONE HOME LENDING, INC. (3.90%), VILLAGE CAPITAL MORTGAGE (5.78%), QUICKEN LOANS, LLC (5.79%), NAVY FEDERAL CREDIT UNION (5.85%) and NEWREZ LLC (5.87%).

    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.