Pueblo VA Loan Rates, Closing Costs & Stats
PUEBLO, 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.
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.