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.