Pueblo VA Loans

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 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 139 lenders originated 1,642 VA loans during 2021. The total origination value was $451,990,000, with an average VA loan value of $275,268.

    Pueblo VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pueblo averaged 5.27% for the week of 2022-05-20, compared to the national average (all VA variants) of 5.143% for the same period.

    The average rate for the prior week (2022-05-13) was 5.58% and one month ago for the week of 2022-04-15, the average rate was 5.04%.

    The average rate one year ago was 2.93%.

    For refis of the same type during the week of 2022-05-20, the average rate was 5.2%.

    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 and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Pueblo level.

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    UNITED WHOLESALE MORTGAGE, LLC 116 2.51% $6,001
    QUICKEN LOANS, LLC 110 2.49% $5,039
    Mortgage Research Center, LLC 108 2.93% $6,458
    FREEDOM MORTGAGE CORPORATION 105 2.50% $3,221
    Ent Credit Union 73 2.57% $4,726
    PENNYMAC LOAN SERVICES, LLC 56 2.48% $5,479
    MORTGAGE SOLUTIONS OF COLORADO, LLC 53 2.88% $7,195
    LOANDEPOT.COM, LLC 45 2.73% $5,623
    GUARANTEED RATE, INC. 42 2.88% $7,951
    VILLAGE CAPITAL & INVESTMENT LLC 32 2.45% $2,646
    CALIBER HOME LOANS, INC. 31 2.69% $5,133
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 27 2.89% $9,464
    MOVEMENT MORTGAGE, LLC 26 3.14% $7,814
    NEW DAY FINANCIAL, LLC 26 2.82% $7,427
    CLEARPATH LENDING 24 2.32% $3,611
    USAA Federal Savings Bank 24 2.84% $5,158
    NEWREZ LLC 21 2.60% $7,513
    LAKEVIEW LOAN SERVICING, LLC 21 2.44% $3,071
    UNIVERSAL LENDING CORPORATION 20 2.79% $9,312
    HOME POINT FINANCIAL CORPORATION 19 2.59% $6,483
    NAVY FEDERAL CREDIT UNION 19 2.47% $5,932
    NBH Bank 19 2.53% $5,016
    BROKER SOLUTIONS, INC. 18 2.66% $6,724
    Financial Funding Solutions, Inc. 17 2.94% $8,398
    PREMIER MORTGAGE SERVICES, INC. 15 2.66% $9,284
    Northpointe Bank 14 2.95% $7,857
    ACADEMY MORTGAGE CORPORATION 14 2.71% $6,392
    AMERICAN FINANCIAL NETWORK, INC. 12 2.90% $8,558
    HOMEAMERICAN MORTGAGE CORPORATION 12 2.51% $5,707
    THRIVE MORTGAGE, LLC 12 3.18% $6,731
    NP, Inc. 11 2.58% $5,400
    Barrington Bank & Trust Company, N.A. 11 2.51% $4,711
    Wells Fargo Bank 11 2.56% $4,051
    CROSSCOUNTRY MORTGAGE, LLC 11 3.27% $6,972
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 10 3.09% $8,580
    FINANCE OF AMERICA MORTGAGE LLC 10 2.75% $5,976
    The Federal Savings Bank 10 2.53% $8,365
    DRAPER AND KRAMER MORTGAGE CORP. 8 2.61% $8,158
    Mr. Cooper ( Nationstar Mortgage ) 8 2.97% $3,314
    PLANET HOME LENDING, LLC 8 2.55% $3,187
    LOANPAL, LLC 8 2.64% $8,167
    PENTAGON FEDERAL CREDIT UNION 8 2.33% $4,354
    AMERISAVE MORTGAGE CORPORATION 8 2.63% $6,541
    InterContinental Capital Group, Inc 7 2.39% $3,663
    Carrington Mortgage Services, LLC 7 3.05% $5,451
    CHERRY CREEK MORTGAGE, LLC 7 2.95% $5,784
    Midwest Mortgage Associates Corporation 7 2.64% $8,736
    S1L, Inc. 7 3.05% $5,732
    CORNERSTONE HOME LENDING, INC. 6 2.69% $7,693
    BAY EQUITY LLC 6 2.75% $9,318
    GUILD MORTGAGE COMPANY 6 2.92% $4,500
    AMERICAN FINANCING CORPORATION 6 2.52% $9,281
    CONTOUR MORTGAGE CORPORATION 5 2.75% $5,173
    Farmers & Stockmens Bank 5 2.33% $9,687
    Low VA Rates, LLC 5 2.25% $4,066
    MANN FINANCIAL INC. 5 3.30% $4,772
    Commerce Home Mortgage, Inc. 5 2.85% $5,429
    Flagstar Bank, FSB 5 2.70% $4,570
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 4 2.94% $5,401
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 2.94% $10,261
    The Central Trust Bank 4 2.88% $3,157
    INTEGRITY MORTGAGE & FINANCIAL INCORPORATED 4 2.50% $7,526
    MUTUAL OF OMAHA MORTGAGE, INC. 4 2.63% $7,603
    NOVA FINANCIAL & INVESTMENT CORPORATION 4 2.59% $4,878
    HUNT MORTGAGE CORPORATION 4 3.06% $6,925
    CHURCHILL MORTGAGE CORPORATION 4 2.47% $4,873
    Trinity Oaks Mortgage, LLC 4 3.19% $9,663
    First Federal Bank 4 3.90% $8,738
    Magnolia Bank 4 2.78% $13,355
    Loan Simple, Inc. 3 2.38% $6,253
    Amerifirst Financial, Inc. 3 3.08% $10,785
    SUN WEST MORTGAGE COMPANY, INC. 3 2.75% $7,671
    SOVEREIGN LENDING GROUP INCORPORATED 3 2.25% $6,365
    ZILLOW HOME LOANS, LLC 3 2.67% $9,038
    North American Savings Bank, F.S.B. 3 2.46% $6,901
    NFM, INC. 3 3.08% $7,268
    Lakeview Community Capital, LLC 3 2.46% $2,544
    First Guaranty Mortgage Corporation 2 2.50% $5,160
    GUARANTEED RATE AFFINITY, LLC 2 3.06% $4,484
    Equity Prime Mortgage LLC 2 3.56% $2,928
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 3.25% $3,423
    DAS Acquisition Company, LLC 2 2.88% $12,102
    Credence Funding Corporation 2 2.38% $2,297
    Mid-Continent Funding, Inc. 2 2.75% $7,059
    Nations Lending Corporation 2 3.19% $13,874
    NETWORK CAPITAL FUNDING CORPORATION 2 2.31% $5,710
    BNC National Bank 2 2.25% $5,458
    Paramount Residential Mortgage Group, Inc. 2 2.63% $7,866
    Plains Commerce Bank 2 2.50% $3,877
    THE MORTGAGE COMPANY 2 3.44% $7,040
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 3.00% $7,965
    VAN DYK MORTGAGE CORPORATION 2 2.75% $14,935
    V.I.P. MORTGAGE, INC. 2 3.19% $7,864
    ACCELERATE MORTGAGE, LLC 2 2.00% $6,464
    WESTERRA CREDIT UNION 2 3.00% $3,429
    WILLOW BEND MORTGAGE COMPANY, LLC 2 3.00% $8,839
    KS StateBank 1 2.25% $17,197
    J. VIRGIL, INC. 1 2.88% $3,464
    INTERCOASTAL MORTGAGE COMPANY 1 2.75% $3,600
    First Mortgage Solutions, LLC 1 2.25% $2,199
    INTERCAP LENDING INC. 1 3.00% $3,226
    BECKAM FUNDING CORP. 1 3.63% $7,620
    OPEN MORTGAGE, LLC 1 3.25% $16,532
    U.S. Bank 1 2.38% $2,598
    BAYSHORE MORTGAGE FUNDING, LLC 1 2.25% $1,046
    Independent Bank 1 2.38% $3,415
    First Home Bank 1 2.75% $1,055
    Bank of England 1 2.50% $23
    PREMIA MORTGAGE, LLC 1 2.25% $5,317
    Armed Forces Bank 1 2.25% $12,296
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.38% $1,251
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 2.99% $20,810
    ANGEL OAK HOME LOANS LLC 1 2.50% $7,197
    RANLIFE, INC. 1 2.88% $4,126
    ROYAL UNITED MORTGAGE LLC 1 2.38% $15,665
    Hometown Lenders, Inc. 1 2.25% $3,289
    SECURITYNATIONAL MORTGAGE COMPANY 1 2.25% $10,852
    Elevations Credit Union 1 2.63% $2,019
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.75% $12,001
    T2 FINANCIAL LLC 1 2.50% $2,389
    EMBRACE HOME LOANS, INC. 1 2.75% $2,980
    Glacier Bank 1 2.75% $3,267
    AIR ACADEMY 1 2.63% $888
    Fifth Third Bank 1 2.75% $2,917
    GENEVA FINANCIAL, LLC 1 2.50% $5,268
    UNION HOME MORTGAGE CORP. 1 2.25% $16,516
    UNITED SECURITY FINANCIAL CORP 1 2.25% $3,657
    Wyndham Capital Mortgage, Inc. 1 2.38% $1,895
    MID AMERICA MORTGAGE, INC. 1 2.63% $1,975
    Meridian Bank Corporation 1 2.38% $13,906
    Colonial Savings, F.A. 1 3.00% $8,520
    CMG MORTGAGE, INC. 1 2.25% $4,317
    Manufacturers and Traders Trust Company 1 2.50% $2,293
    First Western Trust Bank 1 2.63% $8,817
    Citizens Bank 1 2.75% $766
    CRESCENT MORTGAGE COMPANY 1 2.75% $2,240
    NBKC BANK 1 2.63% $1,944
    American Mortgage & Equity Consultants, Inc. 1 2.63% $6,595
    CELEBRITY HOME LOANS, LLC 1 2.50% $13,512

    The top Pueblo VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 116 VA loans originated. Their average total fees are $6,001, which is $962 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Pueblo VA lenders (with over 10 loans originated) are VILLAGE CAPITAL & INVESTMENT LLC ($2,646), LAKEVIEW LOAN SERVICING, LLC ($3,071), FREEDOM MORTGAGE CORPORATION ($3,221), CLEARPATH LENDING ($3,611) and Wells Fargo Bank ($4,051).

    The lowest rate Pueblo VA lenders (with over 10 loans originated) are CLEARPATH LENDING (2.32%), LAKEVIEW LOAN SERVICING, LLC (2.44%), VILLAGE CAPITAL & INVESTMENT LLC (2.45%), NAVY FEDERAL CREDIT UNION (2.47%) and PENNYMAC LOAN SERVICES, LLC (2.48%).

    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.