FORT COLLINS Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Fort Collins averaged
6.77%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.8% and
one month ago for the week of 2025-05-15, the
average rate was 6.57%.
Fort Collins's average rate one year ago was 6.71%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.63%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Fort Collins 30 Year Fixed Rate | 2025-06-18 | 6.77% |
| Fort Collins 30 Year Fixed Rate Refi | 2025-06-18 | 6.63% |
| Fort Collins 15 Year Fixed Rate | 2025-06-18 | 6.27% |
| Fort Collins 15 Year Fixed Rate Refi | 2025-06-18 | 5.86% |
| Fort Collins 30 Year FHA | 2025-06-18 | -0.37% |
| Fort Collins 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Fort Collins 30 Year USDA | 2025-06-18 | 0% |
| Fort Collins 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Fort Collins 30 Year VA | 2025-06-18 | -0.23% |
| Fort Collins 30 Year VA Refi | 2025-06-18 | -0.94% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within FORT COLLINS, CO.
FORT COLLINS Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the FORT COLLINS, CO market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
FORT COLLINS Average Closing Costs & Other Stats
FORT COLLINS, CO's 247 lenders originated 8,703
loans during 2024. The total origination value was $3,355,855,000, with an average loan value of
$385,597.
FORT COLLINS's average closing costs are $5,180.
The top FORT COLLINS lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
500 loans originated. Their average total fees are
$7,564, which is $319
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee FORT COLLINS lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($1,577), Morgan Stanley Private Bank ($3,386), NOVA FINANCIAL & INVESTMENT CORPORATION ($3,422), INSPIRE HOME LOANS INC. ($3,514) and CANVAS CREDIT UNION ($3,552).
The lowest rate FORT COLLINS lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.00%), HOMEAMERICAN MORTGAGE CORPORATION (5.53%), DHI MORTGAGE COMPANY, LTD. (5.67%), JET HOMELOANS, LLC (5.98%) and Ent Credit Union (5.99%).
FORT COLLINS, CO Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $291,735,000 | $369,425,000 | 26.6% | 11.0% |
| QUICKEN LOANS, LLC | $84,250,000 | $123,735,000 | 46.9% | 3.7% |
| First Western Trust Bank | $68,120,000 | $121,690,000 | 78.6% | 3.6% |
| PNC Bank | $10,415,000 | $100,180,000 | 861.9% | 3.0% |
| Elevations Credit Union | $118,590,000 | $98,710,000 | -16.8% | 2.9% |
| U.S. Bank | $51,980,000 | $95,800,000 | 84.3% | 2.9% |
| GUILD MORTGAGE COMPANY | $33,380,000 | $95,755,000 | 186.9% | 2.9% |
| Bank of Colorado | $100,520,000 | $92,780,000 | -7.7% | 2.8% |
| CBRE MULTIFAMILY CAPITAL, INC. | $35,755,000 | $92,530,000 | 158.8% | 2.8% |
| Ent Credit Union | $58,395,000 | $80,410,000 | 37.7% | 2.4% |
| FirstBank | $65,990,000 | $79,955,000 | 21.2% | 2.4% |
| DHI MORTGAGE COMPANY, LTD. | $62,975,000 | $74,585,000 | 18.4% | 2.2% |
| LOANDEPOT.COM, LLC | $46,495,000 | $74,260,000 | 59.7% | 2.2% |
| GROUP MORTGAGE, LLC | $63,735,000 | $72,710,000 | 14.1% | 2.2% |
| First National Bank of Omaha | $149,835,000 | $71,180,000 | -52.5% | 2.1% |
| GUARANTEED RATE, INC. | $50,220,000 | $64,090,000 | 27.6% | 1.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $61,195,000 | $59,160,000 | -3.3% | 1.8% |
| EAGLE HOME MORTGAGE, LLC | $37,485,000 | $57,375,000 | 53.1% | 1.7% |
| CANVAS CREDIT UNION | $48,020,000 | $54,670,000 | 13.8% | 1.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $51,850,000 | $50,235,000 | -3.1% | 1.5% |
| NBH Bank | $8,335,000 | $39,250,000 | 370.9% | 1.2% |
| Wells Fargo Bank | $56,465,000 | $38,725,000 | -31.4% | 1.2% |
| CMG MORTGAGE, INC. | $55,975,000 | $38,345,000 | -31.5% | 1.1% |
| JPMorgan Chase Bank | $35,340,000 | $37,960,000 | 7.4% | 1.1% |
| American Mortgage & Equity Consultants, Inc. | $22,160,000 | $30,810,000 | 39.0% | 0.9% |
| The Loan Store, Inc. | $7,370,000 | $29,660,000 | 302.4% | 0.9% |
| CORNERSTONE HOME LENDING, INC. | $41,540,000 | $26,910,000 | -35.2% | 0.8% |
| ANB Bank | $30,785,000 | $26,645,000 | -13.4% | 0.8% |
| JET HOMELOANS, LLC | $27,700,000 | $26,185,000 | -5.5% | 0.8% |
| HOMEAMERICAN MORTGAGE CORPORATION | $26,670,000 | $25,990,000 | -2.5% | 0.8% |
| BROKER SOLUTIONS, INC. | $14,595,000 | $24,805,000 | 70.0% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $16,475,000 | $24,370,000 | 47.9% | 0.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $10,730,000 | $23,405,000 | 118.1% | 0.7% |
| Mortgage Research Center, LLC | $13,595,000 | $22,945,000 | 68.8% | 0.7% |
| MEGASTAR FINANCIAL CORP. | $22,380,000 | $22,470,000 | 0.4% | 0.7% |
| Barings Multifamily Capital | $22,310,000 | n/a | 0.7% | |
| FIRST TECHNOLOGY | $15,050,000 | $21,580,000 | 43.4% | 0.6% |
| AMERICAN FINANCING CORPORATION | $11,850,000 | $19,515,000 | 64.7% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $13,085,000 | $19,015,000 | 45.3% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $5,665,000 | $18,960,000 | 234.7% | 0.6% |
| TBI MORTGAGE COMPANY | $1,345,000 | $18,125,000 | 1,247.6% | 0.5% |
| NEWREZ LLC | $6,340,000 | $17,115,000 | 170.0% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $3,730,000 | $15,600,000 | 318.2% | 0.5% |
| The Huntington National Bank | $17,470,000 | $14,995,000 | -14.2% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $12,630,000 | $14,880,000 | 17.8% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $145,000 | $13,845,000 | 9,448.3% | 0.4% |
| GUARANTEED RATE AFFINITY, LLC | $14,425,000 | $13,580,000 | -5.9% | 0.4% |
| TOWNE MORTGAGE COMPANY | $7,810,000 | $13,400,000 | 71.6% | 0.4% |
| SECURITY SERVICE | $20,255,000 | $13,280,000 | -34.4% | 0.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $9,945,000 | $12,560,000 | 26.3% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $8,110,000 | $12,550,000 | 54.7% | 0.4% |
| INSPIRE HOME LOANS INC. | $12,295,000 | n/a | 0.4% | |
| JONES LANG LASALLE MULTIFAMILY, LLC | $11,820,000 | n/a | 0.4% | |
| NBKC BANK | $4,460,000 | $11,530,000 | 158.5% | 0.3% |
| Morgan Stanley Private Bank | $9,855,000 | $11,475,000 | 16.4% | 0.3% |
| Blue Federal Credit Union | $11,680,000 | $10,935,000 | -6.4% | 0.3% |
| Gateway First Bank | $13,270,000 | $10,560,000 | -20.4% | 0.3% |
| BELLCO | $7,475,000 | $10,440,000 | 39.7% | 0.3% |
| NMSI, INC. | $7,610,000 | $9,820,000 | 29.0% | 0.3% |
| UNION HOME MORTGAGE CORP. | $1,135,000 | $9,795,000 | 763.0% | 0.3% |
| Zions Bank | $11,650,000 | $9,640,000 | -17.3% | 0.3% |
| Adams Bank & Trust | $8,310,000 | $9,370,000 | 12.8% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $15,655,000 | $9,105,000 | -41.8% | 0.3% |
| Prudential Huntoon Paige Associates, LLC | $8,995,000 | $8,965,000 | -0.3% | 0.3% |
| BMO Harris Bank | $12,395,000 | $8,905,000 | -28.2% | 0.3% |
| Bell Bank | $5,310,000 | $8,835,000 | 66.4% | 0.3% |
| V.I.P. MORTGAGE, INC. | $9,465,000 | $8,210,000 | -13.3% | 0.2% |
| Independent Bank | $13,545,000 | $8,065,000 | -40.5% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $1,890,000 | $8,020,000 | 324.3% | 0.2% |
| Bank of America | $10,780,000 | $7,695,000 | -28.6% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,045,000 | $7,560,000 | 49.9% | 0.2% |
| UMB Bank | $2,655,000 | $7,515,000 | 183.1% | 0.2% |
| ALLIED MORTGAGE GROUP, INC. | $1,220,000 | $7,295,000 | 498.0% | 0.2% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $10,150,000 | $7,180,000 | -29.3% | 0.2% |
| Keystone Funding, Inc. | $415,000 | $7,085,000 | 1,607.2% | 0.2% |
| The Federal Savings Bank | $9,345,000 | $6,905,000 | -26.1% | 0.2% |
| BAY EQUITY LLC | $8,055,000 | $6,870,000 | -14.7% | 0.2% |
| Charles Schwab Bank, SSB | $7,390,000 | $6,790,000 | -8.1% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $6,580,000 | $6,710,000 | 2.0% | 0.2% |
| PREMIER MEMBERS CREDIT UNION | $17,685,000 | $6,665,000 | -62.3% | 0.2% |
| PLANET HOME LENDING, LLC | $1,960,000 | $6,505,000 | 231.9% | 0.2% |
| Ixonia Bank | $4,565,000 | $6,295,000 | 37.9% | 0.2% |
| BROOKHOLLOW MORTGAGE SERVICES, LTD | $6,805,000 | $5,960,000 | -12.4% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $2,330,000 | $5,865,000 | 151.7% | 0.2% |
| BOKF | $4,135,000 | $5,670,000 | 37.1% | 0.2% |
| Loan Simple, Inc. | $2,080,000 | $5,575,000 | 168.0% | 0.2% |
| S1L, Inc. | $5,465,000 | $5,315,000 | -2.7% | 0.2% |
| Figure Lending LLC | $4,670,000 | $5,265,000 | 12.7% | 0.2% |
| Commerce Home Mortgage, Inc. | $3,755,000 | $5,175,000 | 37.8% | 0.2% |
| Discover Bank | $5,965,000 | $5,120,000 | -14.2% | 0.2% |
| Points West Community Bank | $6,705,000 | $5,060,000 | -24.5% | 0.2% |
| NEST HOME LENDING, LLC | $10,535,000 | $5,050,000 | -52.1% | 0.2% |
| PHH Mortgage Corporation | $2,080,000 | $4,885,000 | 134.9% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $3,770,000 | $4,775,000 | 26.7% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $5,485,000 | $4,475,000 | -18.4% | 0.1% |
| Plains Commerce Bank | $5,195,000 | $4,465,000 | -14.1% | 0.1% |
| Citibank | $4,835,000 | $4,390,000 | -9.2% | 0.1% |
| USAA Federal Savings Bank | $8,445,000 | $4,375,000 | -48.2% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $4,750,000 | $4,335,000 | -8.7% | 0.1% |
| KeyBank | $12,425,000 | $4,190,000 | -66.3% | 0.1% |
| EVERETT FINANCIAL, INC. | $5,935,000 | $3,975,000 | -33.0% | 0.1% |
| SWBC MORTGAGE CORPORATION | $4,815,000 | $3,965,000 | -17.7% | 0.1% |
| ALLIANT CREDIT UNION | $1,930,000 | $3,875,000 | 100.8% | 0.1% |
| Northpointe Bank | $2,235,000 | $3,675,000 | 64.4% | 0.1% |
| RF Renovo Management Company, LLC | $415,000 | $3,645,000 | 778.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $4,020,000 | $3,520,000 | -12.4% | 0.1% |
| First National Bank | $9,035,000 | $3,505,000 | -61.2% | 0.1% |
| NexBank | $1,530,000 | $3,385,000 | 121.2% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $4,980,000 | $3,370,000 | -32.3% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $4,105,000 | $3,320,000 | -19.1% | 0.1% |
| WESTERRA CREDIT UNION | $820,000 | $3,240,000 | 295.1% | 0.1% |
| FMS Bank | $1,065,000 | $3,225,000 | 202.8% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,930,000 | $3,180,000 | 64.8% | 0.1% |
| SUMMIT FUNDING, INC. | $3,605,000 | $3,165,000 | -12.2% | 0.1% |
| Alpine Bank | $3,645,000 | $3,135,000 | -14.0% | 0.1% |
| Flagstar Bank, FSB | $4,990,000 | $3,135,000 | -37.2% | 0.1% |
| Carrington Mortgage Services, LLC | $3,440,000 | $3,110,000 | -9.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $6,570,000 | $2,990,000 | -54.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $2,690,000 | $2,990,000 | 11.2% | 0.1% |
| NEXERA HOLDING LLC | $455,000 | $2,940,000 | 546.2% | 0.1% |
| ENVOY MORTGAGE, LTD | $2,890,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $2,825,000 | n/a | 0.1% | |
| First Interstate Bank | $1,240,000 | $2,740,000 | 121.0% | 0.1% |
| NFM, INC. | $2,725,000 | $2,705,000 | -0.7% | 0.1% |
| UBS Bank USA | $4,765,000 | $2,700,000 | -43.3% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $1,570,000 | $2,695,000 | 71.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $3,420,000 | $2,655,000 | -22.4% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,690,000 | $2,640,000 | 56.2% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $1,595,000 | $2,640,000 | 65.5% | 0.1% |
| T2 FINANCIAL LLC | $1,890,000 | $2,600,000 | 37.6% | 0.1% |
| Credit Union of Denver | $900,000 | $2,535,000 | 181.7% | 0.1% |
| The Eastern Colorado Bank | $2,505,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $9,200,000 | $2,445,000 | -73.4% | 0.1% |
| Ally Bank | $2,435,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,090,000 | $2,430,000 | 122.9% | 0.1% |
| ARC HOME LLC | $2,425,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $485,000 | $2,420,000 | 399.0% | 0.1% |
| FBC MORTGAGE, LLC | $2,405,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $2,210,000 | $2,390,000 | 8.1% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $2,930,000 | $2,340,000 | -20.1% | 0.1% |
| Hometown Equity Mortgage, LLC | $305,000 | $2,265,000 | 642.6% | 0.1% |
| Merchants Mortgage & Trust Corporation | $1,695,000 | $2,265,000 | 33.6% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $425,000 | $2,205,000 | 418.8% | 0.1% |
| First Federal Bank | $2,180,000 | n/a | 0.1% | |
| Sunflower Bank | $825,000 | $2,165,000 | 162.4% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $850,000 | $2,100,000 | 147.1% | 0.1% |
| CHEVRON | $2,060,000 | $2,075,000 | 0.7% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,480,000 | $2,065,000 | 39.5% | 0.1% |
| Financial Funding Solutions, Inc. | $700,000 | $2,035,000 | 190.7% | 0.1% |
| Sooper Credit Union | $2,670,000 | $1,975,000 | -26.0% | 0.1% |
| SPRING EQ, LLC | $1,225,000 | $1,965,000 | 60.4% | 0.1% |
| Equity Prime Mortgage LLC | $505,000 | $1,925,000 | 281.2% | 0.1% |
| ENCORE BANK | $865,000 | $1,855,000 | 114.5% | 0.1% |
| AIR ACADEMY | $1,440,000 | $1,770,000 | 22.9% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,765,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $2,635,000 | $1,745,000 | -33.8% | 0.1% |
| Bethpage Federal Credit Union | $415,000 | $1,735,000 | 318.1% | 0.1% |
| Prosperity Home Mortgage, LLC | $1,415,000 | $1,730,000 | 22.3% | 0.1% |
| Mortgage Bank of California | $1,680,000 | n/a | 0.1% | |
| Coastal Community Bank | $1,970,000 | $1,670,000 | -15.2% | 0.0% |
| ON TAP | $1,660,000 | $1,670,000 | 0.6% | 0.0% |
| Stifel Bank and Trust | $2,915,000 | $1,670,000 | -42.7% | 0.0% |
| High Plains Bank | $1,000,000 | $1,640,000 | 64.0% | 0.0% |
| Farm Credit Mid-America, ACA | $275,000 | $1,635,000 | 494.5% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $1,585,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $545,000 | $1,465,000 | 168.8% | 0.0% |
| LENDSURE MORTGAGE CORP. | $1,150,000 | $1,445,000 | 25.7% | 0.0% |
| NEW DAY FINANCIAL, LLC | $125,000 | $1,430,000 | 1,044.0% | 0.0% |
| City National Bank | $4,220,000 | $1,425,000 | -66.2% | 0.0% |
| THE MORTGAGE COMPANY | $1,400,000 | n/a | 0.0% | |
| THOMPSON KANE & COMPANY, LLC | $1,910,000 | $1,400,000 | -26.7% | 0.0% |
| GMFS LLC | $205,000 | $1,385,000 | 575.6% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $1,385,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $1,375,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $435,000 | $1,345,000 | 209.2% | 0.0% |
| Northern Colorado Credit Union | $160,000 | $1,305,000 | 715.6% | 0.0% |
| PREMIA MORTGAGE, LLC | $575,000 | $1,300,000 | 126.1% | 0.0% |
| BNY Mellon | $1,290,000 | n/a | 0.0% | |
| Logan Finance Corporation | $1,210,000 | $1,290,000 | 6.6% | 0.0% |
| OCMBC, INC. | $3,510,000 | $1,290,000 | -63.2% | 0.0% |
| MORTGAGE ACCESS CORP. | $1,815,000 | $1,275,000 | -29.8% | 0.0% |
| LADERA LENDING, INC. | $600,000 | $1,260,000 | 110.0% | 0.0% |
| First National Bank of America | $710,000 | $1,225,000 | 72.5% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $930,000 | $1,220,000 | 31.2% | 0.0% |
| FOOTHILLS | $510,000 | $1,220,000 | 139.2% | 0.0% |
| INTERCAP LENDING INC. | $3,070,000 | $1,215,000 | -60.4% | 0.0% |
| Truist | $1,205,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $1,185,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $1,165,000 | n/a | 0.0% | |
| Citizens Bank | $390,000 | $1,130,000 | 189.7% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $505,000 | $1,130,000 | 123.8% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $3,875,000 | $1,125,000 | -71.0% | 0.0% |
| Red Rocks Credit Union | $415,000 | $1,110,000 | 167.5% | 0.0% |
| Servion, Inc. | $870,000 | $1,090,000 | 25.3% | 0.0% |
| GENEVA FINANCIAL, LLC | $3,695,000 | $1,080,000 | -70.8% | 0.0% |
| Cornerstone First Mortgage, Inc | $245,000 | $1,045,000 | 326.5% | 0.0% |
| Magnolia Bank | $1,040,000 | n/a | 0.0% | |
| LOANPAL, LLC | $690,000 | $1,020,000 | 47.8% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $155,000 | $1,020,000 | 558.1% | 0.0% |
| Bremer Bank | $995,000 | n/a | 0.0% | |
| COLORADO CREDIT UNION | $1,625,000 | $995,000 | -38.8% | 0.0% |
| The Central Trust Bank | $1,000,000 | $995,000 | -0.5% | 0.0% |
| AmeriHome Mortgage Company, LLC | $275,000 | $990,000 | 260.0% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $2,435,000 | $975,000 | -60.0% | 0.0% |
| EQUITABLE SAVINGS AND LOAN ASSOCIATION | $1,855,000 | $970,000 | -47.7% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $855,000 | $955,000 | 11.7% | 0.0% |
| Citadel Servicing Corporation | $495,000 | $945,000 | 90.9% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $945,000 | n/a | 0.0% | |
| Academy Bank | $935,000 | n/a | 0.0% | |
| Nations Lending Corporation | $975,000 | $930,000 | -4.6% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $925,000 | n/a | 0.0% | |
| Goldman Sachs Bank USA | $925,000 | n/a | 0.0% | |
| Weld Schools Credit Union | $465,000 | $920,000 | 97.8% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $900,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $870,000 | n/a | 0.0% | |
| Fifth Third Bank | $2,725,000 | $870,000 | -68.1% | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | $475,000 | $870,000 | 83.2% | 0.0% |
| M&T Bank | $455,000 | $865,000 | 90.1% | 0.0% |
| Veritex Community Bank | $865,000 | n/a | 0.0% | |
| Network Funding, L.P. | $850,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $300,000 | $840,000 | 180.0% | 0.0% |
| M2 Lending Solutions, LLC | $830,000 | n/a | 0.0% | |
| Peak Financial | $830,000 | n/a | 0.0% | |
| Dollar Bank, Federal Savings Bank | $3,320,000 | $815,000 | -75.5% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $680,000 | $810,000 | 19.1% | 0.0% |
| Granite Community Bank | $800,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $795,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $115,000 | $785,000 | 582.6% | 0.0% |
| Meridian Trust Federal Credit Union | $2,385,000 | $780,000 | -67.3% | 0.0% |
| First-Citizens Bank & Trust Company | $1,670,000 | $770,000 | -53.9% | 0.0% |
| Farmers Bank & Trust | $1,185,000 | $765,000 | -35.4% | 0.0% |
| Firefighters First Federal Credit Union | $370,000 | $765,000 | 106.8% | 0.0% |
| Flanagan State Bank | $765,000 | n/a | 0.0% | |
| KINECTA | $760,000 | n/a | 0.0% | |
| IOWA BANKERS MORTGAGE CORPORATION | $755,000 | n/a | 0.0% | |
| West Gate Bank | $755,000 | n/a | 0.0% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,005,000 | $745,000 | -25.9% | 0.0% |
| RBC Bank, (Georgia) | $805,000 | $745,000 | -7.5% | 0.0% |
| Northwest Bank | $740,000 | n/a | 0.0% | |
| Core Bank | $725,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $720,000 | n/a | 0.0% | |
| Union Bank and Trust Company | $720,000 | n/a | 0.0% | |
| Regions Bank | $1,465,000 | $715,000 | -51.2% | 0.0% |
| 5TH STREET CAPITAL, INC. | $705,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $670,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,675,000 | $670,000 | -60.0% | 0.0% |
| FirsTier Bank | $790,000 | $665,000 | -15.8% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,125,000 | $660,000 | -41.3% | 0.0% |
| IDEAL HOME LOANS LLC | $655,000 | n/a | 0.0% | |
| Armed Forces Bank | $645,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $645,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $645,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $11,960,000 | $615,000 | -94.9% | 0.0% |
| PROPER RATE, LLC | $605,000 | n/a | 0.0% | |
| Pinnacle Bank | $600,000 | n/a | 0.0% | |
| NuVision Federal Credit Union | $490,000 | $595,000 | 21.4% | 0.0% |
| Third Coast Bank SSB | $585,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $645,000 | $585,000 | -9.3% | 0.0% |
| Old National Bank | $575,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,000,000 | $570,000 | -71.5% | 0.0% |
| HOMESTEAD FUNDING CORP. | $680,000 | $565,000 | -16.9% | 0.0% |
| Enterprise Bank & Trust | $225,000 | $555,000 | 146.7% | 0.0% |
| Wallick & Volk, Inc. | $1,545,000 | $555,000 | -64.1% | 0.0% |
| EMM LOANS LLC | $550,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $545,000 | n/a | 0.0% | |
| Stride Bank | $525,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $740,000 | $520,000 | -29.7% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $515,000 | n/a | 0.0% | |
| GARDNER FINANCIAL SERVICES, LTD. | $515,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $505,000 | n/a | 0.0% | |
| DIGNIFIED HOME LOANS, LLC | $505,000 | n/a | 0.0% | |
| MidWestOne Bank | $115,000 | $505,000 | 339.1% | 0.0% |
| ROCKY MOUNTAIN LAW ENFORCEMENT FCU | $45,000 | $485,000 | 977.8% | 0.0% |
| Home Mortgage Alliance Corp | $480,000 | n/a | 0.0% | |
| Amarillo National Bank | $475,000 | n/a | 0.0% | |
| STOCKTON MORTGAGE CORPORATION | $225,000 | $475,000 | 111.1% | 0.0% |
| CITYWIDE HOME LOANS, LLC | $925,000 | $470,000 | -49.2% | 0.0% |
| Beeline Loans, Inc. | $465,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $10,970,000 | $465,000 | -95.8% | 0.0% |
| Towne Bank | $465,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $465,000 | n/a | 0.0% | |
| FirstBank | $65,990,000 | $460,000 | -99.3% | 0.0% |
| Arvest Bank | $455,000 | n/a | 0.0% | |
| ADVANCIAL | $305,000 | $450,000 | 47.5% | 0.0% |
| CENTENNIAL LENDING, LLC | $445,000 | n/a | 0.0% | |
| First State Bank | $445,000 | n/a | 0.0% | |
| Bank of England | $1,425,000 | $425,000 | -70.2% | 0.0% |
| United Community Bank | $415,000 | n/a | 0.0% | |
| Ameris Bank | $790,000 | $405,000 | -48.7% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $405,000 | n/a | 0.0% | |
| LOANPEOPLE, LLC | $405,000 | $405,000 | 0.0% | 0.0% |
| MidFirst Bank | $405,000 | n/a | 0.0% | |
| PREMIER MORTGAGE SERVICES, INC. | $405,000 | n/a | 0.0% | |
| 212 LOANS, LLC. | $425,000 | $395,000 | -7.1% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $180,000 | $395,000 | 119.4% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $395,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $25,000 | $395,000 | 1,480.0% | 0.0% |
| LOANFLIGHT LENDING, LLC | $395,000 | n/a | 0.0% | |
| Mortgage Assurance Inc. | $515,000 | $395,000 | -23.3% | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | $760,000 | $385,000 | -49.3% | 0.0% |
| Axos Bank | $385,000 | n/a | 0.0% | |
| PLUS RELOCATION MORTGAGE, LLC | $385,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $345,000 | $385,000 | 11.6% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $375,000 | n/a | 0.0% | |
| Jonah Bank of Wyoming | $4,885,000 | $375,000 | -92.3% | 0.0% |
| Truity Federal Credit Union | $355,000 | n/a | 0.0% | |
| DENVER COMMUNITY | $100,000 | $350,000 | 250.0% | 0.0% |
| Summit Credit Union | $350,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $1,630,000 | $335,000 | -79.4% | 0.0% |
| HighTechLending Inc | $335,000 | n/a | 0.0% | |
| Liberty Savings Bank, F.S.B. | $335,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $155,000 | $335,000 | 116.1% | 0.0% |
| Toyota Financial Savings Bank | $325,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $690,000 | $325,000 | -52.9% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $305,000 | $315,000 | 3.3% | 0.0% |
| The Dart Bank | $315,000 | n/a | 0.0% | |
| FAIRWINDS CREDIT UNION | $305,000 | n/a | 0.0% | |
| Notre Dame Federal Credit Union Corporation | $305,000 | n/a | 0.0% | |
| Summit Mortgage Corporation | $750,000 | $295,000 | -60.7% | 0.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | $275,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $95,000 | $275,000 | 189.5% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $255,000 | n/a | 0.0% | |
| WESTERN VISTA | $170,000 | $255,000 | 50.0% | 0.0% |
| Fidelity Bank | $245,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $1,370,000 | $235,000 | -82.8% | 0.0% |
| Commerce Bank | $3,915,000 | $225,000 | -94.3% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $225,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $4,370,000 | $215,000 | -95.1% | 0.0% |
| Northwest Federal Credit Union | $205,000 | n/a | 0.0% | |
| Abbott Laboratories Employees Credit Union | $195,000 | n/a | 0.0% | |
| Red River Bank | $185,000 | n/a | 0.0% | |
| PARTNER COLORADO | $245,000 | $180,000 | -26.5% | 0.0% |
| Baxter Credit Union | $95,000 | $175,000 | 84.2% | 0.0% |
| FIRST NATIONS HOME FINANCE CORPORATION | $505,000 | $165,000 | -67.3% | 0.0% |
| THRIVENT Federal Credit Union | $100,000 | $155,000 | 55.0% | 0.0% |
| Franklin Loan Corporation | $880,000 | $125,000 | -85.8% | 0.0% |
| DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION | $115,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $720,000 | $115,000 | -84.0% | 0.0% |
| FIDELIS CATHOLIC | $115,000 | n/a | 0.0% | |
| KEYPOINT | $105,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $105,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $105,000 | n/a | 0.0% | |
| Southwest Airlines Federal Credit Union | $85,000 | $105,000 | 23.5% | 0.0% |
| Centier Bank | $110,000 | $100,000 | -9.1% | 0.0% |
| FITZSIMONS FEDERAL CREDIT UNION | $95,000 | n/a | 0.0% | |
| Deseret First Credit Union | $85,000 | n/a | 0.0% | |
| Connexus Credit Union | $420,000 | $75,000 | -82.1% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $480,000 | $75,000 | -84.4% | 0.0% |
| GTE Federal Credit Union | $135,000 | $65,000 | -51.9% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $130,000 | $65,000 | -50.0% | 0.0% |
| SKYONE Federal Credit Union | $35,000 | $65,000 | 85.7% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $65,000 | $55,000 | -15.4% | 0.0% |
| Space Age Federal Credit Union | $55,000 | $55,000 | 0.0% | 0.0% |
| Elements Financial Federal Credit Union | $35,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | $25,000 | 0.0% | 0.0% |
| Heritage Bank | $15,000 | n/a | 0.0% |
FORT COLLINS's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 11.0% market share. In second place, with 3.7%, is QUICKEN LOANS, LLC, having originated $123,735,000 in loans. In third place, with 3.6%, is First Western Trust Bank, having originated $121,690,000 in loans. In fourth place, with 3.0%, is PNC Bank, having originated $100,180,000 in loans. In fifth place, with 2.9%, is Elevations Credit Union, having originated $98,710,000 in loans.
FORT COLLINS, CO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 4,774 | $2,248,670,000 | $471,024 |
| Other | 1,076 | $124,420,000 | $115,632 |
| Refi | 1,000 | $610,050,000 | $610,050 |
| Cash Out Refi | 964 | $259,890,000 | $269,595 |
| Home Improvement | 887 | $112,055,000 | $126,330 |
| NA | 2 | $770,000 | $385,000 |
Fort Collins's most frequently cited loan purpose was Home Purchase, with 4,774 originations. The 2nd most popular reason was Other, with 1,076 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 3,036 | $1,365,360,000 | $449,723 |
| Over 8% | 2,342 | $341,080,000 | $145,636 |
| 7-8% | 1,525 | $591,435,000 | $387,826 |
| 5-6% | 1,256 | $736,750,000 | $586,584 |
| 4-5% | 325 | $269,235,000 | $828,415 |
| <2.5% | 80 | $4,140,000 | $51,750 |
| 3-4% | 30 | $13,950,000 | $465,000 |
| 2.5-3% | 18 | $5,790,000 | $321,667 |
During 2024, Fort Collins's most frequently originated rate bucket was 6-7%, with 3,036 originations.
Loan Sizing (FORT COLLINS, CO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 2,441 | $1,175,035,000 | $481,374 |
| $200k-400k | 2,388 | $734,450,000 | $307,559 |
| $100,000 or less | 1,635 | $89,905,000 | $54,988 |
| $100k-200k | 1,203 | $165,315,000 | $137,419 |
| $600k-1000k | 875 | $619,765,000 | $708,303 |
| $Over $1MM | 161 | $571,385,000 | $3,548,975 |
FORT COLLINS's loan sizing saw the bucket of loans from $400k-600k with 2,441 originations, totaling $1,175,035,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,452 | $1,223,400,000 | $498,940 |
| Under 20% | 2,067 | $195,235,000 | $94,453 |
| 60-80% | 1,944 | $1,129,540,000 | $581,039 |
| 20-40% | 1,120 | $249,980,000 | $223,196 |
| 40-60% | 934 | $473,030,000 | $506,456 |
| Over 100% | 61 | $33,745,000 | $553,197 |
FORT COLLINS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,452 originations, totaling $1,223,400,000 in origination value.