Fort Morgan Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Fort Morgan averaged
6.89%
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
6.82% and
one month ago for the week of 2025-05-15, the
average rate was 6.89%.
Fort Morgan's average rate one year ago was 6.83%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Fort Morgan 30 Year Fixed Rate | 2025-06-18 | 6.89% |
| Fort Morgan 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Fort Morgan 15 Year Fixed Rate | 2025-06-18 | 6.16% |
| Fort Morgan 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Fort Morgan 30 Year FHA | 2025-06-18 | -0.02% |
| Fort Morgan 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Fort Morgan 30 Year USDA | 2025-06-18 | -0.2% |
| Fort Morgan 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Fort Morgan 30 Year VA | 2025-06-18 | 0.2% |
| Fort Morgan 30 Year VA Refi | 2025-06-18 | 0.1% |
Fort Morgan 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 Morgan, 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 Morgan Average Closing Costs & Other Stats
Fort Morgan, CO's 57 lenders originated 585
loans during 2024. The total origination value was $152,005,000, with an average loan value of
$259,838.
Fort Morgan's average closing costs are $6,558.
The top Fort Morgan lender as defined by loan originations is Bank of Colorado, with
21 loans originated. Their average total fees are
$5,746, which is $5,518
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Fort Morgan lenders (with over 10 loans originated) are
Bank of Colorado ($5,746), QUICKEN LOANS, LLC ($7,943), UNITED WHOLESALE MORTGAGE, LLC ($11,265), .
The lowest rate Fort Morgan lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.67%), QUICKEN LOANS, LLC (6.75%), Bank of Colorado (6.85%), .
Fort Morgan, 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 |
|---|---|---|---|---|
| Bank of Colorado | $16,680,000 | $19,280,000 | 15.6% | 12.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $13,050,000 | $18,050,000 | 38.3% | 11.9% |
| QUICKEN LOANS, LLC | $10,315,000 | $7,425,000 | -28.0% | 4.9% |
| GUILD MORTGAGE COMPANY | $2,480,000 | $6,680,000 | 169.4% | 4.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,380,000 | $5,475,000 | 130.0% | 3.6% |
| AMERICAN FINANCING CORPORATION | $4,400,000 | $5,300,000 | 20.5% | 3.5% |
| FMS Bank | $3,705,000 | $4,410,000 | 19.0% | 2.9% |
| Loan Simple, Inc. | $325,000 | $4,260,000 | 1,210.8% | 2.8% |
| BROKER SOLUTIONS, INC. | $1,920,000 | $3,490,000 | 81.8% | 2.3% |
| VAN DYK MORTGAGE CORPORATION | $1,845,000 | $2,980,000 | 61.5% | 2.0% |
| Mortgage Research Center, LLC | $2,145,000 | $2,970,000 | 38.5% | 2.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,465,000 | $2,800,000 | -19.2% | 1.8% |
| NEWREZ LLC | $345,000 | $2,685,000 | 678.3% | 1.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,540,000 | $2,605,000 | -26.4% | 1.7% |
| U.S. Bank | $100,000 | $2,230,000 | 2,130.0% | 1.5% |
| NATIONS DIRECT MORTGAGE, LLC | $2,145,000 | n/a | 1.4% | |
| Northpointe Bank | $1,560,000 | $1,920,000 | 23.1% | 1.3% |
| Financial Funding Solutions, Inc. | $2,400,000 | $1,905,000 | -20.6% | 1.3% |
| FREEDOM MORTGAGE CORPORATION | $985,000 | $1,885,000 | 91.4% | 1.2% |
| EVERETT FINANCIAL, INC. | $1,760,000 | $1,690,000 | -4.0% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $390,000 | $1,635,000 | 319.2% | 1.1% |
| CMG MORTGAGE, INC. | $405,000 | $1,525,000 | 276.5% | 1.0% |
| S1L, Inc. | $720,000 | $1,510,000 | 109.7% | 1.0% |
| Ixonia Bank | $1,485,000 | n/a | 1.0% | |
| GUARANTEED RATE, INC. | $360,000 | $1,390,000 | 286.1% | 0.9% |
| American Mortgage & Equity Consultants, Inc. | $2,615,000 | $1,365,000 | -47.8% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $650,000 | $1,345,000 | 106.9% | 0.9% |
| VILLAGE CAPITAL MORTGAGE | $1,235,000 | n/a | 0.8% | |
| JPMorgan Chase Bank | $85,000 | $1,150,000 | 1,252.9% | 0.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,240,000 | $1,125,000 | -9.3% | 0.7% |
| EQUITABLE SAVINGS AND LOAN ASSOCIATION | $2,330,000 | $1,110,000 | -52.4% | 0.7% |
| HOMESIDE FINANCIAL, LLC | $245,000 | $1,075,000 | 338.8% | 0.7% |
| High Plains Bank | $455,000 | $1,070,000 | 135.2% | 0.7% |
| Sunflower Bank | $1,050,000 | n/a | 0.7% | |
| V.I.P. MORTGAGE, INC. | $550,000 | $985,000 | 79.1% | 0.6% |
| Flagstar Bank, FSB | $55,000 | $920,000 | 1,572.7% | 0.6% |
| Paramount Residential Mortgage Group, Inc. | $1,230,000 | $895,000 | -27.2% | 0.6% |
| CANVAS CREDIT UNION | $350,000 | $835,000 | 138.6% | 0.5% |
| AMERICAN FINANCIAL NETWORK, INC. | $455,000 | $815,000 | 79.1% | 0.5% |
| COLORADO CREDIT UNION | $790,000 | n/a | 0.5% | |
| First Western Trust Bank | $780,000 | n/a | 0.5% | |
| SOUTHWEST FUNDING, LP | $710,000 | n/a | 0.5% | |
| NBH Bank | $700,000 | n/a | 0.5% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $305,000 | $690,000 | 126.2% | 0.5% |
| ENVOY MORTGAGE, LTD | $660,000 | n/a | 0.4% | |
| NAVY FEDERAL CREDIT UNION | $420,000 | $655,000 | 56.0% | 0.4% |
| UMB Bank | $635,000 | n/a | 0.4% | |
| PHH Mortgage Corporation | $585,000 | n/a | 0.4% | |
| LENDINGHOME FUNDING CORPORATION | $225,000 | $570,000 | 153.3% | 0.4% |
| PLANET HOME LENDING, LLC | $235,000 | $565,000 | 140.4% | 0.4% |
| TOP FLITE FINANCIAL, INC. | $535,000 | n/a | 0.4% | |
| Wells Fargo Bank | $460,000 | $530,000 | 15.2% | 0.3% |
| BOKF | $420,000 | $515,000 | 22.6% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $355,000 | $500,000 | 40.8% | 0.3% |
| Elevations Credit Union | $1,445,000 | $490,000 | -66.1% | 0.3% |
| LOANPAL, LLC | $205,000 | $465,000 | 126.8% | 0.3% |
| Carrington Mortgage Services, LLC | $415,000 | $460,000 | 10.8% | 0.3% |
| ZILLOW HOME LOANS, LLC | $450,000 | n/a | 0.3% | |
| LENDINGONE, LLC | $445,000 | n/a | 0.3% | |
| The Federal Savings Bank | $1,470,000 | $425,000 | -71.1% | 0.3% |
| NBKC BANK | $405,000 | n/a | 0.3% | |
| GMFS LLC | $395,000 | n/a | 0.3% | |
| Keystone Funding, Inc. | $195,000 | $395,000 | 102.6% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $395,000 | n/a | 0.3% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $390,000 | n/a | 0.3% | |
| NexBank | $385,000 | n/a | 0.3% | |
| Gateway First Bank | $1,225,000 | $355,000 | -71.0% | 0.2% |
| Ent Credit Union | $1,940,000 | $350,000 | -82.0% | 0.2% |
| Alpine Bank | $345,000 | n/a | 0.2% | |
| Coastal Community Bank | $160,000 | $335,000 | 109.4% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $335,000 | n/a | 0.2% | |
| TOTAL MORTGAGE SERVICES, LLC | $335,000 | n/a | 0.2% | |
| MICHIGAN MUTUAL, INC. | $265,000 | $325,000 | 22.6% | 0.2% |
| BMO Harris Bank | $485,000 | $310,000 | -36.1% | 0.2% |
| LOANDEPOT.COM, LLC | $1,090,000 | $310,000 | -71.6% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $340,000 | $295,000 | -13.2% | 0.2% |
| SECURITY SERVICE | $290,000 | n/a | 0.2% | |
| Summit Mortgage Corporation | $270,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $265,000 | n/a | 0.2% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $255,000 | n/a | 0.2% | |
| OCMBC, INC. | $215,000 | $245,000 | 14.0% | 0.2% |
| TBK BANK, SSB | $320,000 | $245,000 | -23.4% | 0.2% |
| First National Bank of Omaha | $235,000 | n/a | 0.2% | |
| Logan Finance Corporation | $235,000 | n/a | 0.2% | |
| SUN WEST MORTGAGE COMPANY, INC. | $235,000 | n/a | 0.2% | |
| UNION HOME MORTGAGE CORP. | $235,000 | n/a | 0.2% | |
| VERITAS FUNDING, LLC | $205,000 | $225,000 | 9.8% | 0.1% |
| BETTER MORTGAGE CORPORATION | $225,000 | $205,000 | -8.9% | 0.1% |
| Independent Bank | $215,000 | $205,000 | -4.7% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $195,000 | n/a | 0.1% | |
| Flanagan State Bank | $195,000 | n/a | 0.1% | |
| BELLCO | $235,000 | $190,000 | -19.1% | 0.1% |
| Granite Community Bank | $175,000 | n/a | 0.1% | |
| TruHome Solutions, LLC | $175,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $385,000 | $165,000 | -57.1% | 0.1% |
| GEORGIA'S OWN | $155,000 | n/a | 0.1% | |
| The Huntington National Bank | $430,000 | $155,000 | -64.0% | 0.1% |
| CoreFirst Bank & Trust | $135,000 | n/a | 0.1% | |
| FIDELIS CATHOLIC | $125,000 | n/a | 0.1% | |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $100,000 | $120,000 | 20.0% | 0.1% |
| Figure Lending LLC | $80,000 | $120,000 | 50.0% | 0.1% |
| Discover Bank | $375,000 | $115,000 | -69.3% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $105,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $610,000 | $90,000 | -85.2% | 0.1% |
| PNC Bank | $180,000 | $85,000 | -52.8% | 0.1% |
| 21ST MORTGAGE CORPORATION | $75,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $65,000 | n/a | 0.0% | |
| KeyBank | $55,000 | n/a | 0.0% | |
| Blue Federal Credit Union | $45,000 | n/a | 0.0% | |
| PREMIER MEMBERS CREDIT UNION | $25,000 | n/a | 0.0% | |
| Weld Schools Credit Union | $150,000 | $25,000 | -83.3% | 0.0% |
Fort Morgan's top lender by overall market share is Bank of Colorado, with 12.7% market share. In second place, with 11.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $18,050,000 in loans. In third place, with 4.9%, is QUICKEN LOANS, LLC, having originated $7,425,000 in loans. In fourth place, with 4.4%, is GUILD MORTGAGE COMPANY, having originated $6,680,000 in loans. In fifth place, with 3.6%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $5,475,000 in loans.
Fort Morgan, CO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 365 | $113,945,000 | $312,178 |
| Cash Out Refi | 89 | $19,225,000 | $216,011 |
| Refi | 47 | $12,565,000 | $267,340 |
| Other | 46 | $3,020,000 | $65,652 |
| Home Improvement | 38 | $3,250,000 | $85,526 |
Fort Morgan's most frequently cited loan purpose was Home Purchase, with 365 originations. The 2nd most popular reason was Cash Out Refi, with 89 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 231 | $71,595,000 | $309,935 |
| Over 8% | 101 | $11,435,000 | $113,218 |
| 7-8% | 98 | $31,170,000 | $318,061 |
| 5-6% | 84 | $27,930,000 | $332,500 |
| <2.5% | 32 | $480,000 | $15,000 |
| 4-5% | 7 | $2,505,000 | $357,857 |
During 2024, Fort Morgan's most frequently originated rate bucket was 6-7%, with 231 originations.
Loan Sizing (Fort Morgan, CO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 277 | $82,855,000 | $299,116 |
| $100,000 or less | 124 | $5,340,000 | $43,065 |
| $400k-600k | 95 | $44,185,000 | $465,105 |
| $100k-200k | 78 | $11,300,000 | $144,872 |
| $600k-1000k | 10 | $6,980,000 | $698,000 |
| $Over $1MM | 1 | $1,345,000 | $1,345,000 |
Fort Morgan's loan sizing saw the bucket of loans from $200k-400k with 277 originations, totaling $82,855,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 290 | $100,470,000 | $346,448 |
| Under 20% | 103 | $4,825,000 | $46,845 |
| 60-80% | 83 | $24,415,000 | $294,157 |
| 20-40% | 38 | $4,380,000 | $115,263 |
| 40-60% | 31 | $6,685,000 | $215,645 |
| Over 100% | 5 | $2,065,000 | $413,000 |
Fort Morgan's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 290 originations, totaling $100,470,000 in origination value.