Glenwood Springs Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Glenwood Springs averaged
6.44%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.94% and
one month ago for the week of 2025-05-29, the
average rate was 6.96%.
Glenwood Springs's average rate one year ago was 6.63%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.79%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Glenwood Springs 30 Year Fixed Rate | 2025-07-03 | 6.44% |
| Glenwood Springs 30 Year Fixed Rate Refi | 2025-07-03 | 6.79% |
| Glenwood Springs 15 Year Fixed Rate | 2025-07-03 | 6% |
| Glenwood Springs 15 Year Fixed Rate Refi | 2025-07-03 | 6.4% |
| Glenwood Springs 30 Year FHA | 2025-07-03 | -0.16% |
| Glenwood Springs 30 Year FHA Refi | 2025-07-03 | -0.1% |
| Glenwood Springs 30 Year USDA | 2025-07-03 | 0% |
| Glenwood Springs 30 Year USDA Refi | 2025-07-03 | 0% |
| Glenwood Springs 30 Year VA | 2025-07-03 | 0% |
| Glenwood Springs 30 Year VA Refi | 2025-07-03 | -0.2% |
Glenwood Springs 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 Glenwood Springs, 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.).
Glenwood Springs Average Closing Costs & Other Stats
Glenwood Springs, CO's 111 lenders originated 1,973
loans during 2024. The total origination value was $1,820,125,000, with an average loan value of
$922,516.
Glenwood Springs's average closing costs are $6,154.
The top Glenwood Springs lender as defined by loan originations is BAY EQUITY LLC, with
136 loans originated. Their average total fees are
$5,195, which is $1,832
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Glenwood Springs lenders (with over 10 loans originated) are
FirstBank ($4,650), Alpine Bank ($4,917), ANB Bank ($5,187), BAY EQUITY LLC ($5,195) and First Western Trust Bank ($5,553).
The lowest rate Glenwood Springs lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.77%), FirstBank (6.13%), Wells Fargo Bank (6.18%), U.S. Bank (6.24%) and ANB Bank (6.31%).
Glenwood Springs, 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 |
|---|---|---|---|---|
| JPMorgan Chase Bank | $159,895,000 | $333,440,000 | 108.5% | 18.3% |
| Alpine Bank | $164,155,000 | $207,065,000 | 26.1% | 11.4% |
| Bank of America | $59,680,000 | $115,410,000 | 93.4% | 6.3% |
| Morgan Stanley Private Bank | $36,085,000 | $94,955,000 | 163.1% | 5.2% |
| BAY EQUITY LLC | $70,655,000 | $89,670,000 | 26.9% | 4.9% |
| FirstBank | $38,105,000 | $80,865,000 | 112.2% | 4.4% |
| ANB Bank | $53,595,000 | $73,095,000 | 36.4% | 4.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $31,590,000 | $67,170,000 | 112.6% | 3.7% |
| UMB Bank | $8,915,000 | $53,460,000 | 499.7% | 2.9% |
| Citibank | $96,870,000 | $35,670,000 | -63.2% | 2.0% |
| UBS Bank USA | $37,805,000 | $30,980,000 | -18.1% | 1.7% |
| Prudential Huntoon Paige Associates, LLC | $30,355,000 | n/a | 1.7% | |
| T2 FINANCIAL LLC | $29,730,000 | n/a | 1.6% | |
| Goldman Sachs Bank USA | $16,440,000 | $27,225,000 | 65.6% | 1.5% |
| BMO Harris Bank | $24,805,000 | $25,920,000 | 4.5% | 1.4% |
| U.S. Bank | $45,905,000 | $25,400,000 | -44.7% | 1.4% |
| Wells Fargo Bank | $48,100,000 | $24,895,000 | -48.2% | 1.4% |
| QUICKEN LOANS, LLC | $23,025,000 | $23,465,000 | 1.9% | 1.3% |
| The Central Trust Bank | $855,000 | $22,960,000 | 2,585.4% | 1.3% |
| Centier Bank | $55,000 | $17,605,000 | 31,909.1% | 1.0% |
| First Western Trust Bank | $16,710,000 | $15,830,000 | -5.3% | 0.9% |
| Bank of Colorado | $15,605,000 | $14,550,000 | -6.8% | 0.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $12,520,000 | $13,970,000 | 11.6% | 0.8% |
| Charles Schwab Bank, SSB | $4,110,000 | $13,950,000 | 239.4% | 0.8% |
| GUILD MORTGAGE COMPANY | $2,705,000 | $13,415,000 | 395.9% | 0.7% |
| Paramount Residential Mortgage Group, Inc. | $3,710,000 | $12,620,000 | 240.2% | 0.7% |
| Zions Bank | $12,070,000 | $10,245,000 | -15.1% | 0.6% |
| Truist | $11,905,000 | $8,505,000 | -28.6% | 0.5% |
| Axos Bank | $605,000 | $8,090,000 | 1,237.2% | 0.4% |
| NEWREZ LLC | $2,450,000 | $7,900,000 | 222.4% | 0.4% |
| The Northern Trust Company | $9,425,000 | $7,800,000 | -17.2% | 0.4% |
| MidFirst Bank | $10,105,000 | $7,315,000 | -27.6% | 0.4% |
| City National Bank of Florida | $1,825,000 | $7,260,000 | 297.8% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $790,000 | $7,130,000 | 802.5% | 0.4% |
| Oakstar Bank | $2,830,000 | $6,980,000 | 146.6% | 0.4% |
| BROKER SOLUTIONS, INC. | $1,095,000 | $6,610,000 | 503.7% | 0.4% |
| CORNERSTONE HOME LENDING, INC. | $10,030,000 | $6,015,000 | -40.0% | 0.3% |
| BAC Florida Bank | $5,925,000 | $5,240,000 | -11.6% | 0.3% |
| Citizens Bank | $10,205,000 | $5,075,000 | -50.3% | 0.3% |
| NBH Bank | $4,365,000 | $4,845,000 | 11.0% | 0.3% |
| Elevations Credit Union | $3,850,000 | $4,690,000 | 21.8% | 0.3% |
| Carrington Mortgage Services, LLC | $215,000 | $4,545,000 | 2,014.0% | 0.2% |
| City National Bank | $39,630,000 | $4,345,000 | -89.0% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,615,000 | $4,125,000 | 57.7% | 0.2% |
| PNC Bank | $10,725,000 | $4,070,000 | -62.1% | 0.2% |
| PlainsCapital Bank | $4,005,000 | n/a | 0.2% | |
| FREEDOM MORTGAGE CORPORATION | $405,000 | $3,830,000 | 845.7% | 0.2% |
| First-Citizens Bank & Trust Company | $18,225,000 | $3,735,000 | -79.5% | 0.2% |
| CANVAS CREDIT UNION | $1,905,000 | $3,680,000 | 93.2% | 0.2% |
| Mortgage Research Center, LLC | $1,625,000 | $3,440,000 | 111.7% | 0.2% |
| ServisFirst Bank | $3,405,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,970,000 | $3,225,000 | -35.1% | 0.2% |
| Prosperity Bank | $3,155,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $8,985,000 | $3,135,000 | -65.1% | 0.2% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $1,430,000 | $3,115,000 | 117.8% | 0.2% |
| Raymond James Bank | $3,040,000 | n/a | 0.2% | |
| SWBC MORTGAGE CORPORATION | $2,545,000 | $3,005,000 | 18.1% | 0.2% |
| BOKF | $1,415,000 | $2,805,000 | 98.2% | 0.2% |
| CMG MORTGAGE, INC. | $935,000 | $2,795,000 | 198.9% | 0.2% |
| Affiliated Bank | $2,755,000 | n/a | 0.2% | |
| S1L, Inc. | $2,695,000 | n/a | 0.1% | |
| PENNYMAC LOAN SERVICES, LLC | $3,505,000 | $2,685,000 | -23.4% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $2,585,000 | n/a | 0.1% | |
| Luxury Mortgage Corp. | $2,570,000 | n/a | 0.1% | |
| Ent Credit Union | $4,990,000 | $2,560,000 | -48.7% | 0.1% |
| ALLIANT CREDIT UNION | $205,000 | $2,545,000 | 1,141.5% | 0.1% |
| FirstBank | $38,105,000 | $2,505,000 | -93.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $9,060,000 | $2,500,000 | -72.4% | 0.1% |
| V.I.P. MORTGAGE, INC. | $1,220,000 | $2,495,000 | 104.5% | 0.1% |
| Stifel Bank and Trust | $1,550,000 | $2,430,000 | 56.8% | 0.1% |
| BNY Mellon | $985,000 | $2,410,000 | 144.7% | 0.1% |
| Merchants Capital Corp. | $2,325,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $705,000 | $2,290,000 | 224.8% | 0.1% |
| LOANDEPOT.COM, LLC | $905,000 | $2,245,000 | 148.1% | 0.1% |
| EVERETT FINANCIAL, INC. | $2,115,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $1,565,000 | $2,065,000 | 31.9% | 0.1% |
| The Huntington National Bank | $345,000 | $1,910,000 | 453.6% | 0.1% |
| FM Home Loans, LLC | $1,905,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,150,000 | $1,885,000 | 63.9% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $1,655,000 | $1,875,000 | 13.3% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,680,000 | $1,850,000 | 10.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $305,000 | $1,850,000 | 506.6% | 0.1% |
| Discover Bank | $645,000 | $1,780,000 | 176.0% | 0.1% |
| FIRST MORTGAGE COMPANY, INC. | $16,005,000 | $1,765,000 | -89.0% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $1,715,000 | n/a | 0.1% | |
| Johnson Bank | $1,520,000 | $1,705,000 | 12.2% | 0.1% |
| Northpointe Bank | $7,950,000 | $1,700,000 | -78.6% | 0.1% |
| BELLCO | $770,000 | $1,670,000 | 116.9% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,465,000 | $1,655,000 | 13.0% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $145,000 | $1,620,000 | 1,017.2% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $1,615,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $1,075,000 | $1,610,000 | 49.8% | 0.1% |
| NEXERA HOLDING LLC | $485,000 | $1,575,000 | 224.7% | 0.1% |
| OCMBC, INC. | $1,650,000 | $1,520,000 | -7.9% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $2,970,000 | $1,495,000 | -49.7% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $2,005,000 | $1,495,000 | -25.4% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $3,040,000 | $1,490,000 | -51.0% | 0.1% |
| KeyBank | $815,000 | $1,475,000 | 81.0% | 0.1% |
| NexBank | $1,355,000 | n/a | 0.1% | |
| Deutsche Bank Trust Company Americas | $1,805,000 | $1,265,000 | -29.9% | 0.1% |
| Republic Bank & Trust Company | $1,255,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $385,000 | $1,210,000 | 214.3% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $410,000 | $1,185,000 | 189.0% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,285,000 | $1,150,000 | -10.5% | 0.1% |
| First United Bank and Trust Company | $1,200,000 | $1,145,000 | -4.6% | 0.1% |
| Loan Simple, Inc. | $1,125,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $55,000 | $1,050,000 | 1,809.1% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $1,030,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,215,000 | $1,010,000 | -16.9% | 0.1% |
| The Loan Store, Inc. | $600,000 | $1,005,000 | 67.5% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $975,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $295,000 | $970,000 | 228.8% | 0.1% |
| Figure Lending LLC | $975,000 | $890,000 | -8.7% | 0.0% |
| Coastal Community Bank | $215,000 | $880,000 | 309.3% | 0.0% |
| CLIFFCO, INC. | $865,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $555,000 | $830,000 | 49.5% | 0.0% |
| NAVY FEDERAL CREDIT UNION | $740,000 | $805,000 | 8.8% | 0.0% |
| Pinnacle Bank | $555,000 | $805,000 | 45.0% | 0.0% |
| Broadway National Bank | $1,635,000 | $795,000 | -51.4% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,735,000 | $785,000 | -71.3% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $4,170,000 | $775,000 | -81.4% | 0.0% |
| Frontier Bank of Texas | $765,000 | n/a | 0.0% | |
| Union Bank and Trust Company | $765,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $275,000 | $725,000 | 163.6% | 0.0% |
| Commerce Home Mortgage, Inc. | $720,000 | n/a | 0.0% | |
| FUNDLOANS CAPITAL | $715,000 | n/a | 0.0% | |
| Network Funding, L.P. | $715,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $555,000 | $710,000 | 27.9% | 0.0% |
| PHH Mortgage Corporation | $700,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $1,190,000 | $695,000 | -41.6% | 0.0% |
| Ixonia Bank | $2,530,000 | $695,000 | -72.5% | 0.0% |
| Bank of England | $1,495,000 | $690,000 | -53.8% | 0.0% |
| Pinnacle Bank | $555,000 | $655,000 | 18.0% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $1,345,000 | $630,000 | -53.2% | 0.0% |
| SECURITY SERVICE | $1,385,000 | $620,000 | -55.2% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $760,000 | $615,000 | -19.1% | 0.0% |
| Plains Commerce Bank | $980,000 | $605,000 | -38.3% | 0.0% |
| Equity Prime Mortgage LLC | $600,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $590,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $580,000 | n/a | 0.0% | |
| Fifth Third Bank | $555,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $3,520,000 | $550,000 | -84.4% | 0.0% |
| SOUTHWEST FUNDING, LP | $550,000 | n/a | 0.0% | |
| GMFS LLC | $540,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $535,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $505,000 | n/a | 0.0% | |
| Frandsen Bank & Trust | $505,000 | n/a | 0.0% | |
| NBKC BANK | $505,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $505,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $495,000 | n/a | 0.0% | |
| Texana Bank | $495,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $495,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $465,000 | n/a | 0.0% | |
| GROUP MORTGAGE, LLC | $185,000 | $455,000 | 145.9% | 0.0% |
| Montgomery Bank | $455,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $425,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $425,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $25,000 | $415,000 | 1,560.0% | 0.0% |
| CHEVRON | $405,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $405,000 | n/a | 0.0% | |
| MOUNTAIN AMERICA | $610,000 | $405,000 | -33.6% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $385,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $385,000 | n/a | 0.0% | |
| THE MORTGAGE COMPANY | $380,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $350,000 | n/a | 0.0% | |
| Nations Lending Corporation | $435,000 | $345,000 | -20.7% | 0.0% |
| VERITAS FUNDING, LLC | $335,000 | n/a | 0.0% | |
| Sooper Credit Union | $90,000 | $330,000 | 266.7% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $305,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $590,000 | $305,000 | -48.3% | 0.0% |
| CARDINAL FINANCIAL | $255,000 | n/a | 0.0% | |
| LOANPAL, LLC | $220,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $215,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $210,000 | n/a | 0.0% | |
| Financial Partners Credit Union | $145,000 | $155,000 | 6.9% | 0.0% |
| COLORAMO | $340,000 | $140,000 | -58.8% | 0.0% |
| Blue Federal Credit Union | $105,000 | n/a | 0.0% | |
| Connexus Credit Union | $95,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $290,000 | $95,000 | -67.2% | 0.0% |
| WESTERRA CREDIT UNION | $125,000 | $95,000 | -24.0% | 0.0% |
| AIR ACADEMY | $85,000 | n/a | 0.0% | |
| Ally Bank | $285,000 | $75,000 | -73.7% | 0.0% |
| Independent Bank | $1,235,000 | $75,000 | -93.9% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $19,240,000 | $35,000 | -99.8% | 0.0% |
| PREMIER MEMBERS CREDIT UNION | $35,000 | n/a | 0.0% |
Glenwood Springs's top lender by overall market share is JPMorgan Chase Bank, with 18.3% market share. In second place, with 11.4%, is Alpine Bank, having originated $207,065,000 in loans. In third place, with 6.3%, is Bank of America, having originated $115,410,000 in loans. In fourth place, with 5.2%, is Morgan Stanley Private Bank, having originated $94,955,000 in loans. In fifth place, with 4.9%, is BAY EQUITY LLC, having originated $89,670,000 in loans.
Glenwood Springs, CO Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,063 | $1,038,425,000 | $976,881 |
| Refi | 307 | $262,985,000 | $856,629 |
| Home Improvement | 222 | $44,390,000 | $199,955 |
| Cash Out Refi | 191 | $279,435,000 | $1,463,010 |
| Other | 190 | $194,890,000 | $1,025,737 |
Glenwood Springs's most frequently cited loan purpose was Home Purchase, with 1,063 originations. The 2nd most popular reason was Refi, with 307 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 710 | $629,410,000 | $886,493 |
| Over 8% | 582 | $239,160,000 | $410,928 |
| 7-8% | 336 | $249,520,000 | $742,619 |
| 5-6% | 276 | $561,090,000 | $2,032,935 |
| <2.5% | 27 | $1,235,000 | $45,741 |
| 4-5% | 19 | $107,895,000 | $5,678,684 |
| 3-4% | 3 | $1,135,000 | $378,333 |
During 2024, Glenwood Springs's most frequently originated rate bucket was 6-7%, with 710 originations.
Loan Sizing (Glenwood Springs, CO MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 466 | $139,610,000 | $299,592 |
| $400k-600k | 389 | $187,525,000 | $482,069 |
| $100,000 or less | 314 | $16,690,000 | $53,153 |
| $Over $1MM | 292 | $1,274,580,000 | $4,365,000 |
| $100k-200k | 290 | $40,470,000 | $139,552 |
| $600k-1000k | 222 | $161,250,000 | $726,351 |
Glenwood Springs's loan sizing saw the bucket of loans from $200k-400k with 466 originations, totaling $139,610,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 502 | $119,080,000 | $237,211 |
| 80-100% | 481 | $355,555,000 | $739,200 |
| 60-80% | 461 | $677,785,000 | $1,470,249 |
| 20-40% | 272 | $211,510,000 | $777,610 |
| 40-60% | 218 | $411,380,000 | $1,887,064 |
| Over 100% | 13 | $7,385,000 | $568,077 |
Glenwood Springs's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 502 originations, totaling $119,080,000 in origination value.