Colorado VA Loan Rates, Closing Costs & Stats

Colorado

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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 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.

    Colorado VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Colorado averaged 6.48% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Colorado's average VA mortgage closing costs are $7,396.

    The average rate for the prior week (2025-03-28) was 6.3% and one month ago for the week of 2025-02-28, the average rate was 6.17%.

    The average rate one year ago was 6.58%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.77%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Colorado 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 Colorado level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 2,842 5.81% $8,390
    Mortgage Research Center, LLC 1,131 6.16% $7,502
    QUICKEN LOANS, LLC 672 5.89% $10,465
    FREEDOM MORTGAGE CORPORATION 596 5.99% $11,391
    GUARANTEED RATE, INC. 344 5.94% $7,023
    PENNYMAC LOAN SERVICES, LLC 342 5.63% $10,187
    MORTGAGE SOLUTIONS OF COLORADO, LLC 294 6.08% $8,477
    NAVY FEDERAL CREDIT UNION 287 5.82% $7,221
    LOANDEPOT.COM, LLC 255 5.75% $13,457
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 219 6.17% $9,326
    NEWREZ LLC 211 6.00% $10,115
    GUILD MORTGAGE COMPANY 210 6.12% $11,367
    VILLAGE CAPITAL MORTGAGE 208 5.71% $8,222
    Ent Credit Union 204 5.80% $8,106
    HOMEAMERICAN MORTGAGE CORPORATION 186 4.85% $5,716
    CROSSCOUNTRY MORTGAGE, LLC 180 6.23% $8,871
    MOVEMENT MORTGAGE, LLC 166 6.20% $12,884
    USAA Federal Savings Bank 164 6.20% $9,639
    NFM, INC. 163 6.06% $10,872
    CMG MORTGAGE, INC. 155 6.03% $11,256
    PLANET HOME LENDING, LLC 129 5.39% $7,382
    V.I.P. MORTGAGE, INC. 126 6.16% $9,434
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 123 6.35% $9,447
    EAGLE HOME MORTGAGE, LLC 123 4.55% $8,317
    BROKER SOLUTIONS, INC. 117 6.39% $13,384
    The Central Trust Bank 116 6.19% $11,043
    DHI MORTGAGE COMPANY, LTD. 106 4.95% $11,152
    LAKEVIEW LOAN SERVICING, LLC 104 5.63% $7,684
    The Federal Savings Bank 102 6.15% $21,478
    AMERICAN FINANCING CORPORATION 94 5.95% $16,350
    NEW DAY FINANCIAL, LLC 80 7.48% $16,566
    FLAT BRANCH MORTGAGE, INC. 72 6.02% $11,826
    INSPIRE HOME LOANS INC. 69 4.96% $9,608
    NEST HOME LENDING, LLC 68 5.18% $8,455
    NBH Bank 66 6.03% $7,203
    HOMESIDE FINANCIAL, LLC 66 6.09% $10,787
    Mr. Cooper ( Nationstar Mortgage ) 65 6.04% $12,867
    Paramount Residential Mortgage Group, Inc. 65 6.19% $10,971
    Plains Commerce Bank 63 6.05% $11,936
    The Loan Store, Inc. 63 6.01% $9,696
    SUN WEST MORTGAGE COMPANY, INC. 62 5.84% $10,231
    NBKC BANK 60 5.78% $5,758
    GUARANTEED RATE AFFINITY, LLC 57 5.95% $8,151
    CORNERSTONE HOME LENDING, INC. 55 4.83% $8,635
    BAY EQUITY LLC 54 6.22% $9,331
    Ixonia Bank 50 6.28% $12,049
    Century Mortgage Company DBA Century Lending Company 47 5.89% $9,066
    TOWNE MORTGAGE COMPANY 44 6.19% $10,763
    MUTUAL OF OMAHA MORTGAGE, INC. 43 6.11% $15,788
    CLEARPATH LENDING 43 5.69% $9,425
    GROUP MORTGAGE, LLC 42 6.14% $8,754
    Equity Prime Mortgage LLC 39 6.65% $12,625
    HUNT MORTGAGE CORPORATION 38 5.82% $9,810
    PLAZA HOME MORTGAGE, INC. 37 5.94% $12,501
    KBHS HOME LOANS, LLC 35 5.00% $7,685
    ZILLOW HOME LOANS, LLC 35 5.94% $8,929
    UNION HOME MORTGAGE CORP. 35 6.05% $8,993
    South Pacific Financial Corporation 34 5.54% $8,004
    Elevations Credit Union 33 6.23% $10,334
    AMERICAN PACIFIC MORTGAGE CORPORATION 33 6.06% $17,191
    Armed Forces Bank 33 5.88% $8,455
    First Federal Bank 33 5.74% $6,574
    Carrington Mortgage Services, LLC 30 6.14% $13,808
    PENTAGON FEDERAL CREDIT UNION 30 5.81% $11,837
    S1L, Inc. 30 6.05% $11,564
    First Western Trust Bank 29 6.16% $6,844
    Keystone Funding, Inc. 29 5.81% $10,256
    Magnolia Bank 28 5.93% $21,281
    U.S. Bank 28 5.86% $11,659
    American Mortgage & Equity Consultants, Inc. 28 6.45% $12,678
    JET HOMELOANS, LLC 26 5.55% $9,931
    Northpointe Bank 25 5.89% $6,211
    PRIMARY RESIDENTIAL MORTGAGE, INC. 25 6.28% $10,106
    PHH Mortgage Corporation 24 5.55% $7,480
    Flagstar Bank, FSB 23 5.96% $10,875
    CARDINAL FINANCIAL 22 6.50% $13,817
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 22 5.86% $15,660
    SWBC MORTGAGE CORPORATION 21 6.43% $7,035
    TBI MORTGAGE COMPANY 21 6.02% $4,434
    PRIMELENDING, A PLAINSCAPITAL COMPANY 21 6.17% $12,358
    LOANPAL, LLC 21 5.69% $14,127
    Lakeview Community Capital, LLC 20 5.67% $6,197
    JPMorgan Chase Bank 20 6.24% $6,352
    NOVA FINANCIAL & INVESTMENT CORPORATION 19 6.36% $7,219
    INTEGRITY MORTGAGE & FINANCIAL INCORPORATED 19 6.07% $11,355
    Cornerstone First Mortgage, Inc 18 6.19% $14,023
    INTERCAP LENDING INC. 18 6.67% $7,420
    MASON MCDUFFIE MORTGAGE CORPORATION 17 6.38% $13,838
    Barrington Bank & Trust Company, N.A. 17 6.15% $8,062
    EVERETT FINANCIAL, INC. 17 5.95% $19,049
    Summit Mortgage Corporation 17 6.25% $8,502
    SECURITYNATIONAL MORTGAGE COMPANY 17 6.51% $15,094
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 16 6.35% $10,023
    The Huntington National Bank 15 6.03% $10,054
    PULTE MORTGAGE LLC 15 5.33% $7,320
    MEGASTAR FINANCIAL CORP. 15 6.07% $8,984
    Sunflower Bank 15 5.98% $7,850
    AMERICAN FINANCIAL NETWORK, INC. 14 6.31% $7,716
    PRIORITY HOME MORTGAGE, L.P. 14 5.13% $8,293
    VERITAS FUNDING, LLC 13 6.38% $23,061
    Prosperity Home Mortgage, LLC 13 6.22% $12,045
    Gateway First Bank 12 6.06% $9,311
    CANOPY MORTGAGE, LLC 12 6.08% $10,941
    HOMEBRIDGE FINANCIAL SERVICES, INC. 12 6.29% $15,947
    LEADERONE FINANCIAL CORPORATION 11 6.50% $14,859
    NATIONS RELIABLE LENDING, LLC 11 6.26% $8,295
    THE MORTGAGE COMPANY 11 6.64% $11,404
    AMERISAVE MORTGAGE CORPORATION 11 5.78% $23,808
    Wells Fargo Bank 11 6.40% $10,275
    Nations Lending Corporation 11 6.14% $9,152
    T2 FINANCIAL LLC 10 6.43% $13,800
    Bank of Colorado 10 6.01% $6,291
    AMERICAN FINANCIAL RESOURCES, INC. 9 6.22% $11,408
    SUMMIT FUNDING, INC. 9 6.50% $11,099
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 8 6.34% $15,613
    GoPrime Mortgage, Inc. 8 6.06% $9,176
    Shea Mortgage Inc. 8 6.01% $4,814
    FIRST COLONY MORTGAGE CORPORATION 7 6.14% $6,397
    Bell Bank 7 6.25% $8,634
    GENEVA FINANCIAL, LLC 7 6.39% $13,437
    Bank of England 7 6.43% $13,166
    ALLIED MORTGAGE GROUP, INC. 7 6.54% $9,160
    SUCCESS MORTGAGE PARTNERS, INC. 7 6.57% $12,196
    AmeriHome Mortgage Company, LLC 6 5.93% $7,872
    Ameris Bank 6 5.81% $8,048
    Sierra Pacific Mortgage Company, Inc. 5 6.10% $8,062
    Servion, Inc. 5 6.60% $13,928
    Mid-Continent Funding, Inc. 5 5.92% $10,583
    Waterstone Mortgage Corporation 5 6.85% $20,196
    SOUTHWEST FUNDING, LP 5 6.15% $4,635
    Independent Bank 5 5.73% $9,414
    CHURCHILL MORTGAGE CORPORATION 5 6.25% $16,901
    NORWICH COMMERCIAL GROUP, INC. 5 6.35% $6,542
    BOKF 5 6.55% $11,315
    HOMEOWNERS FINANCIAL GROUP USA, LLC 5 5.63% $13,340
    NETWORK CAPITAL FUNDING CORPORATION 5 6.13% $13,103
    DAS Acquisition Company, LLC 5 5.93% $8,216
    UNITED MORTGAGE CORP 5 6.20% $13,336
    NATIONS DIRECT MORTGAGE, LLC 5 5.85% $11,633
    FIRST MORTGAGE COMPANY, INC. 5 6.20% $7,317
    PREMIER MORTGAGE SERVICES, INC. 4 6.06% $8,493
    Alpine Bank 4 6.09% $6,320
    FBC MORTGAGE, LLC 4 5.24% $9,241
    Flanagan State Bank 4 6.41% $4,722
    Franklin Loan Corporation 4 5.97% $7,172
    Granite Community Bank 4 5.91% $6,290
    LADERA LENDING, INC. 4 6.03% $18,879
    MICHIGAN MUTUAL, INC. 4 6.16% $4,092
    Midwest Mortgage Associates Corporation 4 5.72% $3,561
    MORTGAGEONE, INC. 4 6.94% $859
    Peak Financial 4 5.62% $9,883
    WESTERRA CREDIT UNION 4 6.75% $7,841
    SOUTHERN LENDING SERVICES, LTD. 3 5.83% $6,052
    PREMIA MORTGAGE, LLC 3 5.73% $4,819
    ON Q FINANCIAL, INC. 3 6.33% $15,103
    Strong Home Mortgage, LLC 3 5.74% $6,161
    Credence Funding Corporation 3 5.96% $4,856
    Loan Simple, Inc. 3 5.96% $13,251
    Commerce Home Mortgage, Inc. 3 6.58% $6,348
    CITY FIRST MORTGAGE SERVICES, L.L.C. 3 6.21% $10,159
    Towne Bank 3 6.42% $11,649
    BETTER MORTGAGE CORPORATION 3 5.46% $12,636
    J. VIRGIL, INC. 3 6.96% $4,462
    OCMBC, INC. 3 5.75% $7,544
    AXIA FINANCIAL, LLC 3 6.46% $9,427
    Financial Funding Solutions, Inc. 3 5.92% $9,053
    Network Funding, L.P. 3 6.13% $17,362
    PNC Bank 3 6.92% $2,307
    ENVOY MORTGAGE, LTD 3 6.33% $15,130
    CASTLE & COOKE MORTGAGE, LLC 2 6.87% $15,218
    FIRST COMMUNITY MORTGAGE, INC. 2 6.49% $5,711
    INTELLILOAN, INC. 2 6.25% $4,266
    HOMEXPRESS MORTGAGE CORP. 2 6.50% $12,300
    Hometown Equity Mortgage, LLC 2 6.63% $14,495
    TOP FLITE FINANCIAL, INC. 2 6.94% $22,628
    GARDNER FINANCIAL SERVICES, LTD. 2 6.38% $25,033
    PLUS RELOCATION MORTGAGE, LLC 2 6.25% $20,761
    KeyBank 2 5.69% $9,812
    BAY-VALLEY MORTGAGE GROUP 2 5.75% $19,453
    Wallick & Volk, Inc. 2 6.19% $6,440
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.88% $12,628
    MID AMERICA MORTGAGE, INC. 2 5.94% $14,074
    UNIVERSAL LENDING CORPORATION 2 5.31% $6,723
    EMM LOANS LLC 2 6.63% $26,023
    DIRECT MORTGAGE, CORP. 2 6.69% $26,308
    ALAMEDA MORTGAGE CORPORATION 2 6.81% $6,236
    SeaTrust Mortgage Company 2 6.31% $6,713
    M2 Lending Solutions, LLC 2 6.44% $14,694
    AIR ACADEMY 2 5.88% $2,969
    First National Bank of Omaha 2 6.06% $5,499
    CITYWIDE HOME LOANS, LLC 2 6.18% $13,572
    Texana Bank 2 6.81% $25,671
    Zions Bank 2 5.88% $13,087
    INTERCOASTAL MORTGAGE COMPANY 2 6.75% $16,033
    North American Savings Bank, F.S.B. 2 5.81% $3,910
    CENTENNIAL LENDING, LLC 1 5.63% $9,846
    BROOKHOLLOW MORTGAGE SERVICES, LTD 1 5.25% $25,150
    The Union Bank Company 1 5.75% $4,914
    THOMPSON KANE & COMPANY, LLC 1 6.13% $4,078
    TJC Mortgage, Inc. 1 5.50% $5,417
    UMB Bank 1 6.50% $2,963
    Bank of America 1 6.75% $5,936
    BancorpSouth 1 6.63% $17,495
    Atlantic Coast Mortgage, LLC 1 6.25% $9,847
    US MORTGAGE CORPORATION 1 6.00% $41,053
    Arvest Bank 1 6.50% $15,501
    ALTITUDE FINANCIAL CORPORATION 1 5.75% $9,789
    ALLIANT CREDIT UNION 1 6.13% $2,454
    Watermark Capital, Inc. 1 6.75% $8,778
    MORIA DEVELOPMENT, INC. 1 6.25% $8,849
    MLB RESIDENTIAL LENDING, LLC 1 6.25% $5,003
    Merchants & Marine Bank 1 5.25% $1,435
    LOANFLIGHT LENDING, LLC 1 5.13% $19,543
    LIBERTY HOME MORTGAGE CORPORATION 1 6.75% $15,899
    LENOX FINANCIAL MORTGAGE CORPORATION 1 6.50% $2,449
    Jonah Bank of Wyoming 1 6.13% $9,401
    JMAC LENDING, INC. 1 5.63% $14,365
    NP, Inc. 1 6.63% $29,152
    OceanFirst Bank 1 5.75% $2,686
    Old National Bank 1 5.50% $6,038
    OPEN MORTGAGE, LLC 1 5.75% $7,372
    Opportunity Bank of Montana 1 5.38% $15,089
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.50% $19,698
    HOMESTEAD FUNDING CORP. 1 6.13% $6,346
    Adams Bank & Trust 1 7.25% $3,974
    HomePromise Corporation 1 7.13% $20,340
    GSF Mortgage Corporation 1 6.12% $22,705
    GREENSTATE CREDIT UNION 1 5.75% $4,157
    Pinnacle Bank 1 6.75% $12,232
    Glacier Bank 1 5.63% $10,612
    GERSHMAN INVESTMENT CORP. 1 5.63% $1,424
    Academy Bank 1 6.25% $2,261
    First United Bank and Trust Company 1 5.50% $12,524
    First State Bank of St. Charles, Missouri 1 6.13% $13,958
    First Heritage Mortgage, LLC 1 6.00% $3,429
    First Federal Bank, A FSB 1 6.63% $6,755
    RANLIFE, INC. 1 6.63% $8,333
    RELIANCE FIRST CAPITAL, LLC 1 6.50% $11,475
    RESIDENTIAL MORTGAGE, LLC 1 6.63% $15,472
    First-Citizens Bank & Trust Company 1 6.00% $4,918
    RUOFF MORTGAGE COMPANY, INC. 1 5.75% $19,167
    FirstBank 1 5.75% $3,115
    Service Federal Credit Union 1 5.63% $3,281
    Fifth Third Bank 1 6.25% $3,855
    SFMC, LP 1 5.75% $17,212
    Evolve Bank & Trust 1 6.75% $16,467
    ENDEAVOR CAPITAL, LLC. 1 5.75% $8,085
    ENCORE BANK 1 6.63% $0
    Stride Bank 1 6.63% $20,034
    CONTOUR MORTGAGE CORPORATION 1 7.13% $13,432
    COMPASS MORTGAGE, INC. 1 6.25% $14,055
    Commerce Bank 1 6.63% $7,581
    Citizens Bank 1 6.38% $26,303

    The top Colorado VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 2,842 VA loans originated. Their average total fees are $8,390, which is $889 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Colorado VA lenders (with over 10 loans originated) are TBI MORTGAGE COMPANY ($4,434), HOMEAMERICAN MORTGAGE CORPORATION ($5,716), NBKC BANK ($5,758), Lakeview Community Capital, LLC ($6,197) and Northpointe Bank ($6,211).

    The lowest rate Colorado VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.55%), CORNERSTONE HOME LENDING, INC. (4.83%), HOMEAMERICAN MORTGAGE CORPORATION (4.85%), DHI MORTGAGE COMPANY, LTD. (4.95%) and INSPIRE HOME LOANS INC. (4.96%).

    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.