Who has the best mortgage rates in Colorado?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders with low rates in CO
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
| Lender | Lender fees |
|---|
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders in CO likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 72 lenders and found that these lenders are likely to offer you a high rate.
| Lender | Lender fees |
|---|
Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.
George Robinson TrueRate Data ScientistLenders with average rates in CO
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights
Insights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
In Colorado, the housing market offers a mix of excitement and opportunity
Interest rates have continued to decline throughout 2024 and are expected to improve even further in 2025. For anyone who has been waiting for the right time to buy a home, the outlook is becoming increasingly favorable. Lower interest rates mean more affordable monthly mortgage payments, bringing homeownership in the Centennial State within reach for many buyers.
Colorado offers a variety of housing options, depending on your lifestyle and budget. Cities like Denver and Boulder are known for their beautiful scenery, vibrant tech scene, and active outdoor culture. However, these popular areas tend to come with higher price tags and more competition. For those willing to look beyond the big cities, communities such as Colorado Springs, Fort Collins, and other smaller towns still offer access to stunning mountain views—along with more space and greater affordability.
First-time homebuyers in Colorado also have access to several helpful programs designed to ease the path to ownership. These may include down payment assistance and more favorable loan terms, making it possible to buy even in a competitive market.
One of Colorado’s biggest draws is its incredible natural beauty. Whether you’re into hiking, skiing, or simply enjoying the scenic mountain views, the state’s outdoor lifestyle is hard to match. With falling interest rates and thoughtful planning, now could be the perfect time to make your move and start building a life in this breathtaking part of the country.