Colorado Mortgage Rates Today
Here is your quote for a as in with a purchase price of and .
Rate/APR
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Rate/APR
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- -Lender fees
- $0 guaranteed
- -Cost to buy a lower rate
- $4,695
- -Other closing costs
- $8,000-$12,000
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| Lender | Rate range* | Est. fee range‡ | Customer reviews |
|---|---|---|---|
| Tomo Mortgage | 6.94% – 7.24% | $0 | Highly rated |
| First Western Trust Bank | 6.94% – 7.24% | $0 – $1145 | Limited reviews |
| GreenState Credit Union | 6.94% – 7.24% | $600 | Below average |
| FirstBank | 6.94% – 7.24% | $850 | Below average |
| AimLoan | 6.94% – 7.24% | $995 | Mixed reviews |
| PenFed Credit Union | 6.94% – 7.24% | $995 | Average |
| Alerus Financial NA | 7.24% – 7.51% | $1190 | — |
| Alpine Bank | 7.24% – 7.51% | $1150 | — |
| American Financing Corporation | 7.24% – 7.51% | $1763 | — |
| American Pacific Mortgage Corp | 7.24% – 7.51% | $1690 | — |
| Benchmark Mortgage | 7.24% – 7.51% | $1095 | — |
| Arvest Bank | 7.24% – 7.51% | $1095 | — |
| Bank of Colorado | 7.24% – 7.51% | $1465 | — |
| Bank of England | 7.24% – 7.51% | $1339 | — |
| Bell Bank | 7.24% – 7.51% | $1095 | — |
| BOK Financial (BOKF, NA) | 7.24% – 7.51% | $1165 | — |
| CalCon Mutual Mortgage LLC | 7.24% – 7.51% | $2560 | — |
| CMG Mortgage Inc. | 7.24% – 7.51% | $1485 | — |
| Commerce Bank | 7.24% – 7.51% | $800 | — |
| Compass Mortgage, Inc. | 7.24% – 7.51% | $1549 | — |
| CrossCountry Mortgage, LLC | 7.24% – 7.51% | $1490 | — |
| DAS Acquisition Company, LLC | 7.24% – 7.51% | $1395 | — |
| Diamond Residential Mortgage Corp | 7.24% – 7.51% | $1175 | — |
| Digital Federal Credit Union | 7.24% – 7.51% | $695 | — |
| Elevation Credit Union | 7.24% – 7.51% | $950 | — |
| Fairway Independent Mortgage Corp | 7.24% – 7.51% | $1595 | — |
| FBC Mortgage, LLC | 7.24% – 7.51% | $1295 | — |
| First International Bank & Trust | 7.24% – 7.51% | $695 | — |
| First Interstate Bank | 7.24% – 7.51% | $995 | — |
| First National Bank of Omaha | 7.24% – 7.51% | $1195 | — |
| First United Bank and Trust Company | 7.24% – 7.51% | $1195 | — |
| Franklin Loan Center | 7.24% – 7.51% | $1720 | — |
| Gateway First Bank | 7.24% – 7.51% | $1135 | — |
| Gold Star Mortgage Financial Group | 7.24% – 7.51% | $1250 | — |
| Guaranteed Rate Affinity, LLC | 7.24% – 7.51% | $1440 | — |
| Guaranteed Rate, Inc. | 7.24% – 7.51% | $1440 | — |
| Highlands Residential Mortgage | 7.24% – 7.51% | $1750 | — |
| Homeside Financial, LLC | 7.24% – 7.51% | $1365 | — |
| Homestead Funding Corp. | 7.24% – 7.51% | $895 | — |
| Huntington National Bank | 7.24% – 7.51% | $1088 | — |
| Intercap Lending Inc. | 7.24% – 7.51% | $1588 | — |
| Ixonia Bank | 7.24% – 7.51% | $1625 | — |
| LeaderOne Financial Corp. | 7.24% – 7.51% | $1446 | — |
| LoanSimple | 7.24% – 7.51% | $2026 | — |
| LoanPeople LLC | 7.24% – 7.51% | $1790 | — |
| Mason-McDuffie Mortgage Corporation | 7.24% – 7.51% | $1390 | — |
| Mortgage300 Corporation | 7.24% – 7.51% | $1990 | — |
| Mutual of Omaha Mortgage | 7.24% – 7.51% | $1300 | — |
| Nations Lending Corporation | 7.24% – 7.51% | $1495 | — |
| Nations Reliable Lending LLC | 7.24% – 7.51% | $1780 | — |
| NBH Bank | 7.24% – 7.51% | $995 | — |
| NFM, Inc | 7.24% – 7.51% | $1735 | — |
| Northpointe Bank | 7.24% – 7.51% | $1205 | — |
| On Q Financial, Inc. | 7.24% – 7.51% | $1395 | — |
| Planet Home Lending, LLC | 7.24% – 7.51% | $1590 | — |
| PrimeLending | 7.24% – 7.51% | $1385 | — |
| Princeton Mortgage Corporation | 7.24% – 7.51% | $1395 | — |
| Priority Home Mortgage, L.P. | 7.24% – 7.51% | $0 – $1720 | — |
| Proper Rate, LLC | 7.24% – 7.51% | $1440 | — |
| Residential Wholesale Mortgage | 7.24% – 7.51% | $1590 | — |
| Success Mortgage Partners, Inc | 7.24% – 7.51% | $1430 | — |
| Summit Funding, Inc | 7.24% – 7.51% | $1694 | — |
| Summit Mortgage Corporation | 7.24% – 7.51% | $1395 | — |
| Sunflower Bank, N.A. | 7.24% – 7.51% | $1395 | — |
| SWBC Mortgage Corporation | 7.24% – 7.51% | $895 | — |
| Synergy One Lending | 7.24% – 7.51% | $1590 | — |
| The Federal Savings Bank | 7.24% – 7.51% | $1498 | — |
| V.I.P. Mortgage, Inc. | 7.24% – 7.51% | $1750 | — |
| Van Dyk Mortgage Corporation | 7.24% – 7.51% | $1495 | — |
| Watermark Capital, Inc. | 7.24% – 7.51% | $1499 | — |
| Waterstone Mortgage Corporation | 7.24% – 7.51% | $1623 | — |
| Mortgage Solutions of Colorado | 7.51% – 7.67% | $1565 | Mixed reviews |
*Lenders shown are those that TrueRate®, a Tomo Mortgage tool, estimates are likely to offer low rates in Colorado. Estimates are based on rate lock data from the last three years for 30-year fixed-rate conventional conforming purchase loans on primary residences, with FICO scores of 620–850 and LTVs up to 97%. These are historical locked rates, not current offers. Your rate will depend on factors such as credit score, loan-to-value ratio, loan amount, points paid, and market conditions.
‡ Fee estimates use 2024 HMDA loan data and Federal Reserve Bank of Philadelphia methodology, with adjustments for incomplete data; actual fees may vary. Tomo Mortgage charges no lender fees on purchase or refinance loans; third-party costs still apply.
Today's Colorado mortgage rates
Colorado lenders' average 30-year fixed interest rate ranged from 7.24% – 7.51% as of October 28, 2026, according to TrueRate. Nationally, Freddie Mac's 30-year fixed average was 7.40% as of October 15, 2026, unchanged from 7.40% the week before and 6.27% a year earlier (Freddie Mac PMMS).
Why Colorado rates look different from site to site
Each source measures a different borrower and a different price, so their Colorado numbers won't match even on the same day. Before you hold any rate up against your quote, check whose rate it is, which borrower it assumes, and whether it includes discount points.
Freddie Mac PMMS is a national average, not a Colorado one. It comes from thousands of applications for conventional purchase loans within conforming limits, from borrowers with good to excellent credit (Freddie Mac).
TrueRate by Tomo Mortgage compares lenders at their zero-point (par) rate, and its Colorado lender ranges draw on real rates given to home buyers over the last three years (TrueRate methodology).
Advertised rates can include discount points, which are prepaid interest paid at closing to lower the rate. A rate with points isn't comparable to a zero-point quote.
How to check whether your quote is a good rate
Ask for your quote at zero discount points, then compare it with TrueRate's range for your loan details on the same day. If your rate sits above that range, you have a concrete reason to ask the lender to improve it or to get another quote.
Get Loan Estimates from two or three lenders on the same day. Rates move daily, and the Loan Estimate is a standard federal form, so the numbers line up. See what to check on a Loan Estimate.
Match the terms. Compare the same loan type, term, lock length, and number of discount points.
Compare the interest rate and the APR separately. The interest rate sets your principal-and-interest payment. The APR folds in certain lender charges, so two quotes with the same rate can have different APRs.
Check Section A, Origination Charges. That's where points and origination fees appear.
Get pre-approved with Tomo Mortgage
Get startedWhat a rate difference costs on a Colorado-priced home
On a typical Colorado purchase, each quarter point of interest rate changes the monthly principal-and-interest payment by about $74. Here's the math, using Colorado's statewide median sale price of $540,000 in September 2026 (Colorado Association of REALTORS®).
- Loan amount after a 20% down payment: $432,000, repaid over 30 years (360 payments).
- At a 7.40% interest rate (Freddie Mac's national average as of October 15, 2026): $2,991.08 a month in principal and interest.
- At 7.65%: $3,065.10 a month, which is $74.02 more, or about $26,648 over all 360 payments.
(This illustrates principal and interest only and isn't an offer of credit. It excludes property taxes, homeowners insurance, and mortgage insurance, and assumes no points or fees.)
Colorado loans run larger than the national norm, which makes each rate difference cost more. The average home-purchase loan originated in Colorado in 2025 was $511,357, compared with $404,190 nationally (HMDA data; mean of all originated purchase loans). Estimate your own budget with our mortgage affordability calculator.
Colorado closing costs and how long closing takes
Colorado's government charges at closing are small, so most of your closing costs will come from the lender charges and third-party services on your Loan Estimate. Here are the Colorado-specific items.
State documentary fee:
1 cent per $100 of the sale price, or $54 on a $540,000 home; no fee applies at $500 or less (C.R.S. 39-13-102). Colorado has no statewide real estate transfer tax beyond this fee (Colorado Fiscal Institute).
County recording fee:
A flat $43 per recorded document since July 1, 2025 (El Paso County Clerk and Recorder).
Municipal transfer taxes:
Some mountain towns charge their own. If you're buying in one, ask your title company whether a town transfer tax applies.
Tomo Mortgage's Colorado purchase loans close in 29 days on average. (Source: Tomo Mortgage, conventional loans measured across the last 12 months, measured as of October 2026).
Property taxes and homeowners insurance in Colorado
Principal and interest is only part of your monthly housing cost; property taxes and homeowners insurance come on top. Colorado homeowners insurance rates rose 100% from 2018 to 2024, compared with 58% nationally, and hail accounts for 26% to 54% of Coloradans' premiums (Office of Gov. Jared Polis).
Property tax:
For tax year 2025, homes are assessed at 7.05% of actual value for school district taxes and 6.25% for other local governments. Your bill then depends on the mill levies where the home sits (Jefferson County Assessor).
Insurance:
If the home is in a wildfire-prone area, get a quote before you make an offer. If private coverage isn't available, Colorado's FAIR Plan offers limited coverage (Colorado Division of Insurance).
Colorado mortgage rate FAQs
As of October 28, 2026, the average interest rate on a 30-year fixed conventional mortgage from Colorado lenders ranged from 7.24% – 7.51%, according to TrueRate. Your own rate depends on your credit score, loan amount, down payment, loan type, and the number of discount points you pay.
The 2026 conforming loan limit for a one-unit home in Denver County is $862,500, according to FHFA. The same limit applies in Adams, Arapahoe, Broomfield, Clear Creek, Douglas, Elbert, Gilpin, Jefferson, and Park counties.
Colorado has no statewide real estate transfer tax. It charges a state documentary fee of 1 cent per $100 of the sale price, which is $54 on a $540,000 home. Some mountain towns charge their own transfer tax, so ask your title company whether one applies.
Tomo Mortgage's Colorado purchase loans have closed in 29 days on average compared to the 45 day industry average.