Mortgage lending in Adams County
13,838 mortgages were originated in Adams County, Colorado, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 13,838
- Median rate
- 6.500%
- Median lender fees
- $7,087
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $365,000
- Above the going rate (spread over APOR)
- 0.140
- Paid discount points
- 42.2%
- Received lender credits
- 23.7%
- Purchases / refinances
- 57.5% / 26.8%
- Conventional / FHA / VA
- 70.3% / 22.3% / 7.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $862,500
- FHA limit
- $862,500
- Median home price
- $750,000
- That home, 20% down
- $600,000
A median-priced home with 20% down leaves $262,500 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Adams County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,582 | $9,692 | 6.125% |
| Rocket Mortgage, LLC | 719 | $4,584 | 6.611% |
| Bellco Credit Union | 394 | — | 8.000% |
| Guild Mortgage Company | 354 | $6,269 | 6.625% |
| Homeamerican Mortgage Corporation | 337 | $8,696 | 4.500% |
| Nest Home Lending, LLC | 319 | $10,614 | 5.490% |
| ENT Credit Union | 317 | $3,726 | 7.875% |
| Canvas Credit Union | 313 | — | 7.890% |
| Lennar Mortgage, LLC | 283 | $3,871 | 3.990% |
| Loandepot.Com, LLC | 276 | $8,403 | 5.625% |
What lenders charged here
Lender fees on a $365,000 loan, based on what was actually charged in Adams County — not a rule of thumb.
From 10,133 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers