Mortgage lending in Boulder County
6,821 mortgages were originated in Boulder 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
- 6,821
- Median rate
- 6.625%
- Median lender fees
- $4,231
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
- $415,000
- Above the going rate (spread over APOR)
- 0.140
- Paid discount points
- 29.4%
- Received lender credits
- 30%
- Purchases / refinances
- 49.4% / 36.5%
- Conventional / FHA / VA
- 92.1% / 4.5% / 3.3%
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 68% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $879,750
- FHA limit
- $879,750
- Median home price
- $765,000
- That home, 20% down
- $612,000
A median-priced home with 20% down leaves $267,750 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 Boulder County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Elevations | 1,092 | $3,308 | 7.240% |
| United Shore Financial Services, LLC | 715 | $5,420 | 6.453% |
| Rocket Mortgage, LLC | 291 | $3,864 | 6.625% |
| Guild Mortgage Company | 209 | $4,162 | 6.625% |
| CMG Mortgage, Inc. | 204 | $4,379 | 6.500% |
| FirstBank | 197 | $3,440 | 7.000% |
| JPMorgan Chase Bank, National Association | 149 | $3,524 | 6.375% |
| Premier Members Credit Union | 146 | — | 8.000% |
| Crosscountry Mortgage, Inc. | 132 | $4,469 | 6.575% |
| Pennymac Loan Services, LLC | 130 | $4,930 | 6.433% |
What lenders charged here
Lender fees on a $415,000 loan, based on what was actually charged in Boulder County — not a rule of thumb.
From 4,640 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