Mortgage lending in Clear Creek County
309 mortgages were originated in Clear Creek County, Colorado, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 309
- Median rate
- 6.625%
- Median lender fees
- $5,282
- Median loan amount
- $385,000
- Median spread over APOR
- 0.164
- Paid discount points
- 43%
- Received lender credits
- 27.5%
- Purchases / refinances
- 51.5% / 34%
- Conventional / FHA / VA
- 83.8% / 8.7% / 7.4%
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 75.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $862,500
- FHA limit
- $862,500
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