Mortgage lending in Douglas County
13,022 mortgages were originated in Douglas 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
- 13,022
- Median rate
- 6.624%
- Median lender fees
- $4,466
- Median loan amount
- $475,000
- Median spread over APOR
- 0.074
- Paid discount points
- 37.5%
- Received lender credits
- 26.8%
- Purchases / refinances
- 50.7% / 29.9%
- Conventional / FHA / VA
- 85.6% / 7% / 7.3%
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 72.4% 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
Who lent here
Lenders with at least 50 loans in Douglas County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,679 | $7,159 | 6.125% |
| Rocket Mortgage, LLC | 756 | $3,662 | 6.500% |
| ENT Credit Union | 582 | $3,976 | 7.500% |
| BELLCO CREDIT UNION | 447 | — | 8.000% |
| CANVAS CREDIT UNION | 383 | $3,350 | 7.890% |
| U.S. Bank National Association | 260 | $3,447 | 8.200% |
| GUILD MORTGAGE COMPANY | 256 | $4,791 | 6.624% |
| FirstBank | 243 | $3,182 | 7.500% |
| Shea Mortgage Inc. | 241 | — | 6.250% |
| PENNYMAC LOAN SERVICES, LLC | 230 | $6,006 | 6.375% |
What lenders charged here
Lender fees on a $475,000 loan, based on what was actually charged in Douglas County — not a rule of thumb.
From 9,433 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers