Mortgage lending in El Paso County
22,427 mortgages were originated in El Paso 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
- 22,427
- Median rate
- 6.490%
- Median lender fees
- $5,866
- Median loan amount
- $355,000
- Median spread over APOR
- 0.041
- Paid discount points
- 40.9%
- Received lender credits
- 25.9%
- Purchases / refinances
- 51.4% / 31.6%
- Conventional / FHA / VA
- 60.3% / 9.7% / 30%
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 71.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,650
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in El Paso County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ENT Credit Union | 4,499 | $3,775 | 7.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,125 | $7,253 | 5.999% |
| Rocket Mortgage, LLC | 1,221 | $5,220 | 6.375% |
| GUARANTEED RATE, INC. | 525 | $6,121 | 6.250% |
| FREEDOM MORTGAGE CORPORATION | 492 | $5,730 | 5.750% |
| Mortgage Research Center, LLC | 465 | $7,106 | 5.990% |
| Navy Federal Credit Union | 438 | $1,974 | 7.750% |
| GUILD MORTGAGE COMPANY | 391 | $6,025 | 6.125% |
| PENNYMAC LOAN SERVICES, LLC | 389 | $5,134 | 6.000% |
| NEWREZ LLC | 346 | $6,614 | 6.250% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in El Paso County — not a rule of thumb.
From 15,960 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