Mortgage lending in Elbert County
1,345 mortgages were originated in Elbert 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
- 1,345
- Median rate
- 6.375%
- Median lender fees
- $6,007
- Median loan amount
- $485,000
- Median spread over APOR
- -0.003
- Paid discount points
- 47.1%
- Received lender credits
- 26.5%
- Purchases / refinances
- 55.6% / 27.7%
- Conventional / FHA / VA
- 69.4% / 18.4% / 12%
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 75.5% 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 Elbert County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 134 | $5,967 | 6.239% |
| LENNAR MORTGAGE, LLC | 100 | $4,008 | 4.250% |
| Rocket Mortgage, LLC | 61 | $5,895 | 6.490% |
| DHI MORTGAGE COMPANY, LTD. | 52 | $10,609 | 4.500% |
What lenders charged here
Lender fees on a $485,000 loan, based on what was actually charged in Elbert County — not a rule of thumb.
From 1,016 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