Mortgage lending in Fremont County
1,227 mortgages were originated in Fremont 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
- 1,227
- Median rate
- 6.625%
- Median lender fees
- $5,471
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
- $235,000
- Above the going rate (spread over APOR)
- 0.277
- Paid discount points
- 42.8%
- Received lender credits
- 24.1%
- Purchases / refinances
- 48.7% / 36.6%
- Conventional / FHA / VA
- 64.8% / 18.7% / 15.4%
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 74.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $298,000
- That home, 20% down
- $238,400
A median-priced home with 20% down leaves $594,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. 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 Fremont County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ENT Credit Union | 131 | — | 7.990% |
| United Shore Financial Services, LLC | 130 | $7,804 | 6.125% |
| The Mortgage Company | 86 | $6,008 | 6.500% |
| Rocket Mortgage, LLC | 76 | $4,905 | 6.495% |
| Credit Union Of Colorado, A Federal Credit Union | 57 | — | 7.250% |
| The Central Trust Bank | 50 | — | — |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Fremont County — not a rule of thumb.
From 916 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