Mortgage lending in Garfield County
1,666 mortgages were originated in Garfield 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
- 1,666
- Median rate
- 6.990%
- Median lender fees
- $5,927
- Median loan amount
- $335,000
- Median spread over APOR
- 0.470
- Paid discount points
- 27.2%
- Received lender credits
- 23.5%
- Purchases / refinances
- 47.5% / 31.5%
- Conventional / FHA / VA
- 86.1% / 10.9% / 2.7%
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 58.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,209,750
- FHA limit
- $1,249,125
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 Garfield County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Alpine Bank | 366 | $4,938 | 8.125% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 108 | $10,112 | 6.311% |
| Rocket Mortgage, LLC | 79 | $4,550 | 6.750% |
| FirstBank | 70 | — | 7.000% |
| GUILD MORTGAGE COMPANY | 70 | $7,658 | 6.563% |
| BAY EQUITY LLC | 66 | $5,556 | 6.875% |
| T2 FINANCIAL LLC | 61 | $10,043 | 6.750% |
| Bank of Colorado | 50 | — | 7.125% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in Garfield County — not a rule of thumb.
From 979 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