Mortgage lending in Jefferson County
15,679 mortgages were originated in Jefferson 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
- 15,679
- Median rate
- 6.625%
- Median lender fees
- $4,694
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
- $395,000
- Above the going rate (spread over APOR)
- 0.123
- Paid discount points
- 34.9%
- Received lender credits
- 26.3%
- Purchases / refinances
- 47.4% / 33.1%
- Conventional / FHA / VA
- 88.2% / 7.3% / 4.5%
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 69.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $862,500
- FHA limit
- $862,500
- Median home price
- $750,000
- That home, 20% down
- $600,000
A median-priced home with 20% down leaves $262,500 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
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
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 Jefferson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,943 | $6,482 | 6.375% |
| Rocket Mortgage, LLC | 895 | $3,888 | 6.625% |
| Bellco Credit Union | 543 | — | 8.000% |
| FirstBank | 488 | $3,252 | 7.375% |
| Canvas Credit Union | 385 | $3,197 | 7.890% |
| Guild Mortgage Company | 367 | $4,783 | 6.625% |
| Elevations | 320 | $3,726 | 6.625% |
| U.S. Bank National Association | 293 | $3,415 | 8.200% |
| ENT Credit Union | 291 | $3,336 | 7.500% |
| CMG Mortgage, Inc. | 289 | $4,295 | 6.500% |
What lenders charged here
Lender fees on a $395,000 loan, based on what was actually charged in Jefferson County — not a rule of thumb.
From 10,899 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