Mortgage lending in Larimer County
9,678 mortgages were originated in Larimer 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
- 9,678
- Median rate
- 6.625%
- Median lender fees
- $4,807
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
- $355,000
- Above the going rate (spread over APOR)
- 0.140
- Paid discount points
- 38.2%
- Received lender credits
- 26%
- Purchases / refinances
- 52.3% / 29.8%
- Conventional / FHA / VA
- 85% / 8.7% / 6.1%
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 69.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $634,800
- Median home price
- $552,000
- That home, 20% down
- $441,600
A median-priced home with 20% down leaves $391,150 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 Larimer County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 943 | $6,577 | 6.250% |
| Canvas Credit Union | 438 | $2,945 | 7.890% |
| Rocket Mortgage, LLC | 407 | $4,564 | 6.750% |
| ENT Credit Union | 401 | $3,406 | 7.500% |
| Elevations | 388 | $3,379 | 6.990% |
| Guild Mortgage Company | 321 | $6,436 | 6.625% |
| First Western Trust Bank | 298 | $3,350 | 6.375% |
| FirstBank | 253 | $3,405 | 7.250% |
| First National Bank of Omaha | 232 | — | 7.150% |
| Bank of Colorado | 215 | $4,921 | 6.966% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in Larimer County — not a rule of thumb.
From 6,711 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