Mortgage lending in Mesa County
4,987 mortgages were originated in Mesa 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
- 4,987
- Median rate
- 6.870%
- Median lender fees
- $5,041
- Median loan amount
- $255,000
- Median spread over APOR
- 0.339
- Paid discount points
- 39.6%
- Received lender credits
- 21.5%
- Purchases / refinances
- 52.5% / 29.3%
- Conventional / FHA / VA
- 76.6% / 14.8% / 8.6%
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 71.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Mesa County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 496 | $4,337 | 6.625% |
| GUILD MORTGAGE COMPANY | 371 | $5,579 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 296 | $6,871 | 6.249% |
| Rocket Mortgage, LLC | 279 | $4,442 | 6.750% |
| Fairway Independent Mortgage Corporation | 278 | $8,072 | 6.625% |
| Alpine Bank | 185 | — | 8.000% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 152 | $5,896 | 6.625% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 125 | — | 7.250% |
| BELLCO CREDIT UNION | 104 | — | 8.000% |
| COLORAMO | 103 | $2,500 | 8.490% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Mesa County — not a rule of thumb.
From 3,579 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