Mortgage lending in Moffat County
308 mortgages were originated in Moffat 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
- 308
- Median rate
- 6.625%
- Median lender fees
- $6,502
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
- $265,000
- Above the going rate (spread over APOR)
- 0.447
- Paid discount points
- 46.1%
- Received lender credits
- 26.9%
- Purchases / refinances
- 61.4% / 30.2%
- Conventional / FHA / VA
- 63.3% / 27.3% / 9.4%
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 83.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,089,050
- FHA limit
- $1,089,050
- Median home price
- $947,000
- That home, 20% down
- $757,600
A median-priced home with 20% down leaves $331,450 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.