Mortgage lending in Summit County
1,471 mortgages were originated in Summit 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
- 1,471
- Median rate
- 6.625%
- Median lender fees
- $4,532
- Median loan amount
- $555,000
- Median spread over APOR
- 0.186
- Paid discount points
- 28.9%
- Received lender credits
- 38.3%
- Purchases / refinances
- 61% / 25.8%
- Conventional / FHA / VA
- 97.7% / 1.2% / 1.1%
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 74.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,092,500
- FHA limit
- $1,092,500
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 Summit County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| BOKF, National Association | 145 | $3,727 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 136 | $6,260 | 6.534% |
| FirstBank | 121 | $3,652 | 6.500% |
| Alpine Bank | 73 | — | 8.125% |
| MOVEMENT MORTGAGE, LLC | 66 | $4,673 | 6.875% |
| Broker Solutions, Inc. | 50 | $7,303 | — |
What lenders charged here
Lender fees on a $555,000 loan, based on what was actually charged in Summit County — not a rule of thumb.
From 1,101 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