Mortgage lending in Weld County
11,306 mortgages were originated in Weld 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
- 11,306
- Median rate
- 6.500%
- Median lender fees
- $6,587
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
- $345,000
- Above the going rate (spread over APOR)
- 0.174
- Paid discount points
- 42.9%
- Received lender credits
- 24.4%
- Purchases / refinances
- 55.4% / 28.5%
- Conventional / FHA / VA
- 71.8% / 20% / 8%
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 73.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $575,000
- Median home price
- $500,000
- That home, 20% down
- $400,000
A median-priced home with 20% down leaves $432,750 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 Weld County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,135 | $8,861 | 6.125% |
| Rocket Mortgage, LLC | 574 | $4,649 | 6.750% |
| ENT Credit Union | 361 | $3,387 | 7.740% |
| Loandepot.Com, LLC | 346 | $10,862 | 5.750% |
| Guild Mortgage Company | 336 | $6,840 | 6.500% |
| DHI Mortgage Company, Ltd. | 314 | $9,141 | 4.750% |
| Crosscountry Mortgage, Inc. | 250 | $11,554 | 6.500% |
| Canvas Credit Union | 247 | — | 7.890% |
| Lennar Mortgage, LLC | 240 | $3,795 | 4.250% |
| Elevations | 235 | $3,397 | 7.240% |
What lenders charged here
Lender fees on a $345,000 loan, based on what was actually charged in Weld County — not a rule of thumb.
From 8,353 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