Colorado mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| El Paso County | 10,270 | 6.125% | $7,067 | 5.875% |
| Arapahoe County | 7,043 | 6.375% | $7,281 | 6.125% |
| Adams County | 6,920 | 6.125% | $9,102 | 6.124% |
| Denver County | 6,549 | 6.49% | $5,563 | 6.125% |
| Jefferson County | 6,498 | 6.49% | $5,218 | 6.125% |
| Douglas County | 6,082 | 6.25% | $4,859 | 6% |
| Weld County | 5,439 | 6.25% | $8,333 | 6.125% |
| Larimer County | 4,325 | 6.375% | $5,500 | 6.125% |
| Boulder County | 2,841 | 6.49% | $4,451 | 6.125% |
| Mesa County | 2,055 | 6.625% | $6,325 | 6.25% |
| Pueblo County | 1,789 | 6.375% | $7,460 | 6.125% |
| Broomfield County | 837 | 6.49% | $4,694 | 6% |
| Elbert County | 703 | 5.99% | $7,942 | 6.125% |
| Garfield County | 627 | 6.625% | $7,535 | 6.25% |
| La Plata County | 517 | 6.5% | $4,324 | 6.125% |
| Fremont County | 494 | 6.495% | $6,562 | 6.125% |
| Montrose County | 491 | 6.625% | $7,007 | 6.375% |
| Teller County | 451 | 6.375% | $5,915 | 6.125% |
| Eagle County | 397 | 6.375% | $4,220 | 6.125% |
| Summit County | 382 | 6.5% | $4,914 | 6.125% |
| Delta County | 330 | 6.5% | $7,169 | 6.25% |
| Morgan County | 309 | 6.375% | $9,696 | 6.051% |
| Park County | 281 | 6.375% | $6,517 | 6.25% |
| Chaffee County | 266 | 6.375% | $4,603 | 5.997% |
| Routt County | 213 | 6.5% | $5,498 | 6.412% |
| Grand County | 205 | 6.5% | $6,076 | 6.375% |
| Montezuma County | 203 | 6.5% | $7,479 | 6.25% |
| Archuleta County | 175 | 6.625% | $5,355 | 6.312% |
| Logan County | 169 | 6.5% | $6,386 | 6.125% |
| Moffat County | 165 | 6.625% | $7,406 | 6.125% |
| Gunnison County | 158 | 6.625% | $5,620 | 6.125% |
| Otero County | 125 | 6.375% | $6,732 | 6.25% |
| Clear Creek County | 116 | 6.463% | $5,311 | 6.125% |
| Pitkin County | 103 | 6.25% | $4,440 | 6.312% |
| Las Animas County | 81 | 6.5% | $5,860 | 6.5% |
| Lake County | 79 | 6.5% | $5,900 | 5.99% |
| Rio Blanco County | 77 | 6.625% | $6,311 | 6.188% |
| Rio Grande County | 73 | 6.5% | $6,628 | 6.125% |
| Ouray County | 66 | 6.625% | $6,285 | 6.5% |
| Prowers County | 65 | 6.625% | $5,030 | 6.375% |
| Gilpin County | 65 | 6.5% | $4,893 | 5.999% |
| Alamosa County | 61 | 6.5% | $6,996 | 5.99% |
| San Miguel County | 61 | 6.5% | $4,611 | 6.25% |
| Lincoln County | 49 | 6.5% | $7,308 | 6.375% |
| Yuma County | 49 | 6.5% | $6,517 | 6.112% |
| Custer County | 48 | 6.25% | $5,631 | 6.25% |
| Washington County | 46 | 6.375% | $8,085 | 6.25% |
| Kit Carson County | 46 | 6.433% | $5,654 | 6.125% |
| Huerfano County | 45 | 6.5% | $8,370 | 6.5% |
| Phillips County | 40 | 6.625% | $6,361 | 6.625% |
| Saguache County | 40 | 6.5% | $7,858 | 5.99% |
| Bent County | 27 | 6.5% | $4,804 | 6.25% |
| Costilla County | 22 | 6.25% | $6,355 | 5.99% |
| Sedgwick County | 18 | 6.25% | $4,460 | 6.124% |
| Conejos County | 18 | 6.25% | $6,553 | 6.375% |
| Crowley County | 16 | 6.438% | $6,860 | 6.625% |
| Dolores County | 15 | 6.499% | $5,224 | 6.5% |
| Jackson County | 11 | 6.25% | $7,286 | 7.058% |
| Cheyenne County | 9 | 6.625% | $5,337 | 5.99% |
| Mineral County | 8 | 6.75% | $7,789 | 6.737% |
| Baca County | 7 | 6.688% | $6,990 | 6.75% |
| Kiowa County | 7 | 7.08% | $4,912 | n/a |
| Hinsdale County | 7 | 6.49% | $6,634 | 6.433% |
| San Juan County | 5 | 6.5% | $5,276 | 5.99% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.