What people paid for mortgages in Larimer County, CO (2025)
Across 4,325 closed home-purchase loans in 2025, the median interest rate in Larimer was 6.375%, and the middle half of borrowers got between 5.875% and 6.75%. Median total loan costs ran $5,500 on a median loan of $445,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $5,500
- Median loan amount
- $445,000
4,325 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $5,687
- Median loan amount
- $425,000
1,607 loans, 2025.
Lowest median rates in Larimer (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.HOMEAMERICAN MORTGAGE CORPORATION4.5%82 loans, median costs $4,380
- 2.DHI MORTGAGE COMPANY, LTD.4.99%177 loans, median costs $2,369
- 3.JET HOMELOANS, LP4.99%107 loans, median costs $9,137
- 4.ENT Credit Union5.75%79 loans, median costs $3,403
- 5.HARMONY HOME LENDING, LLC5.812%64 loans, median costs $3,794
Among lenders with at least 30 closed purchase loans in Larimer County in 2025.
Refinance
- 1.FREEDOM MORTGAGE CORPORATION5.75%44 loans, median costs $7,898
- 2.ENT Credit Union5.75%37 loans, median costs $3,276
- 3.Rocket Mortgage, LLC5.99%126 loans, median costs $7,364
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%374 loans, median costs $6,233
- 5.NEWREZ LLC6.058%30 loans, median costs $6,067
Among lenders with at least 30 closed refinance loans in Larimer County in 2025.
Lender by lender in Larimer
Every lender that closed at least 5 qualifying loans in Larimer County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 462 | 6.497% | $7,088 | $3,553 | $3,176 |
| 2 | GUILD MORTGAGE COMPANY | 220 | 6.625% | $8,104 | $5,326 | $4,410 |
| 3 | First Western Trust Bank | 205 | 6.5% | $3,156 | $1,160 | $3,511 |
| 4 | ELEVATIONS | 186 | 6.625% | $3,521 | $1,470 | $1,478 |
| 5 | DHI MORTGAGE COMPANY, LTD. | 177 | 4.99% | $2,369 | $250 | $9,486 |
| 6 | GROUP MORTGAGE, LLC | 165 | 6.49% | $7,520 | $4,749 | $4,960 |
| 7 | JET HOMELOANS, LP | 107 | 4.99% | $9,137 | $1,325 | $3,855 |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 106 | 6.625% | $8,312 | $5,659 | $5,212 |
| 9 | Loandepot.Com, LLC | 105 | 5.875% | $10,448 | $6,146 | $6,789 |
| 10 | Rocket Mortgage, LLC | 105 | 6.375% | $7,865 | $4,668 | $4,418 |
| 11 | Fairway Independent Mortgage Corporation | 102 | 6.625% | $5,697 | $2,438 | $3,782 |
| 12 | HOMEAMERICAN MORTGAGE CORPORATION | 82 | 4.5% | $4,380 | $0 | $9,167 |
| 13 | Bank of Colorado | 79 | 6.625% | $5,477 | $3,038 | $3,581 |
| 14 | ENT Credit Union | 79 | 5.75% | $3,403 | $995 | $3,035 |
| 15 | CMG MORTGAGE, INC. | 73 | 6.625% | $7,312 | $5,492 | $4,918 |
| 16 | GUARANTEED RATE, INC. | 72 | 6.612% | $5,301 | $2,656 | $3,849 |
| 17 | THE LOAN STORE, INC.broker only | 70 | 6.433% | $6,101 | $2,182 | $1,174 |
| 18 | Home Mortgage Advisors LLC | 70 | 6.75% | $4,459 | $2,699 | $2,876 |
| 19 | HARMONY HOME LENDING, LLC | 64 | 5.812% | $3,794 | $1,595 | $17,670 |
| 20 | BETTER MORTGAGE CORPORATION | 60 | 6.125% | $7,142 | $12,929 | $7,078 |
| 21 | JPMorgan Chase Bank, National Association | 60 | 6.375% | $3,984 | $1,784 | $2,768 |
| 22 | CORNERSTONE CAPITAL BANK, SSB | 58 | 6.375% | $9,054 | $4,585 | $9,023 |
| 23 | PENNYMAC LOAN SERVICES, LLC | 53 | 6.25% | $8,912 | $2,761 | $2,190 |
| 24 | FirstBank | 49 | 6% | $3,693 | $1,250 | $5,436 |
| 25 | Gateway First Bank | 45 | 6.125% | $10,620 | $4,897 | $10,274 |
| 26 | MEGASTAR FINANCIAL CORP. | 42 | 6.25% | $7,369 | $995 | $5,875 |
| 27 | CANVAS CREDIT UNION | 38 | 6.562% | $3,090 | $995 | $2,475 |
| 28 | Mortgage Research Center, LLC | 35 | 5.99% | $3,470 | $0 | $2,190 |
| 29 | NEST HOME LENDING, LLC | 34 | 5.812% | $13,323 | $4,999 | $7,882 |
| 30 | Broker Solutions, Inc. | 33 | 6.625% | $8,795 | $3,919 | $3,432 |
| 31 | KIND LENDING, LLC | 33 | 6.5% | $8,175 | $3,447 | $2,808 |
| 32 | LOWER, LLC | 33 | 6.5% | $7,986 | $4,944 | $2,054 |
| 33 | KEYSTONE FUNDING, INC. | 32 | 6.312% | $8,952 | $4,319 | $2,212 |
| 34 | PROVIDENT FUNDING ASSOCIATES, L.P. | 32 | 6.438% | $3,695 | $1,125 | $2,740 |
| 35 | TOLL BROTHERS MORTGAGE COMPANY | 32 | 5.995% | $4,174 | $1,499 | $10,094 |
| 36 | GUARANTEED RATE AFFINITY, LLC | 30 | 6.425% | $5,115 | $2,689 | $3,290 |
| 37 | UNION HOME MORTGAGE CORP. | 28 | 6.125% | $7,357 | $4,158 | $4,358 |
| 38 | U.S. Bank National Association | 28 | 6.562% | $3,553 | $1,531 | $672 |
| 39 | Navy Federal Credit Union | 25 | 6% | $2,226 | $0 | $4,706 |
| 40 | First National Bank of Omaha | 25 | 6.5% | $3,735 | $1,616 | $735 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Larimer figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Larimer County in 2025?
The median interest rate on closed home-purchase loans in Larimer County, Colorado in 2025 was 6.375%, across 4,325 first-lien, owner-occupied loans. The middle half of borrowers got between 5.875% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.