Colorado Mortgage Rates and Refinance Rates

Colorado Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Colorado. Our rate table has a list of Colorado mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Colorado you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Colorado include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Colorado listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 80201, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.584
4.500
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $2,626
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.371
4.250
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # 244476
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,270
 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.296
4.250
USD
Lenda, Inc. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,321
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from Oceans Mortgage
Oceans Mortgage
https://www.brimg.net/system/img/inst/10050_logo.gif
300000
Refinance
4.239
4.125
USD
Oceans Mortgage Logo
NMLS # 1558823
(877) 382-0613
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,745
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.287
4.210
USD
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $1,468.80
Fees in APR: $2,421
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.222
4.115
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 66247
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $3,527
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.190
4.050
USD
at 0.100 pts
45 day lock rate
Est payment: $1,440.91
Fees in APR: $4,687
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.356
4.125
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $5,144
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.129
4.000
USD
at 0.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $4,335
 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.521
4.375
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,100
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.468
4.375
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,961
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.320
4.250
USD
AimLoan.com Logo
NMLS # 2890
State Lic # 988427
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,195
 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.400
4.375
USD
McGlone Mortgage Group Logo
NMLS # 3232
(877) 475-4039
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $895
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.298
4.250
USD
Better Mortgage Inc Logo
NMLS # 330511
State Lic # CR-330511
(877) 699-1832
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,713
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.500
4.500
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # 244476
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.499
4.490
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 989314
at 0.000 pts
45 day lock rate
Est payment: $1,518.27
Fees in APR: $299
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.659
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,193
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.750
4.750
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.375
4.375
USD
Lenda, Inc. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.342
4.275
USD
at 0.000 pts
45 day lock rate
Est payment: $1,480.21
Fees in APR: $2,370
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.306
4.250
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,995
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.500
4.500
USD
AimLoan.com Logo
NMLS # 2890
State Lic # 988427
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Oceans Mortgage
Oceans Mortgage
https://www.brimg.net/system/img/inst/10050_logo.gif
300000
Refinance
4.375
4.375
USD
Oceans Mortgage Logo
NMLS # 1558823
(877) 382-0613
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.359
4.335
USD
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,490.79
Fees in APR: $860
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.500
4.500
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.285
4.250
USD
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,260
 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.375
4.375
USD
LoanLock Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.371
4.365
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 66247
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $230
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.246
3.875
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 2.000 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $7,087
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.565
9.125
USD
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $8,034
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.410
4.250
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,325
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.509
4.375
USD
Ally Bank Logo
NMLS # 181005
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,394
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.157
3.990
USD
Lenda, Inc. Logo
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $2,659
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.100
3.900
USD
at 1.100 pts
45 day lock rate
Est payment: $1,415.00
Fees in APR: $3,845
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
3.995
3.750
USD
at 1.100 pts
30 day lock rate
Est payment: $1,389.35
Fees in APR: $5,508
 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.196
4.000
USD
AimLoan.com Logo
NMLS # 2890
State Lic # 988427
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $3,665
 
 
30 yr fixed Mortgage Loan from Oceans Mortgage
Oceans Mortgage
https://www.brimg.net/system/img/inst/10050_logo.gif
300000
Refinance
4.154
4.000
USD
Oceans Mortgage Logo
NMLS # 1558823
(877) 382-0613
at 1.100 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $2,196
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.158
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 66247
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $2,708
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Jonah Bank of Wyoming
Jonah Bank of Wyoming
300000
Refinance
4.598
4.500
USD
Jonah Bank of Wyoming
4.598%
8/13/2018
4.500%
at 1.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $411
 
 
30 yr fixed mtg refi Mortgage Loan from Community Banks of Colorado
Community Banks of Colorado
300000
Refinance
4.697
4.625
USD
Community Banks of Colorado
4.697%
8/10/2018
4.625%
at 0.500 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,000
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of the West
Bank of the West
300000
Refinance
5.056
5.000
USD
Bank of the West
5.056%
8/14/2018
5.000%
at 0.375 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $793
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.790
4.750
USD
Citizens Bank, NA
4.790%
8/10/2018
4.750%
at 0.125 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
4.815
4.750
USD
First National Bank of Omaha
4.815%
8/16/2018
4.750%
at 0.500 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $752
 
 
30 yr fixed mtg refi Mortgage Loan from Frontier Bank
Frontier Bank
300000
Refinance
4.762
4.625
USD
Frontier Bank
4.762%
8/16/2018
4.625%
at 1.500 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $241
 
 
30 yr fixed mtg refi Mortgage Loan from Equitable Savings and Loan Assocaition
Equitable Savings and Loan Assocaition
300000
Refinance
4.795
4.625
USD
Equitable Savings and Loan Assocaition
4.795%
8/15/2018
4.625%
at 1.250 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,111
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.656
4.625
USD
LincolnWay Community Bank
4.656%
8/14/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.913
4.875
USD
Raymond James Bank, NA
4.913%
8/14/2018
4.875%
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $1,299
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Colorado Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Colorado. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Colorado mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Colorado mortgage loans that have been made. As a result, Colorado mortgage rates today are lower than jumbo interest rates in Colorado. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Colorado Super Conforming Home Loan Rates

Super conforming mortgages in Colorado are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Colorado Jumbo Loan Interest Rates

Colorado jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Colorado are usually 0.75 basis points higher than conforming mortgage rates in Colorado because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Colorado Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Colorado. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Colorado Adjustable Interest Rates

Colorado adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Colorado Interest Only Home Mortgage Rates

Colorado interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Colorado FHA Mortgage Mortgage Rates

Borrowers in Colorado must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Colorado are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Colorado Rates & Resources

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Cities in Colorado