Colorado Mortgage Rates Today — Compare CO Lenders
The average 30-year fixed mortgage rate in Colorado is currently 6.60% APR. Denver’s conforming loan limit is $833,800 — significantly above the national baseline — helping many Front Range buyers avoid jumbo rates. Compare today’s rates from top Colorado lenders across all major loan types below.
Colorado Mortgage Rate Comparison Table
Rates below assume a 740+ credit score, 20% down payment, and a $550,000 loan on a single-family primary residence in Colorado.
| Loan Type | Interest Rate | APR | Best For |
|---|---|---|---|
| 30-Year Fixed | 6.60% | 6.60% | Most Popular |
| 15-Year Fixed | 5.95% | 5.95% | Pay off faster, save interest |
| 5/1 ARM | 6.72% | 6.72% | Short-term owners |
| FHA 30-Year | 6.25% | 6.25% | Low down payment |
| VA 30-Year | 6.08% | 6.08% | Veterans & military |
| 30-Year Refinance | 6.72% | 6.72% | Existing homeowners |
Rates sourced from lender survey data and updated regularly. Actual rates vary by lender and borrower profile. See disclaimer.
Understanding Mortgage Rates in Colorado
Colorado has one of the strongest housing markets in the Mountain West. Denver consistently ranks as one of the top metros for job growth and in-migration, and Boulder is one of the most expensive small cities in the US. Colorado’s outdoor lifestyle and strong economy make it a perennially popular relocation destination.
The Silicon Slopes tech corridor continues to drive demand in the Denver-Boulder area. Colorado Springs offers more affordable options while still providing access to Colorado’s outdoor amenities. Eastern plains communities offer the most affordable entry points.
What Affects Your Colorado Mortgage Rate?
Several key factors influence the rate a Colorado lender will offer you: your credit score (740+ gets the best rates), your down payment (20%+ eliminates PMI), your loan type (VA and FHA often beat conventional), and broader market conditions driven by the Federal Reserve and Treasury yields. Always compare at least 3–5 lenders — the spread between best and worst rate can be 0.5–1.0%.