Colorado Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Colorado. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7%
Avg APR
15yr Fixed
6.4%
Avg APR
Median Price
$535,000
Median home
Monthly P&I
$2,854
30yr at 80% LTV
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Top Mortgage Lenders in Colorado
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Colorado
- ✓CHFA FirstStep
- ✓CHFA HomeAccess
- ✓Colorado Housing Connects
Mortgage Requirements in Colorado
- •Min 620 credit score for CHFA programs
- •DTI under 45%
- •Complete homebuyer education course for most assistance programs
Colorado Housing Market Facts
Denver metro has seen 40%+ price growth over the past 5 years.
High-cost counties include Denver, Boulder, and Summit County.
CHFA offers down payment assistance up to $25,000.
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