Colorado · Q1 2026
What Colorado borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 684 lenders.
Published 2026-04-29.
Colorado · headline
The gap between Colorado's lowest- and highest-cost ranked lenders in 2025 was $4,329 on a typical loan — borrowers using CrossCountry Mortgage paid roughly 125% more than borrowers using Elevations on similar loans.
Source: FFIEC HMDA 2025 (n=110,226)
In 2025, 684 mortgage lenders originated 110,226 reportable loans in Colorado according to FFIEC HMDA data. The median borrower paid $4,935 in total loan costs. That is 16.3% above the national median across all 50 states and DC.
Colorado's median total loan cost was $4,935, 16.3% above the national median of $4,242. On a typical loan, that translates to roughly $693 more than borrowers paid in the average state.
Elevations posted the lowest median total loan costs at $3,458, 29.9% below the Colorado median. Across the ranked lenders, 9 earned an A grade against peer averages and 0 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Colorado are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | $7,341 | $4,055 | 16,878 | B |
| 2 | Rocket Mortgage | $4,582 | $3,018 | 8,418 | A |
| 3 | Guild Mortgage | $5,616 | $3,735 | 4,068 | A |
| 4 | CrossCountry Mortgage | $7,787 | $4,503 | 2,267 | C |
| 5 | Ent Credit Union | $3,764 | $1,267 | 2,261 | A |
| 6 | Pennymac | $5,373 | $2,809 | 2,185 | A |
| 7 | Elevations | $3,458 | $1,050 | 1,853 | A |
| 8 | Fairway Independent Mortgage | $7,090 | $3,995 | 1,816 | B |
| 9 | loanDepot.com, LLC | $6,873 | $3,183 | 1,721 | B |
| 10 | Freedom Mortgage | $7,012 | $4,009 | 1,562 | B |
Colorado median total loan cost
Colorado borrowers paid a median $4,935 in total loan costs in 2025, based on 110,226 HMDA-reported loans across 684 lenders.
FFIEC HMDA 2025
Lender spread in Colorado
In Colorado, the gap between Elevations ($3,458 median) and CrossCountry Mortgage ($7,787 median) was $4,329 on a typical 2025 loan.
FFIEC HMDA 2025
Colorado vs. national
Colorado closing costs ran 16.3% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Colorado was $2,448, with the typical lender clustering tightly around that figure. Discount points appeared on 53% of loans, with a median paid amount of $3,225 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 37% of loans, with a median credit of $450.
Avg $4,622
Median $3,225 when present
Median $450 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Colorado) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Colorado
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