What are the average closing costs in Jefferson County County?

In Jefferson County County, the median total loan costs on purchase mortgages were $5,368 in 2024, based on 6,147 originations.

Which lender has the lowest closing costs in Jefferson County County?

Among lenders with 10+ originations in Jefferson County County, Pivot Financial Partners, Inc. had the lowest median total closing costs at $700 in 2024.

How do closing costs in Jefferson County County compare to Colorado?

Jefferson County County closing costs (median $5,368) are 17.5% below the Colorado state median of $6,509.

Lowest closing cost mortgage lenders in Jefferson County County, Colorado

In Jefferson County, Colorado, homebuyers paid a median of $5,368 in closing costs in 2024 — below the Colorado median of $6,509. The county saw 6,147 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Pivot Financial Partners, Inc. offered the lowest median costs at $700, which is $3,957 less than the county median.

Homebuyers in Jefferson County County who chose Pivot Financial Partners, Inc. paid $4,668 less in closing costs than the county median.

County Median Costs

$5,368

−17.5% vs Colorado ($6,509)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$2,315

Purchase Originations

6,147

vs Colorado Median

17.5% below

$-1,141

vs National Median

20.4% below

$-1,373

Lender rankings in Jefferson County County

90 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Pivot Financial Partners, Inc.	$700	6.500%	$0	20	−$3,957
2	HOMEAMERICAN MORTGAGE CORPORATION	$1,104	5.999%	$0	49	−$3,553
3	JPMorgan Chase Bank, National Association	$2,039	6.375%	$500	82	−$2,618
4	TAYLOR MORRISON HOME FUNDING, INC.	$2,450	5.490%	$114	22	−$2,207
5	NAVY FEDERAL CREDIT UNION	$2,496	6.000%	$0	23	−$2,161
6	SWBC MORTGAGE CORPORATION	$2,586	6.625%	$470	39	−$2,070
7	Colorado Federal Savings Bank	$2,655	6.500%	$500	15	−$2,002
8	NBKC BANK	$2,675	6.500%	$250	17	−$1,982
9	NOVA FINANCIAL & INVESTMENT CORPORATION	$3,118	6.990%	$1,195	59	−$1,539
10	Morgan Stanley Private Bank, National Association	$3,156	6.075%	$815	21	−$1,501
11	First Western Trust Bank	$3,188	6.875%	$1,145	25	−$1,469
12	ELEVATIONS	$3,255	6.750%	$950	150	−$1,402
13	ENT CREDIT UNION	$3,260	6.125%	$995	45	−$1,397
14	CANVAS CREDIT UNION	$3,364	6.625%	$955	71	−$1,293
15	Change Lending, LLC	$3,384	6.938%	$1,293	20	−$1,273
16	FirstBank	$3,409	6.250%	$1,250	64	−$1,248
17	WESTERRA CREDIT UNION	$3,447	6.625%	$1,680	27	−$1,210
18	U.S. Bank National Association	$3,508	6.500%	$1,253	49	−$1,149
19	Sunflower Bank, National Association	$3,558	6.625%	$1,195	53	−$1,099
20	American Liberty Mortgage, Incorporated	$3,623	6.875%	$1,490	18	−$1,034
21	Prosperity Home Mortgage, LLC	$3,644	7.125%	$1,395	18	−$1,013
22	Citibank, National Association	$3,650	6.375%	$1,090	16	−$1,007
23	ALLIED MORTGAGE GROUP, INC.	$3,655	7.000%	$1,490	19	−$1,002
24	MUTUAL OF OMAHA MORTGAGE, INC.	$3,724	6.490%	$1,195	39	−$933
25	TOLL BROTHERS MORTGAGE COMPANY	$3,874	6.000%	$1,499	24	−$783
26	BAY EQUITY LLC	$3,924	6.875%	$2,642	31	−$733
27	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	$3,950	7.058%	$1,639	18	−$706
28	PROVIDENT FUNDING ASSOCIATES, L.P.	$3,953	6.500%	$1,425	52	−$704
29	NBH Bank	$3,963	7.000%	$1,605	11	−$694
30	GUARANTEED RATE, INC.	$4,029	6.625%	$1,640	74	−$628
31	GUARANTEED RATE AFFINITY, LLC	$4,077	6.763%	$1,640	42	−$580
32	LENNAR MORTGAGE, LLC	$4,091	4.990%	$1,398	154	−$566
33	UBS Bank USA, National Association	$4,135	6.250%	$995	11	−$522
34	SELECT LENDING SERVICES LLC	$4,141	6.990%	$2,325	31	−$516
35	ALAMEDA MORTGAGE CORPORATION	$4,189	6.750%	$1,990	12	−$468
36	Bank of America, National Association	$4,193	6.000%	$1,922	33	−$464
37	NexBank	$4,226	6.500%	$2,539	18	−$431
38	INTERCAP LENDING INC.	$4,245	7.000%	$1,950	26	−$412
39	TOWNE MORTGAGE COMPANY	$4,261	7.000%	$1,651	30	−$396
40	MEGASTAR FINANCIAL CORP.	$4,320	7.000%	$995	41	−$337
41	CMG MORTGAGE, INC.	$4,495	6.750%	$2,225	93	−$162
42	BMO Bank National Association	$4,546	6.750%	$2,087	27	−$111
43	PNC Bank, National Association	$4,619	6.500%	$2,586	13	−$38
44	Wells Fargo Bank, National Association	$4,638	6.500%	$2,469	35	−$19
45	RESICENTRAL, LLC	$4,751	6.625%	$2,024	22	+$94
46	Synergy One Lending, Inc.	$4,759	6.688%	$2,625	52	+$102
47	USAA Federal Savings Bank	$4,806	6.625%	$3,015	13	+$149
48	GUILD MORTGAGE COMPANY LLC	$4,842	6.875%	$2,815	182	+$185
49	UNION HOME MORTGAGE CORP.	$4,886	6.933%	$2,045	30	+$229
50	ROCKET MORTGAGE, LLC	$4,888	6.625%	$2,995	305	+$231
51	THE LOAN STORE, INC.	$4,974	6.500%	$1,938	67	+$317
52	PRIMELENDING, A PLAINSCAPITAL COMPANY	$4,989	6.500%	$2,534	26	+$332
53	KEYSTONE FUNDING, INC.	$5,016	6.625%	$2,221	33	+$359
54	PLAZA HOME MORTGAGE, INC.	$5,104	6.375%	$2,463	16	+$447
55	MOVEMENT MORTGAGE, LLC	$5,194	6.990%	$2,111	94	+$537
56	BOKF, National Association	$5,367	6.625%	$2,843	22	+$710
57	Northpointe Bank	$5,372	6.500%	$3,820	15	+$715
58	The Huntington National Bank	$5,399	6.625%	$1,640	37	+$742
59	ORIGINPOINT LLC	$5,521	6.625%	$3,525	15	+$864
60	Ixonia Bank	$5,671	6.875%	$3,549	33	+$1,014
61	MEGA CAPITAL FUNDING, INC.	$5,732	6.688%	$3,317	12	+$1,075
62	Flagstar Bank, National Association	$5,851	6.621%	$3,244	20	+$1,194
63	PENNYMAC LOAN SERVICES, LLC	$6,070	6.561%	$2,786	44	+$1,413
64	LOWER, LLC	$6,097	6.625%	$3,960	87	+$1,440
65	ZILLOW HOME LOANS, LLC	$6,282	6.625%	$4,102	73	+$1,625
66	CROSSCOUNTRY MORTGAGE, LLC	$6,379	6.990%	$4,204	165	+$1,722
67	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$6,493	6.625%	$4,401	149	+$1,836
68	US MORTGAGE CORPORATION	$6,496	6.625%	$4,202	10	+$1,839
69	NEWREZ LLC	$6,497	6.875%	$4,386	40	+$1,840
70	PRIMARY RESIDENTIAL MORTGAGE, INC.	$6,506	6.750%	$2,534	11	+$1,849
71	LOANDEPOT.COM, LLC	$6,800	5.875%	$4,682	33	+$2,143
72	UNITED WHOLESALE MORTGAGE, LLC	$6,948	6.625%	$4,607	832	+$2,291
73	NMSI, INC.	$6,956	6.625%	$4,273	23	+$2,298
74	Luminate Home Loans, Inc.	$7,027	6.933%	$4,712	64	+$2,370
75	NEW AMERICAN FUNDING, LLC	$7,154	6.688%	$5,139	64	+$2,497
76	NFM, INC.	$7,181	6.875%	$4,952	13	+$2,524
77	CORNERSTONE CAPITAL BANK, SSB	$7,283	6.625%	$5,292	12	+$2,626
78	THE MORTGAGE COMPANY	$7,358	6.688%	$5,058	14	+$2,701
79	FREEDOM MORTGAGE CORPORATION	$7,474	6.750%	$4,791	22	+$2,817
80	KIND LENDING, LLC	$7,668	6.750%	$5,688	21	+$3,011
81	AMERICAN FINANCING CORPORATION	$7,751	6.562%	$5,540	14	+$3,094
82	HOMEOWNERS FINANCIAL GROUP USA, LLC	$7,843	6.000%	$5,963	10	+$3,186
83	PLANET HOME LENDING, LLC	$7,903	6.625%	$5,310	15	+$3,246
84	V.I.P. MORTGAGE, INC.	$8,226	6.625%	$6,041	126	+$3,569
85	Plains Commerce Bank	$8,392	6.375%	$6,095	45	+$3,735
86	PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC.	$8,894	6.625%	$6,010	21	+$4,237
87	JET HOMELOANS, LP	$9,957	6.990%	$7,999	17	+$5,300
88	CASTLE & COOKE MORTGAGE, LLC	$10,463	6.990%	$8,690	15	+$5,806

Includes lenders with 10+ purchase originations in Jefferson County County. Source: HMDA 2024. Sorted by median total loan costs.

View detailed closing cost breakdowns and user reviews for lenders in Colorado → Lender Directory

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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).

Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.