Compare Colorado’s Mortgage Rates | Wednesday, December 3, 2025
Rates are current as of December 3, 2025 8:11 PM EST
APR 6.15%
0.12% 1wAPR 5.68%
0.15% 1wAPR 6.64%
-0.08% 1w
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The Nerdy headline
Tomo’s online rates comparison tool is among the best we’ve seen for shopping rates — and both their rates and fees are competitive. While they don’t offer refinance or home equity options, the solid lineup of purchase loans could be a good fit for a wide range of home buyers, including those with credit challenges.
NerdWallet rating
5.0
- Comprehensive online rates comparison tool makes it easy to customize sample rates.
- Mortgage rates are on the low side, according to the latest federal data.
- Offers financing options for borrowers with lower credit and those without Social Security numbers.
- No refinance or home equity options.
- Loans not available in all states.
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Home loans overall
NerdWallet rating
4.0
- Offers a wide variety of purchase mortgages, including renovation and construction loans.
- Has a fully-digital mortgage application process.
- Publishes only sample mortgage rates; you must contact the lender for customized rates.
- Does not offer adjustable-rate mortgages.
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The Nerdy headline
Simplist is an online marketplace of mortgage lenders; human guidance is optional. You’ll make payments to a loan servicer, not to Simplist. Loans are not available in every state.
Home loans overall
NerdWallet rating
4.5
- Loan origination process can be completed online.
- Offers government-backed FHA and VA loans.
- Offers module that compares mortgage rates among other lenders.
- Offers loans in many states and Washington, D.C., but not nationwide.
- Does not offer home equity loans or lines of credit.
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The Nerdy headline
In addition to conventional and government-backed loans, Northpointe Bank’s mortgage portfolio includes rarer offerings like doctor loans, condo loans, investment property loans and loans for borrowers with credit challenges. However, average origination fees tend to be comparatively high.
Home loans overall
NerdWallet rating4.5
- Closing may be available within 15 business days.
- Offers loans and programs aimed at making homeownership more accessible.
- Offers mortgages for investment properties, including jumbo loans.
- Average mortgage origination fees are on the high side, according to the latest data.
- Bank’s mobile app isn’t useful for mortgage borrowers.
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The Nerdy headline
Home loans overall
NerdWallet rating
4.5
- Offers a variety of mortgage options, including jumbo loans, and FHA and VA loans.
- Offers home equity loans and lines of credit.
- Displays customized rates, with fee estimates, without requiring contact information.
- Doesn’t offer mortgages in all 50 states.
- Home renovation loans are not available.
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The Nerdy headline
Better stands out for its attractive interest rates and wide range of mortgage types, including for condos and manufactured homes. Better offers connections with homeowners insurance providers and real estate attorneys, as well as title insurance. However, the lender could improve its customer service.
Home loans overall
NerdWallet rating4.5
- Has a wide variety of mortgage types, including home equity products.
- Offers lower interest rates than many competitors.
- Sample online rates are customizable by location.
- We struggled to contact customer service.
- The lender scores poorly for customer satisfaction on Zillow.
- Does not offer construction loans.
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The Nerdy headline
Midwest-rooted Central Bank offers an online application, which you can track via mobile app. But you’ll have to contact the bank for mortgage rates.
Home loans overall
NerdWallet rating
4.0
- Among the best when it comes to online convenience.
- Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
- Claims to offer preapproval within 24 hours of loan application.
- You'll have to complete a loan application to see mortgage interest rates.
- Bank branch locations limited to the Midwest.
- Does not offer home equity lines of credit.
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The Nerdy headline
New American Funding offers a large menu of loan products, as well as programs like first-time home buyer assistance, but personalized mortgage rates aren't available on its website.
Home loans overall
NerdWallet rating4.5
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
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About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
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Colorado’s average 6.15%
Colorado’s average mortgage rates today
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 6.15% | 6.15% |
| 30-year Fixed FHA | 6.12% | 6.87% |
| 30-year Fixed VA | 5.54% | 5.54% |
| 20-year Fixed | 6.29% | 6.30% |
| 15-year Fixed | 5.66% | 5.68% |
| 10-year Fixed | 5.79% | 5.80% |
| 3-year ARM | 8.25% | 7.61% |
| 5-year ARM | 6.00% | 6.64% |
| 7-year ARM | 6.15% | 6.59% |
| 10-year ARM | 6.15% | 6.15% |
Accurate as of 12/03/2025.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
Today's mortgage rates in Colorado | Wednesday, December 3, 2025
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