Denver mortgage rates
What borrowers in the Denver–Aurora–Lakewood, CO area actually paid: median note rates on originated purchase mortgages from 2024 HMDA data (the rates lenders reported to the CFPB), by product. This is a 2024 retrospective, not a live quote — for today’s rates see the live terminal.
6.625%
30-Year Fixed · median — across 25,422 originated purchase loans in
Denver (2024 HMDA). Typical range 5.625%–7.278%.
Today’s national 30-yr benchmark on RallyRates: 6.698% (live, as of 2026-08-24) —
see live rates →
| Product | 2024 median | Typical range | Loans |
|---|---|---|---|
| 30yr Fixed · Conforming | 6.625 | 5.625–7.278 | 25,422 |
| 15yr Fixed · Conforming | 5.875 | 4.750–6.750 | 356 |
| 30yr Fixed · FHA | 6.249 | 4.875–7.000 | 6,184 |
| 30yr Fixed · VA | 6.000 | 4.990–6.750 | 2,467 |
Median note rate on originated purchase loans (primary residence, single unit), Denver–Aurora–Lakewood, CO, 2024 HMDA. “Typical range” = 10th–90th percentile. All figures %, informational only — not offers of credit.
Top Denver lenders by volume (2024)
| Lender | Product | 2024 median rate |
|---|---|---|
| Lennar Mortgage, LLC | 30yr Fixed · Conforming | 4.990 |
| Homeamerican Mortgage Corporation | 30yr Fixed · Conforming | 5.500 |
| Firstbank | 30yr Fixed · Conforming | 6.250 |
| Jpmorgan Chase Bank, National Association | 30yr Fixed · Conforming | 6.500 |
| Rocket Mortgage, LLC | 30yr Fixed · Conforming | 6.625 |
| United Shore Financial Services, LLC | 30yr Fixed · Conforming | 6.625 |
| Elevations | 30yr Fixed · Conforming | 6.750 |
| Crosscountry Mortgage, Inc. | 30yr Fixed · Conforming | 6.875 |
| Fairway Independent Mortgage Corporation | 30yr Fixed · Conforming | 6.875 |
| Guild Mortgage Company | 30yr Fixed · Conforming | 6.875 |
| V.i.p. Mortgage, Inc. | 30yr Fixed · Conforming | 6.875 |
| Movement Mortgage, LLC | 30yr Fixed · Conforming | 6.990 |
Lenders ranked by originated-loan volume in the metro; rate = that lender’s median note rate on the product shown. HMDA public data carries no APR or points. 2024 vintage.
How Denver compares
| Metro | 30-yr median (2024) | Loans |
|---|---|---|
| Denver | 6.625 | 25,422 |
| Colorado Springs | 6.625 | 4,396 |
| Detroit | 6.750 | 28,941 |
| Chicago | 6.875 | 44,825 |
Ready to cite
Quote thisIn Denver–Aurora–Lakewood, CO, the median 30-year fixed note rate on originated purchase loans was 6.625% in 2024 (across 25,422 loans; typical range 5.625%–7.278%). Source: 2024 HMDA (CFPB/FFIEC), via RallyRates — rallyrates.com/denver-mortgage-rates.html.
Methodology & honest limits
- Source: the CFPB/FFIEC HMDA Data Browser — every U.S. mortgage lender reports the note rate on each originated loan. We pool the Denver–Aurora–Lakewood, CO metropolitan area, keep originated purchase loans on a primary 1-unit home, and take the median per product.
- Retrospective, not live: HMDA is annual and lags ~1 year, so these are 2024 medians — a solid picture of what the area actually paid, not today’s quote. Today’s rates are on the live terminal and the RallyRates Index.
- Neutral: no lender pays to appear or to rank; lenders are ordered by real loan volume.
- Not advice: informational only — not an offer of credit, not a substitute for a lender’s own quote for your scenario.
See today’s live rates, or run your own scenario:
Rate terminal → Calculator →