Colorado Springs, CO Mortgage Rates
Live Mortgage Rates in Colorado Springs, Colorado
6.490%
Colorado Springs Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 3:16 PM UTC
Sourced live from hundreds of wholesale lenders serving Colorado Springs and Colorado
Colorado Springs Benchmark Rates
Lowest available rate with no discount points paid in Colorado Springs, CO for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Colorado Springs, CO | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Colorado Springs, CO | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Colorado Springs, CO | 6.125% | 6.155% |
2026 Loan Limits in Colorado
Conforming
$832,750 baseline
High-cost Colorado counties go up to $1,249,125 - Colorado Springs may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Colorado counties allow more, up to $1,249,125 - check your specific county.
About Colorado Springs Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Colorado Springs, Colorado homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Colorado and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Colorado Springs property.
Your specific Colorado Springs rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Colorado lender network, use the Rate Direct pricer.
Colorado Springs buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Colorado, see the Colorado DPA guide.
Get your personalized Colorado Springs mortgage rate
The rates above are the market benchmark for Colorado Springs. Your actual rate depends on your scenario.