Colorado mortgage rates November 12, 2026: the price of 0.125%
On November 12, 2026 at 12:06 PM ET, RateVerdict priced a $400,000 30-year fixed Colorado refinance with 780+ credit and the rate closest to $0 at closing was 6.750% (6.791% APR, $500 in points), and each 0.125% step on the table moved the price by $1,000 to $3,444 (source: RateVerdict Colorado rate table).
The short answer for November 12, 2026
RateVerdict priced one Colorado loan at 12:06 PM ET on Thursday, November 12, 2026: a $400,000 30-year fixed refinance with a credit score of 780 or higher, priced against dozens of lenders (source: RateVerdict Colorado rate table, as of November 12, 2026, 12:06 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.791% APR and $500 in points. The top of the table was 6.125%, with a 6.458% APR and $12,820 in points (same source and time).
What one step of 0.125% cost
Mortgage rates are quoted in steps of 0.125%. Each step down costs more at closing, and each step up brings less cost or more lender credit.
On Colorado's Thursday table, the step from 6.625% down to 6.500% cost $3,444 more. The step from 6.750% down to 6.625% cost $1,000 more. Across the whole table, from 7.500% to 6.125%, the price moved $22,668 (source: RateVerdict Colorado rate table, as of November 12, 2026, 12:06 PM ET).
| Step | Lower rate (APR) | Higher rate (APR) | Extra cost to take the lower rate |
|---|---|---|---|
| 6.125% vs 6.250% | 6.125% (6.458% APR) | 6.250% (6.511% APR) | $3,008 |
| 6.250% vs 6.375% | 6.250% (6.511% APR) | 6.375% (6.577% APR) | $2,440 |
| 6.375% vs 6.500% | 6.375% (6.577% APR) | 6.500% (6.644% APR) | $2,428 |
| 6.500% vs 6.625% | 6.500% (6.644% APR) | 6.625% (6.690% APR) | $3,444 |
| 6.625% vs 6.750% | 6.625% (6.690% APR) | 6.750% (6.791% APR) | $1,000 |
| 6.750% vs 6.875% | 6.750% (6.791% APR) | 6.875% (6.899% APR) | $1,792 |
| 6.875% vs 7.000% | 6.875% (6.899% APR) | 7.000% (7.024% APR) | $1,944 |
| 7.000% vs 7.125% | 7.000% (7.024% APR) | 7.125% (7.149% APR) | $1,608 |
| 7.125% vs 7.250% | 7.125% (7.149% APR) | 7.250% (7.274% APR) | $1,816 |
| 7.250% vs 7.375% | 7.250% (7.274% APR) | 7.375% (7.399% APR) | $1,716 |
| 7.375% vs 7.500% | 7.375% (7.399% APR) | 7.500% (7.524% APR) | $1,472 |
Why the steps are not the same size
Each rate is priced on its own, so the dollars between neighbors are not even. A step that costs little is one where a lower rate is cheap to buy on that day. A step that costs a lot may not be worth it unless you keep the loan long enough.
These are dated prices for one named loan, not a forecast of what the steps will cost on another day.
Thursday's full Colorado table
Every rate RateVerdict kept for the sample loan, each with its APR and its cost or credit at closing.
Today's Colorado table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
See today's Colorado rates| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.125% | 6.458% | 3.205 | $12,820 cost |
| 6.250% | 6.511% | 2.453 | $9,812 cost |
| 6.375% | 6.577% | 1.843 | $7,372 cost |
| 6.500% | 6.644% | 1.236 | $4,944 cost |
| 6.625% | 6.690% | 0.375 | $1,500 cost |
| 6.750% | 6.791% | 0.125 | $500 cost |
| 6.875% | 6.899% | -0.323 | $1,292 credit |
| 7.000% | 7.024% | -0.809 | $3,236 credit |
| 7.125% | 7.149% | -1.211 | $4,844 credit |
| 7.250% | 7.274% | -1.665 | $6,660 credit |
| 7.375% | 7.399% | -2.094 | $8,376 credit |
| 7.500% | 7.524% | -2.462 | $9,848 credit |
A Colorado rule worth knowing
Colorado charges a documentary fee when a deed that grants or conveys title to real property is recorded, measured by the price paid for the property. (source: C.R.S. 39-13-102 (Colorado Revised Statutes 2024, Title 39)).
See today's rate for your scenario
This post is one sample loan on one day. The Colorado rate table on this site shows the current weekday table, and the Colorado rate history page keeps past weekday snapshots. To compare states, see mortgage rates by state. To price your own balance, home value and credit range, use the rate tool on this site, with every rate shown beside its APR.
Common questions
What was the 30-year fixed refinance rate closest to $0 at closing in Colorado on November 12, 2026?
It was 6.750% with a 6.791% APR and $500 in points for the $400,000 Colorado sample refinance with 780+ credit (source: RateVerdict Colorado rate table, November 12, 2026, 12:06 PM ET).
How much did a 0.125% lower rate cost in Colorado on November 12, 2026?
It depended on the step: from $1,000 (6.750% to 6.625%) up to $3,444 (6.625% to 6.500%) on the $400,000 sample loan (source: RateVerdict Colorado rate table, November 12, 2026, 12:06 PM ET).
Why does each 0.125% step cost a different amount?
Each rate is priced separately from lender rate sheets, so the dollars between neighboring rates are not evenly spaced. Check the dollar change for the exact step you are weighing.
How do I know if paying for a lower rate is worth it?
Divide the extra cost by the monthly savings it buys to see how many months it takes to earn it back, then compare that with how long you expect to keep the loan.
Does Colorado charge a documentary fee on a refinance?
Colorado's documentary fee is charged when a deed that grants or conveys title is recorded, measured by the price paid (source: C.R.S. 39-13-102). Ask your title company what applies to your refinance.
See today's Colorado rates
Today's Colorado table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
Sources
- RateVerdict, Colorado mortgage rates today (weekday midday snapshot)as of November 12, 2026, 12:06 PM ET
- RateVerdict, Colorado mortgage rate historyas of November 12, 2026 snapshot
- RateVerdict, mortgage rates by stateas of November 12, 2026
- RateVerdict, rate tool for your own loanas of November 12, 2026
- C.R.S. 39-13-102 (Colorado Revised Statutes 2024, Title 39)as of checked October 2026
This article is educational and is not an offer to lend, a rate lock, or a commitment to lend. Rates and terms depend on a complete application and are subject to credit approval, underwriting, and program guidelines. Any figure shown comes from our pricing engines or a cited source with its as-of date. See how we get our numbers on the methodology page.
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