Colorado mortgage rates November 13, 2026: $180 from zero
On November 13, 2026 at 12:05 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% (6.782% APR) with $180 in lender credit, the price nearest $0 of the nine states in RateVerdict's daily posts that day (source: RateVerdict Colorado rate table).
The short answer for November 13, 2026
RateVerdict priced one Colorado loan at 12:05 PM ET on Friday, November 13, 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 13, 2026, 12:05 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.782% APR and $180 in lender credit. The top of the table was 6.125%, with a 6.508% APR and $14,808 in points (same source and time).
Nearly a true zero
Colorado's 6.750% (6.782% APR) came with -0.045 points, a $180 credit. Of the nine states in today's daily posts, that was the price nearest $0 at the closest-to-$0 rate. The others ranged from a $500 cost to a $1,100 credit (source: RateVerdict state rate tables, November 13, 2026).
On the Colorado history page, the marker has landed nearer $0 on only two weekdays since October 30: November 3 ($152 cost) and November 9 ($104 credit) (source: RateVerdict Colorado rate history).
What one more step added
The next rate up, 6.875%, came with $500 in lender credit and a 6.904% APR. Taking 0.125% more rate added only $320 of credit on the $400,000 sample loan (source: RateVerdict Colorado rate table, as of November 13, 2026, 12:05 PM ET).
Further down, the steps were larger. From 6.875% (6.904% APR) to 7.000% (7.041% APR) the credit grew by $1,120.
When two neighboring rates are priced this close together, the lower rate usually gives up very little credit. Check the dollar gap before you take the higher rate.
| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.625% | 6.754% | 1.068 | $4,272 cost |
| 6.750% | 6.782% | -0.045 | $180 credit |
| 6.875% | 6.904% | -0.125 | $500 credit |
| 7.000% | 7.041% | -0.405 | $1,620 credit |
Friday'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% | 6.508% | 3.702 | $14,808 cost |
| 6.250% | 6.571% | 3.060 | $12,240 cost |
| 6.375% | 6.634% | 2.438 | $9,752 cost |
| 6.500% | 6.690% | 1.704 | $6,816 cost |
| 6.625% | 6.754% | 1.068 | $4,272 cost |
| 6.750% | 6.782% | -0.045 | $180 credit |
| 6.875% | 6.904% | -0.125 | $500 credit |
| 7.000% | 7.041% | -0.405 | $1,620 credit |
| 7.125% | 7.149% | -0.822 | $3,288 credit |
| 7.250% | 7.274% | -1.251 | $5,004 credit |
| 7.375% | 7.400% | -1.653 | $6,612 credit |
| 7.500% | 7.524% | -2.043 | $8,172 credit |
A Colorado recording rule
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 13, 2026?
It was 6.750% with a 6.782% APR and $180 in lender credit for the $400,000 Colorado sample refinance with 780+ credit (source: RateVerdict Colorado rate table, November 13, 2026, 12:05 PM ET).
How much more credit did 6.875% bring in Colorado on November 13, 2026?
$320 more than 6.750%: 6.875% (6.904% APR) came with $500 in lender credit on the $400,000 sample loan (source: RateVerdict Colorado rate table, November 13, 2026, 12:05 PM ET).
Has the Colorado closest-to-$0 rate been nearer $0 than $180?
Yes, twice since October 30: $152 cost on November 3 and $104 credit on November 9, 2026 (source: RateVerdict Colorado rate history).
What does a small lender credit mean at closing?
It lowers the cash you bring to closing by that amount. It usually goes only toward closing costs and prepaid items on that loan.
Does Colorado charge a documentary fee on a refinance?
Colorado's documentary fee is tied to recording a deed that grants or conveys title, measured by the price paid (source: C.R.S. 39-13-102). Ask your title company what applies to you.
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 13, 2026, 12:05 PM ET
- RateVerdict, Colorado mortgage rate historyas of October 30 to November 13, 2026 weekday snapshots
- RateVerdict, mortgage rates by stateas of November 13, 2026
- RateVerdict, rate tool for your own loanas of November 13, 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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