Findlay VA Loan Rates, Closing Costs & Stats

Findlay, OH

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets

    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Findlay's 26 lenders originated 100 VA loans during 2024. The total origination value was $27,630,000, with an average VA loan value of $276,300.

    Findlay VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Findlay averaged 6.89% for the week of 2025-06-27, compared to the national average (all VA variants) of 6.336% for the same period.

    Findlay's average VA mortgage closing costs are $5,811.

    The average rate for the prior week (2025-06-20) was 6.79% and one month ago for the week of 2025-05-23, the average rate was 6.96%.

    The average rate one year ago was 7.09%.

    For refis of the same type during the week of 2025-06-27, the average rate was 6.87%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Findlay VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Findlay level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    LOANDEPOT.COM, LLC 23 6.39% $6,031
    Mortgage Research Center, LLC 19 6.43% $5,217
    GUARANTEED RATE, INC. 12 6.72% $5,983
    FREEDOM MORTGAGE CORPORATION 5 6.35% $10,178
    QUICKEN LOANS, LLC 5 6.47% $9,416
    UNION HOME MORTGAGE CORP. 4 6.78% $12,616
    NEW DAY FINANCIAL, LLC 3 6.91% $12,187
    UNITED WHOLESALE MORTGAGE, LLC 2 6.37% $16,178
    Carrington Mortgage Services, LLC 2 6.63% $10,435
    First Federal Bank of the Midwest 2 5.94% $4,103
    NEWREZ LLC 1 6.25% $3,621
    PENNYMAC LOAN SERVICES, LLC 1 5.63% $6,553
    POLARIS HOME FUNDING CORP. 1 7.25% $3,162
    The Huntington National Bank 1 6.38% $6,829
    USAA Federal Savings Bank 1 6.63% $3,416
    AMERICAN FINANCIAL NETWORK, INC. 1 6.50% $16,031
    U.S. Bank 1 6.25% $3,907
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.25% $5,303
    Blue Ridge Bank 1 6.50% $7,769
    Cornerstone First Mortgage, Inc 1 6.25% $12,076
    CROSSCOUNTRY MORTGAGE, LLC 1 7.13% $4,104
    EQUITY RESOURCES, INC. 1 7.63% $1,760
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $8,259
    FLAT BRANCH MORTGAGE, INC. 1 6.88% $14,976
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $2,690
    JPMorgan Chase Bank 1 7.00% $500

    The top Findlay VA lender as defined by loan originations is LOANDEPOT.COM, LLC, with 23 VA loans originated. Their average total fees are $6,031, which is $814 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Findlay VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,217), GUARANTEED RATE, INC. ($5,983), LOANDEPOT.COM, LLC ($6,031), .

    The lowest rate Findlay VA lenders (with over 10 loans originated) are LOANDEPOT.COM, LLC (6.39%), Mortgage Research Center, LLC (6.43%), GUARANTEED RATE, INC. (6.72%), .

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.