Findlay VA Loan Rates, Closing Costs & Stats

Findlay, OH

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 6.82% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

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

    The average rate for the prior week (2025-03-28) was 6.74% and one month ago for the week of 2025-02-28, the average rate was 6.61%.

    The average rate one year ago was 6.82%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.6%.

    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%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Findlay (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $179,900 (20.0%) $243,234 (18.7%) 0.00 195
    2018-02-01 $169,600 (0.4%) $241,873 (9.8%) 0.00 194
    2018-03-01 $179,900 (4.9%) $242,514 (6.4%) 0.00 191
    2018-04-01 $194,350 (8.0%) $253,523 (10.7%) 0.00 191
    2018-05-01 $192,725 (15.2%) $255,756 (19.6%) 0.00 195
    2018-06-01 $189,900 (16.4%) $247,975 (19.3%) 0.00 223
    2018-07-01 $189,900 (11.9%) $248,704 (14.9%) 0.00 233
    2018-08-01 $182,400 (7.4%) $239,584 (6.2%) 0.00 235
    2018-09-01 $179,900 (8.1%) $241,138 (8.1%) 0.00 237
    2018-10-01 $186,175 (10.2%) $244,212 (8.3%) 0.00 219
    2018-11-01 $186,565 (9.8%) $243,234 (0.8%) 0.00 215
    2018-12-01 $192,900 (7.2%) $252,069 (3.8%) 0.00 180
    2019-01-01 $191,200 (6.3%) $250,416 (3.0%) 0.00 177
    2019-02-01 $183,400 (8.1%) $249,535 (3.2%) 0.00 177
    2019-03-01 $201,329 (11.9%) $262,769 (8.4%) 0.00 168
    2019-04-01 $229,550 (18.1%) $274,118 (8.1%) 0.00 173
    2019-05-01 $239,575 (24.3%) $275,554 (7.7%) 0.00 164
    2019-06-01 $221,900 (16.9%) $266,630 (7.5%) 0.00 186
    2019-07-01 $204,925 (7.9%) $262,000 (5.4%) 0.00 198
    2019-08-01 $204,518 (12.1%) $258,375 (7.8%) 0.00 202
    2019-09-01 $203,945 (13.4%) $256,838 (6.5%) 0.00 198
    2019-10-01 $203,500 (9.3%) $256,602 (5.1%) 0.00 195
    2019-11-01 $194,900 (4.5%) $246,543 (1.4%) 0.00 168
    2019-12-01 $189,850 (-1.6%) $248,804 (-1.3%) 0.00 143
    2020-01-01 $199,500 (4.3%) $259,605 (3.7%) 0.00 124
    2020-02-01 $199,500 (8.8%) $289,771 (16.1%) 0.00 97
    2020-03-01 $214,900 (6.7%) $289,619 (10.2%) 0.00 113
    2020-04-01 $203,375 (-11.4%) $287,025 (4.7%) 0.00 110
    2020-05-01 $197,900 (-17.4%) $280,875 (1.9%) 0.00 121
    2020-06-01 $262,450 (18.3%) $320,844 (20.3%) 0.00 113
    2020-07-01 $254,450 (24.2%) $316,387 (20.8%) 0.00 138
    2020-08-01 $229,900 (12.4%) $306,556 (18.7%) 0.00 133
    2020-09-01 $227,450 (11.5%) $312,289 (21.6%) 0.00 129
    2020-10-01 $209,900 (3.1%) $277,752 (8.2%) 0.00 152
    2020-11-01 $199,200 (2.2%) $277,557 (12.6%) 0.00 151
    2020-12-01 $192,900 (1.6%) $275,059 (10.6%) 0.00 136
    2021-01-01 $204,400 (2.5%) $269,601 (3.9%) 0.00 116
    2021-02-01 $209,900 (5.2%) $292,236 (0.9%) 0.00 88
    2021-03-01 $244,950 (14.0%) $333,113 (15.0%) 0.00 72
    2021-04-01 $261,175 (28.4%) $342,572 (19.4%) 0.00 72
    2021-05-01 $253,950 (28.3%) $346,661 (23.4%) 0.00 80
    2021-06-01 $260,775 (-0.6%) $360,193 (12.3%) 0.00 89
    2021-07-01 $247,500 (-2.7%) $326,626 (3.2%) 0.00 113
    2021-08-01 $224,900 (-2.2%) $306,429 (0.0%) 0.00 137
    2021-09-01 $221,200 (-2.8%) $302,431 (-3.2%) 0.00 145
    2021-10-01 $216,300 (3.1%) $284,144 (2.3%) 0.00 135
    2021-11-01 $223,350 (12.1%) $267,964 (-3.5%) 0.00 134
    2021-12-01 $207,000 (7.3%) $246,442 (-10.4%) 0.00 104
    2022-01-01 $218,350 (6.8%) $261,037 (-3.2%) 0.00 67
    2022-02-01 $213,450 (1.7%) $286,331 (-2.0%) 0.00 62
    2022-03-01 $214,900 (-12.3%) $294,059 (-11.7%) 0.00 49
    2022-04-01 $259,900 (-0.5%) $319,108 (-6.9%) 0.00 48
    2022-05-01 $258,425 (1.8%) $310,428 (-10.5%) 0.00 60
    2022-06-01 $249,900 (-4.2%) $300,027 (-16.7%) 0.00 94
    2022-07-01 $254,950 (3.0%) $302,446 (-7.4%) 0.00 107
    2022-08-01 $247,175 (9.9%) $292,340 (-4.6%) 0.00 111
    2022-09-01 $234,500 (6.0%) $293,024 (-3.1%) 0.00 118
    2022-10-01 $237,400 (9.8%) $294,506 (3.7%) 0.00 111
    2022-11-01 $230,000 (3.0%) $295,645 (10.3%) 0.00 112
    2022-12-01 $229,900 (11.1%) $272,922 (10.8%) 0.00 101
    2023-01-01 $221,000 (1.2%) $277,568 (6.3%) 0.00 92
    2023-02-01 $209,900 (-1.7%) $290,038 (1.3%) 0.00 74
    2023-03-01 $217,400 (1.2%) $305,159 (3.8%) 0.00 70
    2023-04-01 $238,950 (-8.1%) $331,287 (3.8%) 0.00 72
    2023-05-01 $242,175 (-6.3%) $343,118 (10.5%) 0.00 75
    2023-06-01 $254,900 (2.0%) $354,367 (18.1%) 0.00 95
    2023-07-01 $282,450 (10.8%) $359,885 (19.0%) 0.00 97
    2023-08-01 $267,475 (8.2%) $358,211 (22.5%) 0.00 117
    2023-09-01 $261,450 (11.5%) $344,396 (17.5%) 0.00 127
    2023-10-01 $255,675 (7.7%) $326,978 (11.0%) 0.00 126
    2023-11-01 $249,450 (8.5%) $324,312 (9.7%) 0.00 110
    2023-12-01 $239,900 (4.4%) $297,874 (9.1%) 0.00 92
    2024-01-01 $234,900 (6.3%) $300,236 (8.2%) 0.00 88
    2024-02-01 $247,400 (17.9%) $311,589 (7.4%) 0.00 68
    2024-03-01 $259,900 (19.6%) $313,704 (2.8%) 0.00 66
    2024-04-01 $254,950 (6.7%) $313,319 (-5.4%) 0.00 71
    2024-05-01 $253,700 (4.8%) $333,158 (-2.9%) 0.00 80
    2024-06-01 $260,000 (2.0%) $342,398 (-3.4%) 0.00 89
    2024-07-01 $287,475 (1.8%) $354,779 (-1.4%) 0.00 108
    2024-08-01 $259,950 (-2.8%) $327,588 (-8.6%) 0.00 116
    2024-09-01 $250,000 (-4.4%) $318,493 (-7.5%) 0.00 132
    2024-10-01 $249,700 (-2.3%) $314,085 (-3.9%) 0.00 152
    2024-11-01 $249,950 (0.2%) $315,711 (-2.7%) 0.00 153
    2024-12-01 $249,900 (4.2%) $296,103 (-0.6%) 0.00 143
    2025-01-01 $239,700 (2.0%) $275,840 (-8.1%) 0.00 126
    2025-02-01 $242,750 (-1.9%) $281,274 (-9.7%) 0.00 112
    2025-03-01 $260,000 (0.0%) $290,472 (-7.4%) 0.00 95
    Findlay's median listing price for 2025-03-01 was $260,000, a difference of $100 (0.0%) versus the prior year and $17,250 versus the prior month.

    Findlay's median listing price comes in at 0% of the national average.

    Findlay's average listing price for 2025-03-01 was $290,472, a difference of $-23,232 (-7.4%) versus the prior year and $9,198 versus the prior month.

    For the 2025-03-01 period, Findlay had 95 MLS listings, a difference of -17 listings (-15%) versus the prior month and 29 listings (44%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Findlay (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,796 sqft
    2018-02-01 0 days 1,777 sqft
    2018-03-01 0 days 1,851 sqft
    2018-04-01 0 days 1,896 sqft
    2018-05-01 0 days 1,938 sqft
    2018-06-01 0 days 1,902 sqft
    2018-07-01 0 days 1,885 sqft
    2018-08-01 0 days 1,894 sqft
    2018-09-01 0 days 1,883 sqft
    2018-10-01 0 days 1,862 sqft
    2018-11-01 0 days 1,883 sqft
    2018-12-01 0 days 1,868 sqft
    2019-01-01 0 days 1,871 sqft
    2019-02-01 0 days 1,826 sqft
    2019-03-01 0 days 1,927 sqft
    2019-04-01 0 days 2,012 sqft
    2019-05-01 0 days 2,059 sqft
    2019-06-01 0 days 1,994 sqft
    2019-07-01 0 days 1,921 sqft
    2019-08-01 0 days 1,907 sqft
    2019-09-01 0 days 1,902 sqft
    2019-10-01 0 days 1,933 sqft
    2019-11-01 0 days 1,909 sqft
    2019-12-01 0 days 1,909 sqft
    2020-01-01 0 days 1,918 sqft
    2020-02-01 0 days 1,868 sqft
    2020-03-01 0 days 1,901 sqft
    2020-04-01 0 days 1,898 sqft
    2020-05-01 0 days 1,906 sqft
    2020-06-01 0 days 2,124 sqft
    2020-07-01 0 days 2,068 sqft
    2020-08-01 0 days 1,968 sqft
    2020-09-01 0 days 2,044 sqft
    2020-10-01 0 days 1,948 sqft
    2020-11-01 0 days 1,842 sqft
    2020-12-01 0 days 1,929 sqft
    2021-01-01 0 days 1,922 sqft
    2021-02-01 0 days 1,918 sqft
    2021-03-01 0 days 2,035 sqft
    2021-04-01 0 days 2,128 sqft
    2021-05-01 0 days 1,994 sqft
    2021-06-01 0 days 1,963 sqft
    2021-07-01 0 days 1,802 sqft
    2021-08-01 0 days 1,776 sqft
    2021-09-01 0 days 1,876 sqft
    2021-10-01 0 days 1,814 sqft
    2021-11-01 0 days 1,766 sqft
    2021-12-01 0 days 1,749 sqft
    2022-01-01 0 days 1,756 sqft
    2022-02-01 0 days 1,739 sqft
    2022-03-01 0 days 1,817 sqft
    2022-04-01 0 days 1,780 sqft
    2022-05-01 0 days 1,785 sqft
    2022-06-01 0 days 1,790 sqft
    2022-07-01 0 days 1,832 sqft
    2022-08-01 0 days 1,776 sqft
    2022-09-01 0 days 1,798 sqft
    2022-10-01 0 days 1,804 sqft
    2022-11-01 0 days 1,756 sqft
    2022-12-01 0 days 1,750 sqft
    2023-01-01 0 days 1,695 sqft
    2023-02-01 0 days 1,768 sqft
    2023-03-01 0 days 1,724 sqft
    2023-04-01 0 days 1,764 sqft
    2023-05-01 0 days 1,764 sqft
    2023-06-01 0 days 1,864 sqft
    2023-07-01 0 days 1,920 sqft
    2023-08-01 0 days 1,889 sqft
    2023-09-01 0 days 1,877 sqft
    2023-10-01 0 days 1,834 sqft
    2023-11-01 0 days 1,826 sqft
    2023-12-01 0 days 1,827 sqft
    2024-01-01 0 days 1,857 sqft
    2024-02-01 0 days 1,859 sqft
    2024-03-01 0 days 1,859 sqft
    2024-04-01 0 days 1,887 sqft
    2024-05-01 0 days 1,916 sqft
    2024-06-01 0 days 1,854 sqft
    2024-07-01 0 days 1,920 sqft
    2024-08-01 0 days 1,772 sqft
    2024-09-01 0 days 1,713 sqft
    2024-10-01 0 days 1,653 sqft
    2024-11-01 0 days 1,741 sqft
    2024-12-01 0 days 1,756 sqft
    2025-01-01 0 days 1,752 sqft
    2025-02-01 0 days 1,717 sqft
    2025-03-01 0 days 1,749 sqft
    Findlay's median listing age (time on market) for 2025-03-01 was 0 days.

    Findlay's median square footage for active listings during the 2025-03-01 period was 1,749 sqft. One year prior, the average listing was 1,859 sqft.

    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.