Huntington VA Loan Rates, Closing Costs & Stats

HUNTINGTON-ASHLAND, WV-KY-OH

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    • 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.

    Huntington's 61 lenders originated 361 VA loans during 2023. The total origination value was $80,085,000, with an average VA loan value of $221,842.

    Huntington VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Huntington averaged 6.39% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Huntington's average VA mortgage closing costs are $4,603.

    The average rate for the prior week (2025-02-07) was 6.63% and one month ago for the week of 2025-01-10, the average rate was 6.46%.

    The average rate one year ago was 6.29%.

    For refis of the same type during the week of 2025-02-14, the average rate was 7.1%.

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

    Huntington 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 Huntington level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 94 6.88% $4,505
    MOVEMENT MORTGAGE, LLC 23 6.42% $6,949
    LOANDEPOT.COM, LLC 18 6.89% $7,614
    UNITED WHOLESALE MORTGAGE, LLC 17 6.55% $5,935
    USAA Federal Savings Bank 17 6.46% $7,858
    PRIMELENDING, A PLAINSCAPITAL COMPANY 17 6.97% $4,514
    QUICKEN LOANS, LLC 16 6.32% $7,994
    PENNYMAC LOAN SERVICES, LLC 13 5.62% $5,626
    NAVY FEDERAL CREDIT UNION 12 5.75% $6,404
    AMERISAVE MORTGAGE CORPORATION 9 5.81% $9,464
    STOCKTON MORTGAGE CORPORATION 8 6.94% $6,777
    Barrington Bank & Trust Company, N.A. 6 6.50% $6,042
    The Huntington National Bank 6 6.51% $3,984
    NEW DAY FINANCIAL, LLC 5 7.72% $7,186
    Fifth Third Bank 5 6.45% $5,632
    VILLAGE CAPITAL MORTGAGE 5 6.43% $8,100
    CALIBER HOME LOANS, INC. 4 6.75% $4,149
    Wells Fargo Bank 3 5.63% $7,104
    Mr. Cooper ( Nationstar Mortgage ) 3 6.58% $7,954
    NEWREZ LLC 3 7.08% $4,166
    U.S. Bank 3 7.00% $5,602
    PNC Bank 2 6.69% $2,828
    MID AMERICA MORTGAGE, INC. 2 6.69% $3,701
    NBKC BANK 2 5.19% $3,513
    BAYSHORE MORTGAGE FUNDING, LLC 2 7.19% $11,022
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.75% $0
    FREEDOM MORTGAGE CORPORATION 2 6.06% $2,707
    CROSSCOUNTRY MORTGAGE, LLC 2 6.44% $5,294
    Equity Prime Mortgage LLC 2 6.50% $3,147
    LAKEVIEW LOAN SERVICING, LLC 2 5.69% $6,496
    United Bank 2 6.25% $3,366
    SUCCESS MORTGAGE PARTNERS, INC. 2 6.81% $13,055
    Carrington Mortgage Services, LLC 2 5.31% $4,249
    WesBanco 1 6.63% $3,385
    ASHLAND Credit Union 1 7.13% $0
    BNC National Bank 1 5.63% $13,335
    BROKER SOLUTIONS, INC. 1 7.13% $4,258
    CARDINAL FINANCIAL 1 5.88% $9,807
    Century Mortgage Company DBA Century Lending Company 1 6.63% $8,203
    DESCO 1 7.13% $0
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.13% $3,127
    Gateway First Bank 1 6.25% $9,384
    GoPrime Mortgage, Inc. 1 6.63% $8,082
    GUARANTEED RATE AFFINITY, LLC 1 5.68% $0
    GUARANTEED RATE, INC. 1 6.75% $9,416
    GUILD MORTGAGE COMPANY 1 7.13% $4,443
    JPMorgan Chase Bank 1 7.25% $500
    Magnolia Bank 1 6.25% $12,766
    North American Savings Bank, F.S.B. 1 5.50% $600
    PENTAGON FEDERAL CREDIT UNION 1 7.00% $4,366
    PLANET HOME LENDING, LLC 1 6.38% $7,902
    POLARIS HOME FUNDING CORP. 1 7.25% $7,494
    ROYAL UNITED MORTGAGE LLC 1 8.13% $7,411
    SUMMIT FUNDING, INC. 1 5.63% $2,483
    SUN WEST MORTGAGE COMPANY, INC. 1 6.47% $2,934
    T2 FINANCIAL LLC 1 6.75% $675
    Truist 1 6.25% $3,756
    Univest Bank and Trust Co. 1 6.38% $9,762
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.13% $21,184
    Victorian Finance, LLC 1 7.25% $5,594
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.25% $7,494

    The top Huntington VA lender as defined by loan originations is Mortgage Research Center, LLC, with 94 VA loans originated. Their average total fees are $4,505, which is $2,444 lower than the next largest lender, MOVEMENT MORTGAGE, LLC.

    The lowest fee Huntington VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,505), PRIMELENDING, A PLAINSCAPITAL COMPANY ($4,514), PENNYMAC LOAN SERVICES, LLC ($5,626), UNITED WHOLESALE MORTGAGE, LLC ($5,935) and NAVY FEDERAL CREDIT UNION ($6,404).

    The lowest rate Huntington VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.62%), NAVY FEDERAL CREDIT UNION (5.75%), QUICKEN LOANS, LLC (6.32%), MOVEMENT MORTGAGE, LLC (6.42%) and USAA Federal Savings Bank (6.46%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Huntington (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 $134,400 (0.3%) $188,168 (3.3%) 0.50 1,712
    2018-02-01 $134,900 (1.1%) $192,101 (6.5%) 0.49 1,692
    2018-03-01 $135,000 (0.0%) $193,902 (7.0%) 0.48 1,678
    2018-04-01 $136,737 (-1.6%) $192,877 (2.5%) 0.47 1,711
    2018-05-01 $138,825 (-0.3%) $196,100 (3.1%) 0.47 1,748
    2018-06-01 $144,000 (2.9%) $198,088 (3.0%) 0.48 1,796
    2018-07-01 $145,250 (4.1%) $199,851 (4.6%) 0.49 1,873
    2018-08-01 $144,900 (6.6%) $199,088 (7.2%) 0.49 1,908
    2018-09-01 $147,250 (9.2%) $198,912 (8.0%) 0.50 1,907
    2018-10-01 $144,950 (8.8%) $196,364 (6.4%) 0.49 1,881
    2018-11-01 $142,500 (8.6%) $192,357 (4.0%) 0.48 1,877
    2018-12-01 $139,900 (7.7%) $191,525 (2.1%) 0.48 1,820
    2019-01-01 $139,900 (4.1%) $189,977 (1.0%) 0.48 1,682
    2019-02-01 $138,625 (2.8%) $189,814 (-1.2%) 0.46 1,646
    2019-03-01 $139,214 (3.1%) $192,566 (-0.7%) 0.45 1,642
    2019-04-01 $139,700 (2.2%) $195,454 (1.3%) 0.44 1,626
    2019-05-01 $142,425 (2.6%) $196,083 (0.0%) 0.44 1,602
    2019-06-01 $142,500 (-1.0%) $194,269 (-1.9%) 0.44 1,619
    2019-07-01 $139,950 (-3.7%) $190,962 (-4.5%) 0.44 1,641
    2019-08-01 $140,336 (-3.2%) $191,436 (-3.8%) 0.44 1,664
    2019-09-01 $140,091 (-4.9%) $191,444 (-3.8%) 0.45 1,673
    2019-10-01 $139,900 (-3.5%) $191,450 (-2.5%) 0.45 1,675
    2019-11-01 $139,425 (-2.2%) $195,165 (1.5%) 0.46 1,612
    2019-12-01 $134,900 (-3.6%) $193,155 (0.9%) 0.45 1,564
    2020-01-01 $129,900 (-7.2%) $191,302 (0.7%) 0.43 1,460
    2020-02-01 $129,900 (-6.3%) $193,191 (1.8%) 0.43 1,440
    2020-03-01 $129,900 (-6.7%) $191,086 (-0.8%) 0.41 1,373
    2020-04-01 $129,900 (-7.0%) $192,964 (-1.3%) 0.41 1,297
    2020-05-01 $134,900 (-5.3%) $193,572 (-1.3%) 0.40 1,205
    2020-06-01 $144,250 (1.2%) $205,874 (6.0%) 0.42 1,067
    2020-07-01 $148,950 (6.4%) $204,449 (7.1%) 0.43 1,031
    2020-08-01 $145,750 (3.9%) $207,583 (8.4%) 0.42 909
    2020-09-01 $148,950 (6.3%) $207,948 (8.6%) 0.43 852
    2020-10-01 $144,950 (3.6%) $205,583 (7.4%) 0.42 858
    2020-11-01 $139,900 (0.3%) $195,843 (0.4%) 0.41 819
    2020-12-01 $135,000 (0.1%) $188,185 (-2.6%) 0.40 777
    2021-01-01 $129,950 (0.0%) $185,347 (-3.1%) 0.39 725
    2021-02-01 $124,625 (-4.1%) $175,057 (-9.4%) 0.36 650
    2021-03-01 $119,975 (-7.6%) $178,198 (-6.7%) 0.34 603
    2021-04-01 $116,850 (-10.1%) $190,252 (-1.4%) 0.32 551
    2021-05-01 $123,900 (-8.2%) $205,443 (6.1%) 0.33 536
    2021-06-01 $130,000 (-9.9%) $215,715 (4.8%) 0.34 503
    2021-07-01 $139,900 (-6.1%) $225,941 (10.5%) 0.37 549
    2021-08-01 $150,000 (2.9%) $226,481 (9.1%) 0.40 573
    2021-09-01 $154,000 (3.4%) $230,901 (11.0%) 0.41 581
    2021-10-01 $149,900 (3.4%) $220,152 (7.1%) 0.40 651
    2021-11-01 $149,450 (6.8%) $218,477 (11.6%) 0.40 657
    2021-12-01 $149,450 (10.7%) $220,822 (17.3%) 0.41 605
    2022-01-01 $146,250 (12.5%) $222,859 (20.2%) 0.39 535
    2022-02-01 $139,450 (11.9%) $224,662 (28.3%) 0.36 464
    2022-03-01 $149,900 (24.9%) $246,701 (38.4%) 0.37 421
    2022-04-01 $165,000 (41.2%) $272,903 (43.4%) 0.39 400
    2022-05-01 $177,000 (42.9%) $252,792 (23.1%) 0.40 432
    2022-06-01 $179,950 (38.4%) $244,944 (13.6%) 0.40 535
    2022-07-01 $175,000 (25.1%) $243,468 (7.8%) 0.39 567
    2022-08-01 $171,200 (14.1%) $243,582 (7.6%) 0.40 600
    2022-09-01 $177,000 (14.9%) $246,876 (6.9%) 0.41 648
    2022-10-01 $179,900 (20.0%) $243,049 (10.4%) 0.42 635
    2022-11-01 $175,000 (17.1%) $250,084 (14.5%) 0.42 652
    2022-12-01 $164,900 (10.3%) $248,009 (12.3%) 0.40 611
    2023-01-01 $159,900 (9.3%) $244,669 (9.8%) 0.40 558
    2023-02-01 $174,900 (25.4%) $252,672 (12.5%) 0.42 496
    2023-03-01 $177,750 (18.6%) $265,488 (7.6%) 0.41 459
    2023-04-01 $179,900 (9.0%) $263,323 (-3.5%) 0.41 433
    2023-05-01 $177,450 (0.3%) $262,655 (3.9%) 0.40 429
    2023-06-01 $185,600 (3.1%) $263,399 (7.5%) 0.41 454
    2023-07-01 $185,000 (5.7%) $268,954 (10.5%) 0.42 484
    2023-08-01 $179,450 (4.8%) $264,571 (8.6%) 0.41 534
    2023-09-01 $179,900 (1.6%) $261,335 (5.9%) 0.42 563
    2023-10-01 $194,450 (8.1%) $277,305 (14.1%) 0.46 594
    2023-11-01 $185,000 (5.7%) $261,097 (4.4%) 0.44 586
    2023-12-01 $180,000 (9.2%) $249,320 (0.5%) 0.44 586
    2024-01-01 $180,000 (12.6%) $246,264 (0.7%) 0.44 550
    2024-02-01 $174,925 (0.0%) $239,995 (-5.0%) 0.41 529
    2024-03-01 $179,950 (1.2%) $253,478 (-4.5%) 0.42 491
    2024-04-01 $199,925 (11.1%) $268,669 (2.0%) 0.46 496
    2024-05-01 $216,950 (22.3%) $279,887 (6.6%) 0.50 493
    2024-06-01 $219,000 (18.0%) $278,067 (5.6%) 0.47 507
    2024-07-01 $202,000 (9.2%) $271,588 (1.0%) 0.46 541
    2024-08-01 $209,500 (16.8%) $279,899 (5.8%) 0.48 549
    2024-09-01 $208,433 (15.9%) $279,203 (6.8%) 0.48 621
    2024-10-01 $203,933 (4.9%) $271,519 (-2.1%) 0.47 643
    2024-11-01 $215,000 (16.2%) $274,264 (5.0%) 0.50 623
    2024-12-01 $206,450 (14.7%) $268,108 (7.5%) 0.51 625
    2025-01-01 $199,900 (11.1%) $259,191 (5.3%) 0.00 584
    Huntington's median listing price for 2025-01-01 was $199,900, a difference of $19,900 (11.1%) versus the prior year and $-6,550 versus the prior month.

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

    Huntington's average listing price for 2025-01-01 was $259,191, a difference of $12,927 (5.3%) versus the prior year and $-8,917 versus the prior month.

    For the 2025-01-01 period, Huntington had 584 MLS listings, a difference of -41 listings (-7%) versus the prior month and 34 listings (6%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Huntington (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 110 days 1,751 sqft
    2018-02-01 105 days 1,759 sqft
    2018-03-01 88 days 1,771 sqft
    2018-04-01 80 days 1,788 sqft
    2018-05-01 75 days 1,800 sqft
    2018-06-01 80 days 1,811 sqft
    2018-07-01 78 days 1,813 sqft
    2018-08-01 78 days 1,829 sqft
    2018-09-01 79 days 1,834 sqft
    2018-10-01 86 days 1,817 sqft
    2018-11-01 91 days 1,800 sqft
    2018-12-01 100 days 1,800 sqft
    2019-01-01 108 days 1,800 sqft
    2019-02-01 107 days 1,776 sqft
    2019-03-01 97 days 1,767 sqft
    2019-04-01 83 days 1,767 sqft
    2019-05-01 78 days 1,778 sqft
    2019-06-01 75 days 1,776 sqft
    2019-07-01 78 days 1,779 sqft
    2019-08-01 77 days 1,774 sqft
    2019-09-01 80 days 1,771 sqft
    2019-10-01 82 days 1,764 sqft
    2019-11-01 88 days 1,738 sqft
    2019-12-01 98 days 1,741 sqft
    2020-01-01 107 days 1,726 sqft
    2020-02-01 102 days 1,722 sqft
    2020-03-01 92 days 1,694 sqft
    2020-04-01 88 days 1,676 sqft
    2020-05-01 92 days 1,704 sqft
    2020-06-01 89 days 1,779 sqft
    2020-07-01 74 days 1,797 sqft
    2020-08-01 72 days 1,783 sqft
    2020-09-01 69 days 1,782 sqft
    2020-10-01 66 days 1,800 sqft
    2020-11-01 66 days 1,762 sqft
    2020-12-01 72 days 1,685 sqft
    2021-01-01 82 days 1,680 sqft
    2021-02-01 84 days 1,601 sqft
    2021-03-01 74 days 1,569 sqft
    2021-04-01 64 days 1,570 sqft
    2021-05-01 47 days 1,600 sqft
    2021-06-01 50 days 1,615 sqft
    2021-07-01 50 days 1,700 sqft
    2021-08-01 43 days 1,704 sqft
    2021-09-01 50 days 1,723 sqft
    2021-10-01 51 days 1,676 sqft
    2021-11-01 56 days 1,612 sqft
    2021-12-01 64 days 1,608 sqft
    2022-01-01 76 days 1,598 sqft
    2022-02-01 82 days 1,584 sqft
    2022-03-01 65 days 1,685 sqft
    2022-04-01 48 days 1,772 sqft
    2022-05-01 42 days 1,805 sqft
    2022-06-01 35 days 1,853 sqft
    2022-07-01 45 days 1,828 sqft
    2022-08-01 51 days 1,813 sqft
    2022-09-01 52 days 1,850 sqft
    2022-10-01 57 days 1,848 sqft
    2022-11-01 64 days 1,822 sqft
    2022-12-01 79 days 1,806 sqft
    2023-01-01 82 days 1,800 sqft
    2023-02-01 82 days 1,813 sqft
    2023-03-01 65 days 1,814 sqft
    2023-04-01 54 days 1,854 sqft
    2023-05-01 50 days 1,801 sqft
    2023-06-01 48 days 1,797 sqft
    2023-07-01 49 days 1,865 sqft
    2023-08-01 43 days 1,810 sqft
    2023-09-01 45 days 1,800 sqft
    2023-10-01 50 days 1,856 sqft
    2023-11-01 53 days 1,781 sqft
    2023-12-01 59 days 1,744 sqft
    2024-01-01 70 days 1,717 sqft
    2024-02-01 76 days 1,690 sqft
    2024-03-01 66 days 1,721 sqft
    2024-04-01 56 days 1,760 sqft
    2024-05-01 50 days 1,808 sqft
    2024-06-01 47 days 1,768 sqft
    2024-07-01 50 days 1,726 sqft
    2024-08-01 46 days 1,784 sqft
    2024-09-01 44 days 1,808 sqft
    2024-10-01 49 days 1,774 sqft
    2024-11-01 59 days 1,790 sqft
    2024-12-01 66 days 1,800 sqft
    2025-01-01 0 days 1,779 sqft
    Huntington's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Huntington's median square footage for active listings during the 2025-01-01 period was 1,779 sqft. One year prior, the average listing was 1,717 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.