Ogden VA Loan Rates, Closing Costs & Stats

OGDEN-CLEARFIELD, UT

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.

Ogden's 155 lenders originated 4,920 VA loans during 2021. The total origination value was $1,756,040,000, with an average VA loan value of $356,919.

Ogden VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Ogden averaged 6.33% for the week of 2022-12-02, compared to the national average (all VA variants) of 6.292% for the same period.

Ogden's average VA mortgage closing costs are $6,357.

The average rate for the prior week (2022-11-25) was 6.56% and one month ago for the week of 2022-10-28, the average rate was 7.15%.

The average rate one year ago was 3.53%.

For refis of the same type during the week of 2022-12-02, the average rate was 6.16%.

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

Ogden 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 Ogden level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 378 2.50% $6,684
QUICKEN LOANS, LLC 358 2.41% $5,874
FREEDOM MORTGAGE CORPORATION 262 2.45% $3,346
PENNYMAC LOAN SERVICES, LLC 259 2.40% $6,830
Mortgage Research Center, LLC 212 2.77% $8,952
INTERCAP LENDING INC. 166 2.74% $8,372
HOME POINT FINANCIAL CORPORATION 147 2.47% $6,595
ACADEMY MORTGAGE CORPORATION 140 2.83% $9,346
VILLAGE CAPITAL MORTGAGE 127 2.23% $4,319
The Federal Savings Bank 108 2.56% $9,731
LOANDEPOT.COM, LLC 104 2.52% $4,578
CALIBER HOME LOANS, INC. 103 2.63% $6,624
AMERICAN PACIFIC MORTGAGE CORPORATION 86 2.62% $9,960
LAKEVIEW LOAN SERVICING, LLC 73 2.50% $2,217
CITYWIDE HOME LOANS, LLC 69 2.74% $9,156
Mr. Cooper ( Nationstar Mortgage ) 69 2.64% $4,633
GOLDENWEST 65 2.33% $6,641
USAA Federal Savings Bank 61 2.86% $5,014
NAVY FEDERAL CREDIT UNION 59 2.45% $6,102
CANOPY MORTGAGE, LLC 55 2.36% $7,827
Low VA Rates, LLC 53 2.38% $5,117
FIRST COLONY MORTGAGE CORPORATION 52 2.64% $7,707
BROKER SOLUTIONS, INC. 51 2.58% $7,153
Wells Fargo Bank 51 2.62% $3,647
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 50 2.72% $10,839
GUILD MORTGAGE COMPANY 44 2.62% $6,712
NEWREZ LLC 43 2.62% $5,099
RANLIFE, INC. 42 2.61% $8,646
VERITAS FUNDING, LLC 38 2.60% $8,101
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 35 3.01% $7,621
SUN WEST MORTGAGE COMPANY, INC. 32 2.41% $4,211
NBKC BANK 32 2.45% $5,412
GUARANTEED RATE, INC. 31 2.58% $7,075
AMERICA FIRST 29 2.41% $6,630
Bank of Utah 29 2.65% $7,906
AMERICAN FINANCIAL NETWORK, INC. 25 2.53% $10,212
MY MOVE MORTGAGE, LLC 25 2.56% $8,653
SWBC MORTGAGE CORPORATION 24 2.92% $7,316
Magnolia Bank 24 2.41% $9,784
PRIMARY RESIDENTIAL MORTGAGE, INC. 22 2.95% $9,278
CROSSCOUNTRY MORTGAGE, LLC 22 2.84% $13,285
LOANPAL, LLC 22 2.40% $9,047
AMERICAN FINANCING CORPORATION 21 2.46% $7,612
VAN DYK MORTGAGE CORPORATION 21 2.77% $8,858
SECURITY HOME MORTGAGE, LLC. 19 2.47% $8,569
GUARANTEED RATE AFFINITY, LLC 19 2.47% $8,111
MOUNTAIN AMERICA 19 2.47% $5,465
AMERISAVE MORTGAGE CORPORATION 19 2.49% $9,517
Barrington Bank & Trust Company, N.A. 18 2.75% $8,016
North American Savings Bank, F.S.B. 17 2.25% $2,430
CHERRY CREEK MORTGAGE, LLC 16 2.45% $4,706
DIRECT MORTGAGE, CORP. 15 2.80% $10,737
SECURITYNATIONAL MORTGAGE COMPANY 13 2.57% $10,945
HOMEAMERICAN MORTGAGE CORPORATION 13 2.53% $3,924
STEARNS LENDING, LLC 12 2.53% $6,089
KS StateBank 12 2.26% $2,665
Flagstar Bank, FSB 12 2.59% $8,679
Carrington Mortgage Services, LLC 11 2.73% $6,044
MOVEMENT MORTGAGE, LLC 11 2.89% $10,612
Northpointe Bank 11 2.67% $10,962
BNC National Bank 10 2.26% $5,666
Century Mortgage Company DBA Century Lending Company 10 2.48% $6,980
INSPIRE HOME LOANS INC. 10 2.64% $13,790
PENTAGON FEDERAL CREDIT UNION 10 2.46% $2,198
DHI MORTGAGE COMPANY, LTD. 9 2.56% $9,780
CMG MORTGAGE, INC. 8 2.58% $5,798
CORNERSTONE HOME LENDING, INC. 8 2.95% $5,292
CITY FIRST MORTGAGE SERVICES, L.L.C. 8 2.66% $4,668
MID AMERICA MORTGAGE, INC. 8 2.86% $2,963
HOMEBRIDGE FINANCIAL SERVICES, INC. 7 2.77% $9,179
HOMESIDE FINANCIAL, LLC 7 2.59% $8,614
First Guaranty Mortgage Corporation 7 2.48% $3,178
Cache Valley Bank 7 2.38% $6,778
MORIA DEVELOPMENT, INC. 7 3.13% $5,342
Utah Mortgage Loan Corporation 7 2.89% $9,768
First Federal Bank 6 2.75% $14,647
NBH Bank 6 2.75% $8,290
J. VIRGIL, INC. 6 3.10% $15,146
PREMIA MORTGAGE, LLC 6 2.56% $6,019
First Home Bank 5 2.40% $2,342
Strong Home Mortgage, LLC 5 2.28% $1,342
Network Funding, L.P. 5 2.80% $8,243
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 2.98% $7,675
PLAZA HOME MORTGAGE, INC. 5 2.70% $3,566
SOVEREIGN LENDING GROUP INCORPORATED 5 2.48% $8,751
Watermark Capital, Inc. 5 2.35% $2,521
Mid-Continent Funding, Inc. 5 2.60% $6,009
PANORAMA MORTGAGE GROUP, LLC 5 3.00% $5,853
Florida Capital Bank 4 2.69% $6,372
The Central Trust Bank 4 2.25% $7,604
KELLER MORTGAGE, LLC 4 2.81% $9,159
Glacier Bank 4 2.88% $6,406
NP, Inc. 4 2.28% $5,299
U.S. Bank 4 2.84% $8,280
CELEBRITY HOME LOANS, LLC 4 2.94% $12,430
EVERETT FINANCIAL, INC. 4 3.47% $9,739
S1L, Inc. 4 2.59% $11,543
EAGLE HOME MORTGAGE, LLC 4 2.75% $9,094
Nations Lending Corporation 4 2.25% $8,854
UNITED SECURITY FINANCIAL CORP 3 2.17% $2,462
EVERLEND MORTGAGE COMPANY 3 2.79% $5,501
Meridian Bank Corporation 3 2.67% $4,254
Gateway First Bank 3 2.88% $4,689
Equity Prime Mortgage LLC 3 2.79% $12,018
FINANCE OF AMERICA MORTGAGE LLC 3 2.38% $4,800
Zions Bancorporation, N.A. 2 2.25% $5,167
Goldwater Bank, N.A. 2 2.44% $3,345
JPMorgan Chase Bank 2 2.75% $16,220
First Internet Bank of Indiana 2 2.44% $2,989
MUTUAL OF OMAHA MORTGAGE, INC. 2 2.44% $3,084
D. L. Evans Bank 2 2.94% $3,662
CRESCENT MORTGAGE COMPANY 2 2.31% $8,365
PARKSIDE LENDING, LLC 2 2.25% $8,115
PHH Mortgage Corporation 2 2.69% $9,453
Texana Bank 2 2.88% $3,429
Bank of England 2 2.56% $7,459
AXIA FINANCIAL, LLC 2 2.69% $5,815
Willamette Valley Bank 2 2.50% $10,798
Wyndham Capital Mortgage, Inc. 2 2.50% $5,666
Eagle Bank and Trust Company 1 2.25% $2,515
NATIONS RELIABLE LENDING, LLC 1 3.75% $16,095
Citizens Bank 1 2.25% $3,234
CHURCHILL MORTGAGE CORPORATION 1 3.00% $21,872
RMS & Associates 1 2.50% $22,291
EMBRACE HOME LOANS, INC. 1 2.88% $18,691
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 2.75% $19,303
Capital Bank 1 2.25% $1,572
MANN FINANCIAL INC. 1 2.50% $5,567
SRE MORTGAGE ALLIANCE INC. 1 2.63% $2,819
FirstBank 1 2.38% $1,866
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.75% $5,936
SUMMIT FUNDING, INC. 1 2.75% $3,629
SUN AMERICAN MORTGAGE COMPANY 1 2.88% $10,499
Sunflower Bank 1 2.25% $3,406
BAY EQUITY LLC 1 2.25% $7,203
Bank of Idaho 1 2.25% $5,794
AMERICAN INTERNET MORTGAGE, INC. 1 2.25% $3,149
JAMES B. NUTTER & COMPANY 1 2.75% $2,056
ZILLOW HOME LOANS, LLC 1 2.75% $10,270
First Savings Bank 1 3.00% $3,058
Bank of America 1 3.50% $16,944
GRANITE FEDERAL CREDIT UNION 1 2.25% $9,356
GENEVA FINANCIAL, LLC 1 2.00% $5,750
Hawthorn Bank 1 2.63% $2,938
Austin Capital Bank SSB 1 2.63% $2,254
Armed Forces Bank 1 2.75% $3,650
Victorian Finance, LLC 1 3.13% $15,123
Amerifirst Financial, Inc. 1 2.75% $11,549
Paramount Residential Mortgage Group, Inc. 1 2.75% $10,986
GoPrime Mortgage, Inc. 1 2.25% $5,742
Colonial Savings, F.A. 1 3.00% $17,836
Paramount Bank 1 2.75% $3,171
WEBER STATE FEDERAL CREDIT UNION 1 2.50% $2,762
OCMBC, INC. 1 2.25% $15,601
Core Bank 1 2.50% $9,159

The top Ogden VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 378 VA loans originated. Their average total fees are $6,684, which is $811 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Ogden VA lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION ($2,198), LAKEVIEW LOAN SERVICING, LLC ($2,217), North American Savings Bank, F.S.B. ($2,430), KS StateBank ($2,665) and FREEDOM MORTGAGE CORPORATION ($3,346).

The lowest rate Ogden VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (2.23%), North American Savings Bank, F.S.B. (2.25%), KS StateBank (2.26%), BNC National Bank (2.26%) and GOLDENWEST (2.33%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Ogden (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 $350,700 (7.9%) $413,450 (9.9%) 1.30 1,036
2018-02-01 $366,950 (4.5%) $439,011 (9.8%) 1.33 941
2018-03-01 $379,950 (4.0%) $457,408 (10.0%) 1.33 956
2018-04-01 $386,200 (3.8%) $463,257 (8.9%) 1.31 1,022
2018-05-01 $384,950 (4.2%) $465,903 (10.7%) 1.29 1,151
2018-06-01 $384,700 (5.2%) $466,443 (11.7%) 1.28 1,266
2018-07-01 $378,700 (8.2%) $460,206 (13.5%) 1.26 1,409
2018-08-01 $373,250 (9.8%) $447,646 (11.5%) 1.25 1,562
2018-09-01 $368,900 (11.6%) $439,322 (11.7%) 1.24 1,718
2018-10-01 $364,900 (10.6%) $440,159 (11.1%) 1.23 1,720
2018-11-01 $364,500 (9.7%) $441,934 (11.7%) 1.24 1,644
2018-12-01 $369,925 (8.8%) $454,460 (14.7%) 1.28 1,497
2019-01-01 $379,900 (8.3%) $472,259 (14.2%) 1.31 1,324
2019-02-01 $384,900 (4.9%) $476,893 (8.6%) 1.30 1,253
2019-03-01 $396,943 (4.5%) $494,741 (8.2%) 1.30 1,210
2019-04-01 $407,495 (5.5%) $503,726 (8.7%) 1.29 1,262
2019-05-01 $399,125 (3.7%) $492,137 (5.6%) 1.25 1,404
2019-06-01 $390,000 (1.4%) $485,324 (4.1%) 1.22 1,476
2019-07-01 $382,523 (1.0%) $476,880 (3.6%) 1.20 1,560
2019-08-01 $374,535 (0.3%) $472,708 (5.6%) 1.19 1,589
2019-09-01 $363,546 (-1.5%) $462,380 (5.3%) 1.16 1,653
2019-10-01 $356,221 (-2.4%) $457,828 (4.0%) 1.15 1,681
2019-11-01 $359,900 (-1.3%) $459,491 (4.0%) 1.18 1,526
2019-12-01 $372,450 (0.7%) $479,084 (5.4%) 1.24 1,225
2020-01-01 $387,450 (2.0%) $525,226 (11.2%) 1.29 1,012
2020-02-01 $396,450 (3.0%) $552,137 (15.8%) 1.30 878
2020-03-01 $399,475 (0.6%) $566,350 (14.5%) 1.25 924
2020-04-01 $392,500 (-3.7%) $509,961 (1.2%) 1.23 1,185
2020-05-01 $414,900 (4.0%) $557,564 (13.3%) 1.26 1,003
2020-06-01 $439,225 (12.6%) $603,023 (24.3%) 1.29 862
2020-07-01 $444,000 (16.1%) $609,391 (27.8%) 1.29 739
2020-08-01 $425,000 (13.5%) $609,969 (29.0%) 1.22 619
2020-09-01 $427,450 (17.6%) $614,568 (32.9%) 1.22 544
2020-10-01 $434,900 (22.1%) $653,746 (42.8%) 1.25 487
2020-11-01 $440,000 (22.3%) $691,607 (50.5%) 1.28 436
2020-12-01 $446,225 (19.8%) $734,875 (53.4%) 1.33 347
2021-01-01 $459,000 (18.5%) $733,335 (39.6%) 1.37 287
2021-02-01 $453,486 (14.4%) $761,532 (37.9%) 1.32 248
2021-03-01 $452,000 (13.2%) $742,899 (31.2%) 1.28 279
2021-04-01 $459,950 (17.2%) $736,585 (44.4%) 1.25 284
2021-05-01 $500,000 (20.5%) $739,072 (32.6%) 1.32 344
2021-06-01 $487,800 (11.1%) $696,718 (15.5%) 1.28 466
2021-07-01 $477,000 (7.4%) $640,110 (5.0%) 1.26 518
2021-08-01 $487,250 (14.7%) $656,294 (7.6%) 1.30 616
2021-09-01 $494,430 (15.7%) $640,934 (4.3%) 1.32 672
2021-10-01 $485,000 (11.5%) $617,378 (-5.6%) 1.29 630
2021-11-01 $483,853 (10.0%) $611,348 (-11.6%) 1.29 562
2021-12-01 $497,475 (11.5%) $632,978 (-13.9%) 1.35 420
2022-01-01 $494,950 (7.8%) $620,529 (-15.4%) 1.34 276
2022-02-01 $527,400 (16.3%) $667,502 (-12.4%) 1.37 286
2022-03-01 $517,750 (14.6%) $669,957 (-9.8%) 1.30 343
2022-04-01 $567,800 (23.5%) $693,926 (-5.8%) 1.36 483
2022-05-01 $578,950 (15.8%) $688,442 (-6.9%) 1.32 798
2022-06-01 $582,345 (19.4%) $679,917 (-2.4%) 1.30 1,129
2022-07-01 $559,900 (17.4%) $637,509 (-0.4%) 1.27 1,594
2022-08-01 $543,150 (11.5%) $630,818 (-3.9%) 1.25 1,815
2022-09-01 $532,500 (7.7%) $625,391 (-2.4%) 1.25 1,888
2022-10-01 $525,000 (8.3%) $615,673 (-0.3%) 1.24 1,938
2022-11-01 $519,450 (7.4%) $607,867 (-0.6%) 1.25 1,896
Ogden's median listing price for 2022-11-01 was $519,450, a difference of $35,597 (7.4%) versus the prior year and $-5,550 versus the prior month.

Ogden's median listing price comes in at 125% of the national average.

Ogden's average listing price for 2022-11-01 was $607,867, a difference of $-3,481 (-0.6%) versus the prior year and $-7,806 versus the prior month.

For the 2022-11-01 period, Ogden had 1,896 MLS listings, a difference of -42 listings (-2%) versus the prior month and 1,334 listings (237%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Ogden (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 59 days 2,947 sqft
2018-02-01 42 days 3,037 sqft
2018-03-01 36 days 3,138 sqft
2018-04-01 32 days 3,129 sqft
2018-05-01 30 days 3,063 sqft
2018-06-01 33 days 3,063 sqft
2018-07-01 36 days 3,002 sqft
2018-08-01 36 days 2,933 sqft
2018-09-01 36 days 2,888 sqft
2018-10-01 39 days 2,857 sqft
2018-11-01 46 days 2,847 sqft
2018-12-01 54 days 2,898 sqft
2019-01-01 64 days 2,972 sqft
2019-02-01 51 days 2,996 sqft
2019-03-01 42 days 3,069 sqft
2019-04-01 37 days 3,128 sqft
2019-05-01 31 days 3,050 sqft
2019-06-01 32 days 3,000 sqft
2019-07-01 36 days 2,948 sqft
2019-08-01 37 days 2,870 sqft
2019-09-01 38 days 2,774 sqft
2019-10-01 39 days 2,700 sqft
2019-11-01 46 days 2,692 sqft
2019-12-01 57 days 2,749 sqft
2020-01-01 69 days 2,890 sqft
2020-02-01 38 days 2,923 sqft
2020-03-01 26 days 2,900 sqft
2020-04-01 28 days 2,801 sqft
2020-05-01 43 days 2,928 sqft
2020-06-01 32 days 2,984 sqft
2020-07-01 34 days 2,869 sqft
2020-08-01 26 days 2,737 sqft
2020-09-01 25 days 2,696 sqft
2020-10-01 23 days 2,560 sqft
2020-11-01 27 days 2,617 sqft
2020-12-01 38 days 2,443 sqft
2021-01-01 30 days 2,421 sqft
2021-02-01 13 days 2,409 sqft
2021-03-01 5 days 2,394 sqft
2021-04-01 5 days 2,527 sqft
2021-05-01 9 days 2,628 sqft
2021-06-01 10 days 2,439 sqft
2021-07-01 13 days 2,394 sqft
2021-08-01 15 days 2,422 sqft
2021-09-01 18 days 2,439 sqft
2021-10-01 23 days 2,334 sqft
2021-11-01 25 days 2,271 sqft
2021-12-01 38 days 2,385 sqft
2022-01-01 38 days 2,332 sqft
2022-02-01 23 days 2,430 sqft
2022-03-01 23 days 2,253 sqft
2022-04-01 21 days 2,433 sqft
2022-05-01 23 days 2,493 sqft
2022-06-01 26 days 2,534 sqft
2022-07-01 31 days 2,400 sqft
2022-08-01 38 days 2,389 sqft
2022-09-01 45 days 2,389 sqft
2022-10-01 50 days 2,382 sqft
2022-11-01 57 days 2,377 sqft
Ogden's median listing age (time on market) for 2022-11-01 was 57 days. This is 128% longer than the same period one year ago.

Ogden's median square footage for active listings during the 2022-11-01 period was 2,377 sqft. One year prior, the average listing was 2,271 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.