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 110 lenders originated 1,154 VA loans during 2023. The total origination value was $534,470,000, with an average VA loan value of $463,146.

Ogden VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Ogden averaged 6.59% for the week of 2024-04-12, compared to the national average (all VA variants) of 6.574% for the same period.

Ogden's average VA mortgage closing costs are $7,190.

The average rate for the prior week (2024-04-05) was 6.44% and one month ago for the week of 2024-03-08, the average rate was 6.27%.

The average rate one year ago was 5.87%.

For refis of the same type during the week of 2024-04-12, the average rate was 6.66%.

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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 214 6.09% $8,453
Mortgage Research Center, LLC 97 6.42% $8,820
INTERCAP LENDING INC. 89 6.29% $9,698
QUICKEN LOANS, LLC 52 6.09% $14,651
ACADEMY MORTGAGE CORPORATION 39 6.45% $11,242
PENNYMAC LOAN SERVICES, LLC 32 5.94% $14,406
AMERICAN PACIFIC MORTGAGE CORPORATION 30 6.58% $10,370
CITYWIDE HOME LOANS, LLC 29 5.77% $12,612
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 25 6.60% $8,481
The Federal Savings Bank 23 6.39% $20,813
FREEDOM MORTGAGE CORPORATION 23 6.36% $18,450
CARDINAL FINANCIAL 21 6.39% $14,357
NAVY FEDERAL CREDIT UNION 20 5.68% $5,171
USAA Federal Savings Bank 19 6.03% $9,649
FIRST COLONY MORTGAGE CORPORATION 17 6.18% $8,910
NEWREZ LLC 16 6.19% $12,073
Bank of Utah 15 6.03% $9,122
GUARANTEED RATE, INC. 14 5.63% $9,418
GUILD MORTGAGE COMPANY 12 6.03% $16,962
RANLIFE, INC. 12 6.20% $14,832
INSPIRE HOME LOANS INC. 11 5.57% $9,934
MY MOVE MORTGAGE, LLC 11 6.25% $15,396
Century Mortgage Company DBA Century Lending Company 11 5.97% $10,266
CASTLE & COOKE MORTGAGE, LLC 10 5.93% $12,891
VILLAGE CAPITAL MORTGAGE 9 5.85% $13,944
PRIMELENDING, A PLAINSCAPITAL COMPANY 9 6.56% $6,989
PRIMARY RESIDENTIAL MORTGAGE, INC. 9 6.35% $12,838
Plains Commerce Bank 8 6.31% $13,536
ON Q FINANCIAL, INC. 8 6.72% $13,090
LOANDEPOT.COM, LLC 8 5.48% $19,310
PLAZA HOME MORTGAGE, INC. 7 6.73% $7,668
Wells Fargo Bank 7 5.52% $7,649
NBKC BANK 7 5.63% $10,585
DIRECT MORTGAGE, CORP. 6 6.25% $13,508
GOLDENWEST 6 6.10% $9,586
JPMorgan Chase Bank 6 5.87% $5,970
AMERICA FIRST 6 6.54% $5,743
BROKER SOLUTIONS, INC. 5 5.82% $14,924
Barrington Bank & Trust Company, N.A. 5 6.65% $9,335
CROSSCOUNTRY MORTGAGE, LLC 5 6.61% $5,481
LAKEVIEW LOAN SERVICING, LLC 5 5.95% $12,319
Mr. Cooper ( Nationstar Mortgage ) 5 5.78% $21,901
Paramount Residential Mortgage Group, Inc. 5 6.23% $11,151
SECURITYNATIONAL MORTGAGE COMPANY 5 6.63% $16,006
American Mortgage & Equity Consultants, Inc. 4 6.63% $9,854
PENTAGON FEDERAL CREDIT UNION 4 5.09% $11,396
CORNERSTONE HOME LENDING, INC. 4 6.31% $8,307
MUTUAL OF OMAHA MORTGAGE, INC. 4 6.31% $10,316
SECURITY HOME MORTGAGE, LLC. 4 5.94% $8,904
Magnolia Bank 3 6.33% $26,024
PREMIA MORTGAGE, LLC 3 5.75% $6,563
CLM MORTGAGE, INC 3 6.37% $10,505
VAN DYK MORTGAGE CORPORATION 3 6.33% $3,433
AMERICAN FINANCIAL NETWORK, INC. 3 5.92% $9,923
GUARANTEED RATE AFFINITY, LLC 3 6.24% $6,983
Utah Mortgage Loan Corporation 3 6.17% $7,497
J. VIRGIL, INC. 3 5.83% $9,771
Cache Valley Bank 3 5.54% $15,396
BNC National Bank 3 5.42% $12,049
UNION HOME MORTGAGE CORP. 3 6.00% $11,723
PLANET HOME LENDING, LLC 2 6.25% $11,122
DHI MORTGAGE COMPANY, LTD. 2 5.50% $13,465
Bank of England 2 6.38% $3,760
LOANPAL, LLC 2 5.88% $14,889
Servion, Inc. 2 6.75% $7,205
SIRVA MORTGAGE, INC. 2 5.81% $10,267
SUN WEST MORTGAGE COMPANY, INC. 2 6.19% $7,622
SWBC MORTGAGE CORPORATION 2 5.50% $15,369
CMG MORTGAGE, INC. 2 6.13% $19,629
TOP FLITE FINANCIAL, INC. 2 7.38% $19,894
Northpointe Bank 2 6.69% $3,027
HOMEAMERICAN MORTGAGE CORPORATION 2 4.81% $7,190
CYPRUS Federal Credit Union 2 6.75% $6,655
LADERA LENDING, INC. 2 6.88% $12,815
Equity Prime Mortgage LLC 2 6.31% $6,784
CANOPY MORTGAGE, LLC 2 5.94% $11,822
GARDNER FINANCIAL SERVICES, LTD. 1 5.88% $29,048
First Interstate Bank 1 5.25% $10,810
First Savings Bank 1 5.50% $15,588
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.75% $23,128
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.75% $9,658
Encompass Lending Group, LP 1 7.25% $4,202
EAGLE HOME MORTGAGE, LLC 1 5.00% $3,066
KeyBank 1 6.88% $11,082
V.I.P. MORTGAGE, INC. 1 7.13% $3,599
MORIA DEVELOPMENT, INC. 1 7.13% $12,418
MORTGAGEONE, INC. 1 6.75% $8,242
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $0
MOVEMENT MORTGAGE, LLC 1 6.13% $15,205
AMCAP MORTGAGE, LTD. 1 7.13% $7,356
NATIONS RELIABLE LENDING, LLC 1 6.00% $3,990
CONTOUR MORTGAGE CORPORATION 1 7.25% $7,135
NFM, INC. 1 6.50% $6,977
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 5.75% $27,812
WRIGHT-PATT CREDIT UNION, INC. 1 6.63% $8,738
Citizens Bank 1 7.13% $6,862
CHURCHILL MORTGAGE CORPORATION 1 7.00% $4,310
Presidential Bank, FSB 1 5.63% $14,812
AXIA FINANCIAL, LLC 1 5.63% $9,313
Regions Bank 1 7.00% $9,505
Zions Bank 1 5.63% $4,041
Sierra Pacific Mortgage Company, Inc. 1 5.13% $2,723
Ameris Bank 1 5.25% $2,834
The Huntington National Bank 1 5.88% $617
The Loan Store, Inc. 1 5.63% $7,670
Truist 1 5.75% $14,666
AMERICAN FINANCING CORPORATION 1 5.50% $8,164
U.S. Bank 1 5.50% $21,777
VERITAS FUNDING, LLC 1 7.25% $17,867
Gateway First Bank 1 6.63% $9,763

The top Ogden VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 214 VA loans originated. Their average total fees are $8,453, which is $367 lower than the next largest lender, Mortgage Research Center, LLC.

The lowest fee Ogden VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($5,171), UNITED WHOLESALE MORTGAGE, LLC ($8,453), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($8,481), Mortgage Research Center, LLC ($8,820) and FIRST COLONY MORTGAGE CORPORATION ($8,910).

The lowest rate Ogden VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. (5.57%), GUARANTEED RATE, INC. (5.63%), NAVY FEDERAL CREDIT UNION (5.68%), CITYWIDE HOME LOANS, LLC (5.77%) and CASTLE & COOKE MORTGAGE, LLC (5.93%).


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 $349,850 (7.7%) $413,336 (9.9%) 1.30 1,037
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 (3.7%) $463,257 (8.8%) 1.31 1,022
2018-05-01 $384,950 (4.2%) $465,903 (10.7%) 1.29 1,151
2018-06-01 $384,700 (5.0%) $466,443 (11.6%) 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 (11.4%) 1.25 1,562
2018-09-01 $368,900 (11.5%) $439,322 (11.7%) 1.24 1,718
2018-10-01 $364,900 (10.6%) $441,854 (11.5%) 1.24 1,721
2018-11-01 $364,500 (9.7%) $444,348 (12.3%) 1.24 1,645
2018-12-01 $369,950 (8.8%) $457,098 (15.4%) 1.28 1,498
2019-01-01 $379,900 (8.6%) $475,217 (15.0%) 1.31 1,325
2019-02-01 $384,900 (4.9%) $479,999 (9.3%) 1.30 1,254
2019-03-01 $396,413 (4.3%) $497,864 (8.8%) 1.30 1,209
2019-04-01 $406,690 (5.3%) $506,640 (9.4%) 1.29 1,257
2019-05-01 $399,350 (3.7%) $495,152 (6.3%) 1.25 1,394
2019-06-01 $390,950 (1.6%) $488,464 (4.7%) 1.22 1,466
2019-07-01 $384,950 (1.7%) $480,403 (4.4%) 1.21 1,551
2019-08-01 $377,264 (1.1%) $475,781 (6.3%) 1.19 1,579
2019-09-01 $365,809 (-0.8%) $464,336 (5.7%) 1.17 1,641
2019-10-01 $357,950 (-1.9%) $459,004 (3.9%) 1.15 1,669
2019-11-01 $359,900 (-1.3%) $460,604 (3.7%) 1.18 1,514
2019-12-01 $373,000 (0.8%) $480,826 (5.2%) 1.24 1,213
2020-01-01 $388,900 (2.4%) $527,877 (11.1%) 1.30 1,000
2020-02-01 $398,900 (3.6%) $555,903 (15.8%) 1.31 865
2020-03-01 $401,190 (1.2%) $570,356 (14.6%) 1.26 910
2020-04-01 $393,373 (-3.3%) $512,466 (1.2%) 1.23 1,171
2020-05-01 $415,000 (3.9%) $560,942 (13.3%) 1.26 990
2020-06-01 $441,515 (12.9%) $607,383 (24.4%) 1.30 850
2020-07-01 $445,000 (15.6%) $614,246 (27.9%) 1.29 727
2020-08-01 $429,945 (14.0%) $616,028 (29.5%) 1.23 607
2020-09-01 $431,200 (17.9%) $621,395 (33.8%) 1.24 532
2020-10-01 $441,450 (23.3%) $661,467 (44.1%) 1.26 475
2020-11-01 $454,700 (26.3%) $702,460 (52.5%) 1.33 424
2020-12-01 $457,475 (22.7%) $749,510 (55.9%) 1.36 335
2021-01-01 $495,300 (27.4%) $751,436 (42.4%) 1.48 275
2021-02-01 $472,475 (18.4%) $783,288 (40.9%) 1.38 236
2021-03-01 $462,475 (15.3%) $762,947 (33.8%) 1.31 267
2021-04-01 $484,331 (23.1%) $751,637 (46.7%) 1.31 273
2021-05-01 $515,000 (24.1%) $751,205 (33.9%) 1.37 331
2021-06-01 $494,463 (12.0%) $706,777 (16.4%) 1.30 453
2021-07-01 $480,000 (7.9%) $646,861 (5.3%) 1.27 504
2021-08-01 $494,675 (15.1%) $663,204 (7.7%) 1.32 602
2021-09-01 $494,950 (14.8%) $646,546 (4.1%) 1.32 659
2021-10-01 $491,900 (11.4%) $622,688 (-5.9%) 1.31 616
2021-11-01 $489,340 (7.6%) $616,658 (-12.2%) 1.31 549
2021-12-01 $504,900 (10.4%) $640,360 (-14.6%) 1.37 407
2022-01-01 $499,900 (0.9%) $631,009 (-16.0%) 1.35 264
2022-02-01 $537,780 (13.8%) $678,178 (-13.4%) 1.40 274
2022-03-01 $527,000 (14.0%) $678,796 (-11.0%) 1.32 331
2022-04-01 $572,400 (18.2%) $700,347 (-6.8%) 1.36 471
2022-05-01 $582,225 (13.1%) $693,662 (-7.7%) 1.33 786
2022-06-01 $584,500 (18.2%) $683,408 (-3.3%) 1.30 1,117
2022-07-01 $560,000 (16.7%) $639,842 (-1.1%) 1.26 1,582
2022-08-01 $544,950 (10.2%) $632,814 (-4.6%) 1.26 1,803
2022-09-01 $534,500 (8.0%) $627,445 (-3.0%) 1.25 1,876
2022-10-01 $528,000 (7.3%) $617,659 (-0.8%) 1.24 1,926
2022-11-01 $519,997 (6.3%) $609,878 (-1.1%) 1.25 1,884
2022-12-01 $526,643 (4.3%) $617,475 (-3.6%) 1.30 1,642
2023-01-01 $544,500 (8.9%) $640,507 (1.5%) 1.35 1,341
2023-02-01 $550,000 (2.3%) $664,411 (-2.0%) 1.33 1,195
2023-03-01 $563,850 (7.0%) $663,738 (-2.2%) 1.33 1,122
2023-04-01 $589,000 (2.9%) $686,448 (-2.0%) 1.37 1,030
2023-05-01 $584,500 (0.4%) $682,577 (-1.6%) 1.33 1,139
2023-06-01 $579,675 (-0.8%) $684,656 (0.2%) 1.30 1,247
2023-07-01 $579,000 (3.4%) $704,570 (10.1%) 1.32 1,327
2023-08-01 $571,995 (5.0%) $698,149 (10.3%) 1.31 1,415
2023-09-01 $570,000 (6.6%) $684,822 (9.1%) 1.33 1,528
2023-10-01 $550,000 (4.2%) $680,067 (10.1%) 1.29 1,557
2023-11-01 $549,900 (5.8%) $677,391 (11.1%) 1.31 1,535
2023-12-01 $549,000 (4.3%) $677,690 (9.8%) 1.34 1,286
2024-01-01 $549,945 (1.0%) $684,843 (6.9%) 1.34 1,155
2024-02-01 $549,925 (0.0%) $686,322 (3.3%) 1.32 1,009
2024-03-01 $550,000 (-2.5%) $690,158 (4.0%) 1.29 980
Ogden's median listing price for 2024-03-01 was $550,000, a difference of $-13,850 (-2.5%) versus the prior year and $75 versus the prior month.

Ogden's median listing price comes in at 129% of the national average.

Ogden's average listing price for 2024-03-01 was $690,158, a difference of $26,420 (4.0%) versus the prior year and $3,836 versus the prior month.

For the 2024-03-01 period, Ogden had 980 MLS listings, a difference of -29 listings (-3%) versus the prior month and -142 listings (-13%) 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 57 days 2,947 sqft
2018-02-01 38 days 3,037 sqft
2018-03-01 33 days 3,138 sqft
2018-04-01 30 days 3,130 sqft
2018-05-01 29 days 3,063 sqft
2018-06-01 32 days 3,062 sqft
2018-07-01 33 days 3,002 sqft
2018-08-01 35 days 2,933 sqft
2018-09-01 35 days 2,888 sqft
2018-10-01 39 days 2,858 sqft
2018-11-01 45 days 2,850 sqft
2018-12-01 53 days 2,898 sqft
2019-01-01 63 days 2,972 sqft
2019-02-01 49 days 2,998 sqft
2019-03-01 41 days 3,073 sqft
2019-04-01 37 days 3,136 sqft
2019-05-01 31 days 3,058 sqft
2019-06-01 32 days 3,003 sqft
2019-07-01 35 days 2,959 sqft
2019-08-01 36 days 2,877 sqft
2019-09-01 37 days 2,777 sqft
2019-10-01 38 days 2,708 sqft
2019-11-01 45 days 2,696 sqft
2019-12-01 55 days 2,764 sqft
2020-01-01 67 days 2,923 sqft
2020-02-01 37 days 2,947 sqft
2020-03-01 24 days 2,925 sqft
2020-04-01 28 days 2,809 sqft
2020-05-01 38 days 2,954 sqft
2020-06-01 30 days 3,012 sqft
2020-07-01 32 days 2,899 sqft
2020-08-01 24 days 2,745 sqft
2020-09-01 23 days 2,709 sqft
2020-10-01 19 days 2,599 sqft
2020-11-01 24 days 2,658 sqft
2020-12-01 32 days 2,480 sqft
2021-01-01 26 days 2,478 sqft
2021-02-01 9 days 2,502 sqft
2021-03-01 3 days 2,431 sqft
2021-04-01 5 days 2,576 sqft
2021-05-01 9 days 2,673 sqft
2021-06-01 9 days 2,477 sqft
2021-07-01 12 days 2,425 sqft
2021-08-01 14 days 2,442 sqft
2021-09-01 18 days 2,461 sqft
2021-10-01 22 days 2,358 sqft
2021-11-01 24 days 2,295 sqft
2021-12-01 37 days 2,405 sqft
2022-01-01 37 days 2,376 sqft
2022-02-01 22 days 2,454 sqft
2022-03-01 22 days 2,274 sqft
2022-04-01 20 days 2,468 sqft
2022-05-01 23 days 2,516 sqft
2022-06-01 25 days 2,546 sqft
2022-07-01 31 days 2,408 sqft
2022-08-01 38 days 2,397 sqft
2022-09-01 44 days 2,396 sqft
2022-10-01 50 days 2,392 sqft
2022-11-01 57 days 2,387 sqft
2022-12-01 66 days 2,414 sqft
2023-01-01 75 days 2,497 sqft
2023-02-01 64 days 2,570 sqft
2023-03-01 50 days 2,627 sqft
2023-04-01 46 days 2,760 sqft
2023-05-01 39 days 2,720 sqft
2023-06-01 39 days 2,700 sqft
2023-07-01 44 days 2,673 sqft
2023-08-01 46 days 2,588 sqft
2023-09-01 47 days 2,556 sqft
2023-10-01 49 days 2,529 sqft
2023-11-01 55 days 2,520 sqft
2023-12-01 67 days 2,463 sqft
2024-01-01 72 days 2,460 sqft
2024-02-01 59 days 2,462 sqft
2024-03-01 46 days 2,479 sqft
Ogden's median listing age (time on market) for 2024-03-01 was 46 days. This is -8% shorter than the same period one year ago.

Ogden's median square footage for active listings during the 2024-03-01 period was 2,479 sqft. One year prior, the average listing was 2,627 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.