Ogden VA Loan Rates, Closing Costs & Stats

OGDEN-CLEARFIELD, UT

  • 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.

    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 6.45% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

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

    The average rate for the prior week (2025-02-07) was 6.28% and one month ago for the week of 2025-01-10, the average rate was 6.42%.

    The average rate one year ago was 6.44%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.51%.

    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 $356,400 (6.1%) $421,843 (9.5%) 1.30 945
    2018-02-01 $372,475 (3.1%) $447,565 (9.5%) 1.33 868
    2018-03-01 $389,900 (5.3%) $467,890 (10.3%) 1.33 877
    2018-04-01 $390,420 (2.8%) $470,775 (8.5%) 1.31 947
    2018-05-01 $389,900 (3.4%) $473,675 (10.1%) 1.29 1,065
    2018-06-01 $389,900 (5.0%) $474,379 (11.7%) 1.28 1,171
    2018-07-01 $381,400 (5.9%) $466,500 (12.7%) 1.26 1,307
    2018-08-01 $374,925 (7.2%) $453,037 (11.0%) 1.25 1,461
    2018-09-01 $369,950 (8.9%) $445,001 (11.6%) 1.24 1,593
    2018-10-01 $368,250 (8.8%) $448,438 (11.4%) 1.24 1,593
    2018-11-01 $367,475 (6.9%) $450,541 (11.8%) 1.24 1,526
    2018-12-01 $375,000 (7.2%) $464,467 (14.8%) 1.28 1,371
    2019-01-01 $384,900 (8.0%) $484,545 (14.9%) 1.31 1,214
    2019-02-01 $389,450 (4.6%) $488,713 (9.2%) 1.30 1,153
    2019-03-01 $400,854 (2.8%) $506,938 (8.4%) 1.30 1,116
    2019-04-01 $414,950 (6.3%) $517,267 (9.9%) 1.29 1,155
    2019-05-01 $399,900 (2.6%) $503,683 (6.3%) 1.25 1,286
    2019-06-01 $399,000 (2.3%) $497,912 (5.0%) 1.22 1,348
    2019-07-01 $394,310 (3.4%) $491,300 (5.3%) 1.21 1,411
    2019-08-01 $385,787 (2.9%) $486,155 (7.3%) 1.19 1,439
    2019-09-01 $374,038 (1.1%) $474,771 (6.7%) 1.17 1,501
    2019-10-01 $364,900 (-0.9%) $469,349 (4.7%) 1.15 1,529
    2019-11-01 $367,940 (0.1%) $469,656 (4.2%) 1.18 1,404
    2019-12-01 $377,450 (0.7%) $491,886 (5.9%) 1.24 1,127
    2020-01-01 $395,625 (2.8%) $543,558 (12.2%) 1.30 922
    2020-02-01 $402,100 (3.3%) $575,382 (17.7%) 1.31 795
    2020-03-01 $410,851 (2.5%) $584,331 (15.3%) 1.26 858
    2020-04-01 $399,093 (-3.8%) $523,479 (1.2%) 1.23 1,095
    2020-05-01 $425,565 (6.4%) $578,130 (14.8%) 1.26 911
    2020-06-01 $454,500 (13.9%) $625,271 (25.6%) 1.30 796
    2020-07-01 $462,800 (17.4%) $632,599 (28.8%) 1.29 674
    2020-08-01 $446,997 (15.9%) $639,893 (31.6%) 1.23 553
    2020-09-01 $446,870 (19.5%) $640,548 (34.9%) 1.24 498
    2020-10-01 $457,000 (25.2%) $683,053 (45.5%) 1.26 442
    2020-11-01 $468,725 (27.4%) $728,509 (55.1%) 1.33 390
    2020-12-01 $473,425 (25.4%) $777,895 (58.2%) 1.36 310
    2021-01-01 $500,000 (26.4%) $770,285 (41.7%) 1.48 258
    2021-02-01 $483,720 (20.3%) $813,353 (41.4%) 1.38 220
    2021-03-01 $466,200 (13.5%) $781,237 (33.7%) 1.31 244
    2021-04-01 $485,150 (21.6%) $768,430 (46.8%) 1.31 250
    2021-05-01 $520,000 (22.2%) $764,640 (32.3%) 1.37 302
    2021-06-01 $493,450 (8.6%) $712,585 (14.0%) 1.30 424
    2021-07-01 $482,500 (4.3%) $654,788 (3.5%) 1.27 457
    2021-08-01 $495,675 (10.9%) $672,428 (5.1%) 1.32 547
    2021-09-01 $495,612 (10.9%) $650,149 (1.5%) 1.32 592
    2021-10-01 $491,900 (7.6%) $625,662 (-8.4%) 1.31 569
    2021-11-01 $491,704 (4.9%) $619,854 (-14.9%) 1.31 501
    2021-12-01 $510,634 (7.9%) $650,869 (-16.3%) 1.37 363
    2022-01-01 $499,950 (0.0%) $636,046 (-17.4%) 1.35 239
    2022-02-01 $534,950 (10.6%) $687,938 (-15.4%) 1.40 247
    2022-03-01 $525,000 (12.6%) $687,296 (-12.0%) 1.32 299
    2022-04-01 $565,000 (16.5%) $709,081 (-7.7%) 1.36 435
    2022-05-01 $580,000 (11.5%) $696,923 (-8.9%) 1.33 719
    2022-06-01 $585,000 (18.6%) $689,209 (-3.3%) 1.30 1,029
    2022-07-01 $562,000 (16.5%) $645,505 (-1.4%) 1.26 1,459
    2022-08-01 $545,450 (10.0%) $637,143 (-5.3%) 1.26 1,660
    2022-09-01 $537,445 (8.4%) $633,227 (-2.6%) 1.25 1,709
    2022-10-01 $529,995 (7.7%) $623,928 (-0.3%) 1.24 1,755
    2022-11-01 $524,745 (6.7%) $616,971 (-0.5%) 1.25 1,686
    2022-12-01 $525,485 (2.9%) $625,772 (-3.9%) 1.30 1,467
    2023-01-01 $544,500 (8.9%) $651,618 (2.5%) 1.35 1,178
    2023-02-01 $553,288 (3.4%) $677,770 (-1.5%) 1.33 1,037
    2023-03-01 $575,000 (9.5%) $679,475 (-1.1%) 1.33 964
    2023-04-01 $599,800 (6.2%) $704,833 (-0.6%) 1.37 877
    2023-05-01 $596,745 (2.9%) $695,223 (-0.2%) 1.33 999
    2023-06-01 $589,950 (0.9%) $700,904 (1.7%) 1.30 1,083
    2023-07-01 $585,000 (4.1%) $721,538 (11.8%) 1.32 1,167
    2023-08-01 $575,000 (5.4%) $715,872 (12.4%) 1.31 1,250
    2023-09-01 $574,945 (7.0%) $698,404 (10.3%) 1.33 1,360
    2023-10-01 $557,248 (5.1%) $694,364 (11.3%) 1.29 1,389
    2023-11-01 $550,000 (4.8%) $692,496 (12.2%) 1.31 1,373
    2023-12-01 $550,000 (4.7%) $693,606 (10.8%) 1.34 1,149
    2024-01-01 $559,947 (2.8%) $703,987 (8.0%) 1.34 1,020
    2024-02-01 $565,000 (2.1%) $708,070 (4.5%) 1.32 882
    2024-03-01 $564,995 (-1.7%) $711,758 (4.8%) 1.29 850
    2024-04-01 $576,000 (-4.0%) $724,595 (2.8%) 1.32 912
    2024-05-01 $589,722 (-1.2%) $745,853 (7.3%) 1.31 1,056
    2024-06-01 $575,000 (-2.5%) $728,427 (3.9%) 1.29 1,237
    2024-07-01 $572,000 (-2.2%) $720,399 (-0.2%) 1.27 1,368
    2024-08-01 $563,950 (-1.9%) $715,680 (0.0%) 1.28 1,406
    2024-09-01 $566,700 (-1.4%) $704,564 (0.9%) 1.29 1,514
    2024-10-01 $544,950 (-2.2%) $693,162 (-0.2%) 1.26 1,557
    2024-11-01 $539,900 (-1.8%) $674,970 (-2.5%) 1.26 1,547
    2024-12-01 $535,000 (-2.7%) $678,764 (-2.1%) 1.30 1,278
    2025-01-01 $525,000 (-6.2%) $671,064 (-4.7%) 0.00 1,234
    Ogden's median listing price for 2025-01-01 was $525,000, a difference of $-34,947 (-6.2%) versus the prior year and $-10,000 versus the prior month.

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

    Ogden's average listing price for 2025-01-01 was $671,064, a difference of $-32,923 (-4.7%) versus the prior year and $-7,700 versus the prior month.

    For the 2025-01-01 period, Ogden had 1,234 MLS listings, a difference of -44 listings (-3%) versus the prior month and 214 listings (21%) 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 2,979 sqft
    2018-02-01 38 days 3,061 sqft
    2018-03-01 33 days 3,178 sqft
    2018-04-01 30 days 3,165 sqft
    2018-05-01 29 days 3,100 sqft
    2018-06-01 32 days 3,106 sqft
    2018-07-01 33 days 3,012 sqft
    2018-08-01 35 days 2,928 sqft
    2018-09-01 35 days 2,879 sqft
    2018-10-01 39 days 2,864 sqft
    2018-11-01 45 days 2,843 sqft
    2018-12-01 53 days 2,891 sqft
    2019-01-01 63 days 2,989 sqft
    2019-02-01 49 days 3,007 sqft
    2019-03-01 41 days 3,088 sqft
    2019-04-01 37 days 3,142 sqft
    2019-05-01 31 days 3,057 sqft
    2019-06-01 32 days 3,024 sqft
    2019-07-01 35 days 2,969 sqft
    2019-08-01 36 days 2,875 sqft
    2019-09-01 37 days 2,776 sqft
    2019-10-01 38 days 2,706 sqft
    2019-11-01 45 days 2,694 sqft
    2019-12-01 55 days 2,756 sqft
    2020-01-01 67 days 2,932 sqft
    2020-02-01 37 days 2,974 sqft
    2020-03-01 24 days 2,948 sqft
    2020-04-01 28 days 2,820 sqft
    2020-05-01 38 days 2,975 sqft
    2020-06-01 30 days 3,049 sqft
    2020-07-01 32 days 2,925 sqft
    2020-08-01 24 days 2,738 sqft
    2020-09-01 23 days 2,695 sqft
    2020-10-01 19 days 2,598 sqft
    2020-11-01 24 days 2,665 sqft
    2020-12-01 32 days 2,485 sqft
    2021-01-01 26 days 2,475 sqft
    2021-02-01 9 days 2,626 sqft
    2021-03-01 3 days 2,417 sqft
    2021-04-01 5 days 2,559 sqft
    2021-05-01 9 days 2,668 sqft
    2021-06-01 9 days 2,432 sqft
    2021-07-01 12 days 2,361 sqft
    2021-08-01 14 days 2,403 sqft
    2021-09-01 18 days 2,408 sqft
    2021-10-01 22 days 2,322 sqft
    2021-11-01 24 days 2,264 sqft
    2021-12-01 37 days 2,395 sqft
    2022-01-01 37 days 2,318 sqft
    2022-02-01 22 days 2,421 sqft
    2022-03-01 22 days 2,253 sqft
    2022-04-01 20 days 2,404 sqft
    2022-05-01 23 days 2,458 sqft
    2022-06-01 25 days 2,528 sqft
    2022-07-01 31 days 2,377 sqft
    2022-08-01 38 days 2,373 sqft
    2022-09-01 44 days 2,375 sqft
    2022-10-01 50 days 2,376 sqft
    2022-11-01 57 days 2,352 sqft
    2022-12-01 66 days 2,384 sqft
    2023-01-01 75 days 2,446 sqft
    2023-02-01 64 days 2,501 sqft
    2023-03-01 50 days 2,573 sqft
    2023-04-01 46 days 2,712 sqft
    2023-05-01 39 days 2,667 sqft
    2023-06-01 39 days 2,669 sqft
    2023-07-01 44 days 2,628 sqft
    2023-08-01 46 days 2,533 sqft
    2023-09-01 47 days 2,536 sqft
    2023-10-01 49 days 2,509 sqft
    2023-11-01 55 days 2,502 sqft
    2023-12-01 67 days 2,456 sqft
    2024-01-01 72 days 2,445 sqft
    2024-02-01 59 days 2,477 sqft
    2024-03-01 46 days 2,459 sqft
    2024-04-01 41 days 2,543 sqft
    2024-05-01 34 days 2,670 sqft
    2024-06-01 38 days 2,506 sqft
    2024-07-01 44 days 2,502 sqft
    2024-08-01 50 days 2,494 sqft
    2024-09-01 51 days 2,460 sqft
    2024-10-01 51 days 2,375 sqft
    2024-11-01 58 days 2,354 sqft
    2024-12-01 66 days 2,317 sqft
    2025-01-01 0 days 2,268 sqft
    Ogden'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.

    Ogden's median square footage for active listings during the 2025-01-01 period was 2,268 sqft. One year prior, the average listing was 2,445 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.