Ogden VA Loan Rates, Closing Costs & Stats

OGDEN-CLEARFIELD, UT

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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.

    Ogden's 117 lenders originated 1,559 VA loans during 2024. The total origination value was $757,385,000, with an average VA loan value of $485,815.

    Ogden VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Ogden averaged 0.09% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Ogden's average VA mortgage closing costs are $7,372.

    The average rate for the prior week (2025-06-27) was 6.32% and one month ago for the week of 2025-05-30, the average rate was 6.55%.

    The average rate one year ago was 6.87%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.11%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 310 5.96% $6,687
    Mortgage Research Center, LLC 114 6.26% $6,206
    QUICKEN LOANS, LLC 96 5.98% $12,286
    INTERCAP LENDING INC. 87 6.10% $8,821
    FREEDOM MORTGAGE CORPORATION 69 6.05% $10,419
    GUILD MORTGAGE COMPANY 64 6.16% $14,854
    PENNYMAC LOAN SERVICES, LLC 44 5.58% $7,669
    Century Mortgage Company DBA Century Lending Company 43 5.91% $10,097
    VILLAGE CAPITAL MORTGAGE 32 5.69% $8,518
    NEWREZ LLC 30 6.09% $9,669
    FIRST COLONY MORTGAGE CORPORATION 30 5.95% $9,439
    LAKEVIEW LOAN SERVICING, LLC 28 5.68% $7,204
    NAVY FEDERAL CREDIT UNION 26 5.88% $6,098
    The Federal Savings Bank 25 5.97% $21,261
    AMERICAN PACIFIC MORTGAGE CORPORATION 22 6.27% $8,189
    RANLIFE, INC. 17 6.02% $14,716
    USAA Federal Savings Bank 17 6.18% $8,131
    Bank of Utah 17 5.79% $7,642
    MY MOVE MORTGAGE, LLC 17 6.05% $14,338
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 6.33% $7,821
    The Loan Store, Inc. 16 6.13% $15,129
    CLM MORTGAGE, INC 16 5.58% $6,805
    LOANDEPOT.COM, LLC 15 5.39% $11,778
    Barrington Bank & Trust Company, N.A. 13 5.92% $6,616
    Magnolia Bank 12 5.79% $22,970
    NBKC BANK 12 5.77% $9,475
    GOLDENWEST 11 5.83% $9,856
    GUARANTEED RATE, INC. 10 6.03% $11,964
    Plains Commerce Bank 10 5.89% $11,522
    Mr. Cooper ( Nationstar Mortgage ) 10 6.14% $10,367
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 10 6.16% $10,351
    SECURITYNATIONAL MORTGAGE COMPANY 9 6.36% $14,953
    DIRECT MORTGAGE, CORP. 8 5.92% $14,224
    INSPIRE HOME LOANS INC. 8 5.63% $16,251
    CMG MORTGAGE, INC. 8 6.11% $14,825
    CROSSCOUNTRY MORTGAGE, LLC 7 6.55% $6,935
    Paramount Residential Mortgage Group, Inc. 7 6.02% $8,909
    SUN WEST MORTGAGE COMPANY, INC. 7 5.30% $10,567
    Carrington Mortgage Services, LLC 6 6.25% $16,864
    PRIMARY RESIDENTIAL MORTGAGE, INC. 6 6.06% $8,734
    Sierra Pacific Mortgage Company, Inc. 5 6.03% $17,605
    CASTLE & COOKE MORTGAGE, LLC 5 6.43% $8,889
    PLANET HOME LENDING, LLC 5 5.94% $4,501
    CANOPY MORTGAGE, LLC 5 6.22% $11,586
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.30% $12,078
    First Federal Bank 5 5.73% $7,233
    PLAZA HOME MORTGAGE, INC. 5 6.12% $11,907
    SWBC MORTGAGE CORPORATION 5 6.10% $5,282
    AMERICA FIRST 5 6.25% $1,405
    HOMEAMERICAN MORTGAGE CORPORATION 4 4.87% $5,472
    AMERICAN FINANCING CORPORATION 4 6.44% $27,988
    BROKER SOLUTIONS, INC. 4 6.03% $15,510
    PENTAGON FEDERAL CREDIT UNION 4 6.25% $7,283
    ON Q FINANCIAL, INC. 4 6.19% $7,579
    Cache Valley Bank 4 5.97% $7,327
    Equity Prime Mortgage LLC 4 6.59% $16,084
    GUARANTEED RATE AFFINITY, LLC 4 5.84% $6,477
    SECURITY HOME MORTGAGE, LLC. 4 5.91% $18,489
    LADERA LENDING, INC. 3 6.21% $12,195
    Ameris Bank 3 6.13% $13,329
    GARDNER FINANCIAL SERVICES, LTD. 3 6.96% $10,454
    Flagstar Bank, FSB 3 6.29% $10,029
    VAN DYK MORTGAGE CORPORATION 3 5.88% $8,566
    PHH Mortgage Corporation 3 5.62% $8,645
    Armed Forces Bank 3 5.67% $7,213
    Wells Fargo Bank 2 6.06% $15,099
    AmeriHome Mortgage Company, LLC 2 5.88% $5,957
    AMERISAVE MORTGAGE CORPORATION 2 5.44% $38,275
    BELEM SERVICING LLC 2 6.00% $5,859
    CITY FIRST MORTGAGE SERVICES, L.L.C. 2 6.19% $6,380
    CITYWIDE HOME LOANS, LLC 2 6.13% $7,452
    CORNERSTONE HOME LENDING, INC. 2 6.13% $8,981
    Glacier Bank 2 6.13% $8,857
    Goldwater Bank, N.A. 2 6.44% $15,942
    Hometown Equity Mortgage, LLC 2 5.94% $13,356
    JMAC LENDING, INC. 2 5.75% $3,443
    MORIA DEVELOPMENT, INC. 2 7.19% $6,063
    MORTGAGEONE, INC. 2 5.75% $8,044
    MOUNTAIN AMERICA 2 5.25% $15,884
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.13% $14,772
    NATIONS RELIABLE LENDING, LLC 2 5.69% $9,793
    PREMIA MORTGAGE, LLC 2 5.76% $9,978
    Texana Bank 2 6.94% $9,773
    U.S. Bank 2 6.19% $3,794
    Victorian Finance, LLC 2 5.69% $11,155
    MOVEMENT MORTGAGE, LLC 1 6.75% $11,059
    MICHIGAN MUTUAL, INC. 1 6.25% $10,534
    LOANPAL, LLC 1 4.99% $10,809
    VERITAS FUNDING, LLC 1 5.88% $25,688
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.25% $22,300
    LOANFLIGHT LENDING, LLC 1 5.88% $2,117
    KeyBank 1 6.00% $4,602
    Prosperity Home Mortgage, LLC 1 6.12% $9,447
    JPMorgan Chase Bank 1 6.13% $4,829
    Ixonia Bank 1 6.75% $30,182
    S1L, Inc. 1 5.75% $33,324
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.25% $2,051
    Granite Community Bank 1 6.25% $41,293
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.75% $3,965
    SIRVA MORTGAGE, INC. 1 6.38% $60
    SOVEREIGN LENDING GROUP INCORPORATED 1 5.75% $4,172
    EAGLE HOME MORTGAGE, LLC 1 4.75% $1,330
    D. L. Evans Bank 1 6.63% $4,095
    AMERICAN FINANCIAL NETWORK, INC. 1 7.25% $17,670
    DIGNIFIED HOME LOANS, LLC 1 6.13% $12,004
    CARDINAL FINANCIAL 1 6.75% $26,628
    THE MORTGAGE LINK, INC. 1 5.88% $23,971
    Truist 1 6.63% $17,886
    CALCON MUTUAL MORTGAGE LLC 1 5.88% $6,156
    American Mortgage & Equity Consultants, Inc. 1 6.75% $15,831
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.25% $10,792
    Utah Power 1 5.63% $5,243
    American Mortgage Bank, LLC 1 6.25% $6,631
    Old National Bank 1 5.63% $17,558
    NORWICH COMMERCIAL GROUP, INC. 1 6.13% $8,185
    North American Savings Bank, F.S.B. 1 5.75% $12,297
    NATIONS DIRECT MORTGAGE, LLC 1 6.25% $10,340

    The top Ogden VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 310 VA loans originated. Their average total fees are $6,687, which is $481 higher 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 ($6,098), Mortgage Research Center, LLC ($6,206), Barrington Bank & Trust Company, N.A. ($6,616), UNITED WHOLESALE MORTGAGE, LLC ($6,687) and CLM MORTGAGE, INC ($6,805).

    The lowest rate Ogden VA lenders (with over 10 loans originated) are LOANDEPOT.COM, LLC (5.39%), PENNYMAC LOAN SERVICES, LLC (5.58%), CLM MORTGAGE, INC (5.58%), LAKEVIEW LOAN SERVICING, LLC (5.68%) and VILLAGE CAPITAL MORTGAGE (5.69%).

    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.