Ogden VA Loans

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 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 5.58% for the week of 2022-05-20, compared to the national average (all VA variants) of 5.143% for the same period.

    The average rate for the prior week (2022-05-13) was 5.59% and one month ago for the week of 2022-04-15, the average rate was 4.95%.

    The average rate one year ago was 3.04%.

    For refis of the same type during the week of 2022-05-20, the average rate was 5.41%.

    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 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. Total Fees
    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 & INVESTMENT LLC 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 & INVESTMENT LLC (2.23%), North American Savings Bank, F.S.B. (2.25%), KS StateBank (2.26%), BNC National Bank (2.26%) and GOLDENWEST (2.33%).

    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.