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
6.2%
for the week of 2024-12-13, compared to the national average (all VA variants) of
6.077% for the same period.
Ogden's average VA mortgage closing costs are $7,190.
The average rate for the prior week (2024-12-06) was
6.33% and
one month ago for the week of 2024-11-08, the
average rate was 6.33%.
The average rate one year ago was 6.67%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.36%.
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.
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. LouisDate | 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 |
2024-04-01 | $565,950 (-3.9%) | $703,632 (2.5%) | 1.32 | 1,040 |
2024-05-01 | $580,000 (-0.8%) | $732,419 (7.3%) | 1.31 | 1,197 |
2024-06-01 | $573,000 (-1.2%) | $719,020 (5.0%) | 1.29 | 1,403 |
2024-07-01 | $557,500 (-3.7%) | $699,300 (-0.8%) | 1.27 | 1,544 |
2024-08-01 | $550,000 (-3.9%) | $695,606 (-0.4%) | 1.28 | 1,587 |
2024-09-01 | $549,650 (-3.6%) | $684,425 (-0.1%) | 1.29 | 1,724 |
2024-10-01 | $534,900 (-2.8%) | $676,274 (-0.6%) | 1.26 | 1,761 |
2024-11-01 | $525,000 (-4.5%) | $659,213 (-2.7%) | 1.26 | 1,757 |
Ogden's median listing price comes in at 126% of the national average.
Ogden's average listing price for 2024-11-01 was $659,213, a difference of $-18,178 (-2.7%) versus the prior year and $-17,061 versus the prior month.
For the 2024-11-01 period, Ogden had 1,757 MLS listings, a difference of -4 listings (0%) versus the prior month and 222 listings (14%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Ogden (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | 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 |
2024-04-01 | 41 days | 2,537 sqft |
2024-05-01 | 34 days | 2,692 sqft |
2024-06-01 | 38 days | 2,544 sqft |
2024-07-01 | 44 days | 2,497 sqft |
2024-08-01 | 50 days | 2,487 sqft |
2024-09-01 | 51 days | 2,441 sqft |
2024-10-01 | 51 days | 2,372 sqft |
2024-11-01 | 58 days | 2,336 sqft |
Ogden's median square footage for active listings during the 2024-11-01 period was 2,336 sqft. One year prior, the average listing was 2,520 sqft.