Zanesville VA Loan Rates, Closing Costs & Stats

Zanesville, OH

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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.

    Zanesville's 32 lenders originated 144 VA loans during 2024. The total origination value was $37,100,000, with an average VA loan value of $257,639.

    Zanesville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Zanesville averaged 6.47% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Zanesville's average VA mortgage closing costs are $5,558.

    The average rate for the prior week (2025-03-28) was 6.59% and one month ago for the week of 2025-02-28, the average rate was 6.87%.

    The average rate one year ago was 6.98%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.4%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Zanesville 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 Zanesville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 28 6.61% $4,789
    CROSSCOUNTRY MORTGAGE, LLC 12 6.69% $7,350
    UNITED WHOLESALE MORTGAGE, LLC 10 5.72% $7,834
    RUOFF MORTGAGE COMPANY, INC. 10 6.35% $6,796
    NAVY FEDERAL CREDIT UNION 9 5.86% $4,546
    The Huntington National Bank 8 6.78% $4,454
    FREEDOM MORTGAGE CORPORATION 7 6.11% $11,385
    QUICKEN LOANS, LLC 7 6.12% $12,891
    EQUITY RESOURCES, INC. 4 6.47% $12,067
    PENNYMAC LOAN SERVICES, LLC 4 5.69% $6,608
    LIBERTY HOME MORTGAGE CORPORATION 3 6.96% $1,189
    VILLAGE CAPITAL MORTGAGE 3 6.21% $7,898
    NEWREZ LLC 2 5.87% $5,408
    CARDINAL FINANCIAL 2 6.75% $10,381
    Magnolia Bank 2 6.00% $12,608
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.38% $3,386
    NEW DAY FINANCIAL, LLC 2 7.74% $10,527
    BROKER SOLUTIONS, INC. 2 6.75% $11,670
    NFM, INC. 2 7.44% $5,578
    The Federal Savings Bank 2 6.94% $10,699
    PNC Bank 1 6.50% $644
    NBH Bank 1 5.63% $1,265
    RAPID MORTGAGE COMPANY 1 7.13% $6,009
    Mr. Cooper ( Nationstar Mortgage ) 1 5.25% $10,857
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.99% $16,005
    THE EQUITABLE MORTGAGE CORPORATION 1 6.25% $4,295
    Flagstar Bank, FSB 1 6.50% $6,091
    LAKEVIEW LOAN SERVICING, LLC 1 6.13% $3,164
    UNION HOME MORTGAGE CORP. 1 7.00% $3,076
    Union Savings Bank 1 6.75% $2,346
    J. VIRGIL, INC. 1 6.75% $2,481
    Plains Commerce Bank 1 5.88% $7,123

    The top Zanesville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 28 VA loans originated. Their average total fees are $4,789, which is $2,561 lower than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

    The lowest fee Zanesville VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,789), RUOFF MORTGAGE COMPANY, INC. ($6,796), CROSSCOUNTRY MORTGAGE, LLC ($7,350), UNITED WHOLESALE MORTGAGE, LLC ($7,834) and .

    The lowest rate Zanesville VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.72%), RUOFF MORTGAGE COMPANY, INC. (6.35%), Mortgage Research Center, LLC (6.61%), CROSSCOUNTRY MORTGAGE, LLC (6.69%) and .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Zanesville (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 $139,800 (9.0%) $174,380 (4.5%) 0.00 226
    2018-02-01 $149,900 (15.6%) $185,634 (9.0%) 0.00 210
    2018-03-01 $154,900 (19.3%) $194,882 (13.8%) 0.00 183
    2018-04-01 $151,300 (13.4%) $191,801 (11.5%) 0.00 193
    2018-05-01 $149,900 (8.3%) $191,666 (9.9%) 0.00 210
    2018-06-01 $159,567 (20.0%) $195,428 (13.7%) 0.00 230
    2018-07-01 $154,900 (19.3%) $193,876 (15.3%) 0.00 276
    2018-08-01 $154,900 (13.6%) $197,333 (15.6%) 0.00 284
    2018-09-01 $150,000 (15.5%) $196,742 (16.1%) 0.00 292
    2018-10-01 $152,975 (13.9%) $199,303 (16.8%) 0.00 297
    2018-11-01 $154,675 (19.1%) $201,595 (16.6%) 0.00 295
    2018-12-01 $159,900 (18.5%) $206,632 (21.9%) 0.00 270
    2019-01-01 $157,400 (12.6%) $202,550 (16.2%) 0.00 246
    2019-02-01 $159,550 (6.4%) $207,901 (12.0%) 0.00 220
    2019-03-01 $159,729 (3.1%) $209,049 (7.3%) 0.00 205
    2019-04-01 $159,729 (5.6%) $204,393 (6.6%) 0.00 206
    2019-05-01 $159,900 (6.7%) $197,663 (3.1%) 0.00 222
    2019-06-01 $165,900 (4.0%) $207,317 (6.1%) 0.00 219
    2019-07-01 $169,800 (9.6%) $210,339 (8.5%) 0.00 216
    2019-08-01 $169,791 (9.6%) $211,208 (7.0%) 0.00 218
    2019-09-01 $169,627 (13.1%) $209,656 (6.6%) 0.00 214
    2019-10-01 $169,518 (10.8%) $209,422 (5.1%) 0.00 209
    2019-11-01 $154,950 (0.2%) $202,072 (0.2%) 0.00 194
    2019-12-01 $158,650 (-0.8%) $196,182 (-5.1%) 0.00 177
    2020-01-01 $157,400 (0.0%) $190,185 (-6.1%) 0.00 162
    2020-02-01 $149,900 (-6.1%) $187,493 (-9.8%) 0.00 159
    2020-03-01 $149,300 (-6.5%) $186,391 (-10.8%) 0.00 140
    2020-04-01 $146,850 (-8.1%) $195,392 (-4.4%) 0.00 134
    2020-05-01 $179,000 (11.9%) $216,717 (9.6%) 0.00 124
    2020-06-01 $178,425 (7.6%) $223,583 (7.9%) 0.00 117
    2020-07-01 $179,675 (5.8%) $234,260 (11.4%) 0.00 101
    2020-08-01 $179,000 (5.4%) $208,764 (-1.2%) 0.00 84
    2020-09-01 $159,900 (-5.7%) $208,826 (-0.4%) 0.00 86
    2020-10-01 $154,450 (-8.9%) $190,397 (-9.1%) 0.00 94
    2020-11-01 $145,750 (-5.9%) $177,467 (-12.2%) 0.00 107
    2020-12-01 $151,900 (-4.3%) $174,414 (-11.1%) 0.00 103
    2021-01-01 $146,400 (-7.0%) $168,506 (-11.4%) 0.00 97
    2021-02-01 $150,450 (0.4%) $175,468 (-6.4%) 0.00 65
    2021-03-01 $166,150 (11.3%) $187,803 (0.8%) 0.00 45
    2021-04-01 $171,200 (16.6%) $211,514 (8.3%) 0.00 61
    2021-05-01 $169,900 (-5.1%) $200,607 (-7.4%) 0.00 60
    2021-06-01 $177,900 (-0.3%) $211,034 (-5.6%) 0.00 77
    2021-07-01 $179,900 (0.1%) $213,794 (-8.7%) 0.00 88
    2021-08-01 $179,900 (0.5%) $227,206 (8.8%) 0.00 82
    2021-09-01 $174,900 (9.4%) $226,552 (8.5%) 0.00 84
    2021-10-01 $169,900 (10.0%) $226,415 (18.9%) 0.00 105
    2021-11-01 $169,450 (16.3%) $216,286 (21.9%) 0.00 100
    2021-12-01 $163,425 (7.6%) $205,814 (18.0%) 0.00 79
    2022-01-01 $157,500 (7.6%) $232,671 (38.1%) 0.00 72
    2022-02-01 $155,000 (3.0%) $227,894 (29.9%) 0.00 77
    2022-03-01 $150,975 (-9.1%) $214,431 (14.2%) 0.00 80
    2022-04-01 $161,450 (-5.7%) $216,467 (2.3%) 0.00 79
    2022-05-01 $172,450 (1.5%) $235,694 (17.5%) 0.00 82
    2022-06-01 $182,900 (2.8%) $252,241 (19.5%) 0.00 93
    2022-07-01 $182,400 (1.4%) $235,295 (10.1%) 0.00 103
    2022-08-01 $194,500 (8.1%) $250,548 (10.3%) 0.00 115
    2022-09-01 $222,450 (27.2%) $267,947 (18.3%) 0.00 126
    2022-10-01 $225,000 (32.4%) $261,847 (15.7%) 0.00 122
    2022-11-01 $207,000 (22.2%) $244,379 (13.0%) 0.00 119
    2022-12-01 $201,500 (23.3%) $247,547 (20.3%) 0.00 112
    2023-01-01 $198,750 (26.2%) $244,315 (5.0%) 0.00 116
    2023-02-01 $189,500 (22.3%) $251,147 (10.2%) 0.00 98
    2023-03-01 $185,300 (22.7%) $250,254 (16.7%) 0.00 96
    2023-04-01 $185,000 (14.6%) $246,778 (14.0%) 0.00 95
    2023-05-01 $227,225 (31.8%) $273,322 (16.0%) 0.00 86
    2023-06-01 $259,925 (42.1%) $304,175 (20.6%) 0.00 93
    2023-07-01 $241,450 (32.4%) $270,844 (15.1%) 0.00 106
    2023-08-01 $254,950 (31.1%) $275,458 (9.9%) 0.00 111
    2023-09-01 $249,700 (12.3%) $268,086 (0.1%) 0.00 122
    2023-10-01 $252,450 (12.2%) $268,935 (2.7%) 0.00 140
    2023-11-01 $237,400 (14.7%) $256,065 (4.8%) 0.00 137
    2023-12-01 $239,000 (18.6%) $254,107 (2.7%) 0.00 133
    2024-01-01 $242,175 (21.9%) $266,698 (9.2%) 0.00 105
    2024-02-01 $241,175 (27.3%) $276,221 (10.0%) 0.00 84
    2024-03-01 $251,750 (35.9%) $283,568 (13.3%) 0.00 83
    2024-04-01 $249,450 (34.8%) $282,826 (14.6%) 0.00 77
    2024-05-01 $275,817 (21.4%) $309,481 (13.2%) 0.00 89
    2024-06-01 $284,900 (9.6%) $317,671 (4.4%) 0.00 110
    2024-07-01 $264,450 (9.5%) $323,676 (19.5%) 0.00 139
    2024-08-01 $259,450 (1.8%) $321,716 (16.8%) 0.00 130
    2024-09-01 $272,550 (9.2%) $306,650 (14.4%) 0.00 140
    2024-10-01 $256,250 (1.5%) $291,901 (8.5%) 0.00 157
    2024-11-01 $259,900 (9.5%) $290,807 (13.6%) 0.00 167
    2024-12-01 $257,425 (7.7%) $287,756 (13.2%) 0.00 165
    2025-01-01 $255,450 (5.5%) $281,926 (5.7%) 0.00 155
    2025-02-01 $260,850 (8.2%) $282,939 (2.4%) 0.00 150
    2025-03-01 $275,000 (9.2%) $293,671 (3.6%) 0.00 144
    Zanesville's median listing price for 2025-03-01 was $275,000, a difference of $23,250 (9.2%) versus the prior year and $14,150 versus the prior month.

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

    Zanesville's average listing price for 2025-03-01 was $293,671, a difference of $10,103 (3.6%) versus the prior year and $10,732 versus the prior month.

    For the 2025-03-01 period, Zanesville had 144 MLS listings, a difference of -6 listings (-4%) versus the prior month and 61 listings (73%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Zanesville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,641 sqft
    2018-02-01 0 days 1,686 sqft
    2018-03-01 0 days 1,678 sqft
    2018-04-01 0 days 1,647 sqft
    2018-05-01 0 days 1,625 sqft
    2018-06-01 0 days 1,664 sqft
    2018-07-01 0 days 1,899 sqft
    2018-08-01 0 days 1,917 sqft
    2018-09-01 0 days 1,901 sqft
    2018-10-01 0 days 1,906 sqft
    2018-11-01 0 days 1,967 sqft
    2018-12-01 0 days 1,972 sqft
    2019-01-01 0 days 1,914 sqft
    2019-02-01 0 days 1,920 sqft
    2019-03-01 0 days 1,917 sqft
    2019-04-01 0 days 1,913 sqft
    2019-05-01 0 days 1,694 sqft
    2019-06-01 0 days 1,787 sqft
    2019-07-01 0 days 1,777 sqft
    2019-08-01 0 days 1,790 sqft
    2019-09-01 0 days 1,826 sqft
    2019-10-01 0 days 1,849 sqft
    2019-11-01 0 days 1,781 sqft
    2019-12-01 0 days 1,767 sqft
    2020-01-01 0 days 1,771 sqft
    2020-02-01 0 days 1,813 sqft
    2020-03-01 0 days 1,754 sqft
    2020-04-01 0 days 1,761 sqft
    2020-05-01 0 days 1,916 sqft
    2020-06-01 0 days 1,895 sqft
    2020-07-01 0 days 1,907 sqft
    2020-08-01 0 days 1,685 sqft
    2020-09-01 0 days 1,667 sqft
    2020-10-01 0 days 1,680 sqft
    2020-11-01 0 days 1,705 sqft
    2020-12-01 0 days 1,684 sqft
    2021-01-01 0 days 1,629 sqft
    2021-02-01 0 days 1,628 sqft
    2021-03-01 0 days 1,648 sqft
    2021-04-01 0 days 1,680 sqft
    2021-05-01 0 days 1,832 sqft
    2021-06-01 0 days 1,895 sqft
    2021-07-01 0 days 1,992 sqft
    2021-08-01 0 days 1,949 sqft
    2021-09-01 0 days 1,874 sqft
    2021-10-01 0 days 1,746 sqft
    2021-11-01 0 days 1,610 sqft
    2021-12-01 0 days 1,564 sqft
    2022-01-01 0 days 1,470 sqft
    2022-02-01 0 days 1,610 sqft
    2022-03-01 0 days 1,703 sqft
    2022-04-01 0 days 1,549 sqft
    2022-05-01 0 days 1,582 sqft
    2022-06-01 0 days 1,681 sqft
    2022-07-01 0 days 1,817 sqft
    2022-08-01 0 days 1,672 sqft
    2022-09-01 0 days 1,722 sqft
    2022-10-01 0 days 1,728 sqft
    2022-11-01 0 days 1,756 sqft
    2022-12-01 0 days 1,655 sqft
    2023-01-01 0 days 1,584 sqft
    2023-02-01 0 days 1,562 sqft
    2023-03-01 0 days 1,626 sqft
    2023-04-01 0 days 1,556 sqft
    2023-05-01 0 days 1,771 sqft
    2023-06-01 0 days 1,861 sqft
    2023-07-01 0 days 1,848 sqft
    2023-08-01 0 days 2,032 sqft
    2023-09-01 0 days 1,896 sqft
    2023-10-01 0 days 1,895 sqft
    2023-11-01 0 days 1,877 sqft
    2023-12-01 0 days 1,837 sqft
    2024-01-01 0 days 1,746 sqft
    2024-02-01 0 days 1,832 sqft
    2024-03-01 0 days 1,806 sqft
    2024-04-01 0 days 1,832 sqft
    2024-05-01 0 days 2,046 sqft
    2024-06-01 0 days 2,052 sqft
    2024-07-01 0 days 2,061 sqft
    2024-08-01 0 days 2,061 sqft
    2024-09-01 0 days 1,945 sqft
    2024-10-01 0 days 1,903 sqft
    2024-11-01 0 days 1,916 sqft
    2024-12-01 0 days 1,939 sqft
    2025-01-01 0 days 1,894 sqft
    2025-02-01 0 days 1,815 sqft
    2025-03-01 0 days 1,834 sqft
    Zanesville's median listing age (time on market) for 2025-03-01 was 0 days.

    Zanesville's median square footage for active listings during the 2025-03-01 period was 1,834 sqft. One year prior, the average listing was 1,806 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.