Huntington VA Loan Rates, Closing Costs & Stats

HUNTINGTON-ASHLAND, WV-KY-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.

    Huntington's 64 lenders originated 429 VA loans during 2024. The total origination value was $105,675,000, with an average VA loan value of $246,329.

    Huntington VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Huntington averaged 6.72% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Huntington's average VA mortgage closing costs are $4,730.

    The average rate for the prior week (2025-07-11) was 6.61% and one month ago for the week of 2025-06-13, the average rate was 7.09%.

    The average rate one year ago was 6.68%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.79%.

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

    Huntington 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 Huntington level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 127 6.54% $4,513
    QUICKEN LOANS, LLC 24 6.23% $8,283
    MOVEMENT MORTGAGE, LLC 24 6.25% $6,305
    UNITED WHOLESALE MORTGAGE, LLC 22 6.11% $7,418
    FREEDOM MORTGAGE CORPORATION 20 6.23% $7,366
    PENNYMAC LOAN SERVICES, LLC 19 5.61% $5,195
    LOANDEPOT.COM, LLC 17 6.39% $7,506
    NAVY FEDERAL CREDIT UNION 17 6.04% $4,114
    USAA Federal Savings Bank 11 6.61% $5,573
    STOCKTON MORTGAGE CORPORATION 10 6.76% $5,912
    VILLAGE CAPITAL MORTGAGE 9 5.69% $5,331
    NEWREZ LLC 8 5.86% $7,651
    PRIMELENDING, A PLAINSCAPITAL COMPANY 7 6.45% $5,215
    GUARANTEED RATE, INC. 6 6.22% $4,528
    Equity Prime Mortgage LLC 5 6.65% $4,660
    LAKEVIEW LOAN SERVICING, LLC 5 6.03% $4,889
    Barrington Bank & Trust Company, N.A. 5 6.43% $4,363
    Gateway First Bank 4 6.41% $4,799
    Mr. Cooper ( Nationstar Mortgage ) 4 6.31% $7,336
    Carrington Mortgage Services, LLC 3 5.88% $9,136
    The Federal Savings Bank 3 6.33% $12,030
    CALCON MUTUAL MORTGAGE LLC 3 6.54% $4,922
    Fifth Third Bank 3 5.92% $5,039
    WesBanco 2 5.12% $2,672
    BROKER SOLUTIONS, INC. 2 6.75% $6,028
    CLEARPATH LENDING 2 5.75% $4,865
    DESCO 2 6.75% $3,456
    First Federal Bank 2 6.00% $6,055
    HOMESIDE FINANCIAL, LLC 2 6.38% $5,157
    MID AMERICA MORTGAGE, INC. 2 7.25% $3,908
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.25% $2,101
    NEW DAY FINANCIAL, LLC 2 7.62% $6,698
    The Huntington National Bank 2 6.95% $1,684
    Truist 2 5.73% $750
    FIRST COLONY MORTGAGE CORPORATION 1 5.75% $15,328
    M&T Bank 1 6.50% $2,548
    EVANSVILLE TEACHERS 1 6.13% $8,658
    AmeriHome Mortgage Company, LLC 1 5.99% $7,547
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 5.13% $3,374
    EQUITY RESOURCES, INC. 1 7.13% $8,572
    PENTAGON FEDERAL CREDIT UNION 1 7.13% $7,462
    PHH Mortgage Corporation 1 4.74% $7,238
    PLANET HOME LENDING, LLC 1 6.25% $4,008
    POLARIS HOME FUNDING CORP. 1 7.13% $5,678
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $20,149
    Chambers Bank 1 6.25% $6,968
    RELIANCE FIRST CAPITAL, LLC 1 6.75% $7,420
    Sandy Spring Bank 1 5.63% $4,712
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.75% $14,923
    SIRVA MORTGAGE, INC. 1 5.25% $11,025
    SOUTHWEST STAGE FUNDING, LLC 1 5.88% $250
    CARDINAL FINANCIAL 1 6.75% $8,103
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.63% $11,202
    T2 FINANCIAL LLC 1 5.63% $2,035
    BAYSHORE MORTGAGE FUNDING, LLC 1 6.75% $13,631
    Waterstone Mortgage Corporation 1 7.25% $4,832
    ALLIED MORTGAGE GROUP, INC. 1 6.25% $3,412
    ASHLAND Credit Union 1 7.25% $0
    Armed Forces Bank 1 7.13% $9,888
    JPMorgan Chase Bank 1 6.75% $500
    U.S. Bank 1 5.63% $4,876
    HOMESTEAD FUNDING CORP. 1 5.25% $1,058
    Victorian Finance, LLC 1 7.75% $3,433
    GUARANTEED RATE AFFINITY, LLC 1 5.75% $2,966

    The top Huntington VA lender as defined by loan originations is Mortgage Research Center, LLC, with 127 VA loans originated. Their average total fees are $4,513, which is $3,770 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Huntington VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($4,114), Mortgage Research Center, LLC ($4,513), PENNYMAC LOAN SERVICES, LLC ($5,195), USAA Federal Savings Bank ($5,573) and STOCKTON MORTGAGE CORPORATION ($5,912).

    The lowest rate Huntington VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.61%), NAVY FEDERAL CREDIT UNION (6.04%), UNITED WHOLESALE MORTGAGE, LLC (6.11%), FREEDOM MORTGAGE CORPORATION (6.23%) and QUICKEN LOANS, LLC (6.23%).

    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.