Logan VA Loan Rates, Closing Costs & Stats

LOGAN, UT-ID

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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.

    Logan's 36 lenders originated 139 VA loans during 2024. The total origination value was $63,925,000, with an average VA loan value of $459,892.

    Logan VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Logan averaged 6.58% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Logan's average VA mortgage closing costs are $7,499.

    The average rate for the prior week (2025-07-11) was 6.77% and one month ago for the week of 2025-06-13, the average rate was 6.84%.

    The average rate one year ago was 6.44%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.53%.

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

    Logan 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 Logan level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 27 5.93% $9,124
    Mortgage Research Center, LLC 13 6.53% $6,338
    GUILD MORTGAGE COMPANY 10 5.71% $11,914
    FIRST COLONY MORTGAGE CORPORATION 10 5.80% $8,708
    INTERCAP LENDING INC. 7 6.23% $3,897
    FREEDOM MORTGAGE CORPORATION 6 6.25% $19,579
    Bank of Utah 6 5.88% $8,226
    VILLAGE CAPITAL MORTGAGE 5 5.88% $7,707
    QUICKEN LOANS, LLC 5 5.82% $11,938
    NAVY FEDERAL CREDIT UNION 4 5.84% $3,748
    Barrington Bank & Trust Company, N.A. 3 6.33% $7,264
    PENNYMAC LOAN SERVICES, LLC 3 5.58% $10,286
    Sierra Pacific Mortgage Company, Inc. 3 6.33% $8,823
    USAA Federal Savings Bank 2 5.94% $9,126
    Texana Bank 2 5.81% $9,039
    GOLDENWEST 2 5.31% $17,975
    Cache Valley Bank 2 6.25% $5,483
    Century Mortgage Company DBA Century Lending Company 2 5.63% $10,219
    CMG MORTGAGE, INC. 2 5.81% $15,436
    NEWREZ LLC 2 5.75% $17,961
    AMERICAN FINANCING CORPORATION 2 6.25% $8,835
    MORIA DEVELOPMENT, INC. 1 6.75% $10,616
    AMERISAVE MORTGAGE CORPORATION 1 5.63% $33,396
    CrossFirst Bank 1 6.13% $22,522
    Glacier Bank 1 5.88% $7,854
    GUARANTEED RATE, INC. 1 5.65% $9,217
    LAKEVIEW LOAN SERVICING, LLC 1 5.25% $6,919
    LOANDEPOT.COM, LLC 1 5.38% $8,087
    AMERICA FIRST 1 5.63% $651
    MOVEMENT MORTGAGE, LLC 1 6.75% $37,301
    Paramount Residential Mortgage Group, Inc. 1 6.13% $17,966
    Plains Commerce Bank 1 5.88% $11,435
    PLANET HOME LENDING, LLC 1 5.88% $4,111
    SUN WEST MORTGAGE COMPANY, INC. 1 6.20% $11,993
    The Loan Store, Inc. 1 5.99% $13,520
    Utah Mortgage Loan Corporation 1 6.75% $16,525

    The top Logan VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 27 VA loans originated. Their average total fees are $9,124, which is $2,786 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Logan VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($6,338), FIRST COLONY MORTGAGE CORPORATION ($8,708), UNITED WHOLESALE MORTGAGE, LLC ($9,124), GUILD MORTGAGE COMPANY ($11,914) and .

    The lowest rate Logan VA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY (5.71%), FIRST COLONY MORTGAGE CORPORATION (5.80%), UNITED WHOLESALE MORTGAGE, LLC (5.93%), Mortgage Research Center, LLC (6.53%) and .

    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.