Boise City VA Loan Rates, Closing Costs & Stats

BOISE CITY, ID

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.

Boise City's 122 lenders originated 1,789 VA loans during 2024. The total origination value was $814,755,000, with an average VA loan value of $455,425.

Boise City VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Boise City averaged 0.24% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

Boise City's average VA mortgage closing costs are $7,943.

The average rate for the prior week (2025-06-27) was 6.57% and one month ago for the week of 2025-05-30, the average rate was 6.7%.

The average rate one year ago was 6.71%.

For refis of the same type during the week of 2025-07-04, the average rate was 0.19%.

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

Boise City 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 Boise City level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 249 5.81% $7,859
Mortgage Research Center, LLC 121 6.13% $7,543
QUICKEN LOANS, LLC 110 5.92% $11,540
PREMIER MORTGAGE RESOURCES, L.L.C. 67 5.72% $12,028
GUILD MORTGAGE COMPANY 63 5.95% $12,056
AMERICAN PACIFIC MORTGAGE CORPORATION 52 6.07% $13,252
FREEDOM MORTGAGE CORPORATION 52 6.05% $13,060
MOVEMENT MORTGAGE, LLC 48 6.29% $13,359
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 44 6.24% $10,262
TBI MORTGAGE COMPANY 42 5.75% $5,212
IDAHO CENTRAL 42 5.88% $9,950
PENNYMAC LOAN SERVICES, LLC 41 5.67% $8,913
LOANDEPOT.COM, LLC 40 5.95% $16,049
S1L, Inc. 39 5.95% $14,603
GUARANTEED RATE, INC. 32 6.07% $7,450
CROSSCOUNTRY MORTGAGE, LLC 27 5.81% $9,654
Sunflower Bank 27 6.15% $13,761
NAVY FEDERAL CREDIT UNION 27 5.83% $4,730
ARK-LA-TEX FINANCIAL SERVICES, LLC. 25 6.22% $11,255
CMG MORTGAGE, INC. 24 5.90% $13,958
CLM MORTGAGE, INC 20 5.50% $4,557
Waterstone Mortgage Corporation 19 6.24% $10,669
USAA Federal Savings Bank 19 6.14% $9,481
HOMEAMERICAN MORTGAGE CORPORATION 18 4.86% $3,869
PRIMELENDING, A PLAINSCAPITAL COMPANY 18 6.47% $12,929
NATIONS DIRECT MORTGAGE, LLC 18 6.06% $11,992
VILLAGE CAPITAL MORTGAGE 15 5.66% $10,490
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 15 6.32% $18,203
MUTUAL OF OMAHA MORTGAGE, INC. 14 6.08% $11,261
Century Mortgage Company DBA Century Lending Company 13 5.72% $9,728
NEWREZ LLC 13 5.93% $9,773
EAGLE HOME MORTGAGE, LLC 13 5.26% $4,577
LAKEVIEW LOAN SERVICING, LLC 13 6.08% $6,554
MY MOVE MORTGAGE, LLC 12 5.78% $14,546
The Federal Savings Bank 12 6.10% $17,301
The Loan Store, Inc. 11 5.82% $9,586
Plains Commerce Bank 11 5.69% $13,645
PLANET HOME LENDING, LLC 11 5.54% $4,539
CHURCHILL MORTGAGE CORPORATION 11 6.16% $13,353
JMJ FINANCIAL GROUP 11 5.81% $15,925
FIRST COLONY MORTGAGE CORPORATION 9 6.21% $10,086
BROKER SOLUTIONS, INC. 9 6.14% $11,742
SUMMIT FUNDING, INC. 8 6.36% $8,224
NEW DAY FINANCIAL, LLC 7 7.10% $14,541
U.S. Bank 7 5.82% $12,383
CASTLE & COOKE MORTGAGE, LLC 7 6.30% $10,286
Mr. Cooper ( Nationstar Mortgage ) 7 6.29% $15,545
Willamette Valley Bank 6 5.79% $13,074
Bank of England 6 5.88% $13,610
NBKC BANK 6 5.65% $4,527
Magnolia Bank 5 5.93% $11,238
CLEARPATH LENDING 5 5.70% $12,571
KBHS HOME LOANS, LLC 5 5.33% $5,209
AXIA FINANCIAL, LLC 5 6.27% $6,363
CANOPY MORTGAGE, LLC 5 6.48% $20,521
MOUNTAIN AMERICA 4 5.38% $11,913
Barrington Bank & Trust Company, N.A. 4 6.50% $7,784
ENVOY MORTGAGE, LTD 4 6.78% $9,338
JMAC LENDING, INC. 4 5.84% $11,234
MORTGAGE SOLUTIONS OF COLORADO, LLC 4 6.88% $21,971
Paramount Residential Mortgage Group, Inc. 4 6.28% $9,897
SUN WEST MORTGAGE COMPANY, INC. 4 6.05% $12,141
Carrington Mortgage Services, LLC 3 6.08% $20,022
Equity Prime Mortgage LLC 3 6.88% $14,757
NFM, INC. 3 6.08% $8,698
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 6.33% $8,177
Sierra Pacific Mortgage Company, Inc. 3 6.08% $5,439
JPMorgan Chase Bank 3 5.46% $10,784
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.38% $16,121
First Federal Savings Bank of Twin Falls 2 5.94% $25,438
Gateway First Bank 2 6.50% $9,652
CORNERSTONE HOME LENDING, INC. 2 5.62% $12,301
First Federal Bank 2 6.44% $5,188
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.50% $12,614
FIRST COMMUNITY MORTGAGE, INC. 2 6.50% $14,894
LAND HOME FINANCIAL SERVICES, INC. 2 6.56% $15,223
Encompass Lending Group, LP 2 6.25% $11,642
Summit Mortgage Corporation 2 5.75% $17,005
BAY EQUITY LLC 2 4.31% $7,227
D. L. Evans Bank 2 5.88% $6,181
INTERCAP LENDING INC. 2 5.63% $10,400
Umpqua Bank 2 6.19% $9,149
UNION HOME MORTGAGE CORP. 2 6.13% $14,601
AMERISAVE MORTGAGE CORPORATION 2 6.13% $28,752
VANDERBILT MORTGAGE AND FINANCE, INC. 2 6.75% $3,787
American Mortgage & Equity Consultants, Inc. 2 6.19% $7,819
AMERICAN FINANCIAL NETWORK, INC. 2 6.50% $16,299
HOMESIDE FINANCIAL, LLC 2 6.63% $23,281
Truist 1 6.20% $5,394
HORIZON 1 6.13% $5,529
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.75% $2,279
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.50% $10,065
KeyBank 1 5.75% $4,080
LADERA LENDING, INC. 1 7.13% $14,447
Lakeview Community Capital, LLC 1 5.25% $4,424
Franklin Loan Corporation 1 5.25% $13,911
LOANPAL, LLC 1 4.75% $11,091
MORTGAGE ACCESS CORP. 1 5.50% $13,801
MORTGAGE EXPRESS, LLC 1 5.25% $20,078
MORTGAGEONE, INC. 1 6.25% $10,265
M&T Bank 1 6.25% $13,652
Nations Lending Corporation 1 6.25% $27,268
EMBRACE HOME LOANS, INC. 1 6.75% $4,822
ALLIANT CREDIT UNION 1 5.50% $8,513
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.13% $20,630
NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.63% $1,132
Credence Funding Corporation 1 5.50% $5,927
PENTAGON FEDERAL CREDIT UNION 1 6.00% $0
Cornerstone First Mortgage, Inc 1 7.13% $24,688
POLARIS HOME FUNDING CORP. 1 6.75% $22,261
Commerce Home Mortgage, Inc. 1 5.50% $6,031
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.63% $7,701
RESIDENTIAL MORTGAGE, LLC 1 5.75% $9,811
ROGUE 1 6.38% $9,552
SAMMAMISH MORTGAGE COMPANY 1 6.13% $2,374
SECURITYNATIONAL MORTGAGE COMPANY 1 6.75% $6,498
Shea Mortgage Inc. 1 5.99% $0
Strong Home Mortgage, LLC 1 5.25% $17,313
BELEM SERVICING LLC 1 5.50% $12,342
Texana Bank 1 5.75% $28,599
HomeStreet Bank 1 6.63% $3,395
AMERITRUST MORTGAGE CORPORATION 1 5.49% $8,576

The top Boise City VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 249 VA loans originated. Their average total fees are $7,859, which is $317 higher than the next largest lender, Mortgage Research Center, LLC.

The lowest fee Boise City VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($3,869), PLANET HOME LENDING, LLC ($4,539), CLM MORTGAGE, INC ($4,557), EAGLE HOME MORTGAGE, LLC ($4,577) and NAVY FEDERAL CREDIT UNION ($4,730).

The lowest rate Boise City VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (4.86%), EAGLE HOME MORTGAGE, LLC (5.26%), CLM MORTGAGE, INC (5.50%), PLANET HOME LENDING, LLC (5.54%) and VILLAGE CAPITAL MORTGAGE (5.66%).

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.