Boise City VA Loan Rates, Closing Costs & Stats

BOISE CITY, 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.

    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 6.61% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

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

    The average rate for the prior week (2025-07-04) was 6.52% and one month ago for the week of 2025-06-06, the average rate was 6.59%.

    The average rate one year ago was 6.41%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.46%.

    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.