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.