Coeur D'alene VA Loan Rates, Closing Costs & Stats

Coeur d'Alene, 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.

    Coeur D'alene's 59 lenders originated 519 VA loans during 2025. The total origination value was $272,545,000, with an average VA loan value of $525,135.

    Coeur D'alene VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Coeur D'alene averaged 6.84% for the week of 2026-11-06, compared to the national average (all VA variants) of 6.761% for the same period.

    Coeur D'alene's average VA mortgage closing costs are $8,323.

    The average rate for the prior week (2026-10-30) was 6.92% and one month ago for the week of 2026-10-02, the average rate was 7.41%.

    The average rate one year ago was 5.99%.

    For refis of the same type during the week of 2026-11-06, the average rate was 6.77%.

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

    Coeur D'alene 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 Coeur D'alene level.

    Name # of Loans 2025 Avg. 30yFix Rate 2025 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 68 5.72% $9,810
    Mortgage Research Center, LLC 40 5.99% $8,701
    CMG MORTGAGE, INC. 29 5.94% $13,187
    LOANDEPOT.COM, LLC 29 5.56% $17,131
    Glacier Bank 28 6.04% $11,757
    QUICKEN LOANS, LLC 25 5.84% $11,522
    GUARANTEED RATE, INC. 22 6.09% $8,163
    PENNYMAC LOAN SERVICES, LLC 21 5.66% $12,262
    Willamette Valley Bank 19 6.09% $12,652
    FREEDOM MORTGAGE CORPORATION 18 5.76% $11,165
    IDAHO CENTRAL 16 5.89% $9,140
    PREMIER MORTGAGE RESOURCES, L.L.C. 15 5.96% $15,171
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 14 5.71% $14,477
    Paramount Residential Mortgage Group, Inc. 12 6.21% $12,758
    PLANET HOME LENDING, LLC 11 5.67% $7,860
    EAGLE HOME MORTGAGE, LLC 10 4.65% $9,728
    Century Mortgage Company DBA Century Lending Company 8 6.30% $6,756
    VILLAGE CAPITAL MORTGAGE 8 5.81% $5,681
    NEW DAY FINANCIAL, LLC 8 6.90% $16,980
    CROSSCOUNTRY MORTGAGE, LLC 7 5.74% $11,442
    GUILD MORTGAGE COMPANY 7 5.63% $10,117
    NEWREZ LLC 7 5.75% $11,068
    NFM, INC. 5 6.18% $11,439
    LAKEVIEW LOAN SERVICING, LLC 5 5.87% $7,725
    Sunflower Bank 5 5.84% $19,250
    NAVY FEDERAL CREDIT UNION 4 5.63% $10,758
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.03% $13,918
    SUMMIT FUNDING, INC. 3 6.37% $11,794
    The Federal Savings Bank 3 7.04% $9,971
    Alaska USA Federal Credit Union 3 5.83% $20,883
    AMERISAVE MORTGAGE CORPORATION 2 5.56% $37,763
    BAY EQUITY LLC 2 6.37% $1,247
    Umpqua Bank 2 5.44% $21,029
    Mr. Cooper ( Nationstar Mortgage ) 2 6.50% $16,360
    USAA Federal Savings Bank 2 6.38% $4,566
    U.S. Bank 2 6.25% $8,297
    Boeing Employees Credit Union 2 6.44% $957
    PENTAGON FEDERAL CREDIT UNION 2 5.75% $3,751
    CANOPY MORTGAGE, LLC 2 6.44% $13,028
    S1L, Inc. 2 6.13% $18,373
    PLAZA HOME MORTGAGE, INC. 1 6.38% $20,874
    Barrington Bank & Trust Company, N.A. 1 6.25% $3,891
    The Loan Store, Inc. 1 5.49% $14,777
    AmeriHome Mortgage Company, LLC 1 5.88% $9,820
    AMERICAN FINANCING CORPORATION 1 5.50% $12,335
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.25% $14,009
    AMERICAN FINANCIAL NETWORK, INC. 1 5.25% $15,785
    HOMESIDE FINANCIAL, LLC 1 6.75% $14,050
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.75% $13,317
    JMAC LENDING, INC. 1 5.99% $4,414
    Granite Community Bank 1 6.00% $8,517
    GoPrime Mortgage, Inc. 1 6.75% $11,759
    LOANPAL, LLC 1 5.88% $305
    Flagstar Bank, FSB 1 6.00% $6,891
    First Interstate Bank 1 5.75% $8,882
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.13% $7,009
    Equity Prime Mortgage LLC 1 5.75% $26,447
    ENVOY MORTGAGE, LTD 1 5.63% $4,536
    PHH Mortgage Corporation 1 5.49% $4,460

    The top Coeur D'alene VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 68 VA loans originated. Their average total fees are $9,810, which is $1,109 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Coeur D'alene VA lenders (with over 10 loans originated) are PLANET HOME LENDING, LLC ($7,860), GUARANTEED RATE, INC. ($8,163), Mortgage Research Center, LLC ($8,701), IDAHO CENTRAL ($9,140) and EAGLE HOME MORTGAGE, LLC ($9,728).

    The lowest rate Coeur D'alene VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.65%), LOANDEPOT.COM, LLC (5.56%), PENNYMAC LOAN SERVICES, LLC (5.66%), PLANET HOME LENDING, LLC (5.67%) and EVERGREEN MONEYSOURCE MORTGAGE COMPANY (5.71%).

    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.