Lewiston VA Loan Rates, Closing Costs & Stats

LEWISTON, ID-WA

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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.

    Lewiston's 38 lenders originated 149 VA loans during 2024. The total origination value was $53,625,000, with an average VA loan value of $359,899.

    Lewiston VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Lewiston averaged 7.01% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Lewiston's average VA mortgage closing costs are $6,822.

    The average rate for the prior week (2025-05-16) was 6.7% and one month ago for the week of 2025-04-18, the average rate was 6.47%.

    The average rate one year ago was 6.69%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.5%.

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

    Lewiston 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 Lewiston level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 27 6.07% $8,573
    Mortgage Research Center, LLC 27 6.18% $7,195
    BAY EQUITY LLC 15 6.39% $7,845
    FREEDOM MORTGAGE CORPORATION 11 6.22% $11,275
    QUICKEN LOANS, LLC 9 5.89% $10,718
    VILLAGE CAPITAL MORTGAGE 4 5.38% $3,442
    Mr. Cooper ( Nationstar Mortgage ) 4 6.00% $6,200
    MOVEMENT MORTGAGE, LLC 3 6.33% $8,944
    USAA Federal Savings Bank 3 6.46% $4,782
    NAVY FEDERAL CREDIT UNION 3 5.29% $10,172
    S1L, Inc. 2 6.50% $9,809
    PENNYMAC LOAN SERVICES, LLC 2 5.88% $21,864
    CLEARPATH LENDING 2 5.44% $11,537
    CMG MORTGAGE, INC. 2 5.88% $10,141
    NEWREZ LLC 2 5.47% $7,810
    DAS Acquisition Company, LLC 2 5.69% $7,680
    NEW DAY FINANCIAL, LLC 2 7.25% $26,957
    CROSSCOUNTRY MORTGAGE, LLC 2 5.75% $8,654
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.06% $5,840
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.44% $14,680
    Zions Bank 1 6.13% $3,766
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.99% $3,117
    AMERISAVE MORTGAGE CORPORATION 1 7.75% $5,200
    Barrington Bank & Trust Company, N.A. 1 6.75% $4,833
    BROKER SOLUTIONS, INC. 1 6.75% $18,613
    Equity Prime Mortgage LLC 1 5.88% $7,987
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.75% $4,351
    GUILD MORTGAGE COMPANY 1 6.38% $17,167
    IDAHO CENTRAL 1 6.75% $4,909
    LOANDEPOT.COM, LLC 1 5.63% $19,986
    Magnolia Bank 1 6.13% $25,145
    MORTGAGEONE, INC. 1 7.25% $3,309
    PLANET HOME LENDING, LLC 1 5.38% $7,491
    PLAZA HOME MORTGAGE, INC. 1 5.50% $8,978
    SUMMIT FUNDING, INC. 1 5.75% $7,128
    SUN WEST MORTGAGE COMPANY, INC. 1 5.75% $8,249
    The Federal Savings Bank 1 6.50% $23,287
    American Mortgage & Equity Consultants, Inc. 1 6.49% $12,509

    The top Lewiston VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 27 VA loans originated. Their average total fees are $8,573, which is $1,378 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Lewiston VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($7,195), BAY EQUITY LLC ($7,845), UNITED WHOLESALE MORTGAGE, LLC ($8,573), FREEDOM MORTGAGE CORPORATION ($11,275) and .

    The lowest rate Lewiston VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.07%), Mortgage Research Center, LLC (6.18%), FREEDOM MORTGAGE CORPORATION (6.22%), BAY EQUITY LLC (6.39%) and .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Lewiston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $232,188 (8.0%) $295,830 (8.0%) 0.00 211
    2018-02-01 $239,000 (11.2%) $295,371 (7.6%) 0.00 206
    2018-03-01 $246,500 (8.0%) $295,442 (13.0%) 0.00 239
    2018-04-01 $252,750 (6.4%) $297,066 (11.2%) 0.00 261
    2018-05-01 $250,500 (4.4%) $304,760 (13.9%) 0.00 286
    2018-06-01 $249,900 (4.2%) $300,576 (14.0%) 0.00 281
    2018-07-01 $250,500 (4.8%) $306,691 (17.5%) 0.00 292
    2018-08-01 $252,325 (6.5%) $307,942 (17.6%) 0.00 291
    2018-09-01 $249,500 (4.4%) $314,107 (17.0%) 0.00 273
    2018-10-01 $245,450 (6.9%) $307,675 (15.9%) 0.00 262
    2018-11-01 $239,225 (1.8%) $303,161 (8.1%) 0.00 251
    2018-12-01 $239,500 (2.6%) $315,218 (9.2%) 0.00 192
    2019-01-01 $239,925 (3.3%) $312,282 (5.6%) 0.00 170
    2019-02-01 $239,975 (0.4%) $309,539 (4.8%) 0.00 171
    2019-03-01 $250,257 (1.5%) $316,103 (7.0%) 0.00 203
    2019-04-01 $265,875 (5.2%) $327,586 (10.3%) 0.00 244
    2019-05-01 $281,125 (12.2%) $337,016 (10.6%) 0.00 132
    2019-06-01 $278,450 (11.4%) $348,751 (16.0%) 0.00 140
    2019-07-01 $287,212 (14.7%) $363,791 (18.6%) 0.00 142
    2019-08-01 $282,805 (12.1%) $359,764 (16.8%) 0.00 139
    2019-09-01 $272,761 (9.3%) $343,663 (9.4%) 0.00 146
    2019-10-01 $264,975 (8.0%) $327,642 (6.5%) 0.00 150
    2019-11-01 $259,900 (8.6%) $317,017 (4.6%) 0.00 152
    2019-12-01 $261,050 (9.0%) $325,801 (3.4%) 0.00 124
    2020-01-01 $266,125 (10.9%) $321,722 (3.0%) 0.00 102
    2020-02-01 $269,900 (12.5%) $327,075 (5.7%) 0.00 97
    2020-03-01 $266,000 (6.3%) $329,068 (4.1%) 0.00 97
    2020-04-01 $267,225 (0.5%) $335,275 (2.4%) 0.00 106
    2020-05-01 $297,000 (5.7%) $371,939 (10.4%) 0.00 98
    2020-06-01 $277,400 (-0.4%) $369,800 (6.0%) 0.00 84
    2020-07-01 $291,200 (1.4%) $380,219 (4.5%) 0.00 74
    2020-08-01 $285,000 (0.8%) $377,917 (5.1%) 0.00 83
    2020-09-01 $288,450 (5.8%) $371,529 (8.1%) 0.00 78
    2020-10-01 $289,900 (9.4%) $398,558 (21.6%) 0.00 73
    2020-11-01 $281,400 (8.3%) $413,648 (30.5%) 0.00 63
    2020-12-01 $276,425 (5.9%) $411,398 (26.3%) 0.00 50
    2021-01-01 $277,900 (4.4%) $426,857 (32.7%) 0.00 40
    2021-02-01 $319,700 (18.5%) $531,551 (62.5%) 0.00 31
    2021-03-01 $361,750 (36.0%) $555,545 (68.8%) 0.00 35
    2021-04-01 $361,475 (35.3%) $560,728 (67.2%) 0.00 34
    2021-05-01 $369,000 (24.2%) $531,825 (43.0%) 0.00 46
    2021-06-01 $349,750 (26.1%) $533,043 (44.1%) 0.00 52
    2021-07-01 $312,500 (7.3%) $488,653 (28.5%) 0.00 66
    2021-08-01 $342,500 (20.2%) $547,764 (44.9%) 0.00 94
    2021-09-01 $344,700 (19.5%) $564,421 (51.9%) 0.00 94
    2021-10-01 $354,900 (22.4%) $562,640 (41.2%) 0.00 96
    2021-11-01 $388,225 (38.0%) $580,352 (40.3%) 0.00 81
    2021-12-01 $380,000 (37.5%) $613,532 (49.1%) 0.00 66
    2022-01-01 $394,250 (41.9%) $625,021 (46.4%) 0.00 52
    2022-02-01 $403,450 (26.2%) $684,868 (28.8%) 0.00 40
    2022-03-01 $424,250 (17.3%) $658,655 (18.6%) 0.00 46
    2022-04-01 $432,500 (19.7%) $595,591 (6.2%) 0.00 67
    2022-05-01 $432,475 (17.2%) $632,952 (19.0%) 0.00 77
    2022-06-01 $444,450 (27.1%) $605,865 (13.7%) 0.00 103
    2022-07-01 $419,900 (34.4%) $552,593 (13.1%) 0.00 137
    2022-08-01 $414,950 (21.2%) $536,675 (-2.0%) 0.00 154
    2022-09-01 $432,450 (25.5%) $539,189 (-4.5%) 0.00 148
    2022-10-01 $441,825 (24.5%) $538,265 (-4.3%) 0.00 151
    2022-11-01 $433,425 (11.6%) $506,412 (-12.7%) 0.00 151
    2022-12-01 $419,000 (10.3%) $488,449 (-20.4%) 0.00 136
    2023-01-01 $417,250 (5.8%) $479,987 (-23.2%) 0.00 134
    2023-02-01 $419,500 (4.0%) $473,268 (-30.9%) 0.00 131
    2023-03-01 $413,000 (-2.7%) $482,940 (-26.7%) 0.00 111
    2023-04-01 $415,000 (-4.1%) $483,863 (-18.8%) 0.00 118
    2023-05-01 $425,900 (-1.5%) $507,323 (-19.9%) 0.00 127
    2023-06-01 $440,250 (-0.9%) $531,127 (-12.3%) 0.00 139
    2023-07-01 $430,000 (2.4%) $544,129 (-1.5%) 0.00 169
    2023-08-01 $428,000 (3.1%) $547,564 (2.0%) 0.00 186
    2023-09-01 $425,000 (-1.7%) $545,712 (1.2%) 0.00 191
    2023-10-01 $423,500 (-4.2%) $552,591 (2.7%) 0.00 191
    2023-11-01 $425,000 (-1.9%) $560,405 (10.7%) 0.00 172
    2023-12-01 $417,250 (-0.4%) $553,741 (13.4%) 0.00 147
    2024-01-01 $422,500 (1.3%) $566,680 (18.1%) 0.00 137
    2024-02-01 $416,050 (-0.8%) $564,795 (19.3%) 0.00 135
    2024-03-01 $419,500 (1.6%) $559,282 (15.8%) 0.00 129
    2024-04-01 $439,500 (5.9%) $581,126 (20.1%) 0.00 142
    2024-05-01 $465,200 (9.2%) $581,939 (14.7%) 0.00 155
    2024-06-01 $445,000 (1.1%) $577,190 (8.7%) 0.00 173
    2024-07-01 $439,625 (2.2%) $571,708 (5.1%) 0.00 184
    2024-08-01 $438,250 (2.4%) $564,529 (3.1%) 0.00 196
    2024-09-01 $437,250 (2.9%) $543,814 (-0.4%) 0.00 204
    2024-10-01 $434,725 (2.7%) $547,071 (-1.0%) 0.00 193
    2024-11-01 $437,450 (2.9%) $545,893 (-2.6%) 0.00 185
    2024-12-01 $425,000 (1.9%) $543,095 (-1.9%) 0.00 177
    2025-01-01 $425,000 (0.6%) $532,642 (-6.0%) 0.00 170
    2025-02-01 $426,475 (2.5%) $524,078 (-7.2%) 0.00 164
    2025-03-01 $437,000 (4.2%) $526,259 (-5.9%) 0.00 165
    2025-04-01 $449,500 (2.3%) $544,589 (-6.3%) 0.00 188
    Lewiston's median listing price for 2025-04-01 was $449,500, a difference of $10,000 (2.3%) versus the prior year and $12,500 versus the prior month.

    Lewiston's median listing price comes in at 0% of the national average.

    Lewiston's average listing price for 2025-04-01 was $544,589, a difference of $-36,537 (-6.3%) versus the prior year and $18,330 versus the prior month.

    For the 2025-04-01 period, Lewiston had 188 MLS listings, a difference of 23 listings (14%) versus the prior month and 46 listings (32%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Lewiston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,128 sqft
    2018-02-01 0 days 2,183 sqft
    2018-03-01 0 days 2,176 sqft
    2018-04-01 0 days 2,218 sqft
    2018-05-01 0 days 2,220 sqft
    2018-06-01 0 days 2,240 sqft
    2018-07-01 0 days 2,247 sqft
    2018-08-01 0 days 2,251 sqft
    2018-09-01 0 days 2,238 sqft
    2018-10-01 0 days 2,162 sqft
    2018-11-01 0 days 2,099 sqft
    2018-12-01 0 days 2,138 sqft
    2019-01-01 0 days 2,154 sqft
    2019-02-01 0 days 2,156 sqft
    2019-03-01 0 days 2,194 sqft
    2019-04-01 0 days 2,216 sqft
    2019-05-01 0 days 2,209 sqft
    2019-06-01 0 days 2,184 sqft
    2019-07-01 0 days 2,246 sqft
    2019-08-01 0 days 2,352 sqft
    2019-09-01 0 days 2,359 sqft
    2019-10-01 0 days 2,353 sqft
    2019-11-01 0 days 2,288 sqft
    2019-12-01 0 days 2,327 sqft
    2020-01-01 0 days 2,371 sqft
    2020-02-01 0 days 2,288 sqft
    2020-03-01 0 days 2,148 sqft
    2020-04-01 0 days 2,111 sqft
    2020-05-01 0 days 2,288 sqft
    2020-06-01 0 days 2,148 sqft
    2020-07-01 0 days 2,194 sqft
    2020-08-01 0 days 2,243 sqft
    2020-09-01 0 days 2,231 sqft
    2020-10-01 0 days 2,190 sqft
    2020-11-01 0 days 2,189 sqft
    2020-12-01 0 days 2,046 sqft
    2021-01-01 0 days 1,949 sqft
    2021-02-01 0 days 2,164 sqft
    2021-03-01 0 days 2,169 sqft
    2021-04-01 0 days 1,977 sqft
    2021-05-01 0 days 2,172 sqft
    2021-06-01 0 days 2,186 sqft
    2021-07-01 0 days 2,018 sqft
    2021-08-01 0 days 2,118 sqft
    2021-09-01 0 days 1,979 sqft
    2021-10-01 0 days 2,056 sqft
    2021-11-01 0 days 2,170 sqft
    2021-12-01 0 days 2,039 sqft
    2022-01-01 0 days 2,024 sqft
    2022-02-01 0 days 2,042 sqft
    2022-03-01 0 days 2,127 sqft
    2022-04-01 0 days 2,176 sqft
    2022-05-01 0 days 2,229 sqft
    2022-06-01 0 days 2,148 sqft
    2022-07-01 0 days 2,090 sqft
    2022-08-01 0 days 2,170 sqft
    2022-09-01 0 days 2,241 sqft
    2022-10-01 0 days 2,244 sqft
    2022-11-01 0 days 2,141 sqft
    2022-12-01 0 days 2,089 sqft
    2023-01-01 0 days 2,106 sqft
    2023-02-01 0 days 2,123 sqft
    2023-03-01 0 days 2,153 sqft
    2023-04-01 0 days 2,174 sqft
    2023-05-01 0 days 2,177 sqft
    2023-06-01 0 days 2,288 sqft
    2023-07-01 0 days 2,212 sqft
    2023-08-01 0 days 2,254 sqft
    2023-09-01 0 days 2,271 sqft
    2023-10-01 0 days 2,195 sqft
    2023-11-01 0 days 2,181 sqft
    2023-12-01 0 days 2,177 sqft
    2024-01-01 0 days 2,138 sqft
    2024-02-01 0 days 2,076 sqft
    2024-03-01 0 days 2,025 sqft
    2024-04-01 0 days 2,129 sqft
    2024-05-01 0 days 2,209 sqft
    2024-06-01 0 days 2,193 sqft
    2024-07-01 0 days 2,112 sqft
    2024-08-01 0 days 2,098 sqft
    2024-09-01 0 days 2,078 sqft
    2024-10-01 0 days 2,115 sqft
    2024-11-01 0 days 2,107 sqft
    2024-12-01 0 days 2,108 sqft
    2025-01-01 0 days 2,096 sqft
    2025-02-01 0 days 2,078 sqft
    2025-03-01 0 days 2,080 sqft
    2025-04-01 0 days 2,086 sqft
    Lewiston's median listing age (time on market) for 2025-04-01 was 0 days.

    Lewiston's median square footage for active listings during the 2025-04-01 period was 2,086 sqft. One year prior, the average listing was 2,129 sqft.

    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.