Lewiston VA Loan Rates, Closing Costs & Stats

LEWISTON, ID-WA

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 6.8% for the week of 2025-05-16, compared to the national average (all VA variants) of 6.407% for the same period.

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

The average rate for the prior week (2025-05-09) was 6.66% and one month ago for the week of 2025-04-11, the average rate was 6.84%.

The average rate one year ago was 7.1%.

For refis of the same type during the week of 2025-05-16, the average rate was 6.19%.

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.