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 0.49% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

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

The average rate for the prior week (2025-06-13) was 6.94% and one month ago for the week of 2025-05-16, the average rate was 6.5%.

The average rate one year ago was 6.6%.

For refis of the same type during the week of 2025-06-20, the average rate was 0.08%.

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 .

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.