Sandpoint VA Loan Rates, Closing Costs & Stats

Sandpoint, 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.

    Sandpoint's 38 lenders originated 99 VA loans during 2024. The total origination value was $54,405,000, with an average VA loan value of $549,545.

    Sandpoint VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Sandpoint averaged 0.59% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Sandpoint's average VA mortgage closing costs are $8,078.

    The average rate for the prior week (2025-06-27) was 6.82% and one month ago for the week of 2025-05-30, the average rate was 6.85%.

    The average rate one year ago was 6.96%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.44%.

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

    Sandpoint 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 Sandpoint level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 13 6.13% $14,694
    QUICKEN LOANS, LLC 8 6.12% $16,428
    FREEDOM MORTGAGE CORPORATION 6 6.48% $14,738
    Mortgage Research Center, LLC 5 6.40% $9,241
    NAVY FEDERAL CREDIT UNION 5 5.78% $3,741
    Glacier Bank 5 5.83% $16,360
    LOANDEPOT.COM, LLC 4 6.12% $17,558
    USAA Federal Savings Bank 4 6.16% $8,465
    PLANET HOME LENDING, LLC 4 6.25% $10,498
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 4 5.94% $12,936
    PREMIER MORTGAGE RESOURCES, L.L.C. 3 5.79% $25,178
    Willamette Valley Bank 2 6.00% $4,572
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 5.44% $12,412
    Century Mortgage Company DBA Century Lending Company 2 6.06% $2,975
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.75% $5,813
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 6.13% $15,281
    GUARANTEED RATE, INC. 2 5.95% $2,303
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.63% $8,728
    T2 FINANCIAL LLC 2 6.75% $10,558
    ENVOY MORTGAGE, LTD 1 5.88% $9,831
    CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $23,094
    NATIONS DIRECT MORTGAGE, LLC 1 5.99% $13,675
    Credence Funding Corporation 1 6.00% $7,264
    NEWREZ LLC 1 6.25% $13,277
    PENNYMAC LOAN SERVICES, LLC 1 5.25% $7,674
    PENTAGON FEDERAL CREDIT UNION 1 6.38% $4,334
    CMG MORTGAGE, INC. 1 6.00% $8,697
    CHURCHILL MORTGAGE CORPORATION 1 7.50% $18,939
    Boeing Employees Credit Union 1 6.50% $800
    SUMMIT FUNDING, INC. 1 5.13% $28,097
    1st Security Bank of Washington 1 6.25% $7,033
    The Central Trust Bank 1 5.50% $9,362
    Umpqua Bank 1 6.13% $7,390
    Barrington Bank & Trust Company, N.A. 1 6.25% $4,627
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $6,623
    VILLAGE CAPITAL MORTGAGE 1 6.25% $7,444
    GUILD MORTGAGE COMPANY 1 5.75% $8,630
    Wallick & Volk, Inc. 1 6.38% $150

    The top Sandpoint VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 13 VA loans originated. Their average total fees are $14,694, which is $1,733 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Sandpoint VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($14,694), .

    The lowest rate Sandpoint VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.13%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Sandpoint (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 $359,250 (-2.6%) $529,361 (-7.4%) 0.00 361
    2018-02-01 $359,000 (2.6%) $540,038 (-2.6%) 0.00 370
    2018-03-01 $369,000 (-0.8%) $572,152 (0.3%) 0.00 402
    2018-04-01 $377,000 (4.1%) $570,435 (0.4%) 0.00 441
    2018-05-01 $379,000 (4.1%) $574,695 (4.2%) 0.00 514
    2018-06-01 $395,500 (8.1%) $592,223 (7.6%) 0.00 606
    2018-07-01 $398,000 (6.1%) $596,670 (8.9%) 0.00 641
    2018-08-01 $425,000 (9.3%) $629,187 (11.3%) 0.00 716
    2018-09-01 $399,900 (9.6%) $652,878 (15.2%) 0.00 613
    2018-10-01 $398,000 (8.8%) $640,031 (14.6%) 0.00 563
    2018-11-01 $397,725 (7.8%) $639,994 (16.2%) 0.00 490
    2018-12-01 $399,000 (8.1%) $683,261 (27.8%) 0.00 429
    2019-01-01 $404,500 (12.6%) $791,479 (49.5%) 0.00 342
    2019-02-01 $436,150 (21.5%) $865,671 (60.3%) 0.00 306
    2019-03-01 $449,386 (21.8%) $859,009 (50.1%) 0.00 317
    2019-04-01 $449,950 (19.4%) $810,138 (42.0%) 0.00 349
    2019-05-01 $453,675 (19.7%) $786,170 (36.8%) 0.00 404
    2019-06-01 $449,900 (13.8%) $762,387 (28.7%) 0.00 481
    2019-07-01 $450,000 (13.1%) $739,031 (23.9%) 0.00 555
    2019-08-01 $466,018 (9.7%) $758,561 (20.6%) 0.00 526
    2019-09-01 $467,695 (17.0%) $777,293 (19.1%) 0.00 467
    2019-10-01 $469,415 (17.9%) $802,431 (25.4%) 0.00 412
    2019-11-01 $479,000 (20.4%) $835,019 (30.5%) 0.00 361
    2019-12-01 $527,450 (32.2%) $899,823 (31.7%) 0.00 337
    2020-01-01 $548,000 (35.5%) $919,337 (16.2%) 0.00 282
    2020-02-01 $529,000 (21.3%) $928,983 (7.3%) 0.00 274
    2020-03-01 $546,475 (21.6%) $961,167 (11.9%) 0.00 271
    2020-04-01 $525,750 (16.9%) $918,451 (13.4%) 0.00 306
    2020-05-01 $529,500 (16.7%) $905,981 (15.2%) 0.00 326
    2020-06-01 $554,500 (23.3%) $906,796 (18.9%) 0.00 352
    2020-07-01 $576,311 (28.1%) $965,398 (30.6%) 0.00 342
    2020-08-01 $597,000 (28.1%) $1,045,947 (37.9%) 0.00 300
    2020-09-01 $594,500 (27.1%) $1,069,877 (37.6%) 0.00 234
    2020-10-01 $634,000 (35.1%) $1,155,678 (44.0%) 0.00 197
    2020-11-01 $684,225 (42.8%) $1,411,443 (69.0%) 0.00 149
    2020-12-01 $779,500 (47.8%) $1,611,353 (79.1%) 0.00 120
    2021-01-01 $800,000 (46.0%) $1,760,890 (91.5%) 0.00 88
    2021-02-01 $789,450 (49.2%) $1,840,501 (98.1%) 0.00 79
    2021-03-01 $699,225 (28.0%) $1,799,719 (87.2%) 0.00 77
    2021-04-01 $696,225 (32.4%) $1,734,015 (88.8%) 0.00 93
    2021-05-01 $726,000 (37.1%) $1,529,108 (68.8%) 0.00 134
    2021-06-01 $764,925 (38.0%) $1,279,522 (41.1%) 0.00 190
    2021-07-01 $707,500 (22.8%) $1,114,574 (15.5%) 0.00 277
    2021-08-01 $750,000 (25.6%) $1,115,062 (6.6%) 0.00 284
    2021-09-01 $749,675 (26.1%) $1,178,106 (10.1%) 0.00 287
    2021-10-01 $748,500 (18.1%) $1,291,544 (11.8%) 0.00 232
    2021-11-01 $739,700 (8.1%) $1,265,178 (-10.4%) 0.00 167
    2021-12-01 $742,000 (-4.8%) $1,321,001 (-18.0%) 0.00 134
    2022-01-01 $799,000 (-0.1%) $1,365,300 (-22.5%) 0.00 84
    2022-02-01 $891,950 (13.0%) $1,324,890 (-28.0%) 0.00 89
    2022-03-01 $964,250 (37.9%) $1,341,405 (-25.5%) 0.00 106
    2022-04-01 $875,000 (25.7%) $1,239,809 (-28.5%) 0.00 143
    2022-05-01 $838,850 (15.5%) $1,243,287 (-18.7%) 0.00 243
    2022-06-01 $828,500 (8.3%) $1,215,597 (-5.0%) 0.00 371
    2022-07-01 $799,850 (13.1%) $1,243,428 (11.6%) 0.00 466
    2022-08-01 $825,000 (10.0%) $1,242,856 (11.5%) 0.00 499
    2022-09-01 $812,250 (8.4%) $1,252,732 (6.3%) 0.00 472
    2022-10-01 $799,000 (6.8%) $1,218,853 (-5.6%) 0.00 439
    2022-11-01 $799,000 (8.0%) $1,187,414 (-6.2%) 0.00 367
    2022-12-01 $799,500 (7.8%) $1,204,015 (-8.9%) 0.00 325
    2023-01-01 $838,475 (4.9%) $1,231,679 (-9.8%) 0.00 269
    2023-02-01 $849,000 (-4.8%) $1,254,051 (-5.4%) 0.00 264
    2023-03-01 $849,700 (-11.9%) $1,280,440 (-4.5%) 0.00 258
    2023-04-01 $864,900 (-1.2%) $1,296,628 (4.6%) 0.00 256
    2023-05-01 $797,000 (-5.0%) $1,208,488 (-2.8%) 0.00 343
    2023-06-01 $796,250 (-3.9%) $1,222,987 (0.6%) 0.00 450
    2023-07-01 $777,450 (-2.8%) $1,207,759 (-2.9%) 0.00 513
    2023-08-01 $770,500 (-6.6%) $1,197,639 (-3.6%) 0.00 528
    2023-09-01 $775,000 (-4.6%) $1,200,297 (-4.2%) 0.00 491
    2023-10-01 $788,500 (-1.3%) $1,223,434 (0.4%) 0.00 446
    2023-11-01 $795,000 (-0.5%) $1,276,253 (7.5%) 0.00 369
    2023-12-01 $829,000 (3.7%) $1,252,457 (4.0%) 0.00 328
    2024-01-01 $832,000 (-0.8%) $1,256,532 (2.0%) 0.00 308
    2024-02-01 $799,450 (-5.8%) $1,251,434 (-0.2%) 0.00 269
    2024-03-01 $822,500 (-3.2%) $1,307,439 (2.1%) 0.00 294
    2024-04-01 $805,750 (-6.8%) $1,242,803 (-4.2%) 0.00 356
    2024-05-01 $799,000 (0.3%) $1,249,176 (3.4%) 0.00 426
    2024-06-01 $775,000 (-2.7%) $1,227,003 (0.3%) 0.00 498
    2024-07-01 $766,000 (-1.5%) $1,211,027 (0.3%) 0.00 558
    2024-08-01 $784,000 (1.8%) $1,243,564 (3.8%) 0.00 569
    2024-09-01 $788,000 (1.7%) $1,275,823 (6.3%) 0.00 559
    2024-10-01 $799,000 (1.3%) $1,289,747 (5.4%) 0.00 503
    2024-11-01 $822,500 (3.5%) $1,299,680 (1.8%) 0.00 443
    2024-12-01 $822,475 (-0.8%) $1,258,346 (0.5%) 0.00 384
    2025-01-01 $820,000 (-1.4%) $1,252,304 (-0.3%) 0.00 363
    2025-02-01 $835,875 (4.6%) $1,255,301 (0.3%) 0.00 314
    2025-03-01 $849,000 (3.2%) $1,274,449 (-2.5%) 0.00 333
    2025-04-01 $849,250 (5.4%) $1,283,308 (3.3%) 0.00 387
    2025-05-01 $839,500 (5.1%) $1,244,158 (-0.4%) 0.00 497
    Sandpoint's median listing price for 2025-05-01 was $839,500, a difference of $40,500 (5.1%) versus the prior year and $-9,750 versus the prior month.

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

    Sandpoint's average listing price for 2025-05-01 was $1,244,158, a difference of $-5,018 (-0.4%) versus the prior year and $-39,150 versus the prior month.

    For the 2025-05-01 period, Sandpoint had 497 MLS listings, a difference of 110 listings (28%) versus the prior month and 71 listings (17%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sandpoint (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,868 sqft
    2018-02-01 0 days 1,854 sqft
    2018-03-01 0 days 1,876 sqft
    2018-04-01 0 days 1,884 sqft
    2018-05-01 0 days 1,886 sqft
    2018-06-01 0 days 1,914 sqft
    2018-07-01 0 days 1,928 sqft
    2018-08-01 0 days 1,960 sqft
    2018-09-01 0 days 2,059 sqft
    2018-10-01 0 days 2,026 sqft
    2018-11-01 0 days 2,033 sqft
    2018-12-01 0 days 2,056 sqft
    2019-01-01 0 days 2,033 sqft
    2019-02-01 0 days 2,076 sqft
    2019-03-01 0 days 2,069 sqft
    2019-04-01 0 days 2,018 sqft
    2019-05-01 0 days 2,080 sqft
    2019-06-01 0 days 2,050 sqft
    2019-07-01 0 days 1,988 sqft
    2019-08-01 0 days 2,041 sqft
    2019-09-01 0 days 2,122 sqft
    2019-10-01 0 days 2,211 sqft
    2019-11-01 0 days 2,112 sqft
    2019-12-01 0 days 1,964 sqft
    2020-01-01 0 days 1,899 sqft
    2020-02-01 0 days 1,897 sqft
    2020-03-01 0 days 1,990 sqft
    2020-04-01 0 days 1,970 sqft
    2020-05-01 0 days 2,025 sqft
    2020-06-01 0 days 2,065 sqft
    2020-07-01 0 days 2,140 sqft
    2020-08-01 0 days 2,100 sqft
    2020-09-01 0 days 2,075 sqft
    2020-10-01 0 days 2,216 sqft
    2020-11-01 0 days 2,325 sqft
    2020-12-01 0 days 2,339 sqft
    2021-01-01 0 days 2,240 sqft
    2021-02-01 0 days 2,244 sqft
    2021-03-01 0 days 2,180 sqft
    2021-04-01 0 days 2,109 sqft
    2021-05-01 0 days 2,139 sqft
    2021-06-01 0 days 2,009 sqft
    2021-07-01 0 days 2,010 sqft
    2021-08-01 0 days 2,020 sqft
    2021-09-01 0 days 2,032 sqft
    2021-10-01 0 days 2,001 sqft
    2021-11-01 0 days 1,936 sqft
    2021-12-01 0 days 1,966 sqft
    2022-01-01 0 days 1,990 sqft
    2022-02-01 0 days 1,967 sqft
    2022-03-01 0 days 2,054 sqft
    2022-04-01 0 days 1,975 sqft
    2022-05-01 0 days 1,917 sqft
    2022-06-01 0 days 1,874 sqft
    2022-07-01 0 days 1,902 sqft
    2022-08-01 0 days 1,952 sqft
    2022-09-01 0 days 2,000 sqft
    2022-10-01 0 days 2,024 sqft
    2022-11-01 0 days 1,969 sqft
    2022-12-01 0 days 1,866 sqft
    2023-01-01 0 days 1,856 sqft
    2023-02-01 0 days 1,888 sqft
    2023-03-01 0 days 1,900 sqft
    2023-04-01 0 days 2,000 sqft
    2023-05-01 0 days 1,999 sqft
    2023-06-01 0 days 2,012 sqft
    2023-07-01 0 days 1,938 sqft
    2023-08-01 0 days 1,915 sqft
    2023-09-01 0 days 1,936 sqft
    2023-10-01 0 days 2,017 sqft
    2023-11-01 0 days 2,028 sqft
    2023-12-01 0 days 2,016 sqft
    2024-01-01 0 days 2,006 sqft
    2024-02-01 0 days 1,900 sqft
    2024-03-01 0 days 1,915 sqft
    2024-04-01 0 days 1,896 sqft
    2024-05-01 0 days 1,890 sqft
    2024-06-01 0 days 1,844 sqft
    2024-07-01 0 days 1,860 sqft
    2024-08-01 0 days 1,896 sqft
    2024-09-01 0 days 1,913 sqft
    2024-10-01 0 days 1,914 sqft
    2024-11-01 0 days 1,869 sqft
    2024-12-01 0 days 1,874 sqft
    2025-01-01 0 days 1,874 sqft
    2025-02-01 0 days 1,919 sqft
    2025-03-01 0 days 2,050 sqft
    2025-04-01 0 days 2,059 sqft
    2025-05-01 0 days 2,052 sqft
    Sandpoint's median listing age (time on market) for 2025-05-01 was 0 days.

    Sandpoint's median square footage for active listings during the 2025-05-01 period was 2,052 sqft. One year prior, the average listing was 1,890 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.