Twin Falls VA Loan Rates, Closing Costs & Stats

TWIN FALLS, 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.

    Twin Falls's 36 lenders originated 184 VA loans during 2024. The total origination value was $64,720,000, with an average VA loan value of $351,739.

    Twin Falls VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Twin Falls averaged 6.36% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Twin Falls's average VA mortgage closing costs are $7,304.

    The average rate for the prior week (2025-03-28) was 6.18% and one month ago for the week of 2025-02-28, the average rate was 6.15%.

    The average rate one year ago was 6.56%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.07%.

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

    Twin Falls 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 Twin Falls level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 21 5.88% $6,015
    Mortgage Research Center, LLC 21 6.27% $5,344
    GUILD MORTGAGE COMPANY 13 6.11% $13,169
    PREMIER MORTGAGE RESOURCES, L.L.C. 13 6.37% $9,963
    IDAHO CENTRAL 10 6.00% $13,679
    QUICKEN LOANS, LLC 9 5.93% $13,182
    VILLAGE CAPITAL MORTGAGE 7 5.86% $9,239
    CORNERSTONE HOME LENDING, INC. 7 6.09% $8,875
    FREEDOM MORTGAGE CORPORATION 7 5.68% $4,794
    NFM, INC. 7 6.46% $10,249
    PENNYMAC LOAN SERVICES, LLC 7 5.66% $12,249
    MOVEMENT MORTGAGE, LLC 6 6.40% $12,107
    The Federal Savings Bank 4 6.41% $17,664
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.00% $6,280
    NEWREZ LLC 3 5.61% $13,634
    First Federal Savings Bank of Twin Falls 3 5.63% $14,536
    NAVY FEDERAL CREDIT UNION 2 5.69% $5,046
    AmeriHome Mortgage Company, LLC 2 6.06% $5,849
    CHURCHILL MORTGAGE CORPORATION 2 6.75% $10,997
    BROKER SOLUTIONS, INC. 2 7.19% $13,103
    MOUNTAIN AMERICA 2 5.75% $7,474
    NEW DAY FINANCIAL, LLC 2 7.24% $19,622
    USAA Federal Savings Bank 2 6.25% $8,367
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.50% $6,991
    AXIA FINANCIAL, LLC 2 6.25% $8,136
    Magnolia Bank 1 5.63% $28,938
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.25% $5,754
    First Federal Bank 1 5.88% $11,044
    Plains Commerce Bank 1 5.50% $15,673
    PLANET HOME LENDING, LLC 1 6.13% $13,978
    CROSSCOUNTRY MORTGAGE, LLC 1 5.25% $5,141
    LOANDEPOT.COM, LLC 1 6.50% $7,945
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.25% $19,016
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.25% $13,567
    Flagstar Bank, FSB 1 4.88% $2,804
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $9,020

    The top Twin Falls VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 21 VA loans originated. Their average total fees are $6,015, which is $671 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Twin Falls VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,344), UNITED WHOLESALE MORTGAGE, LLC ($6,015), PREMIER MORTGAGE RESOURCES, L.L.C. ($9,963), GUILD MORTGAGE COMPANY ($13,169) and IDAHO CENTRAL ($13,679).

    The lowest rate Twin Falls VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.88%), IDAHO CENTRAL (6.00%), GUILD MORTGAGE COMPANY (6.11%), Mortgage Research Center, LLC (6.27%) and PREMIER MORTGAGE RESOURCES, L.L.C. (6.37%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Twin Falls (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 $239,900 (14.3%) $296,653 (11.5%) 0.00 344
    2018-02-01 $239,900 (7.4%) $303,662 (11.4%) 0.00 307
    2018-03-01 $249,450 (10.6%) $309,121 (12.8%) 0.00 300
    2018-04-01 $244,968 (2.1%) $303,741 (6.2%) 0.00 315
    2018-05-01 $254,946 (1.3%) $318,482 (6.5%) 0.00 320
    2018-06-01 $249,000 (-0.4%) $314,078 (5.8%) 0.00 375
    2018-07-01 $244,400 (-2.0%) $305,534 (1.8%) 0.00 400
    2018-08-01 $240,325 (-3.6%) $298,885 (-0.5%) 0.00 387
    2018-09-01 $247,945 (-0.4%) $304,169 (2.8%) 0.00 389
    2018-10-01 $247,718 (1.6%) $305,870 (4.7%) 0.00 384
    2018-11-01 $252,425 (5.2%) $308,940 (4.9%) 0.00 362
    2018-12-01 $260,995 (8.8%) $313,554 (7.1%) 0.00 334
    2019-01-01 $252,475 (5.2%) $300,334 (1.2%) 0.00 313
    2019-02-01 $248,600 (3.6%) $304,094 (0.1%) 0.00 304
    2019-03-01 $258,193 (3.5%) $313,982 (1.6%) 0.00 314
    2019-04-01 $261,918 (6.9%) $322,751 (6.3%) 0.00 326
    2019-05-01 $274,750 (7.8%) $331,645 (4.1%) 0.00 342
    2019-06-01 $274,000 (10.0%) $334,647 (6.6%) 0.00 370
    2019-07-01 $264,450 (8.2%) $310,324 (1.6%) 0.00 405
    2019-08-01 $255,291 (6.2%) $308,359 (3.2%) 0.00 409
    2019-09-01 $255,127 (2.9%) $319,008 (4.9%) 0.00 402
    2019-10-01 $255,018 (3.0%) $327,928 (7.2%) 0.00 393
    2019-11-01 $258,900 (2.6%) $331,637 (7.4%) 0.00 373
    2019-12-01 $265,000 (1.5%) $339,923 (8.4%) 0.00 324
    2020-01-01 $262,475 (4.0%) $326,613 (8.8%) 0.00 303
    2020-02-01 $267,201 (7.5%) $332,440 (9.3%) 0.00 285
    2020-03-01 $281,000 (8.8%) $340,044 (8.3%) 0.00 263
    2020-04-01 $278,948 (6.5%) $336,047 (4.1%) 0.00 298
    2020-05-01 $295,000 (7.4%) $361,934 (9.1%) 0.00 269
    2020-06-01 $299,975 (9.5%) $386,243 (15.4%) 0.00 255
    2020-07-01 $301,995 (14.2%) $392,290 (26.4%) 0.00 227
    2020-08-01 $310,000 (21.4%) $400,155 (29.8%) 0.00 197
    2020-09-01 $305,365 (19.7%) $391,224 (22.6%) 0.00 172
    2020-10-01 $300,000 (17.6%) $394,030 (20.2%) 0.00 154
    2020-11-01 $334,475 (29.2%) $411,426 (24.1%) 0.00 146
    2020-12-01 $352,450 (33.0%) $425,984 (25.3%) 0.00 125
    2021-01-01 $358,400 (36.6%) $461,174 (41.2%) 0.00 105
    2021-02-01 $360,460 (34.9%) $471,300 (41.8%) 0.00 80
    2021-03-01 $372,350 (32.5%) $467,486 (37.5%) 0.00 73
    2021-04-01 $369,950 (32.6%) $476,979 (41.9%) 0.00 82
    2021-05-01 $349,950 (18.6%) $458,197 (26.6%) 0.00 99
    2021-06-01 $354,950 (18.3%) $456,821 (18.3%) 0.00 130
    2021-07-01 $350,000 (15.9%) $446,645 (13.9%) 0.00 176
    2021-08-01 $382,000 (23.2%) $482,714 (20.6%) 0.00 224
    2021-09-01 $376,125 (23.2%) $480,178 (22.7%) 0.00 208
    2021-10-01 $380,950 (27.0%) $513,570 (30.3%) 0.00 178
    2021-11-01 $406,200 (21.4%) $527,682 (28.3%) 0.00 139
    2021-12-01 $407,450 (15.6%) $536,532 (26.0%) 0.00 128
    2022-01-01 $434,800 (21.3%) $561,303 (21.7%) 0.00 120
    2022-02-01 $475,735 (32.0%) $572,139 (21.4%) 0.00 128
    2022-03-01 $469,860 (26.2%) $548,868 (17.4%) 0.00 152
    2022-04-01 $460,000 (24.3%) $518,775 (8.8%) 0.00 174
    2022-05-01 $459,900 (31.4%) $540,791 (18.0%) 0.00 225
    2022-06-01 $467,450 (31.7%) $534,709 (17.1%) 0.00 282
    2022-07-01 $455,500 (30.1%) $532,907 (19.3%) 0.00 384
    2022-08-01 $449,750 (17.7%) $530,692 (9.9%) 0.00 425
    2022-09-01 $436,750 (16.1%) $520,075 (8.3%) 0.00 449
    2022-10-01 $430,000 (12.9%) $513,969 (0.1%) 0.00 447
    2022-11-01 $429,225 (5.7%) $500,116 (-5.2%) 0.00 453
    2022-12-01 $415,000 (1.9%) $485,675 (-9.5%) 0.00 421
    2023-01-01 $417,463 (-4.0%) $485,253 (-13.6%) 0.00 388
    2023-02-01 $421,500 (-11.4%) $495,561 (-13.4%) 0.00 356
    2023-03-01 $432,498 (-8.0%) $514,653 (-6.2%) 0.00 330
    2023-04-01 $440,995 (-4.1%) $521,741 (0.6%) 0.00 330
    2023-05-01 $441,725 (-4.0%) $523,968 (-3.1%) 0.00 341
    2023-06-01 $449,500 (-3.8%) $526,022 (-1.6%) 0.00 356
    2023-07-01 $449,900 (-1.2%) $525,180 (-1.5%) 0.00 364
    2023-08-01 $442,950 (-1.5%) $535,828 (1.0%) 0.00 370
    2023-09-01 $436,000 (-0.2%) $526,672 (1.3%) 0.00 394
    2023-10-01 $416,000 (-3.3%) $506,738 (-1.4%) 0.00 401
    2023-11-01 $409,550 (-4.6%) $498,154 (-0.4%) 0.00 402
    2023-12-01 $409,900 (-1.2%) $501,692 (3.3%) 0.00 382
    2024-01-01 $402,450 (-3.6%) $504,676 (4.0%) 0.00 334
    2024-02-01 $410,000 (-2.7%) $506,656 (2.2%) 0.00 335
    2024-03-01 $409,450 (-5.3%) $502,480 (-2.4%) 0.00 329
    2024-04-01 $416,635 (-5.5%) $516,795 (-1.0%) 0.00 343
    2024-05-01 $419,900 (-4.9%) $527,805 (0.7%) 0.00 363
    2024-06-01 $425,000 (-5.5%) $529,264 (0.6%) 0.00 402
    2024-07-01 $449,950 (0.0%) $547,280 (4.2%) 0.00 431
    2024-08-01 $442,500 (-0.1%) $535,651 (0.0%) 0.00 452
    2024-09-01 $439,900 (0.9%) $553,808 (5.2%) 0.00 476
    2024-10-01 $439,950 (5.8%) $555,146 (9.6%) 0.00 453
    2024-11-01 $430,000 (5.0%) $552,959 (11.0%) 0.00 428
    2024-12-01 $420,000 (2.5%) $550,956 (9.8%) 0.00 396
    2025-01-01 $422,400 (5.0%) $552,166 (9.4%) 0.00 374
    2025-02-01 $424,975 (3.7%) $548,006 (8.2%) 0.00 370
    2025-03-01 $434,900 (6.2%) $546,006 (8.7%) 0.00 400
    Twin Falls's median listing price for 2025-03-01 was $434,900, a difference of $25,450 (6.2%) versus the prior year and $9,925 versus the prior month.

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

    Twin Falls's average listing price for 2025-03-01 was $546,006, a difference of $43,526 (8.7%) versus the prior year and $-2,000 versus the prior month.

    For the 2025-03-01 period, Twin Falls had 400 MLS listings, a difference of 30 listings (8%) versus the prior month and 71 listings (22%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Twin Falls (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,072 sqft
    2018-02-01 0 days 2,061 sqft
    2018-03-01 0 days 2,076 sqft
    2018-04-01 0 days 2,072 sqft
    2018-05-01 0 days 2,194 sqft
    2018-06-01 0 days 2,076 sqft
    2018-07-01 0 days 2,029 sqft
    2018-08-01 0 days 1,933 sqft
    2018-09-01 0 days 1,932 sqft
    2018-10-01 0 days 1,927 sqft
    2018-11-01 0 days 1,927 sqft
    2018-12-01 0 days 2,050 sqft
    2019-01-01 0 days 1,993 sqft
    2019-02-01 0 days 1,950 sqft
    2019-03-01 0 days 1,976 sqft
    2019-04-01 0 days 1,976 sqft
    2019-05-01 0 days 2,041 sqft
    2019-06-01 0 days 2,053 sqft
    2019-07-01 0 days 1,990 sqft
    2019-08-01 0 days 1,950 sqft
    2019-09-01 0 days 1,961 sqft
    2019-10-01 0 days 1,985 sqft
    2019-11-01 0 days 2,027 sqft
    2019-12-01 0 days 2,009 sqft
    2020-01-01 0 days 2,021 sqft
    2020-02-01 0 days 2,036 sqft
    2020-03-01 0 days 2,047 sqft
    2020-04-01 0 days 2,053 sqft
    2020-05-01 0 days 2,112 sqft
    2020-06-01 0 days 2,200 sqft
    2020-07-01 0 days 2,215 sqft
    2020-08-01 0 days 2,197 sqft
    2020-09-01 0 days 2,094 sqft
    2020-10-01 0 days 2,072 sqft
    2020-11-01 0 days 2,172 sqft
    2020-12-01 0 days 2,105 sqft
    2021-01-01 0 days 2,129 sqft
    2021-02-01 0 days 2,151 sqft
    2021-03-01 0 days 2,247 sqft
    2021-04-01 0 days 2,311 sqft
    2021-05-01 0 days 2,045 sqft
    2021-06-01 0 days 1,907 sqft
    2021-07-01 0 days 1,910 sqft
    2021-08-01 0 days 1,950 sqft
    2021-09-01 0 days 1,938 sqft
    2021-10-01 0 days 2,012 sqft
    2021-11-01 0 days 2,020 sqft
    2021-12-01 0 days 1,986 sqft
    2022-01-01 0 days 2,084 sqft
    2022-02-01 0 days 2,014 sqft
    2022-03-01 0 days 1,936 sqft
    2022-04-01 0 days 1,911 sqft
    2022-05-01 0 days 1,910 sqft
    2022-06-01 0 days 1,926 sqft
    2022-07-01 0 days 1,904 sqft
    2022-08-01 0 days 1,947 sqft
    2022-09-01 0 days 1,923 sqft
    2022-10-01 0 days 1,928 sqft
    2022-11-01 0 days 1,910 sqft
    2022-12-01 0 days 1,898 sqft
    2023-01-01 0 days 1,910 sqft
    2023-02-01 0 days 1,912 sqft
    2023-03-01 0 days 2,002 sqft
    2023-04-01 0 days 2,029 sqft
    2023-05-01 0 days 2,008 sqft
    2023-06-01 0 days 2,058 sqft
    2023-07-01 0 days 2,100 sqft
    2023-08-01 0 days 2,068 sqft
    2023-09-01 0 days 2,034 sqft
    2023-10-01 0 days 1,931 sqft
    2023-11-01 0 days 1,922 sqft
    2023-12-01 0 days 1,906 sqft
    2024-01-01 0 days 1,913 sqft
    2024-02-01 0 days 1,908 sqft
    2024-03-01 0 days 1,874 sqft
    2024-04-01 0 days 1,896 sqft
    2024-05-01 0 days 1,925 sqft
    2024-06-01 0 days 1,953 sqft
    2024-07-01 0 days 2,022 sqft
    2024-08-01 0 days 2,044 sqft
    2024-09-01 0 days 1,984 sqft
    2024-10-01 0 days 1,999 sqft
    2024-11-01 0 days 1,980 sqft
    2024-12-01 0 days 1,923 sqft
    2025-01-01 0 days 1,934 sqft
    2025-02-01 0 days 1,914 sqft
    2025-03-01 0 days 1,888 sqft
    Twin Falls's median listing age (time on market) for 2025-03-01 was 0 days.

    Twin Falls's median square footage for active listings during the 2025-03-01 period was 1,888 sqft. One year prior, the average listing was 1,874 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.