Idaho VA Loan Rates, Closing Costs & Stats

Idaho

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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.

    Idaho VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Idaho averaged 6.27% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Idaho's average VA mortgage closing costs are $7,737.

    The average rate for the prior week (2025-03-28) was 6.29% and one month ago for the week of 2025-02-28, the average rate was 6.46%.

    The average rate one year ago was 6.47%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.36%.

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

    Idaho 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 Idaho level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 485 5.86% $8,094
    Mortgage Research Center, LLC 374 6.20% $7,543
    QUICKEN LOANS, LLC 258 5.97% $11,965
    FREEDOM MORTGAGE CORPORATION 139 6.09% $11,385
    PREMIER MORTGAGE RESOURCES, L.L.C. 125 5.85% $13,302
    GUILD MORTGAGE COMPANY 102 6.06% $12,266
    IDAHO CENTRAL 100 5.97% $10,424
    LOANDEPOT.COM, LLC 83 5.98% $14,763
    PENNYMAC LOAN SERVICES, LLC 80 5.71% $10,103
    MOVEMENT MORTGAGE, LLC 79 6.32% $12,720
    AMERICAN PACIFIC MORTGAGE CORPORATION 78 6.14% $13,308
    NAVY FEDERAL CREDIT UNION 69 5.77% $5,503
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 60 6.34% $9,781
    S1L, Inc. 55 6.05% $13,987
    CROSSCOUNTRY MORTGAGE, LLC 55 6.00% $10,310
    GUARANTEED RATE, INC. 48 6.03% $7,230
    USAA Federal Savings Bank 48 6.20% $9,867
    VILLAGE CAPITAL MORTGAGE 48 5.68% $8,784
    CMG MORTGAGE, INC. 45 6.05% $13,576
    Glacier Bank 45 5.91% $14,628
    Eagle Bank and Trust Company 44 5.83% $7,886
    TBI MORTGAGE COMPANY 42 5.75% $5,212
    Sunflower Bank 37 6.04% $13,471
    PLANET HOME LENDING, LLC 37 5.74% $7,144
    NEWREZ LLC 36 5.88% $9,739
    FIRST COLONY MORTGAGE CORPORATION 36 6.06% $8,065
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 35 6.25% $10,219
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 35 6.15% $15,364
    NEW DAY FINANCIAL, LLC 34 7.35% $15,364
    The Federal Savings Bank 33 6.19% $19,007
    Willamette Valley Bank 31 6.17% $10,723
    LAKEVIEW LOAN SERVICING, LLC 30 5.89% $6,230
    Century Mortgage Company DBA Century Lending Company 29 5.85% $7,406
    CANOPY MORTGAGE, LLC 29 6.16% $17,986
    MUTUAL OF OMAHA MORTGAGE, INC. 23 6.02% $11,614
    Waterstone Mortgage Corporation 22 6.28% $10,817
    SUMMIT FUNDING, INC. 21 6.24% $10,780
    NATIONS DIRECT MORTGAGE, LLC 21 6.14% $11,695
    PRIMELENDING, A PLAINSCAPITAL COMPANY 21 6.48% $12,724
    EAGLE HOME MORTGAGE, LLC 20 5.38% $5,546
    CLM MORTGAGE, INC 20 5.50% $4,557
    HOMEAMERICAN MORTGAGE CORPORATION 18 4.86% $3,869
    The Loan Store, Inc. 18 5.81% $10,718
    BROKER SOLUTIONS, INC. 18 6.34% $12,133
    CLEARPATH LENDING 17 5.60% $12,286
    CHURCHILL MORTGAGE CORPORATION 16 6.32% $13,542
    Plains Commerce Bank 16 5.80% $12,978
    CORNERSTONE HOME LENDING, INC. 16 6.02% $10,727
    MY MOVE MORTGAGE, LLC 15 5.79% $12,996
    Magnolia Bank 15 5.71% $18,162
    Mr. Cooper ( Nationstar Mortgage ) 15 6.27% $11,605
    MOUNTAIN AMERICA 15 5.59% $10,279
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 14 6.30% $11,621
    BAY EQUITY LLC 13 5.93% $8,549
    Barrington Bank & Trust Company, N.A. 13 6.27% $7,981
    NBKC BANK 13 5.63% $7,362
    NFM, INC. 12 6.36% $9,437
    Paramount Residential Mortgage Group, Inc. 12 6.38% $15,970
    ENVOY MORTGAGE, LTD 12 6.21% $12,641
    U.S. Bank 12 5.75% $11,421
    JMJ FINANCIAL GROUP 11 5.81% $15,925
    SUN WEST MORTGAGE COMPANY, INC. 11 5.85% $9,659
    BELEM SERVICING LLC 10 6.01% $10,235
    CASTLE & COOKE MORTGAGE, LLC 9 6.35% $9,838
    AXIA FINANCIAL, LLC 8 6.23% $7,403
    T2 FINANCIAL LLC 8 6.56% $9,785
    Carrington Mortgage Services, LLC 8 6.20% $14,321
    Bank of England 7 6.04% $11,986
    Sierra Pacific Mortgage Company, Inc. 6 6.08% $6,891
    VAN DYK MORTGAGE CORPORATION 6 6.31% $4,554
    First Federal Bank 6 6.04% $5,632
    JPMorgan Chase Bank 6 5.81% $10,263
    Equity Prime Mortgage LLC 6 6.75% $14,308
    First Federal Savings Bank of Twin Falls 6 5.73% $16,819
    D. L. Evans Bank 6 5.69% $10,024
    MORTGAGE SOLUTIONS OF COLORADO, LLC 6 6.83% $19,174
    UNION HOME MORTGAGE CORP. 5 6.20% $14,118
    PREMIA MORTGAGE, LLC 5 5.78% $10,746
    KBHS HOME LOANS, LLC 5 5.33% $5,209
    AMERISAVE MORTGAGE CORPORATION 5 6.23% $20,402
    Umpqua Bank 5 6.23% $10,493
    PLAZA HOME MORTGAGE, INC. 5 6.00% $9,981
    American Mortgage & Equity Consultants, Inc. 5 6.55% $7,987
    PENTAGON FEDERAL CREDIT UNION 4 5.88% $7,218
    Texana Bank 4 5.53% $16,981
    LOANPAL, LLC 4 5.50% $10,412
    AmeriHome Mortgage Company, LLC 4 6.43% $4,461
    Boeing Employees Credit Union 4 5.91% $1,723
    JMAC LENDING, INC. 4 5.84% $11,234
    LADERA LENDING, INC. 3 6.54% $14,316
    RESIDENTIAL MORTGAGE, LLC 3 6.33% $5,782
    VERITAS FUNDING, LLC 3 6.08% $16,766
    MORTGAGEONE, INC. 3 6.88% $5,709
    Gateway First Bank 3 6.42% $11,005
    CALCON MUTUAL MORTGAGE LLC 3 6.38% $29,783
    CARDINAL FINANCIAL 3 6.67% $18,917
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.25% $13,542
    HOMESIDE FINANCIAL, LLC 3 6.67% $20,539
    ROGUE 3 6.75% $8,260
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 6.33% $8,177
    Armed Forces Bank 3 5.75% $3,182
    FIRST COMMUNITY MORTGAGE, INC. 2 6.50% $14,894
    Flagstar Bank, FSB 2 5.50% $7,009
    Franklin Loan Corporation 2 5.75% $11,673
    Encompass Lending Group, LP 2 6.25% $11,642
    HomeStreet Bank 2 6.38% $4,009
    INTERCAP LENDING INC. 2 5.63% $10,400
    Lakeview Community Capital, LLC 2 5.12% $6,025
    LAND HOME FINANCIAL SERVICES, INC. 2 6.56% $15,223
    MLD MORTGAGE INC. 2 7.06% $7,449
    MORTGAGE ACCESS CORP. 2 5.75% $9,818
    MORTGAGE EXPRESS, LLC 2 5.63% $16,375
    Credence Funding Corporation 2 5.75% $6,595
    Nations Lending Corporation 2 6.50% $30,786
    Zions Bank 2 5.81% $9,333
    PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.38% $16,121
    PHH Mortgage Corporation 2 5.31% $6,251
    Banner Bank 2 6.13% $10,281
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.50% $12,614
    SECURITYNATIONAL MORTGAGE COMPANY 2 6.00% $9,417
    Summit Mortgage Corporation 2 5.75% $17,005
    AMERICAN FINANCING CORPORATION 2 6.50% $12,973
    AMERICAN FINANCIAL NETWORK, INC. 2 6.50% $16,299
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 6.75% $3,787
    Washington Trust Bank 2 6.50% $12,016
    Alaska USA Federal Credit Union 2 6.25% $4,683
    RANLIFE, INC. 1 7.97% $3,389
    M&T Bank 1 6.25% $13,652
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.75% $5,933
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.63% $7,701
    Commerce Home Mortgage, Inc. 1 5.50% $6,031
    SAMMAMISH MORTGAGE COMPANY 1 6.13% $2,374
    Victorian Finance, LLC 1 6.50% $12,102
    Servion, Inc. 1 6.25% $3,885
    Shea Mortgage Inc. 1 5.99% $0
    Cornerstone First Mortgage, Inc 1 7.13% $24,688
    SIRVA MORTGAGE, INC. 1 6.63% $891
    Strong Home Mortgage, LLC 1 5.25% $17,313
    MORIA DEVELOPMENT, INC. 1 6.25% $7,863
    ALLIANT CREDIT UNION 1 5.50% $8,513
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.13% $20,630
    DAS Acquisition Company, LLC 1 6.13% $5,321
    Leader Bank 1 6.25% $4,517
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.63% $5,455
    KeyBank 1 5.75% $4,080
    The Central Trust Bank 1 5.50% $9,362
    Wallick & Volk, Inc. 1 6.38% $150
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.13% $10,330
    Truist 1 6.20% $5,394
    DIRECT MORTGAGE, CORP. 1 5.75% $16,413
    HORIZON 1 6.13% $5,529
    ADVANTAGE PLUS 1 7.00% $8,387
    AMERICA FIRST 1 6.75% $8,244
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.75% $2,279
    Utah Mortgage Loan Corporation 1 6.75% $16,525
    Farmers Bank & Trust 1 6.25% $68,352
    Home Mortgage Alliance Corp 1 6.63% $22,386
    PNC Bank 1 6.88% $12,506
    POLARIS HOME FUNDING CORP. 1 6.75% $22,261
    1st Security Bank of Washington 1 6.25% $7,033
    NUMERICA CREDIT UNION 1 5.50% $80
    EMBRACE HOME LOANS, INC. 1 6.75% $4,822
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.63% $1,132
    Prosperity Home Mortgage, LLC 1 6.25% $3,892
    AMERITRUST MORTGAGE CORPORATION 1 5.49% $8,576

    The top Idaho VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 485 VA loans originated. Their average total fees are $8,094, which is $551 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Idaho VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($3,869), CLM MORTGAGE, INC ($4,557), TBI MORTGAGE COMPANY ($5,212), NAVY FEDERAL CREDIT UNION ($5,503) and EAGLE HOME MORTGAGE, LLC ($5,546).

    The lowest rate Idaho VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (4.86%), EAGLE HOME MORTGAGE, LLC (5.38%), CLM MORTGAGE, INC (5.50%), MOUNTAIN AMERICA (5.59%) and CLEARPATH LENDING (5.60%).

    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.