Concord VA Loan Rates, Closing Costs & Stats

Concord, NH

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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.

    Concord's 39 lenders originated 189 VA loans during 2024. The total origination value was $81,935,000, with an average VA loan value of $433,519.

    Concord VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Concord averaged 7.01% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

    Concord's average VA mortgage closing costs are $6,591.

    The average rate for the prior week (2025-07-04) was 6.72% and one month ago for the week of 2025-06-06, the average rate was 6.89%.

    The average rate one year ago was 6.81%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.67%.

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

    Concord 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 Concord level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 30 5.91% $7,261
    Mortgage Research Center, LLC 28 6.10% $8,291
    QUICKEN LOANS, LLC 11 5.69% $14,125
    CMG MORTGAGE, INC. 11 6.33% $9,194
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 6.54% $3,444
    CROSSCOUNTRY MORTGAGE, LLC 7 6.21% $8,378
    FREEDOM MORTGAGE CORPORATION 7 6.38% $8,919
    NAVY FEDERAL CREDIT UNION 7 6.05% $2,554
    PRIMELENDING, A PLAINSCAPITAL COMPANY 6 6.73% $8,449
    EMM LOANS LLC 6 6.63% $10,971
    USAA Federal Savings Bank 5 6.23% $9,449
    PENNYMAC LOAN SERVICES, LLC 5 5.73% $7,929
    Keystone Funding, Inc. 5 6.35% $4,950
    GUILD MORTGAGE COMPANY 4 6.72% $10,206
    NEW DAY FINANCIAL, LLC 4 7.74% $14,948
    BROKER SOLUTIONS, INC. 3 6.33% $11,933
    HARBORONE MORTGAGE, LLC 3 6.25% $4,722
    EVERETT FINANCIAL, INC. 3 6.83% $9,565
    VILLAGE CAPITAL MORTGAGE 2 6.37% $13,525
    LAKEVIEW LOAN SERVICING, LLC 2 5.75% $5,155
    LOANDEPOT.COM, LLC 2 5.75% $29,843
    NEWREZ LLC 2 6.50% $3,319
    Carrington Mortgage Services, LLC 2 5.44% $29,972
    NORTHPOINT MORTGAGE, INC. 2 6.44% $6,937
    Waterstone Mortgage Corporation 1 6.25% $7,523
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.13% $17,630
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $16,270
    Barrington Bank & Trust Company, N.A. 1 6.25% $3,360
    BAY EQUITY LLC 1 6.25% $5,527
    Equity Prime Mortgage LLC 1 5.63% $4,749
    First Federal Bank 1 5.00% $3,313
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.75% $11,765
    Magnolia Bank 1 5.50% $34,986
    MOVEMENT MORTGAGE, LLC 1 6.50% $1,382
    Mr. Cooper ( Nationstar Mortgage ) 1 5.75% $8,408
    NBKC BANK 1 5.63% $16,627
    Plains Commerce Bank 1 6.63% $13,438
    The Federal Savings Bank 1 6.25% $5,317
    AMERICAN FINANCING CORPORATION 1 5.75% $20,153

    The top Concord VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 30 VA loans originated. Their average total fees are $7,261, which is $1,030 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Concord VA lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($3,444), UNITED WHOLESALE MORTGAGE, LLC ($7,261), Mortgage Research Center, LLC ($8,291), CMG MORTGAGE, INC. ($9,194) and QUICKEN LOANS, LLC ($14,125).

    The lowest rate Concord VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (5.69%), UNITED WHOLESALE MORTGAGE, LLC (5.91%), Mortgage Research Center, LLC (6.10%), CMG MORTGAGE, INC. (6.33%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.54%).

    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.