Keene VA Loan Rates, Closing Costs & Stats

Keene, 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.

    Keene's 30 lenders originated 76 VA loans during 2023. The total origination value was $25,920,000, with an average VA loan value of $341,053.

    Keene VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Keene averaged 6.52% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

    Keene's average VA mortgage closing costs are $5,733.

    The average rate for the prior week (2024-12-06) was 6.26% and one month ago for the week of 2024-11-08, the average rate was 6.75%.

    The average rate one year ago was 6.9%.

    For refis of the same type during the week of 2024-12-13, the average rate was 5.98%.

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

    Keene 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 Keene level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 17 6.59% $8,161
    CMG MORTGAGE, INC. 9 6.68% $13,086
    NAVY FEDERAL CREDIT UNION 5 5.85% $5,471
    GUILD MORTGAGE COMPANY 3 6.46% $5,557
    QUICKEN LOANS, LLC 3 5.37% $13,071
    FREEDOM MORTGAGE CORPORATION 2 6.69% $12,771
    NBKC BANK 2 5.63% $425
    PENNYMAC LOAN SERVICES, LLC 2 5.44% $10,656
    Citizens Bank 2 5.88% $5,606
    TOTAL MORTGAGE SERVICES, LLC 2 6.69% $17,212
    HARBORONE MORTGAGE, LLC 2 6.56% $2,664
    USAA Federal Savings Bank 2 6.81% $11,754
    PENTAGON FEDERAL CREDIT UNION 2 5.69% $7,255
    Ross Mortgage Company, Inc. 1 7.25% $10,501
    The Federal Savings Bank 1 5.75% $16,722
    UNITED WHOLESALE MORTGAGE, LLC 1 6.12% $637
    AMERICAN FINANCING CORPORATION 1 6.13% $14,462
    Wells Fargo Bank 1 6.13% $7,118
    BAY EQUITY LLC 1 7.50% $7,911
    BNC National Bank 1 5.25% $2,731
    CARDINAL FINANCIAL 1 5.88% $8,898
    EMM LOANS LLC 1 5.88% $3,513
    GUARANTEED RATE, INC. 1 7.25% $2,257
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $7,046
    Leader Bank 1 6.99% $17,987
    LOANDEPOT.COM, LLC 1 5.13% $9,909
    NEW DAY FINANCIAL, LLC 1 6.99% $18,442
    NEWREZ LLC 1 6.25% $8,348
    North American Savings Bank, F.S.B. 1 6.38% $9,421
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $14,682

    The top Keene VA lender as defined by loan originations is Mortgage Research Center, LLC, with 17 VA loans originated. Their average total fees are $8,161, which is $4,926 lower than the next largest lender, CMG MORTGAGE, INC..

    The lowest fee Keene VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($8,161), .

    The lowest rate Keene VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.59%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Keene (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 $239,675 (6.8%) $304,574 (1.6%) 0.00 286
    2018-02-01 $242,950 (7.3%) $317,503 (3.2%) 0.00 263
    2018-03-01 $249,000 (10.8%) $327,564 (4.1%) 0.00 276
    2018-04-01 $248,181 (3.7%) $320,513 (1.4%) 0.00 296
    2018-05-01 $243,750 (-1.9%) $323,228 (5.2%) 0.00 329
    2018-06-01 $249,900 (1.4%) $323,364 (6.3%) 0.00 385
    2018-07-01 $249,900 (2.0%) $320,331 (6.6%) 0.00 403
    2018-08-01 $249,900 (4.4%) $324,342 (9.2%) 0.00 424
    2018-09-01 $259,000 (7.2%) $323,360 (5.4%) 0.00 433
    2018-10-01 $257,400 (8.4%) $320,322 (5.7%) 0.00 429
    2018-11-01 $249,948 (8.9%) $319,472 (8.0%) 0.00 390
    2018-12-01 $249,000 (8.3%) $313,163 (5.2%) 0.00 338
    2019-01-01 $249,950 (4.3%) $322,488 (5.9%) 0.00 302
    2019-02-01 $249,950 (2.9%) $319,901 (0.8%) 0.00 279
    2019-03-01 $252,857 (1.6%) $317,756 (-3.0%) 0.00 264
    2019-04-01 $255,857 (3.1%) $323,033 (0.8%) 0.00 263
    2019-05-01 $274,950 (12.8%) $335,610 (3.8%) 0.00 279
    2019-06-01 $269,450 (7.8%) $335,797 (3.8%) 0.00 307
    2019-07-01 $271,853 (8.8%) $342,589 (7.0%) 0.00 341
    2019-08-01 $267,895 (7.2%) $333,203 (2.7%) 0.00 345
    2019-09-01 $266,239 (2.8%) $334,065 (3.3%) 0.00 344
    2019-10-01 $265,909 (3.3%) $335,994 (4.9%) 0.00 338
    2019-11-01 $269,000 (7.6%) $338,057 (5.8%) 0.00 309
    2019-12-01 $271,475 (9.0%) $339,923 (8.6%) 0.00 231
    2020-01-01 $274,850 (10.0%) $336,025 (4.2%) 0.00 192
    2020-02-01 $279,250 (11.7%) $343,075 (7.2%) 0.00 177
    2020-03-01 $297,225 (17.6%) $363,521 (14.4%) 0.00 176
    2020-04-01 $299,900 (17.2%) $377,836 (17.0%) 0.00 170
    2020-05-01 $289,900 (5.4%) $369,640 (10.1%) 0.00 177
    2020-06-01 $297,875 (10.6%) $374,077 (11.4%) 0.00 157
    2020-07-01 $292,450 (7.6%) $381,956 (11.5%) 0.00 159
    2020-08-01 $285,000 (6.4%) $383,964 (15.2%) 0.00 159
    2020-09-01 $294,900 (10.8%) $380,726 (14.0%) 0.00 156
    2020-10-01 $314,950 (18.4%) $402,301 (19.7%) 0.00 130
    2020-11-01 $302,100 (12.3%) $416,186 (23.1%) 0.00 97
    2020-12-01 $296,125 (9.1%) $401,252 (18.0%) 0.00 91
    2021-01-01 $296,750 (8.0%) $415,717 (23.7%) 0.00 59
    2021-02-01 $286,125 (2.5%) $423,942 (23.6%) 0.00 56
    2021-03-01 $306,968 (3.3%) $437,030 (20.2%) 0.00 57
    2021-04-01 $298,000 (-0.6%) $428,869 (13.5%) 0.00 81
    2021-05-01 $299,450 (3.3%) $391,402 (5.9%) 0.00 97
    2021-06-01 $316,225 (6.2%) $379,283 (1.4%) 0.00 122
    2021-07-01 $310,000 (6.0%) $409,311 (7.2%) 0.00 140
    2021-08-01 $309,675 (8.7%) $447,812 (16.6%) 0.00 152
    2021-09-01 $317,500 (7.7%) $496,727 (30.5%) 0.00 149
    2021-10-01 $327,000 (3.8%) $503,693 (25.2%) 0.00 110
    2021-11-01 $299,900 (-0.7%) $491,116 (18.0%) 0.00 84
    2021-12-01 $299,950 (1.3%) $482,112 (20.2%) 0.00 66
    2022-01-01 $299,000 (0.8%) $526,620 (26.7%) 0.00 39
    2022-02-01 $284,450 (-0.6%) $495,401 (16.9%) 0.00 52
    2022-03-01 $326,950 (6.5%) $532,085 (21.8%) 0.00 45
    2022-04-01 $344,450 (15.6%) $474,042 (10.5%) 0.00 56
    2022-05-01 $353,250 (18.0%) $478,061 (22.1%) 0.00 83
    2022-06-01 $349,900 (10.7%) $465,685 (22.8%) 0.00 102
    2022-07-01 $365,000 (17.7%) $468,665 (14.5%) 0.00 117
    2022-08-01 $364,950 (17.9%) $465,862 (4.0%) 0.00 131
    2022-09-01 $373,500 (17.6%) $485,322 (-2.3%) 0.00 122
    2022-10-01 $360,000 (10.1%) $466,574 (-7.4%) 0.00 133
    2022-11-01 $354,975 (18.4%) $481,699 (-1.9%) 0.00 116
    2022-12-01 $389,900 (30.0%) $490,560 (1.8%) 0.00 94
    2023-01-01 $394,250 (31.9%) $503,123 (-4.5%) 0.00 71
    2023-02-01 $394,125 (38.6%) $494,699 (-0.1%) 0.00 65
    2023-03-01 $364,950 (11.6%) $474,659 (-10.8%) 0.00 58
    2023-04-01 $399,900 (16.1%) $511,921 (8.0%) 0.00 69
    2023-05-01 $449,950 (27.4%) $531,921 (11.3%) 0.00 71
    2023-06-01 $434,500 (24.2%) $521,625 (12.0%) 0.00 77
    2023-07-01 $449,000 (23.0%) $554,525 (18.3%) 0.00 93
    2023-08-01 $477,475 (30.8%) $578,589 (24.2%) 0.00 94
    2023-09-01 $455,000 (21.8%) $559,733 (15.3%) 0.00 101
    2023-10-01 $475,000 (31.9%) $563,981 (20.9%) 0.00 106
    2023-11-01 $434,750 (22.5%) $530,213 (10.1%) 0.00 96
    2023-12-01 $417,450 (7.1%) $506,010 (3.2%) 0.00 87
    2024-01-01 $449,475 (14.0%) $542,032 (7.7%) 0.00 83
    2024-02-01 $456,975 (16.0%) $544,299 (10.0%) 0.00 79
    2024-03-01 $445,000 (21.9%) $560,016 (18.0%) 0.00 68
    2024-04-01 $459,450 (14.9%) $541,041 (5.7%) 0.00 71
    2024-05-01 $474,900 (5.6%) $573,480 (7.8%) 0.00 93
    2024-06-01 $489,900 (12.8%) $576,973 (10.6%) 0.00 103
    2024-07-01 $497,225 (10.7%) $585,755 (5.6%) 0.00 118
    2024-08-01 $500,000 (4.7%) $605,858 (4.7%) 0.00 120
    2024-09-01 $469,900 (3.3%) $602,359 (7.6%) 0.00 141
    2024-10-01 $476,000 (0.2%) $585,937 (3.9%) 0.00 141
    2024-11-01 $464,950 (7.0%) $567,616 (7.1%) 0.00 138
    Keene's median listing price for 2024-11-01 was $464,950, a difference of $30,200 (7.0%) versus the prior year and $-11,050 versus the prior month.

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

    Keene's average listing price for 2024-11-01 was $567,616, a difference of $37,403 (7.1%) versus the prior year and $-18,321 versus the prior month.

    For the 2024-11-01 period, Keene had 138 MLS listings, a difference of -3 listings (-2%) versus the prior month and 42 listings (44%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Keene (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,858 sqft
    2018-02-01 0 days 1,901 sqft
    2018-03-01 0 days 1,957 sqft
    2018-04-01 0 days 1,910 sqft
    2018-05-01 0 days 1,877 sqft
    2018-06-01 0 days 1,860 sqft
    2018-07-01 0 days 1,913 sqft
    2018-08-01 0 days 1,900 sqft
    2018-09-01 0 days 1,857 sqft
    2018-10-01 0 days 1,843 sqft
    2018-11-01 0 days 1,870 sqft
    2018-12-01 0 days 1,836 sqft
    2019-01-01 0 days 1,845 sqft
    2019-02-01 0 days 1,863 sqft
    2019-03-01 0 days 1,915 sqft
    2019-04-01 0 days 1,959 sqft
    2019-05-01 0 days 1,977 sqft
    2019-06-01 0 days 1,996 sqft
    2019-07-01 0 days 2,060 sqft
    2019-08-01 0 days 2,003 sqft
    2019-09-01 0 days 1,973 sqft
    2019-10-01 0 days 1,968 sqft
    2019-11-01 0 days 1,930 sqft
    2019-12-01 0 days 1,912 sqft
    2020-01-01 0 days 1,916 sqft
    2020-02-01 0 days 1,963 sqft
    2020-03-01 0 days 2,025 sqft
    2020-04-01 0 days 2,050 sqft
    2020-05-01 0 days 1,949 sqft
    2020-06-01 0 days 2,065 sqft
    2020-07-01 0 days 2,050 sqft
    2020-08-01 0 days 1,988 sqft
    2020-09-01 0 days 1,903 sqft
    2020-10-01 0 days 2,094 sqft
    2020-11-01 0 days 2,172 sqft
    2020-12-01 0 days 1,989 sqft
    2021-01-01 0 days 2,072 sqft
    2021-02-01 0 days 1,943 sqft
    2021-03-01 0 days 2,035 sqft
    2021-04-01 0 days 1,856 sqft
    2021-05-01 0 days 1,623 sqft
    2021-06-01 0 days 1,792 sqft
    2021-07-01 0 days 1,768 sqft
    2021-08-01 0 days 1,843 sqft
    2021-09-01 0 days 1,915 sqft
    2021-10-01 0 days 1,949 sqft
    2021-11-01 0 days 1,858 sqft
    2021-12-01 0 days 1,852 sqft
    2022-01-01 0 days 1,779 sqft
    2022-02-01 0 days 1,754 sqft
    2022-03-01 0 days 1,867 sqft
    2022-04-01 0 days 1,856 sqft
    2022-05-01 0 days 1,850 sqft
    2022-06-01 0 days 1,705 sqft
    2022-07-01 0 days 1,728 sqft
    2022-08-01 0 days 1,769 sqft
    2022-09-01 0 days 1,671 sqft
    2022-10-01 0 days 1,767 sqft
    2022-11-01 0 days 1,858 sqft
    2022-12-01 0 days 1,887 sqft
    2023-01-01 0 days 1,970 sqft
    2023-02-01 0 days 1,877 sqft
    2023-03-01 0 days 1,683 sqft
    2023-04-01 0 days 1,754 sqft
    2023-05-01 0 days 1,846 sqft
    2023-06-01 0 days 1,906 sqft
    2023-07-01 0 days 1,878 sqft
    2023-08-01 0 days 1,980 sqft
    2023-09-01 0 days 2,018 sqft
    2023-10-01 0 days 2,007 sqft
    2023-11-01 0 days 1,872 sqft
    2023-12-01 0 days 1,873 sqft
    2024-01-01 0 days 1,935 sqft
    2024-02-01 0 days 1,903 sqft
    2024-03-01 0 days 1,935 sqft
    2024-04-01 0 days 1,905 sqft
    2024-05-01 0 days 1,887 sqft
    2024-06-01 0 days 1,940 sqft
    2024-07-01 0 days 2,025 sqft
    2024-08-01 0 days 2,001 sqft
    2024-09-01 0 days 1,963 sqft
    2024-10-01 0 days 1,934 sqft
    2024-11-01 0 days 1,930 sqft
    Keene's median listing age (time on market) for 2024-11-01 was 0 days.

    Keene's median square footage for active listings during the 2024-11-01 period was 1,930 sqft. One year prior, the average listing was 1,872 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.