New Hampshire USDA Loan Rates, Closing Costs & Stats

New Hampshire

USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

New Hampshire USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in New Hampshire averaged -0.2% for the week of 2023-11-24, compared to the national average (all USDA variants) of 0% for the same period.

New Hampshire's average USDA mortgage closing costs are $6,496.

The average rate for the prior week (2023-11-17) was 6.69% and one month ago for the week of 2023-10-20, the average rate was 7.31%.

The average rate one year ago was 6.25%.

For refis of the same type during the week of 2023-11-24, the average rate was -1.69%.

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

New Hampshire USDA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the New Hampshire level.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
CMG MORTGAGE, INC. 7 4.44% $6,158
GUILD MORTGAGE COMPANY 6 5.29% $7,416
UNITED WHOLESALE MORTGAGE, LLC 5 5.36% $6,248
HOME POINT FINANCIAL CORPORATION 4 3.59% $5,885
Bank of New Hampshire 4 3.72% $4,904
HARBORONE MORTGAGE, LLC 3 5.38% $6,241
Bank of England 3 5.50% $7,981
PENNYMAC LOAN SERVICES, LLC 3 3.04% $5,091
Service Federal Credit Union 3 5.21% $5,167
Mortgage Network, Inc. 3 5.71% $10,719
American Mortgage & Equity Consultants, Inc. 2 5.75% $11,234
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.00% $6,083
GUARANTEED RATE AFFINITY, LLC 1 5.38% $4,768
Advisors Mortgage Group, L.L.C. 1 3.25% $5,448
MORTGAGE EQUITY PARTNERS LLC 1 6.75% $8,161
First Savings Bank 1 3.63% $5,468
MOVEMENT MORTGAGE, LLC 1 5.25% $7,486
NFM, INC. 1 4.50% $5,796
OCEANSIDE MORTGAGE COMPANY 1 3.88% $1,927
CROSSCOUNTRY MORTGAGE, LLC 1 5.50% $7,393
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 4.75% $9,842
Carrington Mortgage Services, LLC 1 2.63% $5,165
Sierra Pacific Mortgage Company, Inc. 1 5.13% $8,723
TOTAL MORTGAGE SERVICES, LLC 1 4.25% $7,279
Union Bank 1 3.13% $4,373
CHURCHILL MORTGAGE CORPORATION 1 3.25% $5,222

The top New Hampshire USDA lender as defined by loan originations is CMG MORTGAGE, INC., with 7 USDA loans originated. Their average total fees are $6,158, which is $1,258 lower than the next largest lender, GUILD MORTGAGE COMPANY.

The lowest fee New Hampshire USDA lenders (with over 10 loans originated) are .

The lowest rate New Hampshire USDA lenders (with over 10 loans originated) are .