New Hampshire VA Loan Rates, Closing Costs & Stats
New Hampshire
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.
New Hampshire VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in New Hampshire
averaged
6.09%
for the week of 2023-05-26, compared to the national average (all VA variants) of
6.408% for the same period.
New Hampshire's average VA mortgage closing costs are $6,158.
The average rate for the prior week (2023-05-19) was
5.91% and
one month ago for the week of 2023-04-21, the
average rate was 6.03%.
The average rate one year ago was 4.8%.
For refis of the same type during the week of 2023-05-26, the average rate
was 4.9%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
New Hampshire 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 New Hampshire level.
Name |
# of Loans |
2022 Avg. 30yFix Rate |
2022 Avg. Closing Costs |
Mortgage Research Center, LLC
|
331
|
5.13%
|
$8,952
|
QUICKEN LOANS, LLC
|
159
|
4.01%
|
$12,391
|
UNITED WHOLESALE MORTGAGE, LLC
|
137
|
4.35%
|
$9,263
|
NAVY FEDERAL CREDIT UNION
|
102
|
3.96%
|
$7,335
|
CMG MORTGAGE, INC.
|
97
|
4.69%
|
$10,365
|
FREEDOM MORTGAGE CORPORATION
|
73
|
4.17%
|
$15,064
|
PENNYMAC LOAN SERVICES, LLC
|
62
|
3.57%
|
$10,978
|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION
|
60
|
5.19%
|
$10,110
|
LOANDEPOT.COM, LLC
|
60
|
3.92%
|
$12,640
|
GUILD MORTGAGE COMPANY
|
52
|
4.92%
|
$11,161
|
USAA Federal Savings Bank
|
48
|
4.58%
|
$9,444
|
NEW DAY FINANCIAL, LLC
|
47
|
4.74%
|
$11,336
|
CROSSCOUNTRY MORTGAGE, LLC
|
42
|
5.04%
|
$11,918
|
Mr. Cooper ( Nationstar Mortgage )
|
36
|
4.51%
|
$10,890
|
MOVEMENT MORTGAGE, LLC
|
33
|
4.79%
|
$8,992
|
The Federal Savings Bank
|
28
|
4.69%
|
$17,165
|
HARBORONE MORTGAGE, LLC
|
25
|
5.17%
|
$7,212
|
LAKEVIEW LOAN SERVICING, LLC
|
24
|
3.39%
|
$6,235
|
PRIMELENDING, A PLAINSCAPITAL COMPANY
|
24
|
5.05%
|
$9,535
|
GUARANTEED RATE, INC.
|
21
|
4.65%
|
$7,319
|
AMERISAVE MORTGAGE CORPORATION
|
18
|
3.60%
|
$10,171
|
Barrington Bank & Trust Company, N.A.
|
15
|
4.83%
|
$7,924
|
EMM LOANS LLC
|
15
|
5.75%
|
$13,443
|
CALIBER HOME LOANS, INC.
|
15
|
4.80%
|
$7,161
|
ENVOY MORTGAGE, LTD
|
15
|
4.40%
|
$15,013
|
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC
|
14
|
4.79%
|
$11,637
|
PENTAGON FEDERAL CREDIT UNION
|
12
|
4.00%
|
$4,646
|
HOMEBRIDGE FINANCIAL SERVICES, INC.
|
12
|
5.22%
|
$14,033
|
GUARANTEED RATE AFFINITY, LLC
|
12
|
5.05%
|
$7,249
|
American Mortgage & Equity Consultants, Inc.
|
12
|
5.48%
|
$10,029
|
BROKER SOLUTIONS, INC.
|
11
|
4.50%
|
$14,347
|
TOTAL MORTGAGE SERVICES, LLC
|
11
|
5.23%
|
$14,384
|
Magnolia Bank
|
10
|
3.79%
|
$15,906
|
NEWREZ LLC
|
10
|
3.68%
|
$11,184
|
EVERETT FINANCIAL, INC.
|
10
|
5.40%
|
$5,665
|
HOME POINT FINANCIAL CORPORATION
|
10
|
3.43%
|
$10,991
|
Service Federal Credit Union
|
9
|
3.85%
|
$7,564
|
Wells Fargo Bank
|
9
|
3.51%
|
$4,293
|
Mortgage Network, Inc.
|
9
|
5.08%
|
$8,266
|
North American Savings Bank, F.S.B.
|
8
|
3.95%
|
$9,684
|
NEW FED MORTGAGE, CORP.
|
6
|
4.58%
|
$15,050
|
RELIANCE FIRST CAPITAL, LLC
|
6
|
3.85%
|
$15,282
|
NORTHPOINT MORTGAGE, INC.
|
5
|
5.13%
|
$22,087
|
MORTGAGE EQUITY PARTNERS LLC
|
5
|
5.05%
|
$7,309
|
Equity Prime Mortgage LLC
|
5
|
4.83%
|
$14,490
|
PLANET HOME LENDING, LLC
|
5
|
3.98%
|
$10,020
|
First Home Bank
|
5
|
4.35%
|
$15,315
|
Texana Bank
|
5
|
4.00%
|
$9,175
|
BNC National Bank
|
4
|
4.00%
|
$9,251
|
CHURCHILL MORTGAGE CORPORATION
|
4
|
5.12%
|
$11,135
|
Citizens Bank
|
4
|
4.78%
|
$9,967
|
EMBRACE HOME LOANS, INC.
|
4
|
3.34%
|
$10,002
|
HOMESIDE FINANCIAL, LLC
|
4
|
3.69%
|
$13,809
|
MUTUAL OF OMAHA MORTGAGE, INC.
|
4
|
4.47%
|
$13,763
|
Northpointe Bank
|
4
|
3.28%
|
$7,729
|
RADIUS FINANCIAL GROUP INC.
|
4
|
4.22%
|
$9,558
|
SALEM FIVE MORTGAGE COMPANY, LLC
|
3
|
5.00%
|
$10,021
|
Sierra Pacific Mortgage Company, Inc.
|
3
|
4.92%
|
$12,668
|
AMERICAN FINANCING CORPORATION
|
3
|
4.00%
|
$13,777
|
HANSCOM
|
3
|
4.92%
|
$8,226
|
The Central Trust Bank
|
3
|
3.96%
|
$24,488
|
Flagstar Bank, FSB
|
3
|
4.33%
|
$2,150
|
BAY EQUITY LLC
|
3
|
4.00%
|
$6,839
|
Carrington Mortgage Services, LLC
|
3
|
4.13%
|
$7,325
|
NBKC BANK
|
3
|
2.96%
|
$8,980
|
Strong Home Mortgage, LLC
|
2
|
4.69%
|
$6,311
|
Peoples Bank
|
2
|
4.62%
|
$11,348
|
TD Bank
|
2
|
3.75%
|
$7,808
|
CARDINAL FINANCIAL
|
2
|
5.56%
|
$10,493
|
Armed Forces Bank
|
2
|
5.06%
|
$7,133
|
Truist
|
2
|
4.11%
|
$3,088
|
Union Bank
|
2
|
4.19%
|
$7,557
|
PLAZA HOME MORTGAGE, INC.
|
2
|
5.25%
|
$11,736
|
AMERICAN FINANCIAL RESOURCES, INC.
|
2
|
5.63%
|
$6,799
|
VILLAGE CAPITAL MORTGAGE
|
2
|
4.25%
|
$7,317
|
LEADERONE FINANCIAL CORPORATION
|
2
|
4.50%
|
$11,540
|
Low VA Rates, LLC
|
2
|
6.31%
|
$2,844
|
NFM, INC.
|
2
|
5.69%
|
$11,563
|
Prime Choice Funding Inc.
|
2
|
2.44%
|
$19,110
|
DRAPER AND KRAMER MORTGAGE CORP.
|
2
|
6.44%
|
$7,773
|
Wyndham Capital Mortgage, Inc.
|
2
|
4.88%
|
$10,313
|
CONTOUR MORTGAGE CORPORATION
|
2
|
5.19%
|
$10,506
|
M&T Bank
|
2
|
3.75%
|
$3,682
|
Semper Home Loans, Inc.
|
2
|
3.94%
|
$8,838
|
NP, Inc.
|
2
|
2.25%
|
$8,953
|
Paramount Residential Mortgage Group, Inc.
|
2
|
5.69%
|
$12,209
|
Century Mortgage Company DBA Century Lending Company
|
2
|
3.50%
|
$15,668
|
MEMBER FIRST MORTGAGE, LLC
|
1
|
4.38%
|
$4,509
|
Leader Bank
|
1
|
2.63%
|
$4,040
|
Lakeview Community Capital, LLC
|
1
|
4.75%
|
$3,879
|
KELLER MORTGAGE, LLC
|
1
|
5.75%
|
$12,304
|
GUARANTY HOME MORTGAGE CORPORATION
|
1
|
4.88%
|
$11,204
|
Mutual Federal Bank
|
1
|
5.50%
|
$7,919
|
Nations Lending Corporation
|
1
|
5.75%
|
$13,192
|
FIRST MORTGAGE COMPANY, INC.
|
1
|
5.99%
|
$10,355
|
First Guaranty Mortgage Corporation
|
1
|
2.88%
|
$5,301
|
First Federal Bank of Kansas City
|
1
|
3.25%
|
$16,325
|
Evolve Bank & Trust
|
1
|
3.00%
|
$18,263
|
Northwest Federal Credit Union
|
1
|
3.88%
|
$16,883
|
NORWICH COMMERCIAL GROUP, INC.
|
1
|
6.13%
|
$9,476
|
Plains Commerce Bank
|
1
|
6.25%
|
$7,216
|
PREMIA MORTGAGE, LLC
|
1
|
5.00%
|
$0
|
PRIMARY RESIDENTIAL MORTGAGE, INC.
|
1
|
3.75%
|
$19,442
|
AMCAP MORTGAGE, LTD.
|
1
|
5.75%
|
$2,607
|
Prosperity Home Mortgage, LLC
|
1
|
6.13%
|
$16,133
|
ZILLOW HOME LOANS, LLC
|
1
|
3.63%
|
$3,034
|
Bank of New Hampshire
|
1
|
4.50%
|
$2,625
|
Ross Mortgage Company, Inc.
|
1
|
3.75%
|
$16,174
|
RUOFF MORTGAGE COMPANY, INC.
|
1
|
5.50%
|
$14,163
|
Bank of England
|
1
|
3.50%
|
$13,773
|
Shamrock Home Loans, Inc.
|
1
|
7.13%
|
$1,770
|
SIRVA MORTGAGE, INC.
|
1
|
3.13%
|
$27,910
|
SOVEREIGN LENDING GROUP INCORPORATED
|
1
|
3.00%
|
$8,806
|
SUCCESS MORTGAGE PARTNERS, INC.
|
1
|
6.13%
|
$4,170
|
Bangor Savings Bank
|
1
|
2.75%
|
$3,427
|
Axos Bank
|
1
|
4.63%
|
$9,507
|
AMERICAN PACIFIC MORTGAGE CORPORATION
|
1
|
3.13%
|
$2,770
|
U.S. Bank
|
1
|
4.75%
|
$16,320
|
Waterstone Mortgage Corporation
|
1
|
5.25%
|
$9,497
|
The top New Hampshire VA lender as defined by loan originations is Mortgage Research Center, LLC, with
331 VA loans originated. Their average total fees are
$8,952, which is $3,440
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee New Hampshire VA lenders (with over 10 loans originated) are
PENTAGON FEDERAL CREDIT UNION ($4,646), EVERETT FINANCIAL, INC. ($5,665), LAKEVIEW LOAN SERVICING, LLC ($6,235), CALIBER HOME LOANS, INC. ($7,161) and HARBORONE MORTGAGE, LLC ($7,212).
The lowest rate New Hampshire VA lenders (with over 10 loans originated) are
LAKEVIEW LOAN SERVICING, LLC (3.39%), HOME POINT FINANCIAL CORPORATION (3.43%), PENNYMAC LOAN SERVICES, LLC (3.57%), AMERISAVE MORTGAGE CORPORATION (3.60%) and NEWREZ LLC (3.68%).
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.