New Hampshire VA Loan Rates, Closing Costs & Stats

New Hampshire

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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.

    New Hampshire VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in New Hampshire averaged 6.87% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    New Hampshire's average VA mortgage closing costs are $6,776.

    The average rate for the prior week (2025-05-16) was 7.15% and one month ago for the week of 2025-04-18, the average rate was 6.72%.

    The average rate one year ago was 7.24%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.91%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 277 6.25% $8,373
    UNITED WHOLESALE MORTGAGE, LLC 208 5.93% $8,253
    CMG MORTGAGE, INC. 122 6.41% $9,186
    QUICKEN LOANS, LLC 99 6.02% $13,386
    FREEDOM MORTGAGE CORPORATION 77 6.28% $11,437
    PENNYMAC LOAN SERVICES, LLC 66 5.71% $9,752
    EMM LOANS LLC 52 6.31% $10,540
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 51 6.44% $7,101
    NAVY FEDERAL CREDIT UNION 44 5.86% $5,305
    USAA Federal Savings Bank 44 6.05% $11,955
    CROSSCOUNTRY MORTGAGE, LLC 38 6.39% $10,379
    GUILD MORTGAGE COMPANY 36 6.25% $10,555
    NEW DAY FINANCIAL, LLC 35 7.65% $15,859
    LOANDEPOT.COM, LLC 31 6.09% $10,020
    GUARANTEED RATE, INC. 30 6.02% $4,477
    The Federal Savings Bank 27 6.13% $18,572
    PRIMELENDING, A PLAINSCAPITAL COMPANY 26 6.36% $6,791
    NEWREZ LLC 26 6.25% $9,158
    MOVEMENT MORTGAGE, LLC 25 6.55% $7,803
    VILLAGE CAPITAL MORTGAGE 20 5.79% $7,491
    LAKEVIEW LOAN SERVICING, LLC 17 5.76% $6,583
    Mr. Cooper ( Nationstar Mortgage ) 17 6.16% $13,380
    First Federal Bank 14 5.62% $9,159
    Keystone Funding, Inc. 13 6.02% $7,103
    NORTHPOINT MORTGAGE, INC. 13 6.24% $12,091
    HARBORONE MORTGAGE, LLC 12 6.31% $8,239
    Magnolia Bank 11 5.44% $23,661
    RELIANCE FIRST CAPITAL, LLC 10 6.36% $18,826
    BROKER SOLUTIONS, INC. 10 6.75% $10,551
    NBKC BANK 10 5.92% $6,858
    ENVOY MORTGAGE, LTD 9 6.57% $11,332
    PLANET HOME LENDING, LLC 9 5.50% $3,359
    TOTAL MORTGAGE SERVICES, LLC 9 6.39% $6,713
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 8 6.34% $10,924
    EVERETT FINANCIAL, INC. 7 6.89% $10,544
    Carrington Mortgage Services, LLC 7 5.95% $18,135
    Barrington Bank & Trust Company, N.A. 7 6.18% $16,270
    MORTGAGE EQUITY PARTNERS LLC 6 6.15% $14,645
    Flagstar Bank, FSB 6 6.16% $4,886
    Waterstone Mortgage Corporation 6 6.54% $7,522
    BAY EQUITY LLC 5 6.57% $5,307
    PHH Mortgage Corporation 4 5.43% $7,605
    AMERICAN FINANCIAL RESOURCES, INC. 4 6.47% $16,081
    American Mortgage & Equity Consultants, Inc. 4 6.59% $5,548
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 6.19% $8,416
    Equity Prime Mortgage LLC 4 6.47% $13,963
    FIRST MORTGAGE COMPANY, INC. 4 6.84% $8,390
    GUARANTEED RATE AFFINITY, LLC 4 6.03% $3,868
    Leader Bank 4 6.00% $5,914
    MUTUAL OF OMAHA MORTGAGE, INC. 4 6.50% $14,628
    PENTAGON FEDERAL CREDIT UNION 4 5.94% $7,412
    POLARIS HOME FUNDING CORP. 4 7.28% $18,579
    Cornerstone First Mortgage, Inc 3 6.33% $10,685
    SALEM FIVE MORTGAGE COMPANY, LLC 3 6.38% $6,635
    Plains Commerce Bank 3 6.21% $9,360
    HOMESIDE FINANCIAL, LLC 3 7.21% $27,219
    Texana Bank 3 6.04% $17,951
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.25% $6,341
    AMERISAVE MORTGAGE CORPORATION 3 6.21% $21,330
    Lakeview Community Capital, LLC 2 5.50% $5,842
    AMERICAN FINANCING CORPORATION 2 5.50% $19,005
    EMBRACE HOME LOANS, INC. 2 6.62% $4,624
    NORWICH COMMERCIAL GROUP, INC. 2 6.44% $10,929
    JPMorgan Chase Bank 2 6.43% $1,743
    JMAC LENDING, INC. 2 6.25% $9,980
    Service Federal Credit Union 2 5.94% $5,934
    NATIONS RELIABLE LENDING, LLC 2 6.44% $7,828
    Presidential Bank, FSB 2 6.25% $4,189
    Union Bank 2 6.44% $2,752
    Northpointe Bank 2 5.88% $23,016
    PROVINCE MORTGAGE ASSOCIATES, INC. 1 6.25% $13,086
    Bank of America 1 6.63% $8,348
    Armed Forces Bank 1 6.00% $2,899
    Sierra Pacific Mortgage Company, Inc. 1 6.63% $8,539
    SUN WEST MORTGAGE COMPANY, INC. 1 6.22% $2,072
    TD Bank 1 6.75% $2,251
    The Camden National Bank 1 6.25% $8,929
    AmeriHome Mortgage Company, LLC 1 5.63% $3,228
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $17,628
    LEADERONE FINANCIAL CORPORATION 1 6.63% $3,133
    KeyBank 1 5.50% $5,005
    MEMBER FIRST MORTGAGE, LLC 1 8.13% $12,416
    HANSCOM 1 6.38% $21,877
    U.S. Bank 1 6.75% $26,782
    NATIONS DIRECT MORTGAGE, LLC 1 6.25% $19,172
    Nations Lending Corporation 1 6.25% $3,624
    FIRST HOME MORTGAGE CORPORATION 1 7.13% $21,830
    FIRST COMMUNITY MORTGAGE, INC. 1 6.99% $11,078
    FIRST COLONY MORTGAGE CORPORATION 1 6.25% $3,963
    NEW FED MORTGAGE, CORP. 1 6.25% $4,295
    Evolve Bank & Trust 1 5.25% $0
    North American Savings Bank, F.S.B. 1 5.63% $3,919
    AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $3,544
    Advisors Mortgage Group, L.L.C. 1 6.25% $7,620
    CARDINAL FINANCIAL 1 5.99% $4,216
    ALLIED MORTGAGE GROUP, INC. 1 6.25% $6,114
    Bank of England 1 5.88% $24,862
    Prosperity Home Mortgage, LLC 1 6.75% $3,674

    The top New Hampshire VA lender as defined by loan originations is Mortgage Research Center, LLC, with 277 VA loans originated. Their average total fees are $8,373, which is $121 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee New Hampshire VA lenders (with over 10 loans originated) are GUARANTEED RATE, INC. ($4,477), NAVY FEDERAL CREDIT UNION ($5,305), LAKEVIEW LOAN SERVICING, LLC ($6,583), PRIMELENDING, A PLAINSCAPITAL COMPANY ($6,791) and NBKC BANK ($6,858).

    The lowest rate New Hampshire VA lenders (with over 10 loans originated) are Magnolia Bank (5.44%), First Federal Bank (5.62%), PENNYMAC LOAN SERVICES, LLC (5.71%), LAKEVIEW LOAN SERVICING, LLC (5.76%) and VILLAGE CAPITAL MORTGAGE (5.79%).

    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.