10 Best New Hampshire Mortgage Lenders of 2021
NerdWallet can help you choose the right New Hampshire mortgage lender for you, whether you want a major bank’s full menu of options or an online lender’s all-digital experience
Last updated on January 21, 2021
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Whether buying a home or refinancing in New Hampshire, look for a mortgage lender that caters to your needs. These lenders do a high volume of business in the Granite State and are among the best reviewed by NerdWallet. They can fit the bill whether you prefer a traditional bank or the convenience of an online lender. There are also options if you’re buying a fixer-upper, want a VA loan or have some credit challenges.
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Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
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Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
10 Best New Hampshire Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
620 | 1% | Learn more at Rocket Mortgage, LLC | ||
620 | 3% | Learn more at Rate | ||
620 | 0% | Learn more at Veterans United | ||
 Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | 620 | 3% | Learn more at Fairway Independent Mortgage | |
620 | 3% | |||
N/A | 0% | |||
620 | 3% | |||
620 | 3% | |||
700 | 20% | |||
720 | 5% |
Learn more
at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030
4.5
Home loans overall
NerdWallet ratingMin. credit score
620
Min. down payment
1%
- Why We Like ItRocket Mortgage is the largest mortgage lender by volume, standing out for its range of affordable borrowing options, down payment assistance and closing cost credits.Pros
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
Cons- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
Learn more
at Rate
- Why We Like ItRate boasts a streamlined application process, with full underwriting in as little as one business day, though average fees are higher than many competitors’.Pros
- Fully underwritten mortgage approval in as little as one day for qualified borrowers.
- Generous selection of loans, including government-backed, interest-only, jumbo and renovation.
- Advertises a HELOC that can be funded in as few as five business days.
Cons- Origination fees are on the high side, according to the latest federal data.
- HELOC requires immediate, full withdrawal of funds.
Learn more
at Veterans United
- Why We Like ItVeterans United is the largest VA loan originator in the country by far, according to the latest federal data.Pros
- Specializes in working with military borrowers.
- Offers VA refinancing.
- Sample interest rates are posted online.
Cons- Interest rates are on the higher end compared to other VA lenders.
- Does not offer VA renovation loans.
Learn more
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289
3.0
Home loans overall
NerdWallet ratingMin. credit score
620
Min. down payment
3%
- Why We Like ItFairway Independent Mortgage Corporation has many brick-and-mortar branches and a reputation for top-notch customer service, but it was recently penalized for redlining.Pros
- Loan options include government-backed mortgages and physician loans.
- Offers first-time home buyer grants to buyers in eligible locations.
- Highest scoring mortgage lender for customer satisfaction, according to J.D. Power.
Cons- Mortgage rates aren't posted online.
- Online customer service requires contact information and phone is for existing customers only.
- Home equity loans and HELOCs are not available.
- Has been penalized for redlining.
- Why We Like ItLoanDepot is a large nonbank lender that offers the potential for a streamlined mortgage process and cash back, but to start an application or get a rate quote you must work with a loan officer over the phone.Pros
- Offers a variety of repayment terms for fixed-rate loans.
- Does a substantial amount of business in FHA lending.
- mello smartloan product can streamline mortgage application, appraisal and title search.
Cons- Interest rates are not available on the website.
- Origination fees are on the higher end, according to the latest federal data.
- Why We Like ItNavy Federal Credit Union stands out for having exceptionally low VA interest rates and fees.Pros
- Best-scoring VA lender for interest rates and fees.
- Offers VA refinancing.
- Specializes in working with military borrowers.
Cons- Does not offer VA renovation loans.
- Why We Like ItGood for: first-time home buyers, self-employed borrowers and those who may have credit challenges to overcome.Pros
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Offers financial assistance, such as grants for down payments or closing costs, to first-time home buyers who qualify.
- Supports military borrowers with extensive online resources and dedicated VA loan specialists.
Cons- No mortgage rates displayed online.
- Room to improve overall digital experience: No online chat for customer service, and mobile app has poor ratings and reviews.
- Doesn't offer home equity loans or lines of credit.
PrimeLending: NMLS#13649
4.0
Home loans overall
NerdWallet ratingMin. credit score
620
Min. down payment
3%
- Why We Like ItPrimeLending stands out for its wide variety of loan types, including non-QM loans and renovation and construction options, but lacks some technical features like online rates or a mobile app.Pros
- Offers closing cost assistance.
- Wide variety of loan types, including non-QM loans.
- Mortgages are available for manufactured homes, including 3D-printed houses.
Cons- Loans are not available in all states.
- Rates are not posted online.
- Does not have a mobile app.
- Why We Like ItWells Fargo originated more jumbo loans than any other lender in 2023, and current Wells Fargo customers may be able to take advantage of interest rate discounts.Pros
- Borrowers with at least $250,000 worth of assets in Wells Fargo accounts can receive an interest rate discount.
- In 2023, 20% of Wells Fargo purchase loans were jumbo.
- Has underwriters that specialize in jumbo loans.
Cons- Home lending business is broadly focused on existing bank customers.
- Scandals and government actions in recent years have damaged consumer trust.
- Requires a minimum down payment of 20%.
- Why We Like ItGood for: low- to moderate-income buyers who qualify for down payment or closing cost assistance programs and homeowners interested in a home equity line of credit.Pros
- Offers down payment and closing cost assistance programs.
- Existing customers who meet certain qualifications can receive a discount on mortgage lender origination fees and HELOC interest rates.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons- Doesn't offer renovation or construction-to-permanent mortgage loans.
- Must enroll in online banking to access Home Loan Navigator.
- Fined $12 million for reporting inaccurate mortgage applicant info to the federal government.
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Last updated on January 21, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
NerdWallet's Best New Hampshire Mortgage Lenders of 2021
- Rocket Mortgage, LLC: Best for online convenience
- Rate: Best for online convenience
- Veterans United: Best for VA loans
- Fairway Independent Mortgage: Best for renovation loans
- loanDepot: Best for renovation loans
- Navy Federal: Best for VA loans
- Caliber: Best for credit challenges
- PrimeLending: Best for credit challenges
- Wells Fargo: Best for jumbo loans
- Bank of America: Best for jumbo loans
