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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best VA Mortgage Lenders in New Hampshire
Updated February 6, 2026
Market Overview
135
Total Lenders
14,943
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,789 | +0.246% | 1,219 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $510 | -0.484% | 129 | |
3 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $309 | -0.261% | 47 | |
4 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,041 | +0.378% | 1,819 | |
5 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,278 | +0.347% | 414 | |
6 | HARBORONE MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $2,402 | +0.208% | 328 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,743 | +0.192% | 323 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,805 | +0.438% | 114 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,261 | -0.094% | 111 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,600 | +0.273% | 104 | |
11 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,058 | -0.179% | 77 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,553 | +0.303% | 1,127 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,905 | +0.391% | 490 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,480 | +0.236% | 282 | |
15 | KEYSTONE FUNDING, INC. | Strong | Sound | Strong | Exceptional | Strong | $1,560 | +0.291% | 162 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,198 | +0.462% | 82 | |
17 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,248 | +0.412% | 731 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,853 | +0.321% | 618 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,063 | +0.430% | 539 | |
20 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,015 | +0.310% | 171 | |
21 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,032 | +0.441% | 156 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,349 | +0.578% | 249 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,291 | +0.311% | 132 | |
24 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $3,845 | +0.473% | 156 | |
25 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,937 | +0.200% | 57 | |
26 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Strong | Exceptional | Strong | $2,902 | +0.470% | 171 | |
27 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,707 | +0.546% | 79 | |
28 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,837 | +0.564% | 69 | |
29 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $3,358 | +0.527% | 142 | |
30 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $1,634 | +0.399% | 130 | |
31 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $6,636 | +1.358% | 35 | |
32 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $2,793 | +0.308% | 32 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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