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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

By
NerdWallet
Mar 7, 2023

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Best New Hampshire Mortgage Lenders

Lender
NerdWallet Rating
Min. credit score
Min. down payment
Learn more
Bank of America

Bank of America: NMLS#399802

Read review
4.0/5
Best for jumbo loans

720

15%

Caliber

Caliber: NMLS#15622

3.5/5
Best for credit challenges

620

3%

3.5/5
Best for renovation loans

620

3%

Learn moreat Fairway Independent Mortgageat Fairway Independent Mortgage
Guaranteed Rate

Guaranteed Rate: NMLS#2611

5.0/5
Best for online convenience

620

3%

loanDepot

loanDepot: NMLS#174457

4.0/5
Best for renovation loans

620

5%

Navy Federal

Navy Federal: NMLS#399807

4.5/5
Best for VA loans

N/A

0%

PrimeLending

PrimeLending: NMLS#13649

3.5/5
Best for credit challenges

620

3%

Rocket Mortgage, LLC

Rocket Mortgage, LLC: NMLS#3030

Learn moreat Rocket Mortgage, LLCat Rocket Mortgage, LLC
4.5/5
Best for online convenience

620

3%

Learn moreat Rocket Mortgage, LLCat Rocket Mortgage, LLC
Veterans United

Veterans United: NMLS#1907

4.0/5
Best for VA loans

620

0%

Wells Fargo

Wells Fargo: NMLS#399801

4.5/5
Best for jumbo loans

620

10.01%

Bank of America
Read review
Bank of America

Bank of America: NMLS#399802

4.0
Min. credit score

720

Min. down payment

15%

Why We Like ItGood for: first-time home buyers looking for low- or no-down-payment options and homeowners interested in a home equity line of credit.
Pros
  • Offers down payment and closing cost assistance programs.
  • May give existing customers 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 loans that roll costs into a mortgage.
Caliber

Caliber: NMLS#15622

Min. credit score

620

Min. down payment

3%

Why We Like ItGood for: first-time home buyers, veterans and those who may have credit challenges to overcome.
Pros
  • Offers extensive educational resources for military borrowers.
  • Participates in some down payment assistance and first-time home buyer programs.
Cons
  • No mortgage rates displayed online.
  • Doesn’t offer home equity loans or lines of credit.
Why We Like ItGood for: borrowers who want access to a wide variety of mortgages, including renovation loans and ITIN loans.
Pros
  • Offers a robust suite of loan products, including ITIN loans for borrowers without Social Security numbers, renovation loans, government-backed mortgages and loans for self-employed borrowers.
  • Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
  • Mortgage rates for different types of loans aren't posted online.
  • Origination fees are on the high side compared with other lenders, according to the latest federal data.
Guaranteed Rate

Guaranteed Rate: NMLS#2611

Min. credit score

620

Min. down payment

3%

Why We Like ItGood for: borrowers seeking a solid variety of loan types, including jumbo and interest-only options, and a totally online experience.
Pros
  • Displays detailed sample rates for many of its loan products.
  • Offers a wide variety of loans, including jumbo and interest-only products.
  • Offers low rates compared with other lenders, according to the latest federal data.
Cons
  • Doesn't offer home equity loans.
loanDepot

loanDepot: NMLS#174457

Min. credit score

620

Min. down payment

5%

Why We Like ItGood for: borrowers who want an easy online application and a variety of loan types to explore.
Pros
  • Has branches across the country for customers who prefer face-to-face service.
  • Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
  • Mortgage interest rates tend to be on the lower end, according to the latest federal data.
Cons
  • Mortgage rates aren't available online; you'll need to contact a loan officer.
  • Doesn't offer home equity loans or lines of credit.
Navy Federal

Navy Federal: NMLS#399807

National / regional

National

Min. down payment

0%

Why We Like ItGood for: military members and their families looking for low-down-payment mortgages.
Pros
  • Offers a wide range of affordable mortgage products, including 0% down payment loans, designed for military members.
  • Offers HELOCs and home equity loans.
  • Offers low rates compared with most lenders, according to the latest federal data.
Cons
  • Website does not provide customized mortgage rates based on credit score or other factors before you apply.
  • Credit union membership is limited to veterans and current military members, their families, and certain federal employees, retirees and contractors.
PrimeLending

PrimeLending: NMLS#13649

Min. credit score

620

Min. down payment

3%

Why We Like ItGood for: borrowers looking for closing cost assistance, as well as those seeking to renovate or to build a new home.
Pros
  • Full online application includes document uploads and automated loan updates.
  • Offers a "float-down" interest rate lock.
  • Offers government-backed mortgage and refinance options, including FHA, USDA and VA loans.
Cons
  • No online mortgage rates — you have to contact the lender for info.
  • Doesn't offer home equity products.
Rocket Mortgage, LLC
Learn moreat Rocket Mortgage, LLCat Rocket Mortgage, LLC
Rocket Mortgage, LLC

Rocket Mortgage, LLC: NMLS#3030

Min. credit score

620

Min. down payment

3%

Learn moreat Rocket Mortgage, LLCat Rocket Mortgage, LLC
Why We Like ItGood for: borrowers who appreciate a fully digital home loan experience with mortgage rates lower than other lenders’.
Pros
  • Streamlined online process with document and asset retrieval capabilities, as well as the ability to edit your preapproval letter.
  • Mortgage interest rates are on the low side compared to other lenders, according to the latest federal data.
  • Offers the option to work with loan officers by phone if desired.
Cons
  • Getting a customized interest rate requires a credit check, which can affect your credit score.
  • Doesn't offer home equity lines of credit.
  • Origination fees are on the high side compared with other lenders, according to the latest federal data.
Veterans United

Veterans United: NMLS#1907

Min. credit score

620

Min. down payment

0%

Why We Like ItGood for: veterans, active-duty service members and eligible reservists looking for VA loans.
Pros
  • Offers 24/7 customer service over the phone.
  • Offers a free credit counseling service.
  • Mortgage rates are on the low side, according to the latest federal data.
Cons
  • Doesn’t offer home equity loans or HELOCs.
  • Veterans United doesn't have branch offices in every state.
Wells Fargo

Wells Fargo: NMLS#399801

Min. credit score

620

Min. down payment

10.01%

Why We Like ItGood for: existing customers of the bank looking for a wide selection of mortgage products.
Pros
  • Sample rates clearly posted for various loan products.
  • Offers a wide variety of loan types and products.
  • Mortgage rates tend to be on the low side compared with other lenders, according to the latest federal data.
Cons
  • Home loans business is broadly focused on bank customers.
  • Doesn’t offer home improvement loans, or home equity loans or lines of credit.
  • Scandals and government actions have damaged consumer trust in recent years.

More from NerdWallet:

Last updated on March 7, 2023

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.

To recap our selections...

NerdWallet's Best New Hampshire Mortgage Lenders of 2021

  • Bank of America: Best for jumbo loans
  • Caliber: Best for credit challenges
  • Fairway Independent Mortgage: Best for renovation loans
  • Guaranteed Rate: Best for online convenience
  • loanDepot: Best for renovation loans
  • Navy Federal: Best for VA loans
  • PrimeLending: Best for credit challenges
  • Rocket Mortgage, LLC: Best for online convenience
  • Veterans United: Best for VA loans
  • Wells Fargo: Best for jumbo loans
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