New Hampshire Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in New Hampshire averaged
6.78%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.69% and
one month ago for the week of 2025-02-27, the
average rate was 7%.
New Hampshire's average rate one year ago was 7.03%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.86%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| New Hampshire 30 Year Fixed Rate | 2025-04-03 | 6.78% |
| New Hampshire 30 Year Fixed Rate Refi | 2025-04-03 | 6.86% |
| New Hampshire 15 Year Fixed Rate | 2025-04-03 | 6.17% |
| New Hampshire 15 Year Fixed Rate Refi | 2025-04-03 | 6.24% |
| New Hampshire 30 Year FHA | 2025-04-03 | 6.57% |
| New Hampshire 30 Year FHA Refi | 2025-04-03 | 5.77% |
| New Hampshire 30 Year USDA | 2025-04-03 | 6.52% |
| New Hampshire 30 Year USDA Refi | 2025-04-03 | 6.42% |
| New Hampshire 30 Year VA | 2025-04-03 | 6.16% |
| New Hampshire 30 Year VA Refi | 2025-04-03 | 5.35% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within New Hampshire.
New Hampshire Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the New Hampshire market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
New Hampshire Average Closing Costs & Other Stats
New Hampshire's 296 lenders originated 30,061
loans during 2024. The total origination value was $9,641,185,000, with an average loan value of
$320,721.
New Hampshire's average closing costs are $5,098.
The top New Hampshire lender as defined by loan originations is CMG MORTGAGE, INC., with
1,390 loans originated. Their average total fees are
$4,879, which is $2,758
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee New Hampshire lenders (with over 10 loans originated) are
NBKC BANK ($3,079), TD Bank ($3,127), HANSCOM ($3,229), MERRIMACK VALLEY ($3,323) and Holy Rosary Regional Credit Union ($3,358).
The lowest rate New Hampshire lenders (with over 10 loans originated) are
Service Federal Credit Union (5.99%), Charles Schwab Bank, SSB (6.01%), NBT Bank (6.11%), Morgan Stanley Private Bank (6.14%) and Workers Credit Union (6.17%).
New Hampshire Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| CMG MORTGAGE, INC. | $608,690,000 | $761,185,000 | 25.1% | 7.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $378,375,000 | $590,790,000 | 56.1% | 6.1% |
| Citizens Bank | $504,150,000 | $503,250,000 | -0.2% | 5.2% |
| QUICKEN LOANS, LLC | $296,620,000 | $426,910,000 | 43.9% | 4.4% |
| EMM LOANS LLC | $122,765,000 | $302,950,000 | 146.8% | 3.1% |
| GUILD MORTGAGE COMPANY | $268,895,000 | $257,800,000 | -4.1% | 2.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $209,940,000 | $252,875,000 | 20.5% | 2.6% |
| Service Federal Credit Union | $168,590,000 | $217,465,000 | 29.0% | 2.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $182,220,000 | $204,865,000 | 12.4% | 2.1% |
| ST. MARY'S BANK | $202,195,000 | $190,105,000 | -6.0% | 2.0% |
| TD Bank | $195,600,000 | $188,445,000 | -3.7% | 2.0% |
| MOVEMENT MORTGAGE, LLC | $203,980,000 | $182,140,000 | -10.7% | 1.9% |
| GUARANTEED RATE, INC. | $117,430,000 | $170,265,000 | 45.0% | 1.8% |
| Eastern Bank | $88,770,000 | $146,835,000 | 65.4% | 1.5% |
| Mascoma Bank | $137,360,000 | $139,025,000 | 1.2% | 1.4% |
| LOANDEPOT.COM, LLC | $93,630,000 | $134,300,000 | 43.4% | 1.4% |
| HARBORONE MORTGAGE, LLC | $155,385,000 | $132,715,000 | -14.6% | 1.4% |
| Meredith Village Savings Bank | $187,825,000 | $131,970,000 | -29.7% | 1.4% |
| Mortgage Research Center, LLC | $84,560,000 | $123,740,000 | 46.3% | 1.3% |
| Bank of America | $111,405,000 | $118,085,000 | 6.0% | 1.2% |
| Bangor Savings Bank | $55,305,000 | $117,635,000 | 112.7% | 1.2% |
| DIGITAL Federal Credit Union | $98,785,000 | $112,155,000 | 13.5% | 1.2% |
| NORTHEAST CREDIT UNION | $92,215,000 | $101,375,000 | 9.9% | 1.1% |
| Bar Harbor Bank & Trust | $86,295,000 | $96,995,000 | 12.4% | 1.0% |
| BERKELEY POINT CAPITAL LLC | $92,520,000 | n/a | 1.0% | |
| Leader Bank | $50,710,000 | $84,515,000 | 66.7% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $50,960,000 | $80,465,000 | 57.9% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $59,985,000 | $76,315,000 | 27.2% | 0.8% |
| M&T Bank | $52,005,000 | $75,745,000 | 45.6% | 0.8% |
| JPMorgan Chase Bank | $60,255,000 | $75,130,000 | 24.7% | 0.8% |
| TOTAL MORTGAGE SERVICES, LLC | $55,735,000 | $74,085,000 | 32.9% | 0.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $24,705,000 | $73,600,000 | 197.9% | 0.8% |
| Needham Bank | $595,000 | $72,625,000 | 12,105.9% | 0.8% |
| Merrimack County Savings Bank | $73,390,000 | $72,575,000 | -1.1% | 0.8% |
| Enterprise Bank and Trust Company | $96,145,000 | $71,595,000 | -25.5% | 0.7% |
| NORTHPOINT MORTGAGE, INC. | $42,960,000 | $71,325,000 | 66.0% | 0.7% |
| Keystone Funding, Inc. | $21,750,000 | $69,780,000 | 220.8% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $29,655,000 | $69,135,000 | 133.1% | 0.7% |
| ENVOY MORTGAGE, LTD | $51,595,000 | $60,520,000 | 17.3% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $49,830,000 | $59,650,000 | 19.7% | 0.6% |
| Union Bank | $38,490,000 | $57,995,000 | 50.7% | 0.6% |
| American Mortgage & Equity Consultants, Inc. | $64,420,000 | $56,075,000 | -13.0% | 0.6% |
| BROKER SOLUTIONS, INC. | $25,950,000 | $52,970,000 | 104.1% | 0.5% |
| Franklin Savings Bank | $51,230,000 | $51,860,000 | 1.2% | 0.5% |
| BELLWETHER COMMUNITY | $42,180,000 | $48,680,000 | 15.4% | 0.5% |
| CBRE MULTIFAMILY CAPITAL, INC. | $47,465,000 | n/a | 0.5% | |
| NEWREZ LLC | $30,020,000 | $47,300,000 | 57.6% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $49,010,000 | $46,290,000 | -5.5% | 0.5% |
| Kennebunk Savings Bank | $28,865,000 | $44,355,000 | 53.7% | 0.5% |
| Newburyport Five Cents Savings Bank | $25,880,000 | $43,780,000 | 69.2% | 0.5% |
| SALEM FIVE MORTGAGE COMPANY, LLC | $32,960,000 | $43,245,000 | 31.2% | 0.4% |
| FIRST MORTGAGE COMPANY, INC. | $22,970,000 | $41,015,000 | 78.6% | 0.4% |
| Morgan Stanley Private Bank | $36,875,000 | $40,420,000 | 9.6% | 0.4% |
| MORTGAGE EQUITY PARTNERS LLC | $23,345,000 | $38,710,000 | 65.8% | 0.4% |
| Jeanne D'Arc Credit Union | $36,495,000 | $36,950,000 | 1.2% | 0.4% |
| NBT Bank | $41,125,000 | $36,030,000 | -12.4% | 0.4% |
| USAA Federal Savings Bank | $22,345,000 | $35,605,000 | 59.3% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $18,220,000 | $34,905,000 | 91.6% | 0.4% |
| NEW FED MORTGAGE, CORP. | $25,370,000 | $34,130,000 | 34.5% | 0.4% |
| Salem Co-Operative Bank | $36,755,000 | $33,620,000 | -8.5% | 0.3% |
| U.S. Bank | $26,155,000 | $32,995,000 | 26.2% | 0.3% |
| Granite State Credit Union | $31,140,000 | $32,765,000 | 5.2% | 0.3% |
| Holy Rosary Regional Credit Union | $33,070,000 | $32,370,000 | -2.1% | 0.3% |
| ORIX REAL ESTATE CAPITAL, LLC | $32,005,000 | n/a | 0.3% | |
| The Camden National Bank | $13,020,000 | $30,370,000 | 133.3% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $19,970,000 | $29,420,000 | 47.3% | 0.3% |
| EVERETT FINANCIAL, INC. | $24,085,000 | $28,680,000 | 19.1% | 0.3% |
| MERRIMACK VALLEY | $24,615,000 | $28,320,000 | 15.1% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $24,080,000 | $26,720,000 | 11.0% | 0.3% |
| UBS Bank USA | $14,685,000 | $26,355,000 | 79.5% | 0.3% |
| RADIUS FINANCIAL GROUP INC. | $25,610,000 | $25,685,000 | 0.3% | 0.3% |
| Waterstone Mortgage Corporation | $25,080,000 | $24,770,000 | -1.2% | 0.3% |
| Figure Lending LLC | $9,955,000 | $24,025,000 | 141.3% | 0.2% |
| Institution for Savings in Newburyport and Its Vicinity | $37,860,000 | $23,920,000 | -36.8% | 0.2% |
| Wells Fargo Bank | $34,475,000 | $23,680,000 | -31.3% | 0.2% |
| BAY EQUITY LLC | $14,865,000 | $23,535,000 | 58.3% | 0.2% |
| SIS BANCORP, MHC | $32,925,000 | $22,795,000 | -30.8% | 0.2% |
| Pentucket Bank | $29,660,000 | $22,605,000 | -23.8% | 0.2% |
| Northway Bank | $39,505,000 | $22,250,000 | -43.7% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $14,410,000 | $22,190,000 | 54.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $9,075,000 | $22,115,000 | 143.7% | 0.2% |
| Community Bank | $17,880,000 | $20,940,000 | 17.1% | 0.2% |
| NBKC BANK | $11,420,000 | $20,705,000 | 81.3% | 0.2% |
| First Seacoast Bank | $28,325,000 | $20,330,000 | -28.2% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $25,165,000 | $19,715,000 | -21.7% | 0.2% |
| Berkshire Bank | $17,620,000 | $19,535,000 | 10.9% | 0.2% |
| NORTHEAST HOME LOAN, LLC | $12,795,000 | $19,170,000 | 49.8% | 0.2% |
| Discover Bank | $17,540,000 | $18,390,000 | 4.8% | 0.2% |
| The Lowell Five Cent Savings Bank | $14,830,000 | $18,370,000 | 23.9% | 0.2% |
| Bank of New Hampshire | $57,560,000 | $17,930,000 | -68.8% | 0.2% |
| Citibank | $18,830,000 | $17,825,000 | -5.3% | 0.2% |
| Triangle Credit Union | $17,785,000 | n/a | 0.2% | |
| The Provident Bank | $10,135,000 | $17,550,000 | 73.2% | 0.2% |
| EMBRACE HOME LOANS, INC. | $20,075,000 | $15,630,000 | -22.1% | 0.2% |
| Home Loan Investment Bank, F.S.B. | $12,090,000 | $15,625,000 | 29.2% | 0.2% |
| The Federal Savings Bank | $13,625,000 | $15,350,000 | 12.7% | 0.2% |
| Profile Bank | $10,255,000 | $14,715,000 | 43.5% | 0.2% |
| MSA MORTGAGE, LLC | $14,370,000 | n/a | 0.1% | |
| Plains Commerce Bank | $3,185,000 | $14,310,000 | 349.3% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $14,945,000 | $14,175,000 | -5.2% | 0.1% |
| METRO | $15,720,000 | $14,135,000 | -10.1% | 0.1% |
| Workers Credit Union | $4,640,000 | $13,295,000 | 186.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $6,960,000 | $12,945,000 | 86.0% | 0.1% |
| PHH Mortgage Corporation | $4,190,000 | $12,925,000 | 208.5% | 0.1% |
| Arbor Realty Trust, Inc. | $12,870,000 | n/a | 0.1% | |
| Northpointe Bank | $7,740,000 | $12,815,000 | 65.6% | 0.1% |
| NEW DAY FINANCIAL, LLC | $8,875,000 | $12,720,000 | 43.3% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $1,280,000 | $12,305,000 | 861.3% | 0.1% |
| T2 FINANCIAL LLC | $1,210,000 | $12,240,000 | 911.6% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $8,270,000 | $12,080,000 | 46.1% | 0.1% |
| Carrington Mortgage Services, LLC | $12,270,000 | $11,960,000 | -2.5% | 0.1% |
| First Federal Bank | $2,875,000 | $11,470,000 | 299.0% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $12,370,000 | $11,360,000 | -8.2% | 0.1% |
| Rockland Trust Company | $16,460,000 | $11,315,000 | -31.3% | 0.1% |
| PNC Bank | $13,785,000 | $11,190,000 | -18.8% | 0.1% |
| Webster Bank | $8,145,000 | $10,615,000 | 30.3% | 0.1% |
| Salem Five Cents Savings Bank | $6,430,000 | $10,585,000 | 64.6% | 0.1% |
| HANSCOM | $13,085,000 | $10,565,000 | -19.3% | 0.1% |
| Easthampton Savings Bank | $8,910,000 | $10,555,000 | 18.5% | 0.1% |
| Members First Credit Union N.H. | $9,350,000 | $10,035,000 | 7.3% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $3,675,000 | $9,945,000 | 170.6% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,340,000 | $9,860,000 | 635.8% | 0.1% |
| BNY Mellon | $15,190,000 | $9,615,000 | -36.7% | 0.1% |
| JMAC LENDING, INC. | $1,765,000 | $9,550,000 | 441.1% | 0.1% |
| MEMBERS ADVANTAGE COMMUNITY CREDIT UNION | $3,235,000 | $9,395,000 | 190.4% | 0.1% |
| Haverhill Bank | $22,685,000 | $9,095,000 | -59.9% | 0.1% |
| Flagstar Bank, FSB | $11,485,000 | $9,025,000 | -21.4% | 0.1% |
| Charles Schwab Bank, SSB | $5,560,000 | $8,640,000 | 55.4% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,845,000 | $8,510,000 | 361.2% | 0.1% |
| LENDSURE MORTGAGE CORP. | $3,425,000 | $8,415,000 | 145.7% | 0.1% |
| Piscataqua Savings Bank | $11,605,000 | $8,380,000 | -27.8% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $3,470,000 | $8,315,000 | 139.6% | 0.1% |
| Coastal Community Bank | $6,325,000 | $8,280,000 | 30.9% | 0.1% |
| GFA Federal Credit Union | $6,885,000 | $8,260,000 | 20.0% | 0.1% |
| WALKER & DUNLOP, LLC | $58,305,000 | $8,250,000 | -85.9% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $7,545,000 | $8,195,000 | 8.6% | 0.1% |
| ALIGN CREDIT UNION | $5,770,000 | $8,150,000 | 41.2% | 0.1% |
| Northern Bank & Trust Company | $455,000 | $8,020,000 | 1,662.6% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $3,295,000 | $7,935,000 | 140.8% | 0.1% |
| CARDINAL FINANCIAL | $6,680,000 | $7,835,000 | 17.3% | 0.1% |
| Farm Credit East, ACA | $1,995,000 | $7,630,000 | 282.5% | 0.1% |
| Washington Savings Bank | $3,095,000 | $7,500,000 | 142.3% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,235,000 | $7,210,000 | 222.6% | 0.1% |
| M&T Realty Capital Corporation | $7,115,000 | n/a | 0.1% | |
| Farmers Bank & Trust | $1,910,000 | $7,070,000 | 270.2% | 0.1% |
| UNION HOME MORTGAGE CORP. | $850,000 | $7,015,000 | 725.3% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,515,000 | $7,000,000 | 362.0% | 0.1% |
| The Huntington National Bank | $7,835,000 | $6,885,000 | -12.1% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $3,855,000 | $6,825,000 | 77.0% | 0.1% |
| Evolve Bank & Trust | $10,940,000 | $6,755,000 | -38.3% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $13,585,000 | $6,705,000 | -50.6% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $2,525,000 | $6,610,000 | 161.8% | 0.1% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | $14,230,000 | $6,610,000 | -53.5% | 0.1% |
| Cambridge Savings Bank | $3,405,000 | $6,450,000 | 89.4% | 0.1% |
| RF Renovo Management Company, LLC | $2,420,000 | $6,415,000 | 165.1% | 0.1% |
| NEW HAMPSHIRE | $4,105,000 | $6,110,000 | 48.8% | 0.1% |
| PLANET HOME LENDING, LLC | $2,400,000 | $6,105,000 | 154.4% | 0.1% |
| ZILLOW HOME LOANS, LLC | $6,110,000 | $6,100,000 | -0.2% | 0.1% |
| 21ST MORTGAGE CORPORATION | $6,040,000 | $6,000,000 | -0.7% | 0.1% |
| SPRING EQ, LLC | $4,310,000 | $5,960,000 | 38.3% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $5,655,000 | $5,865,000 | 3.7% | 0.1% |
| Brookline Bank | $1,275,000 | $5,860,000 | 359.6% | 0.1% |
| OCMBC, INC. | $4,690,000 | $5,825,000 | 24.2% | 0.1% |
| DREW MORTGAGE ASSOCIATES, INC. | $4,965,000 | $5,720,000 | 15.2% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $12,615,000 | $5,700,000 | -54.8% | 0.1% |
| BMO Harris Bank | $6,665,000 | $5,625,000 | -15.6% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $7,255,000 | $5,610,000 | -22.7% | 0.1% |
| WESTERLY COMMUNITY | $4,525,000 | $5,540,000 | 22.4% | 0.1% |
| Equity Prime Mortgage LLC | $3,670,000 | $5,530,000 | 50.7% | 0.1% |
| MEMBERS MORTGAGE COMPANY, INC. | $5,635,000 | $5,455,000 | -3.2% | 0.1% |
| Cambridge Trust Company | $19,850,000 | $5,430,000 | -72.6% | 0.1% |
| HARVARD UNIVERSITY EMPLOYEES | $3,150,000 | $5,375,000 | 70.6% | 0.1% |
| ALLIANT CREDIT UNION | $375,000 | $5,320,000 | 1,318.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $3,675,000 | $5,275,000 | 43.5% | 0.1% |
| NexBank | $670,000 | $5,270,000 | 686.6% | 0.1% |
| Customers Bank | $5,255,000 | n/a | 0.1% | |
| POLARIS HOME FUNDING CORP. | $3,960,000 | $5,020,000 | 26.8% | 0.1% |
| South Shore Bank | $520,000 | $5,005,000 | 862.5% | 0.1% |
| Westfield Bank | $2,910,000 | $4,980,000 | 71.1% | 0.1% |
| NEW ENGLAND FEDERAL CREDIT UNION | $4,785,000 | $4,975,000 | 4.0% | 0.1% |
| Hometown Equity Mortgage, LLC | $775,000 | $4,920,000 | 534.8% | 0.1% |
| Norway Savings Bank | $3,150,000 | $4,915,000 | 56.0% | 0.1% |
| BAYCOAST MORTGAGE COMPANY, LLC | $4,000,000 | $4,870,000 | 21.8% | 0.1% |
| Bethpage Federal Credit Union | $5,320,000 | $4,835,000 | -9.1% | 0.1% |
| Magnolia Bank | $1,170,000 | $4,830,000 | 312.8% | 0.1% |
| Ally Bank | $5,120,000 | $4,780,000 | -6.6% | 0.0% |
| Mortgage Assurance Inc. | $1,030,000 | $4,770,000 | 363.1% | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $3,765,000 | $4,745,000 | 26.0% | 0.0% |
| NFM, INC. | $2,035,000 | $4,720,000 | 131.9% | 0.0% |
| Nations Lending Corporation | $3,750,000 | $4,710,000 | 25.6% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $1,630,000 | $4,655,000 | 185.6% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $2,320,000 | $4,595,000 | 98.1% | 0.0% |
| UniBank for Savings | $2,885,000 | $4,565,000 | 58.2% | 0.0% |
| The Savings Bank | $5,815,000 | $4,515,000 | -22.4% | 0.0% |
| Cornerstone First Mortgage, Inc | $2,050,000 | $4,360,000 | 112.7% | 0.0% |
| ARC HOME LLC | $7,560,000 | $4,330,000 | -42.7% | 0.0% |
| Baxter Credit Union | $940,000 | $4,300,000 | 357.4% | 0.0% |
| Truist | $1,500,000 | $4,250,000 | 183.3% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,465,000 | $4,050,000 | 16.9% | 0.0% |
| FBC MORTGAGE, LLC | $1,830,000 | $4,010,000 | 119.1% | 0.0% |
| North Shore Bank, a Co-operative Bank | $8,800,000 | $3,945,000 | -55.2% | 0.0% |
| LENDINGONE, LLC | $3,890,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $3,790,000 | $3,810,000 | 0.5% | 0.0% |
| First National Bank of America | $5,440,000 | $3,810,000 | -30.0% | 0.0% |
| A&D Mortgage LLC | $5,035,000 | $3,760,000 | -25.3% | 0.0% |
| Fall River Five Cents Savings Bank | $950,000 | $3,720,000 | 291.6% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $2,510,000 | $3,680,000 | 46.6% | 0.0% |
| Avidia Bank | $8,825,000 | $3,665,000 | -58.5% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $9,865,000 | $3,635,000 | -63.2% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $410,000 | $3,455,000 | 742.7% | 0.0% |
| Ross Mortgage Company, Inc. | $1,990,000 | $3,400,000 | 70.9% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $2,185,000 | $3,365,000 | 54.0% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $3,345,000 | n/a | 0.0% | |
| StonehamBank, A Co-operative Bank | $3,070,000 | $3,315,000 | 8.0% | 0.0% |
| United Nations Federal Credit Union | $415,000 | $3,070,000 | 639.8% | 0.0% |
| City National Bank | $1,230,000 | $2,965,000 | 141.1% | 0.0% |
| Citadel Servicing Corporation | $3,925,000 | $2,865,000 | -27.0% | 0.0% |
| MLD MORTGAGE INC. | $925,000 | $2,865,000 | 209.7% | 0.0% |
| Eagle Bank | $1,390,000 | $2,845,000 | 104.7% | 0.0% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | $2,260,000 | $2,805,000 | 24.1% | 0.0% |
| Navigant Credit Union | $2,030,000 | $2,790,000 | 37.4% | 0.0% |
| Methuen Cooperative Bank | $4,160,000 | $2,755,000 | -33.8% | 0.0% |
| Fidelity Co-operative Bank | $1,960,000 | $2,710,000 | 38.3% | 0.0% |
| Community National Bank | $2,000,000 | $2,655,000 | 32.8% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $2,640,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $2,125,000 | $2,605,000 | 22.6% | 0.0% |
| Main Street Bank | $8,665,000 | $2,560,000 | -70.5% | 0.0% |
| Connexus Credit Union | $790,000 | $2,555,000 | 223.4% | 0.0% |
| HarborOne Bank | $1,355,000 | $2,545,000 | 87.8% | 0.0% |
| OCEAN STATE CREDIT UNION | $595,000 | $2,535,000 | 326.1% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $6,165,000 | $2,520,000 | -59.1% | 0.0% |
| American Airlines Federal Credit Union | $1,405,000 | $2,510,000 | 78.6% | 0.0% |
| CANOPY MORTGAGE, LLC | $2,500,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $5,330,000 | $2,425,000 | -54.5% | 0.0% |
| First-Citizens Bank & Trust Company | $1,220,000 | $2,385,000 | 95.5% | 0.0% |
| The Loan Store, Inc. | $2,370,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $185,000 | $2,355,000 | 1,173.0% | 0.0% |
| ADVANCIAL | $2,340,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $3,700,000 | $2,325,000 | -37.2% | 0.0% |
| NP, Inc. | $1,095,000 | $2,315,000 | 111.4% | 0.0% |
| Lakeview Community Capital, LLC | $1,515,000 | $2,275,000 | 50.2% | 0.0% |
| PeoplesBank | $1,020,000 | $2,220,000 | 117.6% | 0.0% |
| WEBSTER FIRST Federal Credit Union | $2,495,000 | $2,180,000 | -12.6% | 0.0% |
| Direct Federal Credit Union | $2,815,000 | $2,150,000 | -23.6% | 0.0% |
| Winter Hill Bank, FSB | $1,435,000 | $2,145,000 | 49.5% | 0.0% |
| USAlliance Federal Credit Union | $2,680,000 | $2,140,000 | -20.1% | 0.0% |
| CENTRAL ONE FEDERAL CREDIT UNION | $2,815,000 | $2,125,000 | -24.5% | 0.0% |
| Logan Finance Corporation | $825,000 | $2,050,000 | 148.5% | 0.0% |
| Stifel Bank and Trust | $4,090,000 | $2,005,000 | -51.0% | 0.0% |
| RESIDENTIAL BANCORP | $1,995,000 | n/a | 0.0% | |
| BayCoast Bank | $1,195,000 | $1,980,000 | 65.7% | 0.0% |
| OceanFirst Bank | $1,950,000 | n/a | 0.0% | |
| Bridgewater Savings Bank | $1,440,000 | $1,930,000 | 34.0% | 0.0% |
| Presidential Bank, FSB | $1,035,000 | $1,915,000 | 85.0% | 0.0% |
| Winchester Co-operative Bank | $1,350,000 | $1,905,000 | 41.1% | 0.0% |
| Middlesex Federal Savings, F.A. | $1,890,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $605,000 | $1,820,000 | 200.8% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,265,000 | $1,805,000 | 42.7% | 0.0% |
| Luxury Mortgage Corp. | $1,795,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $2,085,000 | $1,725,000 | -17.3% | 0.0% |
| Reading Co-Operative Bank | $5,575,000 | $1,700,000 | -69.5% | 0.0% |
| The Union Bank Company | $225,000 | $1,700,000 | 655.6% | 0.0% |
| Semper Home Loans, Inc. | $945,000 | $1,690,000 | 78.8% | 0.0% |
| The Central Trust Bank | $1,550,000 | $1,675,000 | 8.1% | 0.0% |
| LIMA ONE CAPITAL, LLC | $800,000 | $1,620,000 | 102.5% | 0.0% |
| EQUITY RESOURCES, INC. | $2,555,000 | $1,575,000 | -38.4% | 0.0% |
| State Department Federal Credit Union | $2,210,000 | $1,570,000 | -29.0% | 0.0% |
| ONE Credit Union | $960,000 | $1,550,000 | 61.5% | 0.0% |
| Texana Bank | $1,525,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $955,000 | $1,515,000 | 58.6% | 0.0% |
| Bank of England | $5,165,000 | $1,515,000 | -70.7% | 0.0% |
| PREMIA MORTGAGE, LLC | $1,560,000 | $1,510,000 | -3.2% | 0.0% |
| HOMESTEAD FUNDING CORP. | $2,240,000 | $1,480,000 | -33.9% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,040,000 | $1,430,000 | -29.9% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $1,165,000 | $1,395,000 | 19.7% | 0.0% |
| GREENWOOD | $1,285,000 | $1,395,000 | 8.6% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $155,000 | $1,370,000 | 783.9% | 0.0% |
| BM Real Estate Services, Inc. | $1,360,000 | n/a | 0.0% | |
| NESC | $1,100,000 | $1,345,000 | 22.3% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $2,190,000 | $1,335,000 | -39.0% | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | $865,000 | $1,325,000 | 53.2% | 0.0% |
| General Mortgage Capital Corporation | $1,315,000 | n/a | 0.0% | |
| PROPONENT Federal Credit Union | $1,300,000 | n/a | 0.0% | |
| Republic State Mortgage Co. | $1,920,000 | $1,275,000 | -33.6% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,505,000 | $1,275,000 | -15.3% | 0.0% |
| North American Savings Bank, F.S.B. | $925,000 | $1,250,000 | 35.1% | 0.0% |
| CIBM Bank | $1,240,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $500,000 | $1,230,000 | 146.0% | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | $1,365,000 | $1,225,000 | -10.3% | 0.0% |
| Raymond James Bank | $2,570,000 | $1,205,000 | -53.1% | 0.0% |
| RBC Bank, (Georgia) | $730,000 | $1,205,000 | 65.1% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $455,000 | $1,190,000 | 161.5% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $245,000 | $1,170,000 | 377.6% | 0.0% |
| Quontic Bank | $515,000 | $1,150,000 | 123.3% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $915,000 | $1,125,000 | 23.0% | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,065,000 | n/a | 0.0% | |
| Commerce Bank | $155,000 | $1,055,000 | 580.6% | 0.0% |
| Ameris Bank | $725,000 | $1,050,000 | 44.8% | 0.0% |
| East Cambridge Savings Bank | $4,045,000 | $1,045,000 | -74.2% | 0.0% |
| The Cape Cod Five Cents Savings Bank | $365,000 | $1,040,000 | 184.9% | 0.0% |
| Dollar Bank, Federal Savings Bank | $1,005,000 | n/a | 0.0% | |
| RIVER WORKS | $420,000 | $1,005,000 | 139.3% | 0.0% |
| CHEVRON | $980,000 | n/a | 0.0% | |
| KeyBank | $635,000 | $960,000 | 51.2% | 0.0% |
| BOSTON FIREFIGHTERS | $275,000 | $935,000 | 240.0% | 0.0% |
| BOKF | $620,000 | $930,000 | 50.0% | 0.0% |
| Dedham Institution for Savings | $1,205,000 | $910,000 | -24.5% | 0.0% |
| Winchester Savings Bank | $7,900,000 | $900,000 | -88.6% | 0.0% |
| DAS Acquisition Company, LLC | $485,000 | $880,000 | 81.4% | 0.0% |
| Toyota Financial Savings Bank | $2,770,000 | $880,000 | -68.2% | 0.0% |
| Armed Forces Bank | $1,720,000 | $870,000 | -49.4% | 0.0% |
| EVERGREEN | $825,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $1,005,000 | $825,000 | -17.9% | 0.0% |
| TOGETHER CREDIT UNION | $1,440,000 | $825,000 | -42.7% | 0.0% |
| Fifth Third Bank | $2,005,000 | $810,000 | -59.6% | 0.0% |
| Everett Co-operative Bank | $7,960,000 | $800,000 | -89.9% | 0.0% |
| UNITED MORTGAGE CORP | $795,000 | n/a | 0.0% | |
| Cornerstone Bank | $1,505,000 | $790,000 | -47.5% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $720,000 | $790,000 | 9.7% | 0.0% |
| NEXERA HOLDING LLC | $435,000 | $755,000 | 73.6% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $1,620,000 | $750,000 | -53.7% | 0.0% |
| GREENSTATE CREDIT UNION | $715,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $225,000 | $710,000 | 215.6% | 0.0% |
| Rollstone Bank & Trust | $710,000 | n/a | 0.0% | |
| NBH Bank | $705,000 | n/a | 0.0% | |
| Athol Savings Bank | $1,265,000 | $700,000 | -44.7% | 0.0% |
| Cornerstone National Bank & Trust Company | $695,000 | n/a | 0.0% | |
| ITHINK FINANCIAL Credit Union | $695,000 | n/a | 0.0% | |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | $105,000 | $690,000 | 557.1% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $455,000 | $685,000 | 50.5% | 0.0% |
| Signature Federal Credit Union | $615,000 | $675,000 | 9.8% | 0.0% |
| Devon Bank | $670,000 | n/a | 0.0% | |
| Secured Investment Corp. | $670,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $990,000 | $665,000 | -32.8% | 0.0% |
| Brighton Bank | $655,000 | n/a | 0.0% | |
| Axos Bank | $145,000 | $635,000 | 337.9% | 0.0% |
| NASA Federal Credit Union | $630,000 | n/a | 0.0% | |
| ROCKLAND | $2,970,000 | $630,000 | -78.8% | 0.0% |
| Academy Bank | $565,000 | $625,000 | 10.6% | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | $600,000 | n/a | 0.0% | |
| Capital Bank | $595,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $25,000 | $590,000 | 2,260.0% | 0.0% |
| FIRST TECHNOLOGY | $595,000 | $565,000 | -5.0% | 0.0% |
| The Washington Trust Company, of Westerly | $3,025,000 | $565,000 | -81.3% | 0.0% |
| BARTLETT MORTGAGE, INC. | $540,000 | n/a | 0.0% | |
| The Bank of Canton | $710,000 | $540,000 | -23.9% | 0.0% |
| LIBERTY BAY CREDIT UNION | $1,265,000 | $530,000 | -58.1% | 0.0% |
| Clinton Savings Bank | $515,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $410,000 | $510,000 | 24.4% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $155,000 | $500,000 | 222.6% | 0.0% |
| Stoughton Co-Operative Bank | $365,000 | $485,000 | 32.9% | 0.0% |
| Deseret First Credit Union | $475,000 | n/a | 0.0% | |
| ST. JEAN'S Credit Union | $350,000 | $470,000 | 34.3% | 0.0% |
| CUSO MORTGAGE CORPORATION | $465,000 | n/a | 0.0% | |
| Great Southern Bank | $465,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $820,000 | $455,000 | -44.5% | 0.0% |
| First State Bank of St. Charles, Missouri | $450,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $185,000 | $450,000 | 143.2% | 0.0% |
| HARTFORD FUNDING, LTD. | $435,000 | n/a | 0.0% | |
| Performance Financial, Inc. | $435,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $425,000 | n/a | 0.0% | |
| NATION ONE MORTGAGE CORPORATION | $415,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $410,000 | n/a | 0.0% | |
| Tewksbury Federal Credit Union | $595,000 | $410,000 | -31.1% | 0.0% |
| CIBC Bank USA | $405,000 | n/a | 0.0% | |
| Middlesex Savings Bank | $405,000 | n/a | 0.0% | |
| Quad City Bank and Trust Company | $405,000 | n/a | 0.0% | |
| Members Plus Credit Union | $1,365,000 | $400,000 | -70.7% | 0.0% |
| MID-ISLAND MORTGAGE CORP. | $1,620,000 | $400,000 | -75.3% | 0.0% |
| NORTH COUNTRY | $1,110,000 | $400,000 | -64.0% | 0.0% |
| TRADEMARK | $400,000 | n/a | 0.0% | |
| First Central Savings Bank | $395,000 | n/a | 0.0% | |
| Royal Credit Union | $525,000 | $395,000 | -24.8% | 0.0% |
| US MORTGAGE CORPORATION | $335,000 | $385,000 | 14.9% | 0.0% |
| Adams Community Bank | $365,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $700,000 | $355,000 | -49.3% | 0.0% |
| Assurance Financial Group, L.L.C. | $355,000 | n/a | 0.0% | |
| Cf Bank | $345,000 | n/a | 0.0% | |
| NORTHERN MORTGAGE SERVICES, LLC | $345,000 | n/a | 0.0% | |
| RCN Capital, LLC | $1,390,000 | $335,000 | -75.9% | 0.0% |
| MidFirst Bank | $325,000 | n/a | 0.0% | |
| UTILITIES EMPLOYEES CREDIT UNION | $325,000 | n/a | 0.0% | |
| IC Federal Credit Union | $315,000 | n/a | 0.0% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $345,000 | $305,000 | -11.6% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $545,000 | $275,000 | -49.5% | 0.0% |
| POLISH NATIONAL | $275,000 | n/a | 0.0% | |
| TOWER | $1,160,000 | $270,000 | -76.7% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $910,000 | $260,000 | -71.4% | 0.0% |
| STANFORD Federal Credit Union | $255,000 | n/a | 0.0% | |
| The Northern Trust Company | $2,380,000 | $255,000 | -89.3% | 0.0% |
| Clearview Federal Credit Union | $505,000 | $250,000 | -50.5% | 0.0% |
| Meridian Bank Corporation | $235,000 | n/a | 0.0% | |
| Androscoggin Savings Bank | $230,000 | n/a | 0.0% | |
| The People's Credit Union | $885,000 | $230,000 | -74.0% | 0.0% |
| First American Bank | $35,000 | $225,000 | 542.9% | 0.0% |
| MASSMUTUAL | $55,000 | $225,000 | 309.1% | 0.0% |
| Webster Five Cents Savings Bank | $525,000 | $225,000 | -57.1% | 0.0% |
| MEMBER ADVANTAGE MORTGAGE, LLC | $205,000 | n/a | 0.0% | |
| First Financial Bank | $185,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $165,000 | n/a | 0.0% | |
| COMMUNITY FIRST CREDIT UNION OF FLO | $145,000 | n/a | 0.0% | |
| Ixonia Bank | $670,000 | $145,000 | -78.4% | 0.0% |
| MASS BAY Credit Union | $940,000 | $140,000 | -85.1% | 0.0% |
| Valley National Bank | $135,000 | n/a | 0.0% | |
| PAWTUCKET | $890,000 | $125,000 | -86.0% | 0.0% |
| SUMMIT FUNDING, INC. | $660,000 | $115,000 | -82.6% | 0.0% |
| FINEX CREDIT UNION | $105,000 | n/a | 0.0% | |
| S1L, Inc. | $265,000 | $105,000 | -60.4% | 0.0% |
| City of Boston Credit Union | $85,000 | n/a | 0.0% | |
| AFFINITY | $125,000 | $70,000 | -44.0% | 0.0% |
| MORTGAGE MARKETS CUSO, LLC | $65,000 | n/a | 0.0% | |
| ALTRA | $255,000 | $35,000 | -86.3% | 0.0% |
| ATLANTA POSTAL | $25,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $25,000 | n/a | 0.0% |
New Hampshire's top lender by overall market share is CMG MORTGAGE, INC., with 7.9% market share. In second place, with 6.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $590,790,000 in loans. In third place, with 5.2%, is Citizens Bank, having originated $503,250,000 in loans. In fourth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $426,910,000 in loans. In fifth place, with 3.1%, is EMM LOANS LLC, having originated $302,950,000 in loans.
New Hampshire Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 14,153 | $6,088,095,000 | $430,163 |
| Home Improvement | 4,257 | $677,585,000 | $159,170 |
| Cash Out Refi | 4,077 | $1,091,235,000 | $267,656 |
| Other | 4,005 | $558,385,000 | $139,422 |
| Refi | 3,569 | $1,225,885,000 | $343,481 |
New Hampshire's most frequently cited loan purpose was Home Purchase, with 14,153 originations. The 2nd most popular reason was Home Improvement, with 4,257 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 11,656 | $4,328,760,000 | $371,376 |
| Over 8% | 7,447 | $1,277,605,000 | $171,560 |
| 7-8% | 6,859 | $2,291,775,000 | $334,127 |
| 5-6% | 2,897 | $1,299,545,000 | $448,583 |
| 4-5% | 199 | $69,715,000 | $350,327 |
| <2.5% | 88 | $3,580,000 | $40,682 |
| 3-4% | 38 | $10,290,000 | $270,789 |
| 2.5-3% | 13 | $3,555,000 | $273,462 |
During 2024, New Hampshire's most frequently originated rate bucket was 6-7%, with 11,656 originations.
Loan Sizing (New Hampshire MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 10,398 | $3,076,050,000 | $295,831 |
| $400k-600k | 5,832 | $2,799,900,000 | $480,093 |
| $100,000 or less | 5,699 | $322,825,000 | $56,646 |
| $100k-200k | 5,670 | $791,520,000 | $139,598 |
| $600k-1000k | 2,005 | $1,423,735,000 | $710,092 |
| $Over $1MM | 457 | $1,227,155,000 | $2,685,241 |
New Hampshire's loan sizing saw the bucket of loans from $200k-400k with 10,398 originations, totaling $3,076,050,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 7,892 | $3,419,630,000 | $433,303 |
| 60-80% | 6,508 | $2,948,540,000 | $453,064 |
| Under 20% | 5,966 | $461,510,000 | $77,357 |
| 20-40% | 5,030 | $1,014,690,000 | $201,728 |
| 40-60% | 3,342 | $1,143,620,000 | $342,196 |
| Over 100% | 238 | $165,190,000 | $694,076 |
New Hampshire's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 7,892 originations, totaling $3,419,630,000 in origination value.