Safe Rate Rankings

Best Mortgage Lenders in New Hampshire

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders135

Total Loans14,943

Median Rate Spread0.22%

New Hampshire Market Insights

Leader Bank National Association is Safe Rate's top-ranked lender in New Hampshire, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in New Hampshire: Bank: Leader Bank National Association (#1). Credit union: Navy Federal Credit Union (#4). Mortgage company: United Wholesale Mortgage (#3).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In New Hampshire, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in New Hampshire, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in New Hampshire: Rocket Mortgage (#5) and Cmg Mortgage (#6).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Leader Bank, National Association BankDirect	Strong	Exceptional	Strong	Strong	$864Fees	0.001%Below	145
2	Bangor Savings Bank BankDirect	Strong	Exceptional	Strong	Strong	$1,249Fees	0.051%Below	110
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$2,789Fees	0.246%Above	1,219
4	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$510Fees	0.484%Below	129
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,553Fees	0.303%Above	1,127
6	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,041Fees	0.378%Above	1,819
7	NBT Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	$909Fees	0.038%Above	40
8	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	$370Fees	0.408%Below	37
9	HARBORONE MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$2,402Fees	0.208%Above	328
10	Service Federal Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Exceptional	$628Fees	0.418%Below	165
11	Bank of America, National Association BankDirect	Strong	Strong	Strong	Strong	$1,072Fees	0.145%Below	86
12	NBKC BANK BankDirect	Strong	Exceptional	Sound	Sound	$309Fees	0.261%Below	47
13	Institution for Savings in Newburyport and Its Vicinity BankDirect	Strong	Exceptional	Sound	Strong	$1,051Fees	0.265%Below	44
14	St. Mary's Bank Credit Union Credit UnionDirect	Strong	Sound	Sound	Exceptional	$1,243Fees	0.146%Above	249
15	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$1,464Fees	0.118%Above	189
16	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	$1,560Fees	0.291%Above	162
17	Union Bank BankDirect	Strong	Sound	Strong	Strong	$1,347Fees	0.504%Above	106
18	Manufacturers and Traders Trust Company BankDirect	Strong	Strong	Strong	Strong	$1,539Fees	0.178%Above	81
19	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Exceptional	$2,248Fees	0.412%Above	731
20	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,480Fees	0.236%Above	282
21	Mascoma Bank BankDirect	Strong	Sound	Strong	Strong	$905Fees	0.324%Above	118
22	JEANNE D'ARC Credit Union Credit UnionDirect	Strong	Strong	Strong	Strong	$1,051Fees	0.109%Below	53
23	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Sound	$720Fees	0.009%Above	43
24	RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect	Strong	—	Exceptional	Sound	—	—	42
25	MERRIMACK VALLEY Credit UnionDirect	Strong	Exceptional	Sound	Strong	$205Fees	0.136%Below	39
26	NORTHEAST HOME LOAN, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Strong	Strong	$3,011Fees	0.545%Above	44
27	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,853Fees	0.321%Above	618
28	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,278Fees	0.347%Above	414
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,905Fees	0.391%Above	490
30	Meredith Village Savings Bank BankDirect	Strong	Sound	Sound	Exceptional	$1,339Fees	0.526%Above	214
31	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$1,743Fees	0.192%Above	323
32	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	$1,973Fees	0.361%Above	72
33	NORTHPOINT MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$3,015Fees	0.310%Above	171
34	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,805Fees	0.438%Above	114
35	AMERANT MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,115Fees	0.397%Above	91
36	Merrimack County Savings Bank BankDirect	Strong	Sound	Sound	Exceptional	$1,217Fees	0.413%Above	141
37	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,261Fees	0.094%Below	111
38	SALEM FIVE MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$1,488Fees	0.131%Above	97
39	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,510Fees	0.239%Above	97
40	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$3,063Fees	0.430%Above	539
41	DIGITAL Credit UnionDirect	Strong	Exceptional	Acceptable	Strong	$1,073Fees	0.046%Below	112
42	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Sound	$2,656Fees	0.279%Above	57
43	MSA MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	—	Strong	Sound	$1,445Fees	0.177%Below	32
44	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,349Fees	0.578%Above	249
45	NORTHEAST CREDIT UNION Credit UnionDirect	Sound	Sound	Sound	Exceptional	$819Fees	0.312%Above	147
46	Bar Harbor Bank & Trust BankDirect	Sound	Sound	Sound	Strong	$1,407Fees	0.379%Above	107
47	TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	$2,902Fees	0.470%Above	171
48	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$2,600Fees	0.273%Above	104
49	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Sound	Strong	$1,494Fees	0.080%Above	67
50	Enterprise Bank and Trust Company BankDirect	Sound	Strong	Acceptable	Strong	$1,010Fees	0.127%Below	50

❓ Frequently Asked Questions

How are mortgage lenders ranked in New Hampshire?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in New Hampshire), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in New Hampshire?+

Based on 2024 HMDA data, 135 lenders originated a combined 14,943 loans in New Hampshire. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in New Hampshire?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in New Hampshire is 0.22%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In New Hampshire's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.