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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 Conventional 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 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $864 | -0.001% | 145 | |
2 | Bangor Savings Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,249 | -0.051% | 110 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $510 | -0.484% | 129 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,072 | -0.145% | 86 | |
5 | NORTHEAST HOME LOAN, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $3,011 | +0.545% | 44 | |
6 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | Sound | $909 | +0.038% | 40 | |
7 | HARBORONE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,402 | +0.208% | 328 | |
8 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,464 | +0.118% | 189 | |
9 | Service Federal Credit Union | Exceptional | Exceptional | Sound | Acceptable | Exceptional | $628 | -0.418% | 165 | |
10 | DIGITAL | Exceptional | Exceptional | Strong | Acceptable | Strong | $1,073 | -0.046% | 112 | |
11 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $309 | -0.261% | 47 | |
12 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Sound | Sound | Strong | $1,051 | -0.265% | 44 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $720 | +0.009% | 43 | |
14 | MERRIMACK VALLEY | Exceptional | Exceptional | Sound | Sound | Strong | $205 | -0.136% | 39 | |
15 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $370 | -0.408% | 37 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,789 | +0.246% | 1,219 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,553 | +0.303% | 1,127 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,480 | +0.236% | 282 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,510 | +0.239% | 97 | |
20 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,539 | +0.178% | 81 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,973 | +0.361% | 72 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,494 | +0.080% | 67 | |
23 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,656 | +0.279% | 57 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,041 | +0.378% | 1,819 | |
25 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,248 | +0.412% | 731 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,853 | +0.321% | 618 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,063 | +0.430% | 539 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,905 | +0.391% | 490 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,278 | +0.347% | 414 | |
30 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,261 | -0.094% | 111 | |
31 | Union Bank | Strong | Sound | Strong | Strong | Strong | $1,347 | +0.504% | 106 | |
32 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,937 | +0.200% | 57 | |
33 | JEANNE D'ARC Credit Union | Strong | Strong | Sound | Sound | Strong | $1,051 | -0.109% | 53 | |
34 | Enterprise Bank and Trust Company | Strong | Strong | Sound | Sound | Strong | $1,010 | -0.127% | 50 | |
35 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,743 | +0.192% | 323 | |
36 | St. Mary's Bank Credit Union | Strong | Sound | Sound | Sound | Exceptional | $1,243 | +0.146% | 249 | |
37 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,902 | +0.470% | 171 | |
38 | NORTHEAST CREDIT UNION | Strong | Sound | Sound | Sound | Exceptional | $819 | +0.312% | 147 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,291 | +0.311% | 132 | |
40 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,805 | +0.438% | 114 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,600 | +0.273% | 104 | |
42 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $875 | +0.339% | 98 | |
43 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $1,115 | +0.397% | 91 | |
44 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,015 | +0.310% | 171 | |
45 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,560 | +0.291% | 162 | |
46 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,634 | +0.399% | 130 | |
47 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,488 | +0.131% | 97 | |
48 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,198 | +0.462% | 82 | |
49 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Strong | Strong | $2,234 | +0.343% | 78 | |
50 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Strong | $2,687 | +0.328% | 61 |
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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