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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 FHA 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 | Sound | Exceptional | Exceptional | Exceptional | $2,789 | +0.246% | 1,219 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,805 | +0.438% | 114 | |
3 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,539 | +0.178% | 81 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,973 | +0.361% | 72 | |
5 | EMM LOANS LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,248 | +0.412% | 731 | |
6 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,560 | +0.291% | 162 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,261 | -0.094% | 111 | |
8 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,115 | +0.397% | 91 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,553 | +0.303% | 1,127 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,905 | +0.391% | 490 | |
11 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,402 | +0.208% | 328 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,480 | +0.236% | 282 | |
13 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,464 | +0.118% | 189 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,041 | +0.378% | 1,819 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,853 | +0.321% | 618 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,278 | +0.347% | 414 | |
17 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,015 | +0.310% | 171 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,600 | +0.273% | 104 | |
19 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,198 | +0.462% | 82 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,743 | +0.192% | 323 | |
21 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Exceptional | Strong | $2,234 | +0.343% | 78 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,063 | +0.430% | 539 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,349 | +0.578% | 249 | |
24 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,902 | +0.470% | 171 | |
25 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $3,845 | +0.473% | 156 | |
26 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,707 | +0.546% | 79 | |
27 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,837 | +0.564% | 69 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,494 | +0.080% | 67 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,257 | +0.267% | 59 | |
30 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,937 | +0.200% | 57 | |
31 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,353 | +0.322% | 56 | |
32 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,032 | +0.441% | 156 | |
33 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,358 | +0.527% | 142 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,291 | +0.311% | 132 | |
35 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $5,109 | +0.715% | 56 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $1,634 | +0.399% | 130 | |
37 | MORTGAGE EQUITY PARTNERS LLC | Sound | Mediocre | Strong | Strong | Strong | $2,962 | +0.481% | 89 |
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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