Best mortgage lenders in New Hampshire
No lender is best for everyone, so this page ranks New Hampshire lenders on what federal records can measure: who makes the most loans here, who leads for FHA and VA, and what their New Hampshire borrowers paid. All figures are 2025 HMDA data; no lender pays to be listed.
Who leads for what in New Hampshire
"Most loans" and "Largest average loan" are among the 15 lenders with the most New Hampshire originations in 2025 (the latter counts lenders with at least 300 loans in the state); FHA and VA leaders count every lender's home-purchase loans.
The 15 lenders that made the most home loans in New Hampshire
| # | Lender | Type | Loans | FHA | VA | Avg loan | Approval* |
|---|---|---|---|---|---|---|---|
| 1 | Citizens | Bank | 3,194 | 0.2% | 0.1% | $241,850 | 72.6% |
| 2 | CMG Home Loans | Nonbank lender | 2,466 | 10.0% | 7.3% | $385,791 | 96.6% |
| 3 | Rocket Mortgage | Nonbank lender | 2,297 | 11.2% | 6.1% | $278,709 | 81.4% |
| 4 | United Wholesale Mortgage | Nonbank lender | 1,967 | 14.0% | 12.8% | $403,521 | 90.0% |
| 5 | Service Federal Credit Union | — | 1,321 | 0.0% | 0.8% | $192,570 | 69.3% |
| 6 | TD Bank | Bank | 997 | 0.1% | 0.0% | $230,888 | 71.0% |
| 7 | St. Mary's Bank Credit Union | — | 967 | 0.0% | 0.0% | $234,483 | 75.1% |
| 8 | Emm Loans LLC | — | 806 | 10.7% | 7.7% | $427,332 | 98.5% |
| 9 | Fairway Independent Mortgage | Nonbank lender | 707 | 13.7% | 7.4% | $366,754 | 92.5% |
| 10 | Guild Mortgage | Nonbank lender | 688 | 13.4% | 5.8% | $374,128 | 92.8% |
| 11 | CrossCountry Mortgage | Nonbank lender | 678 | 14.3% | 5.6% | $413,894 | 95.2% |
| 12 | Lighthouse Federal Credit Union | — | 676 | 0.0% | 0.0% | $143,033 | 60.0% |
| 13 | Digital | — | 651 | 0.0% | 0.0% | $222,696 | 74.0% |
| 14 | loanDepot | Nonbank lender | 635 | 13.9% | 5.2% | $325,158 | 82.3% |
| 15 | Meredith Village Savings Bank | — | 620 | 0.0% | 0.0% | $313,661 | 83.8% |
Source: 2025 HMDA originations, FFIEC/CFPB. FHA/VA = share of each lender's New Hampshire loans. *Approval = originated ÷ (originated + denied); it mirrors a lender's channel and borrower mix, not how hard it is to qualify.
Also among the 25 lenders with the most HMDA filings here: PennyMac, Chase, Bank of America, Newrez, Freedom Mortgage, Veterans United, Guaranteed Rate (Rate), Figure Lending LLC, Mr. Cooper, Spring Eq, LLC.
FHA lenders in New Hampshire
1,301 FHA home-purchase loans were made in New Hampshire in 2025 by 121 lenders. The typical FHA buyer here paid $11,840 in loan costs, including the 1.75% upfront mortgage insurance premium, at a median rate of 6.499%. The ten lenders that made the most:
| # | Lender | FHA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | CMG Home Loans | 200 | 15.4% | $10,700 | +0.59 |
| 2 | United Wholesale Mortgage | 140 | 10.8% | $12,595 | +0.45 |
| 3 | Fairway Independent Mortgage | 82 | 6.3% | $11,044 | +0.73 |
| 4 | Emm Loans LLC | 75 | 5.8% | $12,556 | +0.51 |
| 5 | Guild Mortgage | 68 | 5.2% | $11,397 | +0.64 |
| 6 | CrossCountry Mortgage | 63 | 4.8% | $12,913 | +0.58 |
| 7 | Rocket Mortgage | 59 | 4.5% | $12,360 | +0.56 |
| 8 | Total Mortgage Services, LLC | 36 | 2.8% | $13,387 | +0.81 |
| 9 | Movement Mortgage | 30 | 2.3% | — | — |
| 10 | New American Funding | 29 | 2.2% | — | — |
| All New Hampshire FHA buyers | 1,301 | 100% | $11,840 | +0.60 |
Among them, CMG Home Loans had the lowest median loan costs ($10,700) and Total Mortgage Services, LLC the highest ($13,387) — $2,687 apart on similar loans, which is why a second Loan Estimate is worth getting.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien FHA home purchases in New Hampshire. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. Our method and its limits.
VA lenders in New Hampshire
1,082 VA home-purchase loans were made in New Hampshire in 2025 by 94 lenders. The typical VA buyer here paid $5,727 in loan costs (including the VA funding fee for borrowers who owe it) at a median rate of 6.25%. The ten lenders that made the most:
| # | Lender | VA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Veterans United | 262 | 24.2% | $6,528 | −0.25 |
| 2 | CMG Home Loans | 137 | 12.7% | $6,472 | −0.29 |
| 3 | United Wholesale Mortgage | 71 | 6.6% | $5,919 | −0.21 |
| 4 | Navy Federal Credit Union | 57 | 5.3% | $3,220 | −0.59 |
| 5 | Emm Loans LLC | 56 | 5.2% | $4,812 | −0.14 |
| 6 | Fairway Independent Mortgage | 40 | 3.7% | $4,651 | +0.02 |
| 7 | Guild Mortgage | 30 | 2.8% | — | — |
| 8 | USAA | 28 | 2.6% | — | — |
| 9 | Rocket Mortgage | 23 | 2.1% | — | — |
| 10 | CrossCountry Mortgage | 21 | 1.9% | — | — |
| All New Hampshire VA buyers | 1,082 | 100% | $5,727 | −0.29 |
Among them, Navy Federal Credit Union had the lowest median loan costs ($3,220) and Veterans United the highest ($6,528) — $3,308 apart, though VA costs also depend on how many of a lender's borrowers are exempt from the funding fee.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien VA home purchases in New Hampshire. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. Data notes and limits.
How concentrated is the New Hampshire market?
550 institutions reported New Hampshire home-loan records for 2025 — the 11th-fewest of any state. The single most active lender accounts for 8.0% of all records and the top five for 26.7%, the 11th-most concentrated market of 51. With volume spread across many lenders, there is plenty of room to shop beyond the biggest names.
How to choose a lender in New Hampshire
New Hampshire borrowers took FHA loans 7.3% of the time and VA loans 6.0% (U.S. 13.2% and 8.2%). Buying near $832,750 or above? 2 New Hampshire counties have a higher conforming limit, so check which side of the jumbo line your county puts you on before comparing quotes.
Get Loan Estimates from three or more lenders in the same two-week window (one credit inquiry) and compare APRs. For down-payment help, ask whether they are approved for NH Housing's Home Flex Plus / Home Preferred Plus with Cash Assistance — only participating lenders can offer them (terms and sources).
New Hampshire lender FAQ
Who is the biggest mortgage lender in New Hampshire?
By 2025 federal HMDA data, Citizens originated the most home loans in New Hampshire — about 3,194, or 9.0% of the state's originations.
Which lender makes the most FHA loans in New Hampshire?
CMG Home Loans made the most FHA home-purchase loans in New Hampshire in 2025 — 200, or 15.4% of the 1,301 FHA purchases made by 121 lenders. United Wholesale Mortgage (140) was second.
Which lender makes the most VA loans in New Hampshire?
Veterans United made the most VA home-purchase loans in New Hampshire in 2025 (262, 24.2% of the state's VA purchases). VA loans were 6.0% of New Hampshire originations, the 15th-lowest VA share among the states.
How much are closing costs on an FHA loan in New Hampshire?
The typical New Hampshire FHA buyer in 2025 paid $11,840 in total loan costs on a median $385,000 loan — lender fees, required third-party services and the 1.75% upfront mortgage insurance premium, per the Closing Disclosure.
That figure excludes recording taxes, prepaid interest and insurance, escrow deposits and the down payment.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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