Top Mortgage Lenders in Lincoln, NH

Which mortgage lender in the Lincoln, NH area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Lincoln, NH area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Lincoln, NH area in terms of interest rate is Northfield Savings Bank, with an average “Rate Difference” of -0.24%. This means that, comparing similar borrowers, Northfield Savings Bank provided a -0.24% lower interest rate for its customers than other lenders in the area. Northfield Savings Bank has a market share of 9.8%. On the other hand, the most popular lender in the Lincoln, NH area is Quicken Loans, with a larger market share of 17.0%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.18% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Lincoln, NH area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Lincoln, NH is Northfield Savings Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is JPMorgan Chase Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Union Bank in Morrisville VT. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Lincoln, NH

* Data is compiled for the Lincoln, NH commuting zone area, which comprises of counties of Grafton County, NH, Sullivan County, NH, Orange County, VT, Washington County, VT, and Windsor County, VT. This includes cities/towns/communities of Lincoln, NH as well as Barre, VT, Lebanon, NH, Claremont, NH, Ludlow, VT, Montpelier, VT, Waterbury, VT, Northfield, VT, East Barre, VT, Bristol, NH, Springfield, VT, Ashland, NH, South Barre, VT, Bethlehem, NH, Plymouth, NH, Chester, VT, Quechee, VT, Littleton, NH, Williamstown, VT, Newport, NH, Randolph, VT, Enfield, NH, Lisbon, NH, North Woodstock, NH, Plainfield, VT, Worcester, VT, Waitsfield, VT, Woodstock, VT, White River Junction, VT, Charlestown, NH, Plainfield, NH, Bethel, VT, Hartland, VT, Canaan, NH, East Montpelier, VT, Ascutney, VT, Hanover, NH, Windsor, VT, Norwich, VT, Woodsville, NH, South Royalton, VT, Proctorsville, VT, Bradford, VT, Wells River, VT, Fairlee, VT, and Rochester, VT. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

This page contains information about the top mortgage lenders in the Lincoln, NH area. For mortgage lender rankings in other cities, click here.