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. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We 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, 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 (for example, above $548,250 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

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Northfield Savings Bank-0.24%(4.5)9.84%
New England Federal Credit Union-0.14%(4.0)2.81%
Bar Harbor Bank & Trust-0.12%(4.0)4.26%
Service Credit Union-0.11%(4.0)1.90%
Bank of America-0.08%(4.0)1.67%
emmloans-0.07%(4.0)3.38%
Northeast Home Loan-0.07%(4.0)2.74%
JPMorgan Chase Bank-0.04%(3.5)1.75%
CMG Financial-0.03%(3.5)1.60%
VSECU-0.03%(3.5)9.24%
TD Bank-0.02%(3.5)1.18%
Navy Federal Credit Union-0.02%(3.5)1.33%
Bank of New Hampshire-0.02%(3.5)2.96%
Union Bank in Morrisville VT-0.02%(3.5)4.10%
Residential Mortgage Services-0.01%(3.5)3.50%
Wells Fargo Bank-0.00%(3.5)1.71%
loanDepot-0.00%(3.5)1.37%
MSA Mortgage-0.00%(3.5)3.57%
People’s United Bank0.01%(3.5)1.79%
HarborOne Mortgage0.01%(3.5)4.64%
USAA0.02%(3.5)2.55%
PrimeLending0.04%(3.5)2.32%
HomeBridge Financial Services0.05%(3.0)1.48%
Fairway Independent Mortgage Corporation0.07%(3.0)2.05%
Meredith Village Savings Bank0.08%(3.0)2.96%
Academy Mortgage Corporation Utah0.10%(3.0)3.12%
First Federal Lakewood0.14%(3.0)1.44%
Quicken Loans0.18%(2.5)16.99%
NorthCountry Federal Credit Union0.21%(2.5)1.75%
Lender NameRate DifferenceRate RatingMarket Share
Northfield Savings Bank-0.24%(4.5)9.14%
Bar Harbor Bank & Trust-0.12%(4.0)3.27%
Service Credit Union-0.12%(4.0)2.26%
VSECU-0.11%(4.0)4.93%
New England Federal Credit Union-0.10%(4.0)2.73%
Bank of America-0.08%(4.0)2.20%
Northeast Home Loan-0.07%(4.0)3.15%
emmloans-0.06%(4.0)4.39%
TD Bank-0.03%(3.5)1.13%
JPMorgan Chase Bank-0.03%(3.5)1.84%
CMG Financial-0.02%(3.5)2.20%
Navy Federal Credit Union-0.02%(3.5)1.90%
Bank of New Hampshire-0.01%(3.5)4.16%
People’s United Bank-0.01%(3.5)2.02%
Wells Fargo Bank-0.00%(3.5)2.08%
Residential Mortgage Services-0.00%(3.5)4.81%
MSA Mortgage0.01%(3.5)4.81%
loanDepot0.01%(3.5)0.53%
USAA0.03%(3.5)3.44%
Union Bank in Morrisville VT0.04%(3.5)4.69%
HarborOne Mortgage0.05%(3.0)5.29%
PrimeLending0.06%(3.0)3.03%
HomeBridge Financial Services0.07%(3.0)1.84%
Fairway Independent Mortgage Corporation0.10%(3.0)2.55%
Academy Mortgage Corporation Utah0.12%(3.0)4.04%
Meredith Village Savings Bank0.12%(3.0)3.33%
First Federal Lakewood0.15%(3.0)2.26%
Quicken Loans0.18%(2.5)10.75%
NorthCountry Federal Credit Union0.20%(2.5)1.25%
Lender NameRate DifferenceRate RatingMarket Share
Northfield Savings Bank-0.24%(4.5)11.09%
New England Federal Credit Union-0.21%(4.5)2.96%
Union Bank in Morrisville VT-0.15%(4.5)3.06%
Bar Harbor Bank & Trust-0.14%(4.0)6.02%
emmloans-0.10%(4.0)1.58%
HarborOne Mortgage-0.09%(4.0)3.48%
Service Credit Union-0.09%(4.0)1.27%
JPMorgan Chase Bank-0.06%(4.0)1.58%
Northeast Home Loan-0.06%(4.0)2.01%
MSA Mortgage-0.03%(3.5)1.37%
Bank of New Hampshire-0.03%(3.5)0.84%
loanDepot-0.02%(3.5)2.85%
Navy Federal Credit Union-0.02%(3.5)0.32%
USAA-0.02%(3.5)0.95%
Bank of America-0.02%(3.5)0.74%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.16%
TD Bank-0.02%(3.5)1.27%
PrimeLending-0.02%(3.5)1.06%
Meredith Village Savings Bank-0.02%(3.5)2.32%
Residential Mortgage Services-0.01%(3.5)1.16%
CMG Financial-0.01%(3.5)0.53%
HomeBridge Financial Services-0.01%(3.5)0.84%
Wells Fargo Bank0.00%(3.5)1.06%
VSECU0.00%(3.5)16.90%
Academy Mortgage Corporation Utah0.03%(3.5)1.48%
People’s United Bank0.06%(3.0)1.37%
Quicken Loans0.17%(2.5)28.09%
NorthCountry Federal Credit Union0.21%(2.5)2.64%
Lender NameRate DifferenceRate RatingMarket Share
Northfield Savings Bank-0.24%(4.5)11.56%
New England Federal Credit Union-0.14%(4.0)3.29%
Bar Harbor Bank & Trust-0.14%(4.0)4.62%
Service Credit Union-0.12%(4.0)2.19%
Bank of America-0.09%(4.0)1.74%
emmloans-0.08%(4.0)3.29%
Northeast Home Loan-0.07%(4.0)3.20%
CMG Financial-0.05%(4.0)1.19%
JPMorgan Chase Bank-0.04%(3.5)1.78%
Bank of New Hampshire-0.03%(3.5)3.06%
VSECU-0.02%(3.5)11.11%
TD Bank-0.02%(3.5)1.28%
Residential Mortgage Services-0.01%(3.5)2.70%
Union Bank in Morrisville VT-0.01%(3.5)4.34%
loanDepot-0.01%(3.5)1.10%
Wells Fargo Bank-0.00%(3.5)1.83%
MSA Mortgage0.00%(3.5)4.25%
HarborOne Mortgage0.00%(3.5)3.75%
People’s United Bank0.02%(3.5)1.65%
USAA0.04%(3.5)1.23%
PrimeLending0.05%(3.0)2.38%
Navy Federal Credit Union0.07%(3.0)0.73%
HomeBridge Financial Services0.08%(3.0)1.23%
Meredith Village Savings Bank0.08%(3.0)3.52%
Fairway Independent Mortgage Corporation0.09%(3.0)1.65%
Academy Mortgage Corporation Utah0.11%(3.0)2.01%
First Federal Lakewood0.15%(2.5)1.55%
NorthCountry Federal Credit Union0.21%(2.5)2.10%
Quicken Loans0.23%(2.5)15.68%
Lender NameRate DifferenceRate RatingMarket Share
Northfield Savings Bank-0.25%(4.5)11.11%
Bar Harbor Bank & Trust-0.13%(4.0)3.80%
Service Credit Union-0.12%(4.0)2.76%
VSECU-0.10%(4.0)6.19%
New England Federal Credit Union-0.09%(4.0)3.36%
Bank of America-0.09%(4.0)2.46%
Northeast Home Loan-0.07%(4.0)3.80%
emmloans-0.06%(4.0)4.40%
CMG Financial-0.05%(4.0)1.64%
JPMorgan Chase Bank-0.03%(3.5)1.86%
TD Bank-0.03%(3.5)1.27%
Bank of New Hampshire-0.02%(3.5)4.40%
People’s United Bank-0.00%(3.5)1.86%
Residential Mortgage Services-0.00%(3.5)3.65%
Wells Fargo Bank0.00%(3.5)2.39%
MSA Mortgage0.02%(3.5)5.97%
loanDepot0.02%(3.5)0.60%
Union Bank in Morrisville VT0.06%(3.0)4.92%
HarborOne Mortgage0.06%(3.0)3.95%
USAA0.07%(3.0)1.49%
PrimeLending0.07%(3.0)3.21%
Navy Federal Credit Union0.09%(3.0)1.12%
HomeBridge Financial Services0.11%(3.0)1.49%
Meredith Village Savings Bank0.13%(3.0)4.10%
Academy Mortgage Corporation Utah0.14%(3.0)2.46%
Fairway Independent Mortgage Corporation0.14%(3.0)1.94%
First Federal Lakewood0.17%(2.5)2.54%
NorthCountry Federal Credit Union0.21%(2.5)1.57%
Quicken Loans0.25%(2.5)9.69%
Lender NameRate DifferenceRate RatingMarket Share
Northfield Savings Bank-0.24%(4.5)12.28%
New England Federal Credit Union-0.22%(4.5)3.19%
Bar Harbor Bank & Trust-0.15%(4.5)5.90%
Union Bank in Morrisville VT-0.15%(4.5)3.42%
emmloans-0.11%(4.0)1.53%
HarborOne Mortgage-0.10%(4.0)3.42%
Service Credit Union-0.09%(4.0)1.30%
JPMorgan Chase Bank-0.07%(4.0)1.65%
Northeast Home Loan-0.06%(4.0)2.24%
loanDepot-0.03%(3.5)1.89%
MSA Mortgage-0.03%(3.5)1.53%
Bank of New Hampshire-0.03%(3.5)0.94%
USAA-0.03%(3.5)0.83%
Bank of America-0.03%(3.5)0.59%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.18%
TD Bank-0.02%(3.5)1.30%
Navy Federal Credit Union-0.02%(3.5)0.12%
PrimeLending-0.02%(3.5)1.06%
Meredith Village Savings Bank-0.01%(3.5)2.60%
Residential Mortgage Services-0.01%(3.5)1.18%
CMG Financial-0.01%(3.5)0.47%
HomeBridge Financial Services-0.00%(3.5)0.83%
VSECU0.00%(3.5)18.89%
Wells Fargo Bank0.01%(3.5)0.94%
Academy Mortgage Corporation Utah0.04%(3.5)1.30%
People’s United Bank0.07%(3.0)1.30%
NorthCountry Federal Credit Union0.21%(2.5)2.95%
Quicken Loans0.21%(2.5)25.15%
Lender NameRate DifferenceRate RatingMarket Share
Union Bank in Morrisville VT-0.09%(4.0)3.33%
emmloans-0.07%(4.0)5.83%
People’s United Bank-0.03%(3.5)2.50%
Quicken Loans-0.02%(3.5)31.67%
PrimeLending-0.01%(3.5)2.08%
Residential Mortgage Services-0.01%(3.5)10.00%
HomeBridge Financial Services-0.01%(3.5)4.58%
First Federal Lakewood-0.01%(3.5)1.67%
Navy Federal Credit Union-0.01%(3.5)0.42%
loanDepot0.01%(3.5)1.25%
CMG Financial0.01%(3.5)5.00%
Fairway Independent Mortgage Corporation0.01%(3.5)5.42%
HarborOne Mortgage0.03%(3.5)11.25%
Bank of New Hampshire0.04%(3.5)2.08%
Academy Mortgage Corporation Utah0.08%(3.0)12.92%
Lender NameRate DifferenceRate RatingMarket Share
Union Bank in Morrisville VT-0.09%(4.0)4.08%
emmloans-0.08%(4.0)6.63%
Quicken Loans-0.03%(3.5)21.94%
People’s United Bank-0.03%(3.5)3.06%
PrimeLending-0.02%(3.5)2.04%
Residential Mortgage Services-0.02%(3.5)11.73%
HomeBridge Financial Services-0.01%(3.5)5.10%
First Federal Lakewood-0.01%(3.5)2.04%
Navy Federal Credit Union-0.01%(3.5)0.51%
CMG Financial0.01%(3.5)6.12%
Fairway Independent Mortgage Corporation0.01%(3.5)6.63%
HarborOne Mortgage0.03%(3.5)13.27%
Bank of New Hampshire0.04%(3.5)2.55%
Academy Mortgage Corporation Utah0.08%(3.0)14.29%
Lender NameRate DifferenceRate RatingMarket Share
HomeBridge Financial Services-0.03%(3.5)2.27%
emmloans-0.02%(3.5)2.27%
Quicken Loans-0.00%(3.5)75.00%
Residential Mortgage Services0.00%(3.5)2.27%
HarborOne Mortgage0.01%(3.5)2.27%
PrimeLending0.01%(3.5)2.27%
loanDepot0.01%(3.5)6.82%
Academy Mortgage Corporation Utah0.03%(3.5)6.82%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.02%(3.5)15.91%
Wells Fargo Bank-0.01%(3.5)9.09%
TD Bank-0.01%(3.5)6.82%
People’s United Bank-0.00%(3.5)6.82%
Service Credit Union-0.00%(3.5)2.27%
MSA Mortgage-0.00%(3.5)2.27%
Bar Harbor Bank & Trust0.00%(3.5)25.00%
Bank of America0.00%(3.5)9.09%
Meredith Village Savings Bank0.00%(3.5)2.27%
Fairway Independent Mortgage Corporation0.01%(3.5)4.55%
Quicken Loans0.01%(3.5)2.27%
Northfield Savings Bank0.02%(3.5)11.36%
Union Bank in Morrisville VT0.02%(3.5)2.27%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.02%(3.5)23.08%
Wells Fargo Bank-0.01%(3.5)7.69%
People’s United Bank-0.01%(3.5)3.85%
TD Bank-0.01%(3.5)7.69%
MSA Mortgage0.00%(3.5)3.85%
Bar Harbor Bank & Trust0.00%(3.5)15.38%
Bank of America0.00%(3.5)7.69%
Meredith Village Savings Bank0.01%(3.5)3.85%
Quicken Loans0.01%(3.5)3.85%
Fairway Independent Mortgage Corporation0.01%(3.5)3.85%
Union Bank in Morrisville VT0.02%(3.5)3.85%
Northfield Savings Bank0.02%(3.5)15.38%
Lender NameRate DifferenceRate RatingMarket Share
Service Credit Union-0.00%(3.5)5.56%
Wells Fargo Bank-0.00%(3.5)11.11%
People’s United Bank-0.00%(3.5)11.11%
Northfield Savings Bank-0.00%(3.5)5.56%
TD Bank-0.00%(3.5)5.56%
JPMorgan Chase Bank-0.00%(3.5)5.56%
Fairway Independent Mortgage Corporation0.00%(3.5)5.56%
Bar Harbor Bank & Trust0.00%(3.5)38.89%
Bank of America0.00%(3.5)11.11%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.11%(4.0)11.32%
Union Bank in Morrisville VT-0.04%(3.5)2.52%
Bank of New Hampshire-0.04%(3.5)3.77%
Northeast Home Loan-0.03%(3.5)1.26%
Service Credit Union-0.01%(3.5)0.63%
New England Federal Credit Union-0.01%(3.5)1.26%
Residential Mortgage Services-0.00%(3.5)5.66%
CMG Financial-0.00%(3.5)2.52%
emmloans-0.00%(3.5)1.89%
USAA-0.00%(3.5)25.16%
Wells Fargo Bank-0.00%(3.5)0.63%
loanDepot-0.00%(3.5)5.66%
HomeBridge Financial Services0.00%(3.5)0.63%
People’s United Bank0.00%(3.5)1.26%
Northfield Savings Bank0.01%(3.5)0.63%
PrimeLending0.01%(3.5)2.52%
HarborOne Mortgage0.02%(3.5)8.18%
Bank of America0.03%(3.5)1.26%
Fairway Independent Mortgage Corporation0.03%(3.5)1.89%
Academy Mortgage Corporation Utah0.05%(3.5)4.40%
Quicken Loans0.07%(3.0)16.98%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.11%(4.0)13.22%
Union Bank in Morrisville VT-0.03%(3.5)3.31%
Bank of New Hampshire-0.03%(3.5)4.96%
Northeast Home Loan-0.01%(3.5)1.65%
Service Credit Union-0.00%(3.5)0.83%
New England Federal Credit Union0.01%(3.5)0.83%
Residential Mortgage Services0.01%(3.5)7.44%
loanDepot0.01%(3.5)0.83%
CMG Financial0.01%(3.5)2.48%
USAA0.01%(3.5)31.40%
Wells Fargo Bank0.01%(3.5)0.83%
HomeBridge Financial Services0.02%(3.5)0.83%
People’s United Bank0.02%(3.5)1.65%
Northfield Savings Bank0.02%(3.5)0.83%
emmloans0.02%(3.5)1.65%
PrimeLending0.03%(3.5)3.31%
HarborOne Mortgage0.03%(3.5)8.26%
Bank of America0.04%(3.5)1.65%
Fairway Independent Mortgage Corporation0.04%(3.5)2.48%
Academy Mortgage Corporation Utah0.06%(3.0)5.79%
Quicken Loans0.07%(3.0)5.79%
Lender NameRate DifferenceRate RatingMarket Share
emmloans-0.06%(4.0)2.63%
New England Federal Credit Union-0.05%(4.0)2.63%
Navy Federal Credit Union-0.05%(3.5)5.26%
HarborOne Mortgage-0.05%(3.5)7.89%
CMG Financial-0.04%(3.5)2.63%
loanDepot-0.04%(3.5)21.05%
USAA-0.03%(3.5)5.26%
Quicken Loans0.04%(3.5)52.63%

* 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

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