Which mortgage lender in the Keene, 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 Keene, 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 Keene, NH area in terms of interest rate is Service Credit Union, with an average “Rate Difference” of -0.20%. This means that, comparing similar borrowers, Service Credit Union provided a -0.20% lower interest rate for its customers than other lenders in the area. Service Credit Union has a market share of 7.6%. On the other hand, the most popular lender in the Keene, NH area is Quicken Loans, with a larger market share of 19.9%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.12% compared to those of other lenders. We recommend shopping around before going with this popular lender.
Our detailed ranking of mortgage lenders in the Keene, 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 Keene, NH is Service Credit Union. 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 People’s United Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is CMG Financial. The cheapest VA mortgage provider is also CMG Financial. 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 Keene, NH
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Service Credit Union | -0.20% | 7.60% | |
| People’s United Bank | -0.05% | 9.23% | |
| CMG Financial | -0.05% | 17.70% | |
| Northeast Home Loan | -0.05% | 4.78% | |
| Guaranteed Rate | -0.01% | 7.71% | |
| Homestead Funding Corp | -0.01% | 4.02% | |
| USAA | -0.00% | 4.23% | |
| TD Bank | 0.01% | 6.08% | |
| Wells Fargo Bank | 0.03% | 3.91% | |
| Residential Mortgage Services | 0.04% | 4.99% | |
| HarborOne Mortgage | 0.05% | 9.88% | |
| Quicken Loans | 0.12% | 19.87% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Service Credit Union | -0.13% | 6.48% | |
| People’s United Bank | -0.06% | 10.16% | |
| Northeast Home Loan | -0.05% | 4.71% | |
| CMG Financial | -0.04% | 22.53% | |
| Guaranteed Rate | -0.00% | 9.28% | |
| TD Bank | 0.00% | 5.60% | |
| Homestead Funding Corp | 0.00% | 5.01% | |
| USAA | 0.01% | 5.15% | |
| Wells Fargo Bank | 0.05% | 3.53% | |
| Residential Mortgage Services | 0.06% | 6.19% | |
| HarborOne Mortgage | 0.07% | 11.49% | |
| Quicken Loans | 0.14% | 9.87% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Service Credit Union | -0.31% | 10.74% | |
| Northeast Home Loan | -0.06% | 4.96% | |
| HarborOne Mortgage | -0.06% | 5.37% | |
| Guaranteed Rate | -0.05% | 3.31% | |
| Residential Mortgage Services | -0.04% | 1.65% | |
| Wells Fargo Bank | -0.02% | 4.96% | |
| USAA | -0.02% | 1.65% | |
| Homestead Funding Corp | -0.01% | 1.24% | |
| CMG Financial | -0.01% | 4.13% | |
| People’s United Bank | 0.01% | 6.61% | |
| TD Bank | 0.01% | 7.44% | |
| Quicken Loans | 0.09% | 47.93% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Service Credit Union | -0.21% | 9.99% | |
| People’s United Bank | -0.07% | 10.57% | |
| Northeast Home Loan | -0.06% | 6.31% | |
| Guaranteed Rate | -0.02% | 9.25% | |
| CMG Financial | -0.01% | 12.78% | |
| Homestead Funding Corp | -0.01% | 5.14% | |
| TD Bank | 0.00% | 8.08% | |
| USAA | 0.01% | 2.64% | |
| HarborOne Mortgage | 0.02% | 6.90% | |
| Wells Fargo Bank | 0.02% | 4.85% | |
| Residential Mortgage Services | 0.05% | 3.82% | |
| Quicken Loans | 0.15% | 19.68% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Service Credit Union | -0.15% | 8.73% | |
| People’s United Bank | -0.08% | 12.27% | |
| Northeast Home Loan | -0.05% | 6.44% | |
| Guaranteed Rate | -0.01% | 11.64% | |
| CMG Financial | -0.01% | 16.42% | |
| TD Bank | -0.00% | 7.69% | |
| Homestead Funding Corp | -0.00% | 6.65% | |
| USAA | 0.02% | 3.74% | |
| Wells Fargo Bank | 0.05% | 4.37% | |
| HarborOne Mortgage | 0.05% | 7.69% | |
| Residential Mortgage Services | 0.07% | 4.78% | |
| Quicken Loans | 0.19% | 9.56% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Service Credit Union | -0.31% | 13.00% | |
| HarborOne Mortgage | -0.07% | 5.00% | |
| Northeast Home Loan | -0.06% | 6.00% | |
| Guaranteed Rate | -0.05% | 3.50% | |
| Residential Mortgage Services | -0.04% | 1.50% | |
| Wells Fargo Bank | -0.02% | 6.00% | |
| Homestead Funding Corp | -0.01% | 1.50% | |
| CMG Financial | -0.00% | 4.00% | |
| TD Bank | 0.01% | 9.00% | |
| People’s United Bank | 0.01% | 6.50% | |
| Quicken Loans | 0.11% | 44.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CMG Financial | -0.10% | 36.69% | |
| Guaranteed Rate | -0.00% | 2.37% | |
| People’s United Bank | 0.01% | 4.73% | |
| Homestead Funding Corp | 0.02% | 0.59% | |
| Residential Mortgage Services | 0.04% | 9.47% | |
| Quicken Loans | 0.05% | 23.08% | |
| HarborOne Mortgage | 0.09% | 23.08% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CMG Financial | -0.09% | 42.25% | |
| Guaranteed Rate | 0.01% | 2.82% | |
| People’s United Bank | 0.02% | 5.63% | |
| Homestead Funding Corp | 0.03% | 0.70% | |
| Quicken Loans | 0.04% | 12.68% | |
| Residential Mortgage Services | 0.05% | 10.56% | |
| HarborOne Mortgage | 0.11% | 25.35% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Residential Mortgage Services | -0.04% | 3.70% | |
| CMG Financial | -0.03% | 7.41% | |
| HarborOne Mortgage | -0.01% | 11.11% | |
| Quicken Loans | 0.01% | 77.78% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| People’s United Bank | -0.00% | 60.00% | |
| Wells Fargo Bank | 0.00% | 20.00% | |
| Guaranteed Rate | 0.00% | 20.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| People’s United Bank | -0.00% | 50.00% | |
| Wells Fargo Bank | 0.00% | 25.00% | |
| Guaranteed Rate | 0.00% | 25.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| People’s United Bank | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CMG Financial | -0.03% | 21.21% | |
| USAA | -0.01% | 31.82% | |
| Wells Fargo Bank | -0.01% | 3.03% | |
| Guaranteed Rate | -0.00% | 4.55% | |
| Residential Mortgage Services | 0.01% | 6.06% | |
| Northeast Home Loan | 0.01% | 1.52% | |
| HarborOne Mortgage | 0.01% | 7.58% | |
| Service Credit Union | 0.01% | 3.03% | |
| Homestead Funding Corp | 0.01% | 1.52% | |
| TD Bank | 0.02% | 1.52% | |
| People’s United Bank | 0.03% | 3.03% | |
| Quicken Loans | 0.04% | 15.15% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CMG Financial | -0.02% | 26.92% | |
| USAA | -0.01% | 32.69% | |
| Wells Fargo Bank | 0.00% | 3.85% | |
| Guaranteed Rate | 0.01% | 3.85% | |
| Residential Mortgage Services | 0.01% | 7.69% | |
| Northeast Home Loan | 0.02% | 1.92% | |
| Quicken Loans | 0.02% | 5.77% | |
| HarborOne Mortgage | 0.02% | 9.62% | |
| Service Credit Union | 0.02% | 3.85% | |
| Homestead Funding Corp | 0.02% | 1.92% | |
| TD Bank | 0.03% | 1.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranteed Rate | -0.03% | 7.14% | |
| USAA | -0.03% | 28.57% | |
| People’s United Bank | -0.01% | 14.29% | |
| Quicken Loans | 0.02% | 50.00% |
* Data is compiled for the Keene, NH commuting zone area, which comprises of counties of Cheshire County, NH, and Windham County, VT. This includes cities/towns/communities of Keene, NH as well as Jaffrey, NH, West Swanzey, NH, Troy, NH, Wilmington, VT, Winchester, NH, Brattleboro, VT, Hinsdale, NH, North Walpole, NH, West Brattleboro, VT, Westminster, VT, Newfane, VT, Putney, VT, Bellows Falls, VT, Jacksonville, VT, and Saxtons River, 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 Keene, NH area. For mortgage lender rankings in other cities, click here.