Top Mortgage Lenders in Keene, NH

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. 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 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, 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 (for example, above $548,250 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

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Service Credit Union-0.20%(4.5)7.60%
People’s United Bank-0.05%(4.0)9.23%
CMG Financial-0.05%(4.0)17.70%
Northeast Home Loan-0.05%(4.0)4.78%
Guaranteed Rate-0.01%(3.5)7.71%
Homestead Funding Corp-0.01%(3.5)4.02%
USAA-0.00%(3.5)4.23%
TD Bank0.01%(3.5)6.08%
Wells Fargo Bank0.03%(3.5)3.91%
Residential Mortgage Services0.04%(3.5)4.99%
HarborOne Mortgage0.05%(3.5)9.88%
Quicken Loans0.12%(3.0)19.87%
Lender NameRate DifferenceRate RatingMarket Share
Service Credit Union-0.13%(4.0)6.48%
People’s United Bank-0.06%(4.0)10.16%
Northeast Home Loan-0.05%(3.5)4.71%
CMG Financial-0.04%(3.5)22.53%
Guaranteed Rate-0.00%(3.5)9.28%
TD Bank0.00%(3.5)5.60%
Homestead Funding Corp0.00%(3.5)5.01%
USAA0.01%(3.5)5.15%
Wells Fargo Bank0.05%(3.5)3.53%
Residential Mortgage Services0.06%(3.0)6.19%
HarborOne Mortgage0.07%(3.0)11.49%
Quicken Loans0.14%(3.0)9.87%
Lender NameRate DifferenceRate RatingMarket Share
Service Credit Union-0.31%(5.0)10.74%
Northeast Home Loan-0.06%(4.0)4.96%
HarborOne Mortgage-0.06%(4.0)5.37%
Guaranteed Rate-0.05%(3.5)3.31%
Residential Mortgage Services-0.04%(3.5)1.65%
Wells Fargo Bank-0.02%(3.5)4.96%
USAA-0.02%(3.5)1.65%
Homestead Funding Corp-0.01%(3.5)1.24%
CMG Financial-0.01%(3.5)4.13%
People’s United Bank0.01%(3.5)6.61%
TD Bank0.01%(3.5)7.44%
Quicken Loans0.09%(3.0)47.93%
Lender NameRate DifferenceRate RatingMarket Share
Service Credit Union-0.21%(4.5)9.99%
People’s United Bank-0.07%(4.0)10.57%
Northeast Home Loan-0.06%(4.0)6.31%
Guaranteed Rate-0.02%(3.5)9.25%
CMG Financial-0.01%(3.5)12.78%
Homestead Funding Corp-0.01%(3.5)5.14%
TD Bank0.00%(3.5)8.08%
USAA0.01%(3.5)2.64%
HarborOne Mortgage0.02%(3.5)6.90%
Wells Fargo Bank0.02%(3.5)4.85%
Residential Mortgage Services0.05%(3.0)3.82%
Quicken Loans0.15%(2.5)19.68%
Lender NameRate DifferenceRate RatingMarket Share
Service Credit Union-0.15%(4.0)8.73%
People’s United Bank-0.08%(4.0)12.27%
Northeast Home Loan-0.05%(4.0)6.44%
Guaranteed Rate-0.01%(3.5)11.64%
CMG Financial-0.01%(3.5)16.42%
TD Bank-0.00%(3.5)7.69%
Homestead Funding Corp-0.00%(3.5)6.65%
USAA0.02%(3.5)3.74%
Wells Fargo Bank0.05%(3.5)4.37%
HarborOne Mortgage0.05%(3.0)7.69%
Residential Mortgage Services0.07%(3.0)4.78%
Quicken Loans0.19%(2.5)9.56%
Lender NameRate DifferenceRate RatingMarket Share
Service Credit Union-0.31%(5.0)13.00%
HarborOne Mortgage-0.07%(4.0)5.00%
Northeast Home Loan-0.06%(4.0)6.00%
Guaranteed Rate-0.05%(4.0)3.50%
Residential Mortgage Services-0.04%(3.5)1.50%
Wells Fargo Bank-0.02%(3.5)6.00%
Homestead Funding Corp-0.01%(3.5)1.50%
CMG Financial-0.00%(3.5)4.00%
TD Bank0.01%(3.5)9.00%
People’s United Bank0.01%(3.5)6.50%
Quicken Loans0.11%(3.0)44.00%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.10%(4.0)36.69%
Guaranteed Rate-0.00%(3.5)2.37%
People’s United Bank0.01%(3.5)4.73%
Homestead Funding Corp0.02%(3.5)0.59%
Residential Mortgage Services0.04%(3.5)9.47%
Quicken Loans0.05%(3.5)23.08%
HarborOne Mortgage0.09%(3.0)23.08%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.09%(4.0)42.25%
Guaranteed Rate0.01%(3.5)2.82%
People’s United Bank0.02%(3.5)5.63%
Homestead Funding Corp0.03%(3.5)0.70%
Quicken Loans0.04%(3.5)12.68%
Residential Mortgage Services0.05%(3.5)10.56%
HarborOne Mortgage0.11%(3.0)25.35%
Lender NameRate DifferenceRate RatingMarket Share
Residential Mortgage Services-0.04%(3.5)3.70%
CMG Financial-0.03%(3.5)7.41%
HarborOne Mortgage-0.01%(3.5)11.11%
Quicken Loans0.01%(3.5)77.78%
Lender NameRate DifferenceRate RatingMarket Share
People’s United Bank-0.00%(3.5)60.00%
Wells Fargo Bank0.00%(3.5)20.00%
Guaranteed Rate0.00%(3.5)20.00%
Lender NameRate DifferenceRate RatingMarket Share
People’s United Bank-0.00%(3.5)50.00%
Wells Fargo Bank0.00%(3.5)25.00%
Guaranteed Rate0.00%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
People’s United Bank0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.03%(3.5)21.21%
USAA-0.01%(3.5)31.82%
Wells Fargo Bank-0.01%(3.5)3.03%
Guaranteed Rate-0.00%(3.5)4.55%
Residential Mortgage Services0.01%(3.5)6.06%
Northeast Home Loan0.01%(3.5)1.52%
HarborOne Mortgage0.01%(3.5)7.58%
Service Credit Union0.01%(3.5)3.03%
Homestead Funding Corp0.01%(3.5)1.52%
TD Bank0.02%(3.5)1.52%
People’s United Bank0.03%(3.5)3.03%
Quicken Loans0.04%(3.5)15.15%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.02%(3.5)26.92%
USAA-0.01%(3.5)32.69%
Wells Fargo Bank0.00%(3.5)3.85%
Guaranteed Rate0.01%(3.5)3.85%
Residential Mortgage Services0.01%(3.5)7.69%
Northeast Home Loan0.02%(3.5)1.92%
Quicken Loans0.02%(3.5)5.77%
HarborOne Mortgage0.02%(3.5)9.62%
Service Credit Union0.02%(3.5)3.85%
Homestead Funding Corp0.02%(3.5)1.92%
TD Bank0.03%(3.5)1.92%
Lender NameRate DifferenceRate RatingMarket Share
Guaranteed Rate-0.03%(3.5)7.14%
USAA-0.03%(3.5)28.57%
People’s United Bank-0.01%(3.5)14.29%
Quicken Loans0.02%(3.5)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

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