Top Mortgage Lenders in the Lincoln, NH area

Which mortgage lender in the Lincoln, NH area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Lincoln, NH area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Lincoln, NH area is Northfield Savings Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.24%. This means that Northfield Savings Bank provided a -0.24% lower interest rate for its customers than other lenders in Lincoln, NH for a similar set of borrowers. Northfield Savings Bank has a market share of 9.5%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 16.5%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.18% relative to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed rankings of the mortgage lenders for 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 $510,400 in 2020), 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 Citizens Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northfield Savings Bank 1, -0.24% 9.52%
New England Federal Credit Union 2, -0.14% 2.72%
Bar Harbor Bank & Trust 3, -0.12% 4.12%
Service Credit Union 4, -0.11% 1.84%
Bank of America 5, -0.08% 1.62%
E Mortgage Management 6, -0.07% 3.27%
Northeast Home Loan 7, -0.07% 2.65%
JPMorgan Chase Bank 8, -0.04% 1.69%
Citizens Bank 9, -0.03% 3.09%
CMG Mortgage Inc 10, -0.03% 1.54%
Vermont State Employees Credit Union 11, -0.03% 8.97%
TD Bank 12, -0.02% 1.14%
Bank of New Hampshire 13, -0.02% 2.87%
Navy Federal Credit Union 14, -0.02% 1.36%
Union Bank 15, -0.02% 3.97%
Residential Mortgage Services 16, -0.01% 3.38%
Wells Fargo Bank 17, -0.00% 1.65%
LoanDepot 18, -0.00% 1.32%
MSA Mortgage 19, 0.00% 3.46%
People’s United Bank 20, 0.01% 1.73%
HarborOne Mortgage 21, 0.01% 4.49%
Usaa Federal Savings Bank 22, 0.02% 2.46%
Primelending 23, 0.04% 2.24%
HomeBridge Financial Services, Inc 24, 0.06% 1.43%
Fairway Independent Mort Corp 25, 0.07% 1.99%
Meredith Village Savings Bank 26, 0.08% 2.87%
Academy Mortgage Corporation 27, 0.10% 3.01%
First Federal Savings and Loan Association of Lakewood 28, 0.14% 1.40%
Quicken Loans 29, 0.18% 16.51%
NorthCountry Federal Credit Union 30, 0.21% 1.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northfield Savings Bank 1, -0.24% 8.88%
Bar Harbor Bank & Trust 2, -0.12% 3.17%
Service Credit Union 3, -0.11% 2.19%
Vermont State Employees Credit Union 4, -0.11% 4.84%
New England Federal Credit Union 5, -0.09% 2.65%
Bank of America 6, -0.08% 2.13%
Northeast Home Loan 7, -0.07% 3.05%
Citizens Bank 8, -0.06% 2.82%
E Mortgage Management 9, -0.06% 4.27%
TD Bank 10, -0.03% 1.10%
JPMorgan Chase Bank 11, -0.02% 1.79%
CMG Mortgage Inc 12, -0.02% 2.13%
Navy Federal Credit Union 13, -0.01% 1.84%
Bank of New Hampshire 14, -0.01% 4.03%
People’s United Bank 15, -0.00% 1.96%
Wells Fargo Bank 16, 0.00% 2.02%
Residential Mortgage Services 17, 0.00% 4.67%
MSA Mortgage 18, 0.01% 4.67%
LoanDepot 19, 0.02% 0.52%
Usaa Federal Savings Bank 20, 0.03% 3.34%
Union Bank 21, 0.04% 4.55%
HarborOne Mortgage 22, 0.06% 5.13%
Primelending 23, 0.06% 2.94%
HomeBridge Financial Services, Inc 24, 0.08% 1.79%
Fairway Independent Mort Corp 25, 0.10% 2.48%
Academy Mortgage Corporation 26, 0.12% 3.92%
Meredith Village Savings Bank 27, 0.12% 3.23%
First Federal Savings and Loan Association of Lakewood 28, 0.15% 2.19%
Quicken Loans 29, 0.18% 10.49%
NorthCountry Federal Credit Union 30, 0.21% 1.21%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northfield Savings Bank 1, -0.24% 10.66%
New England Federal Credit Union 2, -0.21% 2.84%
Union Bank 3, -0.15% 2.94%
Bar Harbor Bank & Trust 4, -0.13% 5.79%
E Mortgage Management 5, -0.10% 1.52%
HarborOne Mortgage 6, -0.09% 3.35%
Service Credit Union 7, -0.09% 1.22%
JPMorgan Chase Bank 8, -0.06% 1.52%
Northeast Home Loan 9, -0.06% 1.93%
MSA Mortgage 10, -0.03% 1.32%
Bank of New Hampshire 11, -0.03% 0.81%
LoanDepot 12, -0.02% 2.74%
Usaa Federal Savings Bank 13, -0.02% 0.91%
Fairway Independent Mort Corp 14, -0.02% 1.12%
Bank of America 15, -0.02% 0.71%
Navy Federal Credit Union 16, -0.02% 0.51%
TD Bank 17, -0.02% 1.22%
Primelending 18, -0.02% 1.02%
Meredith Village Savings Bank 19, -0.02% 2.23%
Residential Mortgage Services 20, -0.01% 1.12%
CMG Mortgage Inc 21, -0.01% 0.51%
HomeBridge Financial Services, Inc 22, -0.00% 0.81%
Citizens Bank 23, -0.00% 3.55%
Wells Fargo Bank 24, 0.00% 1.02%
Vermont State Employees Credit Union 25, 0.00% 16.24%
Academy Mortgage Corporation 26, 0.04% 1.42%
People’s United Bank 27, 0.06% 1.32%
Quicken Loans 28, 0.17% 27.11%
NorthCountry Federal Credit Union 29, 0.21% 2.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northfield Savings Bank 1, -0.24% 11.24%
New England Federal Credit Union 2, -0.14% 3.20%
Bar Harbor Bank & Trust 3, -0.14% 4.49%
Service Credit Union 4, -0.11% 2.13%
Bank of America 5, -0.09% 1.69%
E Mortgage Management 6, -0.07% 3.20%
Northeast Home Loan 7, -0.07% 3.11%
CMG Mortgage Inc 8, -0.05% 1.16%
JPMorgan Chase Bank 9, -0.04% 1.73%
Bank of New Hampshire 10, -0.03% 2.98%
Vermont State Employees Credit Union 11, -0.02% 10.84%
TD Bank 12, -0.02% 1.24%
Residential Mortgage Services 13, -0.01% 2.62%
Union Bank 14, -0.01% 4.22%
LoanDepot 15, -0.01% 1.07%
Citizens Bank 16, -0.01% 2.62%
Wells Fargo Bank 17, -0.00% 1.78%
MSA Mortgage 18, 0.00% 4.13%
HarborOne Mortgage 19, 0.00% 3.64%
People’s United Bank 20, 0.02% 1.60%
Usaa Federal Savings Bank 21, 0.04% 1.20%
Primelending 22, 0.05% 2.31%
Navy Federal Credit Union 23, 0.07% 0.71%
HomeBridge Financial Services, Inc 24, 0.08% 1.20%
Meredith Village Savings Bank 25, 0.09% 3.42%
Fairway Independent Mort Corp 26, 0.09% 1.60%
Academy Mortgage Corporation 27, 0.11% 1.96%
First Federal Savings and Loan Association of Lakewood 28, 0.16% 1.51%
NorthCountry Federal Credit Union 29, 0.21% 2.04%
Quicken Loans 30, 0.23% 15.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northfield Savings Bank 1, -0.25% 10.87%
Bar Harbor Bank & Trust 2, -0.13% 3.72%
Service Credit Union 3, -0.12% 2.70%
Vermont State Employees Credit Union 4, -0.10% 6.13%
New England Federal Credit Union 5, -0.09% 3.28%
Bank of America 6, -0.09% 2.41%
Northeast Home Loan 7, -0.07% 3.72%
E Mortgage Management 8, -0.06% 4.30%
CMG Mortgage Inc 9, -0.05% 1.60%
JPMorgan Chase Bank 10, -0.03% 1.82%
TD Bank 11, -0.03% 1.24%
Citizens Bank 12, -0.02% 2.04%
Bank of New Hampshire 13, -0.02% 4.30%
People’s United Bank 14, -0.00% 1.82%
Residential Mortgage Services 15, -0.00% 3.57%
Wells Fargo Bank 16, 0.00% 2.33%
MSA Mortgage 17, 0.02% 5.84%
LoanDepot 18, 0.02% 0.58%
Union Bank 19, 0.06% 4.81%
HarborOne Mortgage 20, 0.06% 3.87%
Usaa Federal Savings Bank 21, 0.07% 1.46%
Primelending 22, 0.07% 3.14%
Navy Federal Credit Union 23, 0.09% 1.09%
HomeBridge Financial Services, Inc 24, 0.11% 1.46%
Meredith Village Savings Bank 25, 0.13% 4.01%
Academy Mortgage Corporation 26, 0.14% 2.41%
Fairway Independent Mort Corp 27, 0.14% 1.90%
First Federal Savings and Loan Association of Lakewood 28, 0.17% 2.48%
NorthCountry Federal Credit Union 29, 0.21% 1.53%
Quicken Loans 30, 0.25% 9.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northfield Savings Bank 1, -0.24% 11.83%
New England Federal Credit Union 2, -0.22% 3.07%
Bar Harbor Bank & Trust 3, -0.15% 5.69%
Union Bank 4, -0.15% 3.30%
E Mortgage Management 5, -0.11% 1.48%
HarborOne Mortgage 6, -0.10% 3.30%
Service Credit Union 7, -0.09% 1.25%
JPMorgan Chase Bank 8, -0.07% 1.59%
Northeast Home Loan 9, -0.06% 2.16%
LoanDepot 10, -0.03% 1.82%
MSA Mortgage 11, -0.03% 1.48%
Bank of New Hampshire 12, -0.03% 0.91%
Usaa Federal Savings Bank 13, -0.03% 0.80%
Bank of America 14, -0.02% 0.57%
Fairway Independent Mort Corp 15, -0.02% 1.14%
TD Bank 16, -0.02% 1.25%
Navy Federal Credit Union 17, -0.02% 0.11%
Primelending 18, -0.02% 1.02%
Meredith Village Savings Bank 19, -0.01% 2.50%
Residential Mortgage Services 20, -0.01% 1.14%
CMG Mortgage Inc 21, -0.01% 0.46%
HomeBridge Financial Services, Inc 22, -0.00% 0.80%
Citizens Bank 23, 0.00% 3.53%
Vermont State Employees Credit Union 24, 0.00% 18.20%
Wells Fargo Bank 25, 0.01% 0.91%
Academy Mortgage Corporation 26, 0.04% 1.25%
People’s United Bank 27, 0.07% 1.25%
NorthCountry Federal Credit Union 28, 0.21% 2.84%
Quicken Loans 29, 0.21% 24.35%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.16% 6.25%
Union Bank 2, -0.08% 3.12%
E Mortgage Management 3, -0.06% 5.47%
People’s United Bank 4, -0.02% 2.34%
Quicken Loans 5, -0.01% 29.69%
Primelending 6, -0.00% 1.95%
Residential Mortgage Services 7, -0.00% 9.38%
HomeBridge Financial Services, Inc 8, -0.00% 4.30%
First Federal Savings and Loan Association of Lakewood 9, -0.00% 1.56%
Navy Federal Credit Union 10, 0.00% 0.39%
LoanDepot 11, 0.02% 1.17%
CMG Mortgage Inc 12, 0.02% 4.69%
Fairway Independent Mort Corp 13, 0.02% 5.08%
HarborOne Mortgage 14, 0.05% 10.55%
Bank of New Hampshire 15, 0.06% 1.95%
Academy Mortgage Corporation 16, 0.09% 12.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.16% 7.55%
Union Bank 2, -0.07% 3.77%
E Mortgage Management 3, -0.07% 6.13%
Quicken Loans 4, -0.01% 20.28%
People’s United Bank 5, -0.01% 2.83%
Primelending 6, -0.01% 1.89%
Residential Mortgage Services 7, -0.00% 10.85%
HomeBridge Financial Services, Inc 8, 0.00% 4.72%
First Federal Savings and Loan Association of Lakewood 9, 0.00% 1.89%
Navy Federal Credit Union 10, 0.00% 0.47%
CMG Mortgage Inc 11, 0.02% 5.66%
Fairway Independent Mort Corp 12, 0.02% 6.13%
HarborOne Mortgage 13, 0.05% 12.26%
Bank of New Hampshire 14, 0.06% 2.36%
Academy Mortgage Corporation 15, 0.10% 13.21%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.03% 2.27%
E Mortgage Management 2, -0.02% 2.27%
Quicken Loans 3, -0.00% 75.00%
Residential Mortgage Services 4, 0.00% 2.27%
HarborOne Mortgage 5, 0.01% 2.27%
Primelending 6, 0.01% 2.27%
LoanDepot 7, 0.01% 6.82%
Academy Mortgage Corporation 8, 0.03% 6.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
JPMorgan Chase Bank 1, -0.02% 14.29%
Wells Fargo Bank 2, -0.01% 8.16%
TD Bank 3, -0.01% 6.12%
People’s United Bank 4, -0.01% 6.12%
Service Credit Union 5, -0.00% 2.04%
MSA Mortgage 6, -0.00% 2.04%
Bar Harbor Bank & Trust 7, 0.00% 22.45%
Bank of America 8, 0.00% 8.16%
Meredith Village Savings Bank 9, 0.00% 2.04%
Fairway Independent Mort Corp 10, 0.01% 4.08%
Quicken Loans 11, 0.01% 2.04%
Citizens Bank 12, 0.01% 10.20%
Northfield Savings Bank 13, 0.01% 10.20%
Union Bank 14, 0.02% 2.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
JPMorgan Chase Bank 1, -0.02% 21.43%
Wells Fargo Bank 2, -0.01% 7.14%
People’s United Bank 3, -0.01% 3.57%
TD Bank 4, -0.01% 7.14%
MSA Mortgage 5, -0.00% 3.57%
Bar Harbor Bank & Trust 6, 0.00% 14.29%
Bank of America 7, 0.00% 7.14%
Meredith Village Savings Bank 8, 0.00% 3.57%
Citizens Bank 9, 0.01% 7.14%
Quicken Loans 10, 0.01% 3.57%
Fairway Independent Mort Corp 11, 0.01% 3.57%
Union Bank 12, 0.02% 3.57%
Northfield Savings Bank 13, 0.02% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Service Credit Union 1, -0.01% 4.76%
Wells Fargo Bank 2, -0.00% 9.52%
People’s United Bank 3, -0.00% 9.52%
Northfield Savings Bank 4, -0.00% 4.76%
TD Bank 5, -0.00% 4.76%
JPMorgan Chase Bank 6, -0.00% 4.76%
Fairway Independent Mort Corp 7, -0.00% 4.76%
Bar Harbor Bank & Trust 8, 0.00% 33.33%
Bank of America 9, 0.00% 9.52%
Citizens Bank 10, 0.01% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.10% 12.12%
Union Bank 2, -0.04% 2.42%
Bank of New Hampshire 3, -0.04% 3.64%
Northeast Home Loan 4, -0.03% 1.21%
Service Credit Union 5, -0.01% 0.61%
New England Federal Credit Union 6, -0.01% 1.21%
Citizens Bank 7, -0.01% 2.42%
Residential Mortgage Services 8, -0.00% 5.45%
CMG Mortgage Inc 9, -0.00% 2.42%
E Mortgage Management 10, -0.00% 1.82%
Usaa Federal Savings Bank 11, -0.00% 24.24%
Wells Fargo Bank 12, 0.00% 0.61%
LoanDepot 13, 0.00% 5.45%
HomeBridge Financial Services, Inc 14, 0.00% 0.61%
People’s United Bank 15, 0.00% 1.21%
Northfield Savings Bank 16, 0.01% 0.61%
Primelending 17, 0.01% 2.42%
HarborOne Mortgage 18, 0.02% 7.88%
Bank of America 19, 0.03% 1.21%
Fairway Independent Mort Corp 20, 0.03% 1.82%
Academy Mortgage Corporation 21, 0.05% 4.24%
Quicken Loans 22, 0.07% 16.36%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.11% 12.90%
Union Bank 2, -0.03% 3.23%
Bank of New Hampshire 3, -0.03% 4.84%
Northeast Home Loan 4, -0.01% 1.61%
Service Credit Union 5, -0.00% 0.81%
Citizens Bank 6, -0.00% 2.42%
New England Federal Credit Union 7, 0.01% 0.81%
Residential Mortgage Services 8, 0.01% 7.26%
LoanDepot 9, 0.01% 0.81%
CMG Mortgage Inc 10, 0.01% 2.42%
Usaa Federal Savings Bank 11, 0.01% 30.65%
Wells Fargo Bank 12, 0.01% 0.81%
HomeBridge Financial Services, Inc 13, 0.02% 0.81%
People’s United Bank 14, 0.02% 1.61%
Northfield Savings Bank 15, 0.02% 0.81%
E Mortgage Management 16, 0.02% 1.61%
Primelending 17, 0.03% 3.23%
HarborOne Mortgage 18, 0.03% 8.06%
Bank of America 19, 0.04% 1.61%
Fairway Independent Mort Corp 20, 0.04% 2.42%
Academy Mortgage Corporation 21, 0.06% 5.65%
Quicken Loans 22, 0.07% 5.65%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
E Mortgage Management 1, -0.05% 2.44%
New England Federal Credit Union 2, -0.05% 2.44%
HarborOne Mortgage 3, -0.04% 7.32%
Navy Federal Credit Union 4, -0.04% 9.76%
CMG Mortgage Inc 5, -0.04% 2.44%
LoanDepot 6, -0.03% 19.51%
Citizens Bank 7, -0.03% 2.44%
Usaa Federal Savings Bank 8, -0.02% 4.88%
Quicken Loans 9, 0.04% 48.78%

* 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 for the data comes from 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 based on the MSA, 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.

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