New Hampshire · Q1 2026
What New Hampshire borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 324 lenders.
Published 2026-04-29.
New Hampshire · headline
The gap between New Hampshire's lowest- and highest-cost ranked lenders in 2025 was $7,158 on a typical loan — borrowers using Freedom Mortgage paid roughly 1185% more than borrowers using Granite State Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=21,628)
In 2025, 324 mortgage lenders originated 21,628 reportable loans in New Hampshire according to FFIEC HMDA data. The median borrower paid $4,720 in total loan costs. That is 11.3% above the national median across all 50 states and DC.
New Hampshire's median total loan cost was $4,720, 11.3% above the national median of $4,242. On a typical loan, that translates to roughly $478 more than borrowers paid in the average state.
Granite State Credit Union posted the lowest median total loan costs at $604, 87.2% below the New Hampshire median. Across the ranked lenders, 11 earned an A grade against peer averages and 2 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in New Hampshire are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | CMG Financial | $4,307 | $1,670 | 2,326 | A |
| 2 | Rocket Mortgage | $5,200 | $3,690 | 2,294 | A |
| 3 | United Wholesale Mortgage | $6,739 | $3,196 | 1,803 | D |
| 4 | Emm Loans LLC | $4,914 | $1,655 | 779 | A |
| 5 | Guild Mortgage | $4,515 | $1,772 | 652 | A |
| 6 | Fairway Independent Mortgage | $4,676 | $1,695 | 602 | A |
| 7 | CrossCountry Mortgage | $5,037 | $1,690 | 595 | A |
| 8 | loanDepot.com, LLC | $4,311 | $1,695 | 582 | A |
| 9 | Mortgage Research Center, LLC | $6,251 | $3,410 | 380 | C |
| 10 | Guaranteed Rate | $4,644 | $1,640 | 363 | A |
New Hampshire median total loan cost
New Hampshire borrowers paid a median $4,720 in total loan costs in 2025, based on 21,628 HMDA-reported loans across 324 lenders.
FFIEC HMDA 2025
Lender spread in New Hampshire
In New Hampshire, the gap between Granite State Credit Union ($604 median) and Freedom Mortgage ($7,762 median) was $7,158 on a typical 2025 loan.
FFIEC HMDA 2025
New Hampshire vs. national
New Hampshire closing costs ran 11.3% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in New Hampshire was $1,695, with the typical lender clustering tightly around that figure. Discount points appeared on 43% of loans, with a median paid amount of $2,180 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 34% of loans, with a median credit of $500.
Avg $3,506
Median $2,180 when present
Median $500 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in New Hampshire) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for New Hampshire
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