Mortgage lending in Grafton County
1,984 mortgages were originated in Grafton County, New Hampshire, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,984
- Median rate
- 6.750%
- Median lender fees
- $4,245
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $265,000
- Above the going rate (spread over APOR)
- 0.221
- Paid discount points
- 24.5%
- Received lender credits
- 24.5%
- Purchases / refinances
- 47.5% / 29.7%
- Conventional / FHA / VA
- 88.6% / 5.3% / 6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $379,000
- That home, 20% down
- $303,200
A median-priced home with 20% down leaves $529,550 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Grafton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mascoma Bank | 188 | $3,387 | 6.990% |
| Citizens Bank, National Association | 159 | — | 7.400% |
| Emm Loans LLC | 131 | $4,595 | 6.750% |
| Rocket Mortgage, LLC | 116 | $5,618 | 6.750% |
| United Shore Financial Services, LLC | 99 | $5,103 | 6.242% |
| Meredith Village Savings Bank | 88 | — | 7.063% |
| Union Bank | 83 | $3,107 | 6.750% |
| Service Federal Credit Union | 65 | — | 6.490% |
| CMG Mortgage, Inc. | 60 | $4,397 | 6.750% |
| Lighthouse Federal Credit Union | 52 | — | 7.220% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Grafton County — not a rule of thumb.
From 1,321 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers