Mortgage lending in Hillsborough County
10,413 mortgages were originated in Hillsborough 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
- 10,413
- Median rate
- 6.875%
- Median lender fees
- $4,526
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
- $305,000
- Above the going rate (spread over APOR)
- 0.228
- Paid discount points
- 27%
- Received lender credits
- 22.2%
- Purchases / refinances
- 42.2% / 34.1%
- Conventional / FHA / VA
- 86.3% / 7.7% / 5.8%
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 65.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $589,950
- Median home price
- $513,000
- That home, 20% down
- $410,400
A median-priced home with 20% down leaves $422,350 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 Hillsborough County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens Bank, National Association | 988 | $4,595 | 7.400% |
| Rocket Mortgage, LLC | 689 | $5,067 | 6.750% |
| United Shore Financial Services, LLC | 656 | $7,290 | 6.482% |
| CMG Mortgage, Inc. | 582 | $4,356 | 6.625% |
| St. Mary's Bank Credit Union | 499 | $3,717 | 7.250% |
| Digital | 425 | $300 | 7.740% |
| Guild Mortgage Company | 344 | $4,538 | 6.625% |
| TD Bank, National Association | 322 | $99 | 7.540% |
| Crosscountry Mortgage, Inc. | 234 | $5,142 | 6.750% |
| Fairway Independent Mortgage Corporation | 222 | $4,646 | 6.625% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Hillsborough County — not a rule of thumb.
From 6,818 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