Mortgage lending in Strafford County
3,261 mortgages were originated in Strafford 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
- 3,261
- Median rate
- 6.750%
- Median lender fees
- $4,202
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
- $285,000
- Above the going rate (spread over APOR)
- 0.210
- Paid discount points
- 23.7%
- Received lender credits
- 21.4%
- Purchases / refinances
- 43.5% / 31.9%
- Conventional / FHA / VA
- 85.1% / 6.4% / 7.7%
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 67.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $962,550
- FHA limit
- $962,550
- Median home price
- $837,000
- That home, 20% down
- $669,600
A median-priced home with 20% down leaves $292,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. 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 Strafford County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CMG Mortgage, Inc. | 371 | $4,201 | 6.625% |
| Citizens Bank, National Association | 243 | — | 7.400% |
| United Shore Financial Services, LLC | 220 | $6,453 | 6.500% |
| Lighthouse Federal Credit Union | 216 | — | 7.250% |
| Service Federal Credit Union | 199 | — | 6.490% |
| Holy Rosary Regional Credit Union | 177 | $487 | 6.500% |
| Rocket Mortgage, LLC | 165 | $4,133 | 6.875% |
| Envoy Mortgage, Ltd | 92 | $5,998 | 6.625% |
| Loandepot.Com, LLC | 71 | $4,252 | 6.750% |
| TD Bank, National Association | 63 | — | 7.540% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Strafford County — not a rule of thumb.
From 2,201 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