Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in New Hampshire. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Mortgage Rates Last Updated and Verified: March 20, 2026
Current 30-year fixed mortgage rates in New Hampshire as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Union Bank Morrisville, VTUnion Bank Morrisville, VT120 North South Road, Groveton, NH, 03251A+5.0 ★Texas Ratio: 3.26% at 5.50%, Holy Rosary Credit Union Rochester, NHHoly Rosary Credit Union Rochester, NH133 Brock St, Dover, NH, 03820A+5.0 ★Texas Ratio: 2.05% at 5.75%, Lowell Five BankLowell Five Bank125 E Dunstable Rd, Nashua, NH, 03062A+5.0 ★Texas Ratio: 1.76% at 5.99%, Align Credit UnionAlign Credit Union68 Lafayette Rd, Seabrook, NH, 03874A5.0 ★Texas Ratio: 11.20% at 5.88%, and Bellwether Community Credit UnionBellwether Community Credit Union409 Amherst St, Bedford, NH, 03063A+5.0 ★Texas Ratio: 1.61% at 5.88%.
Mortgage rates in New Hampshire (NH) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to New Hampshire borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
New Hampshire Mortgage Rate Trends
Compare local New Hampshire mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
For buyers in New Hampshire, the broader New Hampshire 30-year fixed average mortgage rate rose 0.180 points this week to 6.265%, according to MonitorBankRates trend data.
15-Year Fixed — NH Avg
5.854%
▼ 1.917 from last week
For buyers in New Hampshire, the broader New Hampshire 15-year fixed average mortgage rate fell 1.917 points this week to 5.854%, according to MonitorBankRates trend data.
Information based on a mortgage loan to purchase a single-family, primary residence located within the Piscataqua Savings Bank lending area. Rate lock period is 45 days. The APR calculation assumes a $400,000 loan amount with a 20% down payment. The estimated monthly payment for this loan would be.
Information based on a mortgage loan to purchase a single-family, primary residence located within the Piscataqua Savings Bank lending area. Rate lock period is 45 days. The APR calculation assumes a $400,000 loan amount with a 20% down payment. The estimated monthly payment for this loan would be.
The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for New Hampshire directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in New Hampshire. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in NH.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in New Hampshire
How does my credit score affect my rate in New Hampshire?
Your credit score is a major factor. Generally, borrowers in New Hampshire with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in New Hampshire because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in New Hampshire?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In New Hampshire, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in New Hampshire, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in New Hampshire?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of New Hampshire, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in New Hampshire?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in New Hampshire offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in New Hampshire?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in New Hampshire?
Union Bank Morrisville, VT: 5.50% (30 Year Fixed Rate MOVE Conventional)
Holy Rosary Credit Union Rochester, NH: 5.75% (30-Year Fixed)
Lowell Five Bank: 5.99% (Premier 30 Year Fixed Rate)
Align Credit Union: 5.88% (30 Year Fixed)
Bellwether Community Credit Union: 5.88% (30 Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to New Hampshire borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Brian McKay
