By the Wirly Editorial Team | AI-assisted, human-reviewed
Mortgage Refinancing in New Hampshire
Real refinance data for New Hampshire from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
3,574
2024 HMDA data
Avg Loan Amount
$343,226
National: $428,119
Denial Rate
22.37%
▲ Below national avg
Median Home Value
$367,200
U.S. Census Bureau
Source: HMDA 2024 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in New Hampshire
Originations by Year
Refinance originations in New Hampshire by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in New Hampshire
Source: FHFA House Price Index
Top Lenders in New Hampshire
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | Citizens Bank National Association | 5,998 | - |
| 2 | Citizens Bank National Association | 4,247 | - |
| 3 | Citizens Bank National Association | 3,822 | - |
| 4 | Rocket Mortgage LLC | 3,200 | - |
| 5 | Cmg Mortgage Inc. | 3,001 | - |
| 6 | Service Federal Credit Union | 2,544 | - |
| 7 | Cmg Mortgage Inc. | 2,491 | - |
| 8 | Cmg Mortgage Inc. | 2,439 | - |
| 9 | Service Federal Credit Union | 2,285 | - |
| 10 | Rocket Mortgage LLC | 2,275 | - |
Ranked by total HMDA filings in the state (2024). Source: HMDA via CFPB.
Compare all lenders →How New Hampshire Compares
| Metric | New Hampshire | National Avg |
|---|---|---|
| Refinance Originations | 3,574 | 697,820 |
| Avg Loan Amount | $343,226 | $428,119 |
| Denial Rate | 22.37% | 24.2% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2024, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.51%
▲ 6.36% prev
15-Year Fixed
5.85%
▲ 5.71% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in New Hampshire in 2024?
In 2024, there were 3,574 refinance originations in New Hampshire, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in New Hampshire?
The average refinance loan amount in New Hampshire was $343,226 in 2024. This reflects originated loans reported through HMDA.
What is the refinance denial rate in New Hampshire?
The refinance denial rate in New Hampshire was 22.37% in 2024. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in New Hampshire?
The most active lenders in New Hampshire by HMDA filing volume include Citizens Bank National Association, Citizens Bank National Association, Citizens Bank National Association. See the full list above for details.
Is it a good time to refinance in New Hampshire?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in New Hampshire, including tips, regulations, and state programs.
Read the New Hampshire Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.