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Carroll County, New Hampshire · 2025

Mortgage lenders in Carroll County, NH: denial rates and top lenders (2025)

265 lenders acted on 3,218 mortgage applications for properties in Carroll County in 2025. 18.7% were denied (New Hampshire: 16.5%). Median rate on closed loans 6.92%; median loan $255,000; median property value $505,000.

3.2kApplications
18.7%Denial ratestate 16.5%
6.92%Median ratestate 6.82%
$255,000Median loan
$505,000Median property value

Largest lenders in Carroll County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Citizens Bank C 296166 28.0%7.15%
2 Meredith Village Savings Bank C 272188 12.5%7.25%
3 CMG Mortgage A 196137 6.1%6.75%
4 The Camden National Bank A 16699 19.3%6.99%
5 Rocket Mortgage C 165111 23.0%6.88%
6 Lighthouse Federal Credit Union D 16270 45.1%7.25%
7 TD Bank D 10261 20.6%7.54%
8 United Shore Financial Services B 7754 15.6%6.63%
9 Service Federal Credit Union C 6436 29.7%6.49%
10 Crosscountry Mortgage B 6340 3.2%6.81%
11 Newrez D 5816 22.4%6.75%
12 Bank of America F 5729 26.3%5.88%
13 Loandepot.Com D 4832 14.6%7.69%
14 Guaranteed Rate B 4522 4.4%6.81%
15 Guild Mortgage A 4433 9.1%6.75%
16 Holy Rosary Regional Credit Union A 4333 9.3%6.50%
17 Union Bank B 4032 5.0%6.88%
18 Mortgage Research Center C 4021 15.0%5.99%
19 Manufacturers and Traders Trust C 3516 45.7%5.99%
20 Pennymac Loan Services C 3420 14.7%7.50%
21 Freedom Mortgage B 3211 15.6%6.25%
22 Spring Eq D 318 48.4%8.45%
23 AmeriSave Mortgage D 298 69.0%6.94%
24 Fairway Independent Mortgage B 2918 3.5%6.99%
25 Envoy Mortgage D 2822 7.1%6.63%

Best approval odds in Carroll County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1CMG Mortgage1667.2%
2Meredith Village Savings Bank22215.3%
3United Shore Financial Services6817.7%
4The Camden National Bank13324.1%
5Rocket Mortgage15125.2%
6TD Bank8325.3%
7Citizens Bank25432.7%
8Service Federal Credit Union5633.9%
9Lighthouse Federal Credit Union15248.0%

What Carroll County borrowers applied for

By loan purpose

Home purchase 1,178 37% · 10.5% denied
Refinance 514 16% · 16.5% denied
Cash-out refinance 569 18% · 22.7% denied
Home improvement 508 16% · 27.2% denied
Other / HELOC 449 14% · 28.1% denied

By loan type

Conventional 2,843 88% · 18.6% denied
FHA 206 6% · 25.2% denied
VA 158 5% · 10.8% denied
USDA / RHS 11 0% · 27.3% denied

Why applications were denied

Debt-to-income ratio 237 40%
Collateral 114 19%
Credit history 113 19%
Incomplete application 57 10%
Other 38 6%
Unverifiable information 23 4%
Insufficient cash 10 2%
Employment history 8 1%

Carroll County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,3921,41220.9%7.13%$225,000
20242,6641,61218.1%7.25%$235,000
20253,2181,91418.7%6.92%$255,000

Frequently asked questions

18.7% of applications in Carroll County were denied in 2025, against 16.5% statewide in New Hampshire.

Citizens Bank, with 296 applications in 2025 and a denial rate of 28.0%.

The median mortgage application in Carroll County in 2025 was for $255,000; the median property value on originated loans was $505,000.