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Cheshire County, New Hampshire · 2025

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

214 lenders acted on 2,655 mortgage applications for properties in Cheshire County in 2025. 17.6% were denied (New Hampshire: 16.5%). Median rate on closed loans 6.75%; median loan $225,000; median property value $385,000.

2.7kApplications
17.6%Denial ratestate 16.5%
6.75%Median ratestate 6.82%
$225,000Median loan
$385,000Median property value

Largest lenders in Cheshire County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 CMG Mortgage A 261194 3.8%6.63%
2 Service Federal Credit Union C 209127 23.9%6.49%
3 Rocket Mortgage C 179133 18.4%6.63%
4 TD Bank D 15281 28.3%7.54%
5 Manufacturers and Traders Trust C 10668 28.3%5.99%
6 Citizens Bank C 8651 27.9%7.65%
7 United Shore Financial Services B 8166 11.1%6.41%
8 Mascoma Bank B 7652 14.5%6.99%
9 Mortgage Research Center C 7334 21.9%6.25%
10 Harborone Mortgage B 5547 0.0%6.50%
11 802 Credit Union B 4644 2.2%6.38%
12 AmeriSave Mortgage D 4411 65.9%8.63%
13 Navy Federal Credit Union D 4318 27.9%7.63%
14 Fairway Independent Mortgage B 3827 10.5%6.75%
15 Newrez D 3816 10.5%6.38%
16 Loandepot.Com D 3815 23.7%6.88%
17 GFA Federal Credit Union C 3725 13.5%—
18 Coastal Community Bank C 368 5.6%10.24%
19 Freedom Mortgage B 3517 8.6%6.38%
20 Bank of America F 3411 29.4%5.99%
21 Guild Mortgage A 3120 6.5%6.75%
22 Crosscountry Mortgage B 2915 6.9%6.88%
23 Pennymac Loan Services C 2818 7.1%6.75%
24 Broker Solutions D 2810 3.6%6.75%
25 Lakeview Loan Servicing C 2712 40.7%6.37%

Best approval odds in Cheshire County

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

#LenderDecidedDecision denial rate
1CMG Mortgage2274.4%
2United Shore Financial Services7512.0%
3Mascoma Bank6616.7%
4Rocket Mortgage16919.5%
5Service Federal Credit Union18227.5%
6Manufacturers and Traders Trust10030.0%
7Mortgage Research Center5131.4%
8Citizens Bank7631.6%
9TD Bank12634.1%

What Cheshire County borrowers applied for

By loan purpose

Home purchase 1,049 40% · 7.8% denied
Refinance 391 15% · 15.9% denied
Cash-out refinance 516 19% · 23.3% denied
Home improvement 380 14% · 25.8% denied
Other / HELOC 319 12% · 33.2% denied

By loan type

Conventional 2,070 78% · 18.6% denied
FHA 322 12% · 17.1% denied
VA 225 8% · 12.4% denied
USDA / RHS 38 1% · 2.6% denied

Why applications were denied

Debt-to-income ratio 169 37%
Credit history 92 20%
Collateral 91 20%
Incomplete application 51 11%
Other 31 7%
Unverifiable information 12 3%
Insufficient cash 11 2%
Employment history 5 1%

Cheshire County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,0351,18720.4%6.88%$175,000
20242,2601,31221.2%6.88%$185,000
20252,6551,60917.6%6.75%$225,000

Frequently asked questions

17.6% of applications in Cheshire County were denied in 2025, against 16.5% statewide in New Hampshire.

CMG Mortgage, with 261 applications in 2025 and a denial rate of 3.8%.

The median mortgage application in Cheshire County in 2025 was for $225,000; the median property value on originated loans was $385,000.