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Merrimack County, New Hampshire · 2025

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

274 lenders acted on 6,233 mortgage applications for properties in Merrimack County in 2025. 14.9% were denied (New Hampshire: 16.5%). Median rate on closed loans 6.88%; median loan $255,000; median property value $495,000.

6.2kApplications
14.9%Denial ratestate 16.5%
6.88%Median ratestate 6.82%
$255,000Median loan
$495,000Median property value

Largest lenders in Merrimack County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 CMG Mortgage A 554417 1.1%6.63%
2 Citizens Bank C 491322 22.4%7.40%
3 Rocket Mortgage C 343272 11.7%6.63%
4 United Shore Financial Services B 297234 10.1%6.56%
5 St. Mary's Bank Credit Union B 217143 20.3%7.00%
6 TD Bank D 205110 20.5%7.54%
7 Service Federal Credit Union C 204118 22.6%6.49%
8 Merrimack County Savings Bank D 16597 18.2%6.88%
9 Granite State Credit Union C 14177 9.9%7.50%
10 Emm Loans B 125102 1.6%6.75%
11 Fairway Independent Mortgage B 12092 5.0%6.69%
12 Bar Harbor Bank & Trust D 11064 20.0%7.25%
13 Bank of America F 10241 28.4%5.99%
14 Mortgage Research Center C 9947 17.2%6.25%
15 Lighthouse Federal Credit Union D 9949 32.3%7.25%
16 Newrez D 9338 14.0%6.56%
17 Guild Mortgage A 8964 3.4%6.50%
18 Digital D 8645 18.6%7.75%
19 Spring Eq D 8121 54.3%9.50%
20 Bellwether Community Credit Union B 8049 16.3%7.25%
21 Loandepot.Com D 8054 18.8%6.99%
22 Coastal Community Bank C 8013 0.0%11.24%
23 Freedom Mortgage B 7825 5.1%6.25%
24 Pennymac Loan Services C 7744 9.1%7.00%
25 Broker Solutions D 7433 8.1%6.88%

Best approval odds in Merrimack County

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

#LenderDecidedDecision denial rate
1Coastal Community Bank510.0%
2CMG Mortgage4501.3%
3Emm Loans1101.8%
4Northpoint Mortgage502.0%
5Guild Mortgage694.4%
6Fairway Independent Mortgage986.1%
7United Shore Financial Services27011.1%
8Rocket Mortgage31812.6%
9Pennymac Loan Services5113.7%
10Granite State Credit Union10113.9%

What Merrimack County borrowers applied for

By loan purpose

Home purchase 2,371 38% · 6.9% denied
Refinance 1,043 17% · 12.6% denied
Cash-out refinance 1,116 18% · 17.2% denied
Home improvement 896 14% · 24.4% denied
Other / HELOC 807 13% · 27.6% denied

By loan type

Conventional 5,213 84% · 15.5% denied
FHA 531 9% · 13.9% denied
VA 454 7% · 9.0% denied
USDA / RHS 35 1% · 8.6% denied

Why applications were denied

Debt-to-income ratio 349 39%
Collateral 170 19%
Credit history 150 17%
Incomplete application 109 12%
Other 71 8%
Unverifiable information 29 3%
Insufficient cash 9 1%
Employment history 7 1%

Merrimack County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,7462,85119.9%7.00%$205,000
20245,3313,21218.3%7.00%$235,000
20256,2333,86614.9%6.88%$255,000

Frequently asked questions

14.9% of applications in Merrimack County were denied in 2025, against 16.5% statewide in New Hampshire.

CMG Mortgage, with 554 applications in 2025 and a denial rate of 1.1%.

The median mortgage application in Merrimack County in 2025 was for $255,000; the median property value on originated loans was $495,000.