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Rockingham County, New Hampshire · 2025

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

365 lenders acted on 14,227 mortgage applications for properties in Rockingham County in 2025. 16.4% were denied (New Hampshire: 16.5%). Median rate on closed loans 6.75%; median loan $295,000; median property value $635,000.

14kApplications
16.4%Denial ratestate 16.5%
6.75%Median ratestate 6.82%
$295,000Median loan
$635,000Median property value

Largest lenders in Rockingham County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Citizens Bank C 1,4971,003 21.6%7.40%
2 Service Federal Credit Union C 741423 26.6%6.49%
3 CMG Mortgage A 724506 1.9%6.63%
4 Rocket Mortgage C 698532 16.2%6.75%
5 United Shore Financial Services B 587480 7.3%6.50%
6 TD Bank D 471268 22.5%7.54%
7 Bank of America F 356152 31.5%5.93%
8 St. Mary's Bank Credit Union B 355231 22.0%7.25%
9 Lighthouse Federal Credit Union D 329173 32.5%7.50%
10 Crosscountry Mortgage B 309235 1.6%6.63%
11 Loandepot.Com D 286200 11.2%6.75%
12 Guaranteed Rate B 256164 4.3%6.53%
13 Newrez D 22971 21.0%6.88%
14 Digital D 223127 21.1%7.74%
15 Emm Loans B 222200 0.5%6.63%
16 Guild Mortgage A 212152 3.8%6.63%
17 Fairway Independent Mortgage B 201152 5.0%6.63%
18 Manufacturers and Traders Trust C 199115 32.7%5.99%
19 Eastern Bank B 198119 32.8%6.99%
20 Spring Eq D 17760 48.6%9.11%
21 Movement Mortgage A 166120 6.0%6.56%
22 Total Mortgage Services B 161130 3.1%6.63%
23 Merrimack Valley C 152116 8.6%7.44%
24 Freedom Mortgage B 15064 10.0%6.25%
25 Pennymac Loan Services C 14078 12.1%6.56%

Best approval odds in Rockingham County

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

#LenderDecidedDecision denial rate
1Emm Loans2080.5%
2Crosscountry Mortgage2432.1%
3Leader Bank902.2%
4CMG Mortgage5592.5%
5Total Mortgage Services1353.7%
6Northpoint Mortgage504.0%
7Guild Mortgage1684.8%
8Guaranteed Rate1796.2%
9Fairway Independent Mortgage1626.2%
10Granite State Credit Union796.3%

What Rockingham County borrowers applied for

By loan purpose

Home purchase 4,918 35% · 6.9% denied
Refinance 2,714 19% · 13.8% denied
Cash-out refinance 2,344 16% · 18.7% denied
Home improvement 2,313 16% · 25.1% denied
Other / HELOC 1,938 14% · 30.8% denied

By loan type

Conventional 12,622 89% · 16.6% denied
FHA 929 7% · 16.3% denied
VA 670 5% · 12.4% denied
USDA / RHS 6 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 943 42%
Credit history 425 19%
Collateral 382 17%
Incomplete application 234 10%
Other 155 7%
Unverifiable information 69 3%
Insufficient cash 31 1%
Employment history 25 1%

Rockingham County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202311,5546,92019.4%7.00%$215,000
202412,6857,71218.7%6.99%$255,000
202514,2278,94716.4%6.75%$295,000

Frequently asked questions

16.4% of applications in Rockingham County were denied in 2025, against 16.5% statewide in New Hampshire.

Citizens Bank, with 1,497 applications in 2025 and a denial rate of 21.6%.

The median mortgage application in Rockingham County in 2025 was for $295,000; the median property value on originated loans was $635,000.