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Strafford County, New Hampshire · 2025

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

261 lenders acted on 5,252 mortgage applications for properties in Strafford County in 2025. 15.3% were denied (New Hampshire: 16.5%). Median rate on closed loans 6.75%; median loan $255,000; median property value $495,000.

5.3kApplications
15.3%Denial ratestate 16.5%
6.75%Median ratestate 6.82%
$255,000Median loan
$495,000Median property value

Largest lenders in Strafford County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 CMG Mortgage A 539372 2.4%6.63%
2 Lighthouse Federal Credit Union D 381216 31.0%7.25%
3 Citizens Bank C 363243 21.2%7.40%
4 Service Federal Credit Union C 321199 22.1%6.49%
5 United Shore Financial Services B 264220 7.2%6.50%
6 Holy Rosary Regional Credit Union A 245177 7.8%6.50%
7 Rocket Mortgage C 227165 18.1%6.88%
8 Envoy Mortgage D 12592 1.6%6.63%
9 TD Bank D 11763 22.2%7.54%
10 Loandepot.Com D 9771 9.3%6.75%
11 Freedom Mortgage B 8938 5.6%6.25%
12 Bank of America F 7632 27.6%5.99%
13 Fairway Independent Mortgage B 7451 5.4%6.63%
14 Mortgage Research Center C 6932 13.0%6.13%
15 Crosscountry Mortgage B 6743 7.5%6.75%
16 Newrez D 6429 14.1%6.88%
17 Meredith Village Savings Bank C 6441 15.6%7.38%
18 AmeriSave Mortgage D 6015 60.0%7.63%
19 21st Mortgage F 6014 46.7%9.84%
20 Luminate Bank B 6037 0.0%6.75%
21 Lakeview Loan Servicing C 5719 40.4%6.49%
22 Broker Solutions D 5517 7.3%7.25%
23 Emm Loans B 5448 1.9%6.69%
24 Pennymac Loan Services C 5326 7.6%7.06%
25 Navy Federal Credit Union D 5328 11.3%6.69%

Best approval odds in Strafford County

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

#LenderDecidedDecision denial rate
1Emm Loans512.0%
2Envoy Mortgage942.1%
3CMG Mortgage4113.2%
4Fairway Independent Mortgage557.3%
5United Shore Financial Services2437.8%
6Freedom Mortgage568.9%
7Holy Rosary Regional Credit Union2009.5%
8Crosscountry Mortgage5010.0%
9Loandepot.Com8111.1%
10Rocket Mortgage21319.3%

What Strafford County borrowers applied for

By loan purpose

Home purchase 1,949 37% · 7.1% denied
Refinance 857 16% · 10.7% denied
Cash-out refinance 980 19% · 20.6% denied
Home improvement 857 16% · 24.5% denied
Other / HELOC 609 12% · 25.9% denied

By loan type

Conventional 4,407 84% · 15.6% denied
FHA 403 8% · 18.9% denied
VA 411 8% · 8.3% denied
USDA / RHS 31 1% · 9.7% denied

Why applications were denied

Debt-to-income ratio 308 40%
Collateral 147 19%
Credit history 135 17%
Incomplete application 87 11%
Other 62 8%
Unverifiable information 25 3%
Insufficient cash 10 1%
Employment history 4 1%

Strafford County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,1762,54618.5%6.99%$185,000
20244,5602,81117.3%7.00%$225,000
20255,2523,26215.3%6.75%$255,000

Frequently asked questions

15.3% of applications in Strafford County were denied in 2025, against 16.5% statewide in New Hampshire.

CMG Mortgage, with 539 applications in 2025 and a denial rate of 2.4%.

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