Largest lenders in Sullivan County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 135 | 90 | 27.4% | 6.75% |
| 2 | Mascoma Bank | B | 125 | 94 | 8.8% | 6.93% |
| 3 | Citizens Bank | C | 109 | 61 | 39.5% | 7.65% |
| 4 | Bar Harbor Bank & Trust | D | 81 | 51 | 22.2% | 7.50% |
| 5 | Emm Loans | B | 79 | 67 | 1.3% | 6.63% |
| 6 | United Shore Financial Services | B | 53 | 43 | 5.7% | 6.13% |
| 7 | CMG Mortgage | A | 53 | 43 | 3.8% | 6.75% |
| 8 | Service Federal Credit Union | C | 48 | 24 | 27.1% | 6.49% |
| 9 | ONE Credit Union | C | 44 | 37 | 11.4% | 7.13% |
| 10 | Mortgage Research Center | C | 37 | 21 | 16.2% | 6.13% |
| 11 | Fairway Independent Mortgage | B | 32 | 24 | 15.6% | 6.63% |
| 12 | Loandepot.Com | D | 28 | 16 | 28.6% | 6.06% |
| 13 | Pennymac Loan Services | C | 25 | 15 | 12.0% | 6.13% |
| 14 | Freedom Mortgage | B | 23 | 10 | 4.4% | 6.25% |
| 15 | AmeriSave Mortgage | D | 22 | 6 | 68.2% | 6.81% |
| 16 | Broker Solutions | D | 21 | 6 | 23.8% | 6.44% |
| 17 | Lighthouse Federal Credit Union | D | 21 | 8 | 52.4% | 7.62% |
| 18 | 21st Mortgage | F | 20 | 3 | 40.0% | 8.76% |
| 19 | Coastal Community Bank | C | 19 | 1 | 5.3% | 10.49% |
| 20 | Bank of America | F | 18 | 10 | 33.3% | 5.62% |
| 21 | Navy Federal Credit Union | D | 17 | 10 | 17.7% | 6.31% |
| 22 | Guild Mortgage | A | 16 | 13 | 0.0% | 6.87% |
| 23 | TD Bank | D | 15 | 10 | 13.3% | 7.54% |
| 24 | Discover Bank | F | 14 | 0 | 64.3% | — |
| 25 | Newrez | D | 14 | 2 | 28.6% | 6.06% |
Best approval odds in Sullivan County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Emm Loans | 72 | 1.4% |
| 2 | Mascoma Bank | 111 | 9.9% |
| 3 | Bar Harbor Bank & Trust | 69 | 26.1% |
| 4 | Rocket Mortgage | 130 | 28.5% |
| 5 | Citizens Bank | 105 | 41.0% |
What Sullivan County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sullivan County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,261 | 745 | 20.4% | 6.88% | $175,000 |
| 2024 | 1,365 | 809 | 19.3% | 6.99% | $195,000 |
| 2025 | 1,514 | 939 | 19.5% | 6.75% | $205,000 |
Frequently asked questions
19.5% of applications in Sullivan County were denied in 2025, against 16.5% statewide in New Hampshire.
Rocket Mortgage, with 135 applications in 2025 and a denial rate of 27.4%.
The median mortgage application in Sullivan County in 2025 was for $205,000; the median property value on originated loans was $375,000.