Refinancing lenders in Carroll County
300 refinancing mortgages were made in Carroll County, New Hampshire, in 2025, by 107 lenders. The median rate their borrowers got was 6.500% on a median loan of $315,000. Of 403 decisions, 85 were denials — 21.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 62 | 7.150% | $245,000 | 24.1% |
| CMG MORTGAGE, INC. | 25 | 6.490% | $295,000 | 10.0% |
| Meredith Village Savings Bank | 18 | 6.500% | $475,000 | 10.0% |
| Rocket Mortgage, LLC | 18 | 5.933% | $375,000 | 14.3% |
| TD Bank, National Association | 16 | 7.540% | $115,000 | 29.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 6.062% | $305,000 | 17.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Camden National Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 11.1% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Institution for Savings in Newburyport and Its Vicinity | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Profile Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bangor Savings Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bar Harbor Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merrimack County Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mascoma Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SIS BANCORP, MHC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Union Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Mary's Bank Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Workers Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Holy Rosary Regional Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stoughton Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERRIMACK VALLEY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL ONE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Salem Co-Operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fall River Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Norway Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALIGN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| SALEM FIVE MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Needham Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| American Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE EQUITY PARTNERS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Triangle Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First Seacoast Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Brookline Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| BELLWETHER COMMUNITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Eastern Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| BayCoast Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.