Home purchase lenders in Merrimack County
1,756 home purchase mortgages were made in Merrimack County, New Hampshire, in 2025, by 209 lenders. The median rate their borrowers got was 6.625% on a median loan of $375,000. Of 1,984 decisions, 162 were denials — 8.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CMG MORTGAGE, INC. | 319 | 6.625% | $365,000 | 0.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 142 | 6.624% | $375,000 | 6.5% |
| EMM LOANS LLC | 92 | 6.750% | $410,000 | 2.0% |
| Fairway Independent Mortgage Corporation | 79 | 6.875% | $365,000 | 7.1% |
| Merrimack County Savings Bank | 67 | 7.000% | $395,000 | 22.1% |
| Rocket Mortgage, LLC | 61 | 6.500% | $365,000 | 0.0% |
| St. Mary's Bank Credit Union | 59 | 6.750% | $335,000 | 10.3% |
| GUILD MORTGAGE COMPANY | 52 | 6.500% | $390,000 | 5.5% |
| NORTHPOINT MORTGAGE, INC. | 40 | 6.500% | $400,000 | 2.4% |
| Mortgage Research Center, LLC | 34 | 6.250% | $400,000 | 10.5% |
| Citizens Bank, National Association | 33 | 6.900% | $405,000 | 10.8% |
| KEYSTONE FUNDING, INC. | 31 | 6.625% | $415,000 | 5.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 28 | 6.850% | $375,000 | 3.5% |
| MOVEMENT MORTGAGE, LLC | 24 | 6.500% | $340,000 | 7.4% |
| Broker Solutions, Inc. | 22 | 6.813% | $385,000 | 0.0% |
| HARBORONE MORTGAGE, LLC | 20 | 6.625% | $395,000 | 0.0% |
| Waterstone Mortgage Corporation | 20 | 7.000% | $365,000 | 4.6% |
| Meredith Village Savings Bank | 19 | 6.875% | $215,000 | 5.0% |
| EMBRACE HOME LOANS, INC. | 19 | 6.500% | $385,000 | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 19 | 6.875% | $395,000 | 5.0% |
| Service Federal Credit Union | 18 | 6.250% | $315,000 | 20.0% |
| Bar Harbor Bank & Trust | 18 | 6.500% | $305,000 | 10.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 18 | 6.990% | $370,000 | 0.0% |
| Navy Federal Credit Union | 17 | 6.125% | $325,000 | 5.6% |
| Loandepot.Com, LLC | 17 | 7.125% | $375,000 | 10.5% |
| GUARANTEED RATE, INC. | 16 | 6.688% | $390,000 | 0.0% |
| Bangor Savings Bank | 16 | 6.750% | $380,000 | 15.0% |
| NEWREZ LLC | 16 | 6.500% | $375,000 | 5.9% |
| Mascoma Bank | 15 | 6.625% | $455,000 | 11.1% |
| BELLWETHER COMMUNITY CREDIT UNION | 14 | 7.365% | $155,000 | 25.9% |
| The Camden National Bank | 14 | 6.500% | $370,000 | 0.0% |
| METRO Credit Union | 13 | 6.850% | $95,000 | 5.0% |
| EVERETT FINANCIAL, INC. | 13 | 6.625% | $305,000 | 0.0% |
| Luminate Bank | 13 | 7.124% | $345,000 | 0.0% |
| Bank of America, National Association | 12 | 6.183% | $350,000 | 14.3% |
| TD Bank, National Association | 11 | 7.440% | $305,000 | 42.1% |
| JPMorgan Chase Bank, National Association | 10 | 5.808% | $510,000 | 9.1% |
| Manufacturers and Traders Trust Company | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GRANITE STATE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ENVOY MORTGAGE, LTD | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Franklin Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 68.4% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Eastern Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WESTERLY COMMUNITY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Rockland Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Members First Credit Union Of N.H. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NORTHEAST HOME LOAN, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Salem Co-Operative Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BayCoast Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIS BANCORP, MHC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Seacoast Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Newburyport Five Cents Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EASTRISE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GFA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Norway Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Holy Rosary Regional Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Workers Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Washington Trust Company, of Westerly | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW HAMPSHIRE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Triangle Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of New Hampshire | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Institution for Savings in Newburyport and Its Vicinity | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankProv | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Profile Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Canton | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| bankESB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dedham Institution for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Avidia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tewksbury Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Johnson Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| OCEAN STATE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Amalgamated Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| BNY Mellon, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Enterprise Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| STANFORD Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Everett Co-operative Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Main Street Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| EQUITY RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Piscataqua Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WEBSTER FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MERCK EMPLOYEES FCU | 0 | Under 10 loans | Under 10 loans | Not published |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| KeyBank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Salem Five Cents Savings Bank | 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. Another 9 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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.