Mortgage lenders in Merrimack County
3,862 mortgages were made in Merrimack County, New Hampshire, in 2025, by 281 lenders. The median rate their borrowers got was 6.875% on a median loan of $295,000. Of 5,000 decisions, 927 were denials — 18.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CMG MORTGAGE, INC. | 413 | 6.625% | $365,000 | 1.1% |
| Citizens Bank, National Association | 322 | 7.400% | $195,000 | 24.7% |
| Rocket Mortgage, LLC | 272 | 6.625% | $260,000 | 12.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 234 | 6.564% | $375,000 | 11.1% |
| St. Mary's Bank Credit Union | 143 | 7.000% | $235,000 | 22.7% |
| Service Federal Credit Union | 118 | 6.490% | $105,000 | 26.6% |
| TD Bank, National Association | 110 | 7.540% | $105,000 | 27.3% |
| EMM LOANS LLC | 102 | 6.750% | $395,000 | 1.8% |
| Merrimack County Savings Bank | 97 | 6.875% | $365,000 | 23.6% |
| Fairway Independent Mortgage Corporation | 92 | 6.688% | $345,000 | 6.1% |
| GRANITE STATE CREDIT UNION | 77 | 7.500% | $85,000 | 13.9% |
| Bar Harbor Bank & Trust | 64 | 7.250% | $220,000 | 25.6% |
| GUILD MORTGAGE COMPANY | 64 | 6.500% | $375,000 | 4.4% |
| Loandepot.Com, LLC | 54 | 6.990% | $305,000 | 21.4% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 49 | 7.250% | $105,000 | 36.8% |
| BELLWETHER COMMUNITY CREDIT UNION | 49 | 7.250% | $135,000 | 18.6% |
| NORTHPOINT MORTGAGE, INC. | 48 | 6.495% | $390,000 | 2.0% |
| Mortgage Research Center, LLC | 47 | 6.250% | $395,000 | 26.6% |
| DIGITAL | 45 | 7.750% | $155,000 | 26.2% |
| PENNYMAC LOAN SERVICES, LLC | 44 | 6.999% | $270,000 | 13.7% |
| Navy Federal Credit Union | 44 | 7.545% | $205,000 | 25.0% |
| Mascoma Bank | 42 | 6.870% | $300,000 | 8.3% |
| Bank of America, National Association | 41 | 5.990% | $195,000 | 40.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 41 | 6.875% | $355,000 | 6.5% |
| KEYSTONE FUNDING, INC. | 41 | 6.625% | $405,000 | 4.3% |
| NATIONSTAR MORTGAGE LLC | 39 | 7.625% | $175,000 | 15.2% |
| Bangor Savings Bank | 39 | 7.250% | $305,000 | 14.9% |
| NEWREZ LLC | 38 | 6.563% | $340,000 | 25.5% |
| Broker Solutions, Inc. | 33 | 6.875% | $365,000 | 15.4% |
| FIGURE LENDING LLC | 33 | 8.450% | $75,000 | 25.5% |
| Eastern Bank | 32 | 6.990% | $140,000 | 24.4% |
| MOVEMENT MORTGAGE, LLC | 28 | 6.500% | $340,000 | 6.3% |
| The Camden National Bank | 27 | 6.750% | $295,000 | 20.6% |
| FREEDOM MORTGAGE CORPORATION | 25 | 6.250% | $345,000 | 10.8% |
| Meredith Village Savings Bank | 25 | 7.000% | $175,000 | 10.7% |
| TOTAL MORTGAGE SERVICES, LLC | 25 | 6.500% | $425,000 | 3.9% |
| HARBORONE MORTGAGE, LLC | 24 | 6.625% | $385,000 | 4.0% |
| Waterstone Mortgage Corporation | 24 | 7.063% | $340,000 | 3.9% |
| AmeriSave Mortgage Corporation | 23 | 8.125% | $115,000 | 58.6% |
| NEW HAMPSHIRE | 23 | Not published | $75,000 | 51.1% |
| LAKEVIEW LOAN SERVICING, LLC | 23 | 6.250% | $345,000 | 50.0% |
| GUARANTEED RATE, INC. | 22 | 6.538% | $350,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 22 | 6.500% | $375,000 | 0.0% |
| SPRING EQ, LLC | 21 | 9.500% | $85,000 | 67.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 20 | 6.933% | $365,000 | 0.0% |
| Manufacturers and Traders Trust Company | 18 | 6.125% | $345,000 | 18.2% |
| EVERETT FINANCIAL, INC. | 16 | 6.750% | $345,000 | 0.0% |
| Luminate Bank | 16 | 6.933% | $360,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 15 | 5.990% | $425,000 | 6.3% |
| METRO Credit Union | 15 | 6.850% | $95,000 | 4.6% |
| NBT Bank, National Association | 15 | 5.740% | $135,000 | 6.3% |
| Coastal Community Bank | 13 | 11.240% | $55,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 13 | 6.500% | $405,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 12 | 8.500% | $145,000 | 45.5% |
| Members First Credit Union Of N.H. | 12 | Not published | $115,000 | 27.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.495% | $290,000 | 23.1% |
| Franklin Savings Bank | 10 | Not published | $340,000 | 28.6% |
| U.S. Bank National Association | 10 | 7.495% | $215,000 | 28.6% |
| LOWER, LLC | 10 | 6.438% | $355,000 | 9.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 38.9% |
| ENVOY MORTGAGE, LTD | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Leader Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Third Federal Savings and Loan Association of Cleveland | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SIS BANCORP, MHC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 71.4% |
| Triangle Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| EASTRISE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Workers Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 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% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| 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% |
| Luminate Home Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Rockland Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GFA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 44.4% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Holy Rosary Regional Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Union Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Salem Co-Operative Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BankProv | 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% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 92.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 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% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GREENWOOD CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Newburyport Five Cents Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 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% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| bankESB | 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% |
| ALIGN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Washington Trust Company, of Westerly | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HarborOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JEANNE D'ARC Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WEBSTER FIRST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCIENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone National Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 81 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Merrimack County
45 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Merrimack County Savings Bank | 7 | $1.1 billion |
| Citizens Bank, National Association | 6 | $721.6 million |
| Bar Harbor Bank & Trust | 5 | $320.1 million |
| TD Bank, National Association | 4 | $1.6 billion |
| Franklin Savings Bank | 4 | $392.2 million |
| Ledyard National Bank | 3 | $155.6 million |
| Sugar River Bank | 3 | $144.7 million |
| Bank of New Hampshire | 2 | $308.0 million |
| The Camden National Bank | 2 | $71.9 million |
| Bangor Savings Bank | 2 | $67.9 million |
| Bank of America, National Association | 1 | $403.6 million |
| Walden Mutual Bank | 1 | $173.5 million |
| Santander Bank, N.A. | 1 | $114.1 million |
| Mascoma Bank | 1 | $102.4 million |
| Eastern Bank | 1 | $55.1 million |
| Manufacturers and Traders Trust Company | 1 | $40.8 million |
| NBT Bank, National Association | 1 | $33.8 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of New Hampshire, 16 S Main St, # 18, Concord
- Bank of New Hampshire, 3 Eagle Sq, Concord
- Bar Harbor Bank & Trust, 976 Route 103, Newbury
Get told when this changes
When the next year’s lending figures are out for Merrimack County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.