States › New Hampshire › Carroll County
Carroll County, New Hampshire
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 2,664 mortgage applications in Carroll County, New Hampshire, for 2024, and originated 1,612 loans worth $501m.
That is 73.8 originations per 1,000 households, against 54.4 for New Hampshire and 48.0 nationally.
The county's denial rate was 22.1%, close to the state rate of 22.8%. The median rate spread on originated loans was 0.5 percentage points and 16.1% of originations were 1.5 points or more above the average prime offer rate.
24 lenders reached 25 applications in the county; the most active by originations were Meredith Village Savings Bank (186), CBNA Year to Date (133) and Lighthouse Federal Credit Union (106).
Originations were up 14% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Meredith Village Savings Bank | 260 | 186 | $50m | 14.5% | — |
| 2 | CBNA Year to Date | 229 | 133 | $30m | 32.2% | — |
| 3 | Lighthouse Federal Credit Union | 199 | 106 | $12m | 38.6% | — |
| 4 | CMG Mortgage Inc | 139 | 96 | $29m | 9.5% | — |
| 5 | Rocket Mortgage | 110 | 83 | $21m | 14.9% | — |
| 6 | TD Bank | 108 | 65 | $12m | 25.3% | — |
| 7 | Crosscountry Mortgage, LLC | 74 | 61 | $24m | 0.0% | — |
| 8 | United Wholesale Mortgage | 49 | 35 | $15m | 7.5% | — |
| 9 | Service Federal Credit Union | 61 | 30 | $5.3m | 31.3% | — |
| 10 | Northway Bank | 43 | 28 | $9.5m | 15.2% | — |
| 11 | Guild Mortgage Company | 42 | 28 | $8.9m | 6.1% | — |
| 12 | Holy Rosary Regional Credit Union | 42 | 25 | $2.9m | 15.6% | — |
| 13 | Guaranteed Rate, Inc. | 33 | 25 | $11m | 7.4% | — |
| 14 | Loandepot.com, LLC | 40 | 20 | $5.7m | 32.3% | — |
| 15 | Union Bank | 30 | 20 | $11m | — | — |
| 16 | Fairway Independent Mort Corp | 29 | 20 | $6.3m | 16.0% | — |
| 17 | Bank of America NA | 40 | 18 | $6.9m | 32.1% | — |
| 18 | Navy Federal Credit Union | 25 | 15 | $3.4m | — | — |
| 19 | Norway Savings Bank | 25 | 14 | $3.6m | — | — |
| 20 | Figure Lending LLC | 29 | 13 | $895k | 39.3% | — |
| 21 | Mortgage Research Center | 27 | 13 | $5.6m | — | — |
| 22 | New American Funding, LLC. | 27 | 9 | $2.8m | — | — |
| 23 | Amerisave Mortgage Company | 37 | 8 | $1.3m | 74.2% | — |
| 24 | Discover Bank | 43 | 6 | $460k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 24. Denial rate is denials over decided applications in this county.
Compared with New Hampshire and the nation
| Measure | This county | New Hampshire | United States |
|---|---|---|---|
| Denial rate | 22.1% | 22.8% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.1% | 15.9% | 15.6% |
| Average originated loan | $311k | $320k | $329k |
| Originations per 1,000 households | 73.8 | 54.4 | 48.0 |
| Home purchase share of originations | 46.5% | 46.9% | 57.0% |
| FHA-insured share | 5.3% | 7.2% | 13.4% |
| VA-guaranteed share | 4.3% | 5.7% | 7.9% |
Rate spread distribution
Share of 1,438 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: New Hampshire). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 47% (750)Home improvement 17% (269)Refinancing 9% (153)Cash-out refinancing 13% (217)Other purpose 14% (223)
By type
Conventional 90% (1,453)FHA 5% (86)VA 4% (70)USDA 0% (3)
Trend by year
ApplicationsOriginations
This countyNew Hampshire
Questions and answers
Which lenders are most active in Carroll County, NH?
By 2024 originations: Meredith Village Savings Bank (186), CBNA Year to Date (133), Lighthouse Federal Credit Union (106), CMG Mortgage Inc (96), Rocket Mortgage (83). 24 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Carroll County?
22.1% of decided applications were denied in 2024, against 22.8% across New Hampshire and 24.3% nationally.
How many mortgages were originated in Carroll County in 2024?
1,612 loans totalling $501m, from 2,664 applications; 73.8 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 33003; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.