Carroll County
New Hampshire · FIPS 33003
According to CFPB HMDA 2024 application volume among U.S. counties, Carroll County ranks #758 of 3,223, and #7 of 10 in New Hampshire.
Mortgage lending activity in Carroll County, New Hampshire based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Carroll County, New Hampshire lenders denied 481 of the applications reported here, financing the rest at an average note rate of 7.53%, with applicants self-reporting average annual income of $38K. 198 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.7x, meaning typical borrowers took on mortgages of about 7.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Carroll County
In Carroll County, lead originator Meredith Village Savings Bank funded 11.6% of 1,608 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.4% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Carroll County's 2,808 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Carroll County's $294,384 average loan (deduped against volume peers).
Lenders active in Carroll County
Meredith Village Savings Bank funded 186 of the 1,608 loans originated in Carroll County, 11.6% of the county. 198 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Meredith Village Savings Bank | 186 | 11.6% |
| 2 | CBNA Year to Date | 133 | 8.3% |
| 3 | Lighthouse Federal Credit Union | 106 | 6.6% |
| 4 | Cmg Mortgage INC | 96 | 6.0% |
| 5 | Rocket Mortgage | 83 | 5.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Carroll County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Carroll County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.