States › New Hampshire › Coos County
Coos 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.
Coos County, New Hampshire, saw 1,155 HMDA-reported applications and 627 originations ($121m) in 2024.
That is 44.8 originations per 1,000 households, against 54.4 for New Hampshire and 48.0 nationally.
The county's denial rate was 29.4%, above the state rate of 22.8%. The median rate spread on originated loans was 0.5 percentage points and 14.9% of originations were 1.5 points or more above the average prime offer rate.
13 lenders reached 25 applications in the county; the most active by originations were Rocket Mortgage (68), Lighthouse Federal Credit Union (52) and Northway Bank (38).
Originations were up 6% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 97 | 68 | $12m | 22.7% | — |
| 2 | Lighthouse Federal Credit Union | 93 | 52 | $6.1m | 37.5% | — |
| 3 | Northway Bank | 71 | 38 | $6.3m | 33.3% | — |
| 4 | Service Federal Credit Union | 79 | 36 | $2.9m | 41.9% | — |
| 5 | United Wholesale Mortgage | 40 | 29 | $6.9m | 11.8% | — |
| 6 | CBNA Year to Date | 54 | 27 | $3.9m | 40.0% | — |
| 7 | Fairway Independent Mort Corp | 37 | 25 | $3.7m | 19.4% | — |
| 8 | Bangor Savings Bank | 43 | 24 | $4.8m | 33.3% | — |
| 9 | Union Bank | 27 | 22 | $4.3m | — | — |
| 10 | Mortgage Research Center | 31 | 20 | $4.8m | — | — |
| 11 | Mascoma Bank | 29 | 16 | $2.3m | — | — |
| 12 | CMG Mortgage Inc | 25 | 16 | $4.3m | — | — |
| 13 | Discover Bank | 25 | 2 | $90k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 13. 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 | 29.4% | 22.8% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.9% | 15.9% | 15.6% |
| Average originated loan | $192k | $320k | $329k |
| Originations per 1,000 households | 44.8 | 54.4 | 48.0 |
| Home purchase share of originations | 51.5% | 46.9% | 57.0% |
| FHA-insured share | 11.0% | 7.2% | 13.4% |
| VA-guaranteed share | 9.1% | 5.7% | 7.9% |
Rate spread distribution
Share of 572 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 52% (323)Home improvement 11% (67)Refinancing 9% (58)Cash-out refinancing 18% (112)Other purpose 11% (67)
By type
Conventional 80% (500)FHA 11% (69)VA 9% (57)USDA 0% (1)
Trend by year
ApplicationsOriginations
This countyNew Hampshire
Questions and answers
Which lenders are most active in Coos County, NH?
By 2024 originations: Rocket Mortgage (68), Lighthouse Federal Credit Union (52), Northway Bank (38), Service Federal Credit Union (36), United Wholesale Mortgage (29). 13 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Coos County?
29.4% of decided applications were denied in 2024, against 22.8% across New Hampshire and 24.3% nationally.
How many mortgages were originated in Coos County in 2024?
627 loans totalling $121m, from 1,155 applications; 44.8 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 33007; 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.