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Grafton 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 2,855 mortgage applications in Grafton County, New Hampshire, for 2024, and originated 1,686 loans worth $504m.
That is 45.4 originations per 1,000 households, against 54.4 for New Hampshire and 48.0 nationally.
The county's denial rate was 24.1%, close to the state rate of 22.8%. The median rate spread on originated loans was 0.3 percentage points and 15.4% of originations were 1.5 points or more above the average prime offer rate.
25 lenders reached 25 applications in the county; the most active by originations were Mascoma Bank (183), EMM Loans LLC (134) and Union Bank (99).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Mascoma Bank | 260 | 183 | $48m | 17.2% | — |
| 2 | EMM Loans LLC | 152 | 134 | $52m | 1.4% | — |
| 3 | Union Bank | 110 | 99 | $33m | 2.0% | — |
| 4 | Rocket Mortgage | 136 | 98 | $22m | 19.8% | — |
| 5 | CBNA Year to Date | 172 | 97 | $25m | 34.0% | — |
| 6 | Meredith Village Savings Bank | 147 | 88 | $19m | 31.3% | — |
| 7 | Service Federal Credit Union | 128 | 68 | $12m | 35.8% | — |
| 8 | Lighthouse Federal Credit Union | 121 | 52 | $6.2m | 45.9% | — |
| 9 | United Wholesale Mortgage | 67 | 52 | $18m | 10.2% | — |
| 10 | CMG Mortgage Inc | 57 | 36 | $12m | 10.4% | — |
| 11 | Bank of America NA | 73 | 33 | $14m | 33.3% | — |
| 12 | TD Bank | 44 | 26 | $8.7m | 25.7% | — |
| 13 | Fairway Independent Mort Corp | 30 | 25 | $5.7m | 3.8% | — |
| 14 | Bar Harbor Bank & Trust | 42 | 23 | $6.6m | 25.8% | — |
| 15 | Navy Federal Credit Union | 43 | 20 | $4.8m | 24.1% | — |
| 16 | Mortgage Research Center | 35 | 19 | $5.5m | — | — |
| 17 | Loandepot.com, LLC | 35 | 15 | $3.9m | 40.7% | — |
| 18 | Pennymac Loan Services LLC | 27 | 14 | $3.5m | — | — |
| 19 | Figure Lending LLC | 27 | 11 | $745k | — | — |
| 20 | New American Funding, LLC. | 29 | 9 | $1.7m | — | — |
| 21 | Discover Bank | 72 | 7 | $755k | 81.1% | — |
| 22 | Amerisave Mortgage Company | 43 | 7 | $1.5m | 81.6% | — |
| 23 | Newrez LLC | 28 | 7 | $1.8m | — | — |
| 24 | Spring Eq, LLC | 25 | 7 | $1.2m | — | — |
| 25 | Coastal Community Bank | 27 | 6 | $350k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 25. 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 | 24.1% | 22.8% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.4% | 15.9% | 15.6% |
| Average originated loan | $299k | $320k | $329k |
| Originations per 1,000 households | 45.4 | 54.4 | 48.0 |
| Home purchase share of originations | 51.4% | 46.9% | 57.0% |
| FHA-insured share | 5.2% | 7.2% | 13.4% |
| VA-guaranteed share | 5.7% | 5.7% | 7.9% |
Rate spread distribution
Share of 1,510 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 51% (866)Home improvement 13% (226)Refinancing 9% (152)Cash-out refinancing 14% (240)Other purpose 12% (202)
By type
Conventional 89% (1,501)FHA 5% (87)VA 6% (96)USDA 0% (2)
Trend by year
ApplicationsOriginations
This countyNew Hampshire
Questions and answers
Which lenders are most active in Grafton County, NH?
By 2024 originations: Mascoma Bank (183), EMM Loans LLC (134), Union Bank (99), Rocket Mortgage (98), CBNA Year to Date (97). 25 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Grafton County?
24.1% of decided applications were denied in 2024, against 22.8% across New Hampshire and 24.3% nationally.
How many mortgages were originated in Grafton County in 2024?
1,686 loans totalling $504m, from 2,855 applications; 45.4 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 33009; 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.