Lenders › Granite State Credit Union › New Hampshire
Granite State Credit Union in New Hampshire
HMDA record for properties in New Hampshire, calendar year 2024. National record · New Hampshire overview
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.
Granite State Credit Union's 2024 HMDA record for New Hampshire covers 502 applications, 241 of them originated, worth $33m.
Its denial rate in the state was 16.2%, below the New Hampshire rate of 22.8% across all lenders and compared with the lender's national rate of 16.3%.
The median rate spread on its New Hampshire originations was 1.9 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In New Hampshire | New Hampshire, all lenders | Granite State Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.2% | 22.8% | 16.3% | 24.3% |
| Median rate spread, pp | 1.9 | 0.4 | 1.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 67.2% | 15.9% | 67.4% | 15.6% |
| Average originated loan | $136k | $320k | $136k | $329k |
| Home purchase share | 11.6% | 46.9% | 11.6% | 57.0% |
| FHA-insured share | 0.0% | 7.2% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 5.7% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew Hampshire, all lenders
Loan purpose and loan type in New Hampshire
By purpose
Home purchase 12% (28)Home improvement 41% (98)Refinancing 2% (4)Cash-out refinancing 31% (75)Other purpose 15% (36)
By type
Conventional 100% (241)
Denial reasons as coded
Share of 59 denials in New Hampshire by first denial reason coded (outlined bar: all lenders in the state).
Counties in New Hampshire
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 142 | 76 | $8.8m | 15.8% |
| Merrimack County | 122 | 70 | $9.5m | 9.4% |
| Belknap County | 70 | 37 | $5.0m | 23.5% |
| Rockingham County | 79 | 36 | $5.5m | 22.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Granite State Credit Union originate in New Hampshire in 2024?
241 loans totalling $33m, from 502 applications reported for properties in New Hampshire.
What is Granite State Credit Union's denial rate in New Hampshire?
16.2% of decided applications in New Hampshire were denied, against 22.8% for all lenders in the state and 16.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which New Hampshire counties does Granite State Credit Union lend in most?
By originations: Hillsborough County (76), Merrimack County (70), Belknap County (37), Rockingham County (36).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New Hampshire. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.