New Hampshire mortgage lenders: applications, originations, denial rate and counties, 2024

States › New Hampshire

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. Record year 2024.

New Hampshire had 50,221 HMDA-reported mortgage applications and 30,237 originations ($9.7bn) in 2024, from 161 lenders with at least 25 applications in the state.

The statewide denial rate was 22.8% (national 24.3%) and the median rate spread 0.4 percentage points (national 0.3). Originations ran at 54.4 per 1,000 households, against 48.0 nationally.

Originations in the state went from 37,550 in 2018 to 30,237 in 2024; the denial rate moved from 24.2% to 22.8%.

The most active lenders by originations were CBNA Year to Date (2,306), CMG Mortgage Inc (2,055) and Rocket Mortgage (1,664).

50,221applications, 2024

30,237loans originated$9.7bn

22.8%denial rateUS 24.3%

54.4originations per 1,000 householdsUS 48.0

Most active lenders in New Hampshire

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	CBNA Year to Date	3,781	2,306	$503m	30.2%	0.5
2	CMG Mortgage Inc	2,930	2,055	$761m	5.1%	0.4
3	Rocket Mortgage	2,227	1,664	$427m	17.4%	0.5
4	United Wholesale Mortgage	1,808	1,476	$591m	9.0%	0.3
5	Service Federal Credit Union	2,114	1,197	$217m	31.9%	-0.9
6	TD Bank	1,686	945	$188m	30.7%	0.5
7	St. Mary'S Bank CU	1,369	869	$190m	26.8%	0.1
8	Lighthouse Federal Credit Union	1,498	809	$101m	35.2%	0.5
9	Guild Mortgage Company	1,063	768	$258m	7.0%	0.4
10	EMM Loans LLC	870	760	$303m	1.2%	0.4
11	Digital Federal Credit Union	1,342	671	$112m	33.0%	0.3
12	Crosscountry Mortgage, LLC	873	623	$253m	2.6%	0.5
13	Fairway Independent Mort Corp	760	593	$205m	6.0%	0.4
14	Meredith Village Savings Bank	843	562	$132m	21.2%	0.4
15	Movement Mortgage, LLC	615	452	$182m	5.8%	0.3
16	Bank of America NA	1,102	443	$118m	42.4%	1.2
17	Loandepot.com, LLC	744	428	$134m	25.1%	0.5
18	Mascoma Bank	564	397	$139m	17.7%	-0.6
19	Guaranteed Rate, Inc.	560	389	$170m	9.4%	0.2
20	Harborone Mortgage, LLC	457	343	$133m	10.6%	0.2
21	Mortgage Research Center	629	314	$124m	25.0%	-0.2
22	Navy Federal Credit Union	555	295	$76m	23.3%	0.6
23	Figure Lending LLC	578	279	$24m	30.0%	3.8
24	Pennymac Loan Services LLC	542	273	$80m	20.1%	0.4
25	Nationstar Mortgage	405	268	$60m	19.0%	1.3
26	M&T Bank	432	267	$76m	31.0%	0.5
27	Bellwether Community Credit Union	389	262	$49m	21.6%	0.1
28	Holy Rosary Regional Credit Union	334	242	$32m	8.9%	0.4
29	Granite State Credit Union	502	241	$33m	16.2%	1.9
30	Bangor Savings Bank	380	239	$118m	25.1%	-0.1
31	Bar Harbor Bank & Trust	386	237	$97m	24.9%	0.3
32	Leader Bank NA	239	199	$85m	2.9%	-0.1
33	Discover Bank	1,248	194	$18m	74.3%	2.0
34	Merrimack County Savings Bank	325	193	$73m	22.2%	1.3
35	Freedom Mortgage Corporation	424	189	$69m	19.4%	0.4
36	Total Mortgage Services, LLC	216	185	$74m	1.1%	0.5
37	Eastern Bank	294	183	$147m	28.3%	1.7
38	Northpoint Mortgage, Inc.	239	183	$71m	7.1%	0.3
39	Newrez LLC	532	178	$47m	38.9%	1.0
40	Spring Eq, LLC	601	177	$17m	63.4%	3.6
41	American Neighborhood Mortgage Acceptance Company	209	170	$74m	3.4%	0.4
42	New American Funding, LLC.	479	168	$53m	27.1%	0.5
43	Envoy Mortgage, Ltd	210	166	$61m	4.6%	0.5
44	Keystone Funding, Inc	186	162	$70m	3.8%	0.3
45	Union Bank	190	157	$58m	2.5%	0.6
46	Jeanne D'Arc Credit Union	197	154	$37m	11.0%	0.4
47	Luminate Home Loans, Inc.	207	153	$56m	3.2%	0.5
48	Merrimack Valley Credit Union	186	150	$28m	9.9%	0.4
49	JPMorgan Chase Bank, NA	208	120	$75m	11.9%	0.1
50	Primelending	171	118	$46m	7.7%	0.3
51	Coastal Community Bank	450	116	$8.3m	1.3%	4.5
52	Amerisave Mortgage Company	694	115	$20m	80.0%	3.0
53	Mutual of Omaha Mortgage	184	107	$35m	26.5%	0.5
54	Us Bank, N.A.	211	105	$33m	43.1%	0.6
55	Enterprise Bank and Trust Company	137	105	$72m	5.4%	-0.1
56	Salem Five Mortgage Company LLC	131	101	$43m	11.4%	0.2
57	Amerant Mortgage LLC	119	99	$41m	9.8%	0.4
58	Northway Bank	178	94	$22m	29.9%	0.8
59	Mortgage Equity Partners LLC	111	92	$39m	5.2%	0.4
60	Members First Credit Union of Nh	121	91	$10m	13.8%	—

Top 60 of 161 lenders with at least 25 applications in the state, by originations. 81 lenders have 100 or more applications here and link to a state-specific page.

Compared with the nation

Measure	New Hampshire	United States
Denial rate	22.8%	24.3%
Median rate spread, pp	0.4	0.3
Originations with spread of 1.5 pp or more	15.9%	15.6%
Average originated loan	$320k	$329k
Originations per 1,000 households	54.4	48.0
Home purchase share of originations	46.9%	57.0%
FHA-insured share	7.2%	13.4%
VA-guaranteed share	5.7%	7.9%

Trend, 2018–2024

ApplicationsOriginations

Applications and originations in New Hampshire by year

New HampshireUnited States

Denial rate by year, US dashed

FHA share of originationsVA share

FHA-insured and VA-guaranteed shares of originations in New Hampshire by year

Year	Applications	Originations	Amount	Denial rate	FHA	VA	Refinance share
2018	61,515	37,550	$8.5bn	24.2%	11.2%	6.1%	30.2%
2019	71,511	45,601	$11bn	20.3%	11.1%	7.8%	41.6%
2020	109,571	73,408	$20bn	14.7%	7.3%	7.6%	62.4%
2021	111,022	75,037	$22bn	14.7%	6.7%	6.5%	62.4%
2022	66,301	41,686	$13bn	20.3%	6.4%	4.7%	32.0%
2023	46,247	27,629	$8.0bn	23.6%	7.3%	4.4%	21.5%
2024	50,221	30,237	$9.7bn	22.8%	7.2%	5.7%	25.4%

Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).

Loan purpose and loan type, 2024

By purpose

Home purchase 47% (14,195)Home improvement 14% (4,294)Refinancing 12% (3,579)Cash-out refinancing 14% (4,091)Other purpose 13% (4,078)

By type

Conventional 87% (26,276)FHA 7% (2,169)VA 6% (1,731)USDA 0% (61)

Counties

County	Applications	Originations	Per 1,000 households	Denial rate	Median spread	Lenders
Hillsborough County	14,404	8,761	51.9	22.3%	0.3	79
Rockingham County	12,685	7,712	60.5	22.7%	0.3	83
Merrimack County	5,331	3,212	52.7	22.4%	0.4	48
Strafford County	4,560	2,811	54.0	21.0%	0.4	41
Grafton County	2,855	1,686	45.4	24.1%	0.3	25
Belknap County	2,842	1,680	63.8	23.6%	0.4	30
Carroll County	2,664	1,612	73.8	22.1%	0.5	24
Cheshire County	2,260	1,312	42.8	25.9%	0.4	23
Sullivan County	1,365	809	48.7	23.3%	0.4	11
Coos County	1,155	627	44.8	29.4%	0.5	13

By originations. Lenders: those with at least 25 applications in the county.

VA-guaranteed loans by month

VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of New Hampshire originations by year is charted above from HMDA.

Questions and answers

Which mortgage lenders are most active in New Hampshire?

By 2024 originations: CBNA Year to Date (2,306), CMG Mortgage Inc (2,055), Rocket Mortgage (1,664), United Wholesale Mortgage (1,476), Service Federal Credit Union (1,197). 161 lenders had at least 25 applications in the state.

What is the mortgage denial rate in New Hampshire?

22.8% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

How has mortgage lending in New Hampshire changed since 2018?

Originations went from 37,550 in 2018 to 30,237 in 2024; the denial rate moved from 24.2% to 22.8%.

Where does this data come from?

From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.