Grafton County
New Hampshire · FIPS 33009
According to CFPB HMDA 2024 application volume among U.S. counties, Grafton County ranks #723 of 3,210, and #6 of 10 in New Hampshire.
Mortgage lending activity in Grafton 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. Grafton County, New Hampshire saw 2,995 HMDA-reported mortgage applications in 2024. Lenders originated 1,683 of those loans and denied 559, producing a denial rate of 18.7% and an approval (origination) rate of 56.2%. The average loan amount was $277,694 at an average note rate of 7.30%, with applicants self-reporting average annual income of $37K. 208 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.5x, meaning typical borrowers took on mortgages of about 7.5 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 Grafton County
In Grafton County, lead originator Mascoma Bank funded only 10.9% of 1,683 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Grafton County's 2,995 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Grafton County's $277,694 average loan (deduped against volume peers).
Lenders active in Grafton County
Mascoma Bank funded 183 of the 1,683 loans originated in Grafton County, 10.9% of the county. 208 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Mascoma Bank | 183 | 10.9% |
| 2 | EMM Loans LLC | 134 | 8.0% |
| 3 | Union Bank | 99 | 5.9% |
| 4 | Rocket Mortgage | 98 | 5.8% |
| 5 | CBNA Year to Date | 97 | 5.8% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Grafton County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Grafton County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. 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.