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2024 data HMDA 2024 disclosure official source

Strafford County

4,840 mortgage applications, 16.3% denial rate. Verify FIPS 33017 with U.S. Census Bureau →

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New Hampshire · FIPS 33017

Local mortgage market. Strafford County, New Hampshire saw 4,840 HMDA-reported mortgage applications in 2024. Lenders originated 2,807 of those loans and denied 787, producing a denial rate of 16.3% and an approval (origination) rate of 58.0%. The average loan amount was $306,455 at an average note rate of 7.36%, with applicants self-reporting average annual income of $38K. 206 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.1x, meaning typical borrowers took on mortgages of about 8.1 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.

FIPS 33017 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,840
Applications
2,807
Originated
16.3%
Denial Rate
58.0%
Approval Rate
$306,455
Avg Loan Amount
7.36%
Avg Interest Rate
$38K
Avg Applicant Income
8.1x
Loan-to-Income Ratio

Nearby Lenders in Strafford County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Cmg Mortgage INC 258 9.2%
2 Lighthouse Federal Credit Union 214 7.6%
3 CBNA Year to Date 194 6.9%
4 Holy Rosary Regional Credit Union 172 6.1%
5 Service Federal Credit Union 164 5.8%
Compare Cmg Mortgage INC vs Lighthouse Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Strafford County?
In the 2024 HMDA reporting year, 4,840 mortgage applications were filed in Strafford County, New Hampshire. Of these, 2,807 were originated (approved and funded), while 787 were denied, resulting in a denial rate of 16.3%.
What is the mortgage denial rate in Strafford County?
The mortgage denial rate in Strafford County is 16.3%. The approval (origination) rate is 58.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Strafford County?
The average mortgage loan amount in Strafford County is $306,455. The average interest rate is 7.362%. The average applicant income is $38K.
What is the loan-to-income ratio in Strafford County?
The average loan-to-income ratio in Strafford County is 8.1x, meaning borrowers took on loans averaging 8.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Strafford County?
The top mortgage lenders in Strafford County by origination volume are Cmg Mortgage INC, Lighthouse Federal Credit Union, CBNA Year to Date. In total, 206 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.