PlainLender

NORTHEAST HOME LOAN, LLC

WEST CHESTERFIELD, NH

NORTHEAST HOME LOAN, LLC processed 726 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 617 loans with a 2.6% denial rate. Home Purchase was the primary loan purpose. Based in WEST CHESTERFIELD, NH. The approval rate of 85.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. NORTHEAST HOME LOAN, LLC processed 726 HMDA-reported mortgage applications in 2024, originating 617 loans and denying 19 for a denial rate of 2.6% (applicants themselves withdrew 50 files before a decision). The average loan amount was $381,019 at a 6.841% average note rate, and applicants self-reported an average income of $36,000. The lender reports under LEI 549300DQMFK1KT7KEB48 from WEST CHESTERFIELD, NH.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. NORTHEAST HOME LOAN, LLC's 85.0% origination rate tells you how often an application turned into funded money; the 2.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Collateral, Debt-to-income ratio, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (708 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

726
Applications
617
Originated
2.6%
Denial Rate
$381,019
Avg Loan Amount
Avg Interest Rate: 6.841% Avg Applicant Income: $36,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 708 606 18 $381,992
VA 12 8 1 $397,500
USDA 6 3 0 $233,333

Top loan types — NORTHEAST HOME LOAN, LLC

Top loan types — NORTHEAST HOME LOAN, LLC Horizontal bar chart of the top 3 items by value (applications). Top loan types — NORTHEAST HOME LOAN, LLC Top 3 1. Conventional 708 2. VA 12 3. USDA 6 Top 5 loan types by application volume at NORTHEAST HOME LOAN, LLC (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for NORTHEAST HOME LOAN, LLC (LEI: 549300DQMFK1KT7KEB48) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Collateral
6
Debt-to-income ratio
5
Credit history
4
Employment history
2
Insufficient cash
2
Other
1
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 639 549 $374,311
Refinancing 60 47 $481,833
Cash-out Refinancing 26 20 $319,231
Other 1 1 $225,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 513 85.2% 2.9%
Asian 17 88.2% 0.0%
Joint 16 81.3% 6.3%
Black or African American 8 37.5% 37.5%
American Indian or Alaska Native 3 66.7% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 530 84.2% 3.4%
Hispanic or Latino 19 89.5% 5.3%
Joint 8 100.0% 0.0%

Nearby Lenders in NH

Other HMDA-reporting lenders in NH with similar activity. Compare any two side-by-side.

SERVICE FEDERAL CREDIT UNION

PORTSMOUTH, NH

3,501 apps 1,834 originated 26.9% denied

LIGHTHOUSE FEDERAL CREDIT UNION

PORTSMOUTH, NH

2,531 apps 1,206 originated 29.8% denied

HARBORONE MORTGAGE, LLC

MANCHESTER, NH

2,207 apps 1,557 originated 9.5% denied

ST. MARY'S BANK CU

MANCHESTER, NH

1,395 apps 883 originated 24.5% denied

Mascoma Bank

Lebanon, NH

1,244 apps 864 originated 15.4% denied
Compare NORTHEAST HOME LOAN, LLC vs SERVICE FEDERAL CREDIT UNION →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

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Frequently Asked Questions

How many mortgage applications did NORTHEAST HOME LOAN, LLC process?
NORTHEAST HOME LOAN, LLC processed 726 mortgage applications in the 2023 HMDA reporting year. Of these, 617 were originated (approved and funded), 50 were withdrawn by the applicant, and 19 were denied.
What is NORTHEAST HOME LOAN, LLC's mortgage approval rate?
NORTHEAST HOME LOAN, LLC has an approval (origination) rate of 85.0%, meaning 85.0% of all applications resulted in a funded mortgage. The denial rate is 2.6%.
What is the average loan amount at NORTHEAST HOME LOAN, LLC?
The average mortgage loan amount at NORTHEAST HOME LOAN, LLC is $381,019. The average interest rate is 6.841%. The average applicant income is $36,000.
What are the most common reasons for mortgage denial at NORTHEAST HOME LOAN, LLC?
The most common reasons for mortgage denial at NORTHEAST HOME LOAN, LLC are: Collateral, Debt-to-income ratio, Credit history. In total, 19 applications were denied out of 726 total applications.
What types of mortgage loans does NORTHEAST HOME LOAN, LLC offer?
NORTHEAST HOME LOAN, LLC processes Conventional, VA, USDA loans. The most common type is Conventional with 708 applications and an average loan amount of $381,992.
What loan purposes does NORTHEAST HOME LOAN, LLC serve?
NORTHEAST HOME LOAN, LLC serves the following loan purposes: Home Purchase (639 applications), Refinancing (60 applications), Cash-out Refinancing (26 applications), Other (1 applications). Home Purchase is the most common purpose.
Where is NORTHEAST HOME LOAN, LLC located?
NORTHEAST HOME LOAN, LLC is headquartered in WEST CHESTERFIELD, NH. The lender is identified by LEI 549300DQMFK1KT7KEB48 in HMDA data.
How does NORTHEAST HOME LOAN, LLC compare in lending across racial demographics?
NORTHEAST HOME LOAN, LLC reports demographic lending data under HMDA requirements. White applicants have an approval rate of 85.2% and denial rate of 2.9%; Asian applicants have an approval rate of 88.2% and denial rate of 0.0%; Joint applicants have an approval rate of 81.3% and denial rate of 6.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.