New Hampshire Mortgage Lending
447 lenders reporting under HMDA
Statewide mortgage activity. Lenders filed 53,683 HMDA-reported mortgage applications in New Hampshire in 2024, originating 30,185 loans and denying 9,417. That puts the statewide denial rate at 17.5% and the approval (origination) rate at 56.2%. The average loan amount across New Hampshire was $298,297 at an average note rate of 7.38%. 447 distinct institutions — banks, credit unions, and independent mortgage companies — filed HMDA data covering activity in the state. Applications span 10 counties and 3 metropolitan areas.
What drives state-level differences. State mortgage denial rates reflect applicant mix more than lender stance. Credit profiles, loan-to-value ratios, debt-to-income, property type, and rural-versus-urban composition all move the number before any lender policy does. Demographic lending data reported under HMDA shows variation across applicant groups — for example, White applicants had an approval rate of 61.2% and denial rate of 18.2%; while Asian applicants had an approval rate of 56.9% and denial rate of 16.4%. These are derived race categories as reported by applicants and do not by themselves prove causation; credit score, income, and loan-to-value are not reported in HMDA and drive much of the underlying variation. Top counties by volume include Hillsborough County, Rockingham County, Merrimack County.
How to read this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau — a federal transparency dataset, not a real-time market feed. A state-level number is useful for context but cannot tell you what rate, fees, or underwriting any individual lender will offer a specific borrower. This page is informational data reporting, not financial, legal, or mortgage advice. Shop at least three lenders, compare Loan Estimates line-by-line, and consult a licensed mortgage professional before applying. Data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset; demographic fields reflect derived categories as reported by applicants.
Nearby Lenders in New Hampshire
Top HMDA-reporting lenders active in New Hampshire. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | CBNA Year to Date | 2,306 | 7.6% |
| 2 | CMG MORTGAGE INC | 2,055 | 6.8% |
| 3 | ROCKET MORTGAGE | 1,664 | 5.5% |
| 4 | United Wholesale Mortgage | 1,476 | 4.9% |
| 5 | SERVICE FEDERAL CREDIT UNION | 1,197 | 4.0% |
Lending by Race in New Hampshire
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 39,739 | 61.2% | 18.2% |
| Asian | 1,455 | 56.9% | 16.4% |
| Joint | 740 | 62.4% | 15.0% |
| Black or African American | 542 | 49.3% | 25.1% |
| American Indian or Alaska Native | 176 | 48.9% | 27.8% |
| 2 or more minority races | 49 | 49.0% | 20.4% |
| Native Hawaiian or Other Pacific Islander | 41 | 43.9% | 26.8% |
Counties in New Hampshire
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Hillsborough County | 15,558 | 8,742 | 17.0% | $302,698 |
| Rockingham County | 13,568 | 7,697 | 17.5% | $328,425 |
| Merrimack County | 5,640 | 3,211 | 17.3% | $277,479 |
| Strafford County | 4,840 | 2,807 | 16.3% | $306,455 |
| Belknap County | 3,007 | 1,677 | 18.2% | $311,132 |
| Grafton County | 2,995 | 1,683 | 18.7% | $277,694 |
| Carroll County | 2,808 | 1,608 | 17.1% | $294,384 |
| Cheshire County | 2,386 | 1,309 | 20.1% | $241,509 |
| Sullivan County | 1,445 | 809 | 18.2% | $226,903 |
| Coos County | 1,216 | 627 | 22.5% | $182,007 |
Metro Areas in New Hampshire
Frequently Asked Questions
How many mortgage applications were filed in New Hampshire?
What is the mortgage denial rate in New Hampshire?
What is the average mortgage loan amount in New Hampshire?
How many mortgage lenders operate in New Hampshire?
How do mortgage denial rates vary by demographics in New Hampshire?
Which counties in New Hampshire have the most mortgage activity?
Mortgage Lending Guides
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.
