21st Mortgage in New Hampshire vs the state
48.9%Denial rate+32.38 pts vs state
75.1%Decision denial rate+54.85 pts vs state
15.2%Origination rate-46.50 pts vs state
9.87%Median rate+3.05 pts vs state
4.15Rate spread (pts)+3.91 pts vs state
$77kMedian applicant income
47Loans originated
151Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 356 | 48 | 51.4% | 9.82% | #33 |
| 2024 | 346 | 48 | 48.6% | 10.01% | #38 |
| 2025 | 309 | 47 | 48.9% | 9.87% | #47 |
What 21st Mortgage lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Strafford County | 60 | 14 | 28 | 46.7% |
| Rockingham County | 58 | 9 | 29 | 50.0% |
| Hillsborough County | 51 | 7 | 23 | 45.1% |
| Merrimack County | 33 | 5 | 15 | 45.5% |
| Grafton County | 25 | 2 | 13 | 52.0% |
| Carroll County | 20 | 5 | 7 | 35.0% |
| Sullivan County | 20 | 3 | 8 | 40.0% |
| Cheshire County | 18 | 1 | 9 | 50.0% |
| Belknap County | 14 | 0 | 11 | 78.6% |
| Coos County | 10 | 1 | 8 | 80.0% |
Other large lenders in New Hampshire
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 4,969 | 24.3% | 7.40% |
| CMG Mortgage | A | 3,499 | 2.5% | 6.63% |
| Rocket Mortgage | C | 3,090 | 17.0% | 6.75% |
| United Shore Financial Services | B | 2,488 | 8.8% | 6.50% |
| Service Federal Credit Union | C | 2,300 | 25.5% | 6.49% |
| TD Bank | D | 1,811 | 22.5% | 7.54% |
| St. Mary's Bank Credit Union | B | 1,514 | 21.2% | 7.25% |
| Lighthouse Federal Credit Union | D | 1,311 | 34.3% | 7.49% |
| Digital | D | 1,129 | 20.3% | 7.74% |
| Bank of America | F | 1,068 | 28.9% | 5.99% |
Frequently asked questions
New Hampshire: 309 applications in 2025, of which 47 were originated and 151 denied.
48.9% of all applications, or 75.1% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans 21st Mortgage originated in New Hampshire in 2025 was 9.87%, against a statewide median of 6.82%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in New Hampshire, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology