Arc Home in New Hampshire vs the state
9.1%Denial rate-7.40 pts vs state
14.3%Decision denial rate-5.98 pts vs state
54.6%Origination rate-7.16 pts vs state
7.31%Median rate+0.49 pts vs state
0.72Rate spread (pts)+0.48 pts vs state
$168kMedian applicant income
12Loans originated
2Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 18 | 4.6% | 7.63% | #155 |
| 2024 | 15 | 10 | 6.7% | 7.56% | #209 |
| 2025 | 22 | 12 | 9.1% | 7.31% | #182 |
What Arc Home lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockingham County | 7 | 2 | 1 | 14.3% |
| Hillsborough County | 5 | 3 | 1 | 20.0% |
| Carroll County | 3 | 1 | 0 | 0.0% |
| Belknap County | 3 | 3 | 0 | 0.0% |
| Grafton County | 2 | 1 | 0 | 0.0% |
| Strafford County | 1 | 1 | 0 | 0.0% |
| Cheshire County | 1 | 1 | 0 | 0.0% |
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: 22 applications in 2025, of which 12 were originated and 2 denied.
9.1% of all applications, or 14.3% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Arc Home originated in New Hampshire in 2025 was 7.31%, against a statewide median of 6.82%.
About this data. Figures are Arc Home'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