Bay Equity in New Hampshire vs the state
15.4%Denial rate-1.11 pts vs state
21.1%Decision denial rate+0.78 pts vs state
57.7%Origination rate-4.02 pts vs state
6.75%Median rate-0.07 pts vs state
0.33Rate spread (pts)+0.09 pts vs state
$124kMedian applicant income
15Loans originated
4Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 41 | 5.6% | 6.75% | #106 |
| 2024 | 86 | 57 | 8.1% | 6.63% | #90 |
| 2025 | 26 | 15 | 15.4% | 6.75% | #172 |
What Bay Equity lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Bay Equity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 11 | 6 | 2 | 18.2% |
| Rockingham County | 9 | 6 | 1 | 11.1% |
| Strafford County | 2 | 1 | 0 | 0.0% |
| Carroll County | 2 | 0 | 1 | 50.0% |
| Belknap County | 1 | 1 | 0 | 0.0% |
| Merrimack 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: 26 applications in 2025, of which 15 were originated and 4 denied.
15.4% of all applications, or 21.1% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Bay Equity originated in New Hampshire in 2025 was 6.75%, against a statewide median of 6.82%.
About this data. Figures are Bay Equity'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