Citizens Bank in New Hampshire vs the state
24.3%Denial rate+7.76 pts vs state
26.8%Decision denial rate+6.49 pts vs state
64.3%Origination rate+2.57 pts vs state
7.40%Median rate+0.58 pts vs state
0.20Rate spread (pts)-0.04 pts vs state
$113kMedian applicant income
3,194Loans originated
1,205Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,199 | 2,520 | 29.8% | 8.25% | #1 |
| 2024 | 3,781 | 2,306 | 27.1% | 8.65% | #1 |
| 2025 | 4,969 | 3,194 | 24.3% | 7.40% | #1 |
What Citizens Bank lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 1,546 | 988 | 384 | 24.8% |
| Rockingham County | 1,497 | 1,003 | 323 | 21.6% |
| Merrimack County | 491 | 322 | 110 | 22.4% |
| Strafford County | 363 | 243 | 77 | 21.2% |
| Carroll County | 296 | 166 | 83 | 28.0% |
| Belknap County | 253 | 157 | 72 | 28.5% |
| Grafton County | 248 | 159 | 67 | 27.0% |
| Sullivan County | 109 | 61 | 43 | 39.4% |
| Cheshire County | 86 | 51 | 24 | 27.9% |
| Coos County | 80 | 44 | 22 | 27.5% |
Other large lenders in New Hampshire
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Guild Mortgage | A | 970 | 5.5% | 6.63% |
Frequently asked questions
New Hampshire: 4,969 applications in 2025, of which 3,194 were originated and 1,205 denied.
24.3% of all applications, or 26.8% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Citizens Bank originated in New Hampshire in 2025 was 7.40%, against a statewide median of 6.82%.
About this data. Figures are Citizens Bank'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