Commerce Home Mortgage in New Hampshire vs the state
10.7%Denial rate-5.78 pts vs state
14.3%Decision denial rate-5.98 pts vs state
64.3%Origination rate+2.58 pts vs state
8.75%Median rate+1.93 pts vs state
2.57Rate spread (pts)+2.33 pts vs state
$174kMedian applicant income
18Loans originated
3Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 12 | 27.3% | 8.25% | #156 |
| 2024 | 12 | 5 | 16.7% | 8.88% | #228 |
| 2025 | 28 | 18 | 10.7% | 8.75% | #168 |
What Commerce Home 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 Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockingham County | 11 | 7 | 2 | 18.2% |
| Hillsborough County | 6 | 5 | 0 | 0.0% |
| Strafford County | 3 | 2 | 0 | 0.0% |
| Carroll County | 3 | 1 | 1 | 33.3% |
| Merrimack County | 2 | 1 | 0 | 0.0% |
| Sullivan County | 2 | 1 | 0 | 0.0% |
| Grafton 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: 28 applications in 2025, of which 18 were originated and 3 denied.
10.7% 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 Commerce Home Mortgage originated in New Hampshire in 2025 was 8.75%, against a statewide median of 6.82%.
About this data. Figures are Commerce Home 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