Direct Federal Credit Union in New Hampshire vs the state
30.0%Denial rate+13.51 pts vs state
33.3%Decision denial rate+13.06 pts vs state
60.0%Origination rate-1.71 pts vs state
—Median rate
—Rate spread (pts)
$210kMedian applicant income
12Loans originated
6Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 5 | 46.2% | 6.38% | #205 |
| 2024 | 11 | 8 | 27.3% | 8.00% | #239 |
| 2025 | 20 | 12 | 30.0% | — | #187 |
What Direct Federal Credit Union lends in New Hampshire
By loan purpose
By loan type
Where in New Hampshire
Counties with the most Direct Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 13 | 7 | 4 | 30.8% |
| Rockingham County | 5 | 4 | 1 | 20.0% |
| Belknap County | 2 | 1 | 1 | 50.0% |
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: 20 applications in 2025, of which 12 were originated and 6 denied.
30.0% of all applications, or 33.3% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Direct Federal Credit Union'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