Emm Loans in New Hampshire vs the state
1.3%Denial rate-15.20 pts vs state
1.4%Decision denial rate-18.85 pts vs state
86.9%Origination rate+25.14 pts vs state
6.63%Median rate-0.20 pts vs state
0.30Rate spread (pts)+0.06 pts vs state
$145kMedian applicant income
806Loans originated
12Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 435 | 349 | 4.4% | 6.88% | #28 |
| 2024 | 870 | 760 | 1.2% | 6.88% | #14 |
| 2025 | 928 | 806 | 1.3% | 6.63% | #15 |
What Emm Loans lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockingham County | 222 | 200 | 1 | 0.5% |
| Hillsborough County | 217 | 188 | 4 | 1.8% |
| Grafton County | 145 | 131 | 1 | 0.7% |
| Merrimack County | 125 | 102 | 2 | 1.6% |
| Sullivan County | 79 | 67 | 1 | 1.3% |
| Strafford County | 54 | 48 | 1 | 1.9% |
| Belknap County | 35 | 29 | 2 | 5.7% |
| Cheshire County | 23 | 18 | 0 | 0.0% |
| Carroll County | 22 | 18 | 0 | 0.0% |
| Coos County | 6 | 5 | 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: 928 applications in 2025, of which 806 were originated and 12 denied.
1.3% of all applications, or 1.4% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Emm Loans originated in New Hampshire in 2025 was 6.63%, against a statewide median of 6.82%.
About this data. Figures are Emm Loans'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