Envoy Mortgage in New Hampshire vs the state
2.6%Denial rate-13.85 pts vs state
3.5%Decision denial rate-16.79 pts vs state
72.8%Origination rate+11.12 pts vs state
6.63%Median rate-0.20 pts vs state
0.31Rate spread (pts)+0.07 pts vs state
$118kMedian applicant income
193Loans originated
7Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 197 | 153 | 5.1% | 6.88% | #47 |
| 2024 | 210 | 166 | 3.8% | 6.88% | #47 |
| 2025 | 265 | 193 | 2.6% | 6.63% | #50 |
What Envoy 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 Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Strafford County | 125 | 92 | 2 | 1.6% |
| Rockingham County | 45 | 32 | 1 | 2.2% |
| Carroll County | 28 | 22 | 2 | 7.1% |
| Cheshire County | 19 | 14 | 0 | 0.0% |
| Merrimack County | 15 | 9 | 0 | 0.0% |
| Hillsborough County | 14 | 10 | 0 | 0.0% |
| Belknap County | 14 | 11 | 1 | 7.1% |
| Sullivan County | 3 | 2 | 1 | 33.3% |
| 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: 265 applications in 2025, of which 193 were originated and 7 denied.
2.6% of all applications, or 3.5% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Envoy Mortgage originated in New Hampshire in 2025 was 6.63%, against a statewide median of 6.82%.
About this data. Figures are Envoy 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