First Federal Bank in New Hampshire vs the state
8.5%Denial rate-7.98 pts vs state
13.8%Decision denial rate-6.48 pts vs state
53.2%Origination rate-8.52 pts vs state
5.99%Median rate-0.83 pts vs state
-0.32Rate spread (pts)-0.56 pts vs state
$165kMedian applicant income
25Loans originated
4Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 7 | 6.7% | 6.00% | #189 |
| 2024 | 43 | 22 | 2.3% | 5.94% | #125 |
| 2025 | 47 | 25 | 8.5% | 5.99% | #137 |
What First Federal 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 First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 16 | 12 | 0 | 0.0% |
| Rockingham County | 10 | 3 | 2 | 20.0% |
| Merrimack County | 5 | 3 | 0 | 0.0% |
| Belknap County | 4 | 2 | 0 | 0.0% |
| Grafton County | 4 | 2 | 0 | 0.0% |
| Sullivan County | 3 | 2 | 1 | 33.3% |
| Carroll County | 2 | 0 | 0 | 0.0% |
| Strafford County | 1 | 1 | 0 | 0.0% |
| Coos County | 1 | 0 | 1 | 100.0% |
| Cheshire County | 1 | 0 | 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: 47 applications in 2025, of which 25 were originated and 4 denied.
8.5% of all applications, or 13.8% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans First Federal Bank originated in New Hampshire in 2025 was 5.99%, against a statewide median of 6.82%.
About this data. Figures are First Federal 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