Granite State Credit Union in New Hampshire vs the state
7.8%Denial rate-8.74 pts vs state
10.5%Decision denial rate-9.82 pts vs state
59.8%Origination rate-1.93 pts vs state
7.50%Median rate+0.68 pts vs state
1.37Rate spread (pts)+1.13 pts vs state
$119kMedian applicant income
324Loans originated
42Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 507 | 274 | 8.3% | 8.00% | #20 |
| 2024 | 502 | 241 | 11.8% | 8.25% | #28 |
| 2025 | 542 | 324 | 7.8% | 7.50% | #29 |
What Granite State Credit Union lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Granite State Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 177 | 110 | 16 | 9.0% |
| Merrimack County | 141 | 77 | 14 | 9.9% |
| Rockingham County | 102 | 65 | 5 | 4.9% |
| Belknap County | 70 | 44 | 4 | 5.7% |
| Grafton County | 14 | 9 | 0 | 0.0% |
| Strafford County | 11 | 8 | 0 | 0.0% |
| Carroll County | 8 | 5 | 1 | 12.5% |
| Coos County | 7 | 2 | 2 | 28.6% |
| Sullivan County | 5 | 2 | 0 | 0.0% |
| Cheshire County | 3 | 2 | 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: 542 applications in 2025, of which 324 were originated and 42 denied.
7.8% of all applications, or 10.5% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Granite State Credit Union originated in New Hampshire in 2025 was 7.50%, against a statewide median of 6.82%.
About this data. Figures are Granite State 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