Holy Rosary Regional Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st10.6% deniedPricingmedian rate spread over APOR, weight 30%
62nd-0.07 ptsProcesswithdrawn + incomplete share, weight 15%
28th16.7%Closing coststotal loan costs ÷ loan amount, weight 10%
82nd1.82% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 462 | 328 | 9.3% | 11.4% | 6.99% | $38M |
| 2024 | 393 | 283 | 8.1% | 10.1% | 7.50% | $37M |
| 2025 | 407 | 298 | 8.9% | 10.6% | 6.50% | $52M |
What Holy Rosary Regional Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 232 home-equity lines, 0 reverse mortgages, 23 manufactured homes, 2 investment properties.
Why Holy Rosary Regional Credit Union denies applications
Primary reason reported for each of the 36 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Holy Rosary Regional Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 34 | 21 | 25.0% |
| $50k – $100k | 122 | 88 | 12.6% |
| $100k – $150k | 115 | 82 | 7.9% |
| $150k – $250k | 91 | 75 | 5.0% |
| Over $250k | 40 | 28 | 11.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 58 | 43 | 4.3% |
| 35–44 | 95 | 67 | 13.8% |
| 45–54 | 99 | 73 | 14.1% |
| 55–64 | 91 | 69 | 8.0% |
| 65–74 | 48 | 34 | 7.9% |
Where Holy Rosary Regional Credit Union lends
5 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Hampshire | 364 | 263 | 9.1% | 6.50% | #42 |
| Maine | 40 | 34 | 2.5% | 6.50% | #135 |
Frequently asked questions
Holy Rosary Regional Credit Union denied 10.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of home-equity (HELOC) lenders.
The most common reason Holy Rosary Regional Credit Union gave in 2025 was "debt-to-income ratio", cited on 61.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Holy Rosary Regional Credit Union originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was -0.07 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 17% of its applications were for home purchases, 32% for refinancing (including cash-out), and 50% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.