Lower in New Hampshire vs the state
9.4%Denial rate-7.08 pts vs state
15.4%Decision denial rate-4.89 pts vs state
51.8%Origination rate-9.95 pts vs state
6.63%Median rate-0.20 pts vs state
0.47Rate spread (pts)+0.24 pts vs state
$122kMedian applicant income
44Loans originated
8Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 8 | 35.7% | 6.94% | #199 |
| 2024 | 34 | 10 | 23.5% | 6.75% | #138 |
| 2025 | 85 | 44 | 9.4% | 6.63% | #90 |
What Lower lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 35 | 19 | 4 | 11.4% |
| Rockingham County | 16 | 8 | 1 | 6.3% |
| Merrimack County | 14 | 10 | 1 | 7.1% |
| Cheshire County | 5 | 0 | 0 | 0.0% |
| Sullivan County | 5 | 1 | 1 | 20.0% |
| Grafton County | 3 | 2 | 0 | 0.0% |
| Strafford County | 2 | 1 | 1 | 50.0% |
| Belknap County | 2 | 1 | 0 | 0.0% |
| Carroll County | 2 | 1 | 0 | 0.0% |
| Coos 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: 85 applications in 2025, of which 44 were originated and 8 denied.
9.4% of all applications, or 15.4% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Lower originated in New Hampshire in 2025 was 6.63%, against a statewide median of 6.82%.
About this data. Figures are Lower'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