Luminate Bank in New Hampshire vs the state
2.6%Denial rate-13.91 pts vs state
3.8%Decision denial rate-16.50 pts vs state
65.7%Origination rate+3.96 pts vs state
6.88%Median rate+0.05 pts vs state
0.46Rate spread (pts)+0.22 pts vs state
$132kMedian applicant income
153Loans originated
6Denied
What Luminate 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 Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockingham County | 78 | 47 | 2 | 2.6% |
| Strafford County | 60 | 37 | 0 | 0.0% |
| Hillsborough County | 43 | 33 | 1 | 2.3% |
| Merrimack County | 19 | 16 | 0 | 0.0% |
| Carroll County | 9 | 6 | 1 | 11.1% |
| Cheshire County | 8 | 6 | 0 | 0.0% |
| Belknap County | 7 | 3 | 1 | 14.3% |
| Grafton County | 6 | 3 | 0 | 0.0% |
| Sullivan County | 3 | 2 | 1 | 33.3% |
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: 233 applications in 2025, of which 153 were originated and 6 denied.
2.6% of all applications, or 3.8% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Luminate Bank originated in New Hampshire in 2025 was 6.88%, against a statewide median of 6.82%.
About this data. Figures are Luminate 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