Luminate Home Loans in New Hampshire vs the state
3.9%Denial rate-12.64 pts vs state
5.0%Decision denial rate-15.27 pts vs state
69.2%Origination rate+7.52 pts vs state
7.13%Median rate+0.30 pts vs state
0.78Rate spread (pts)+0.54 pts vs state
$122kMedian applicant income
18Loans originated
1Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 233 | 172 | 0.9% | 6.75% | #43 |
| 2024 | 207 | 153 | 2.4% | 6.99% | #50 |
| 2025 | 26 | 18 | 3.9% | 7.13% | #174 |
What Luminate Home Loans 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 Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Merrimack County | 6 | 4 | 0 | 0.0% |
| Strafford County | 6 | 6 | 0 | 0.0% |
| Hillsborough County | 5 | 3 | 0 | 0.0% |
| Rockingham County | 4 | 3 | 1 | 25.0% |
| Grafton County | 2 | 1 | 0 | 0.0% |
| Sullivan County | 1 | 1 | 0 | 0.0% |
| Cheshire County | 1 | 0 | 0 | 0.0% |
| Coos 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: 26 applications in 2025, of which 18 were originated and 1 denied.
3.9% of all applications, or 5.0% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Luminate Home Loans originated in New Hampshire in 2025 was 7.13%, against a statewide median of 6.82%.
About this data. Figures are Luminate Home Loans'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