Merrimack Valley in New Hampshire vs the state
9.1%Denial rate-7.40 pts vs state
10.3%Decision denial rate-9.97 pts vs state
74.9%Origination rate+13.16 pts vs state
7.25%Median rate+0.43 pts vs state
0.20Rate spread (pts)-0.04 pts vs state
$137kMedian applicant income
140Loans originated
17Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 191 | 149 | 6.8% | 7.13% | #50 |
| 2024 | 186 | 150 | 9.1% | 7.75% | #55 |
| 2025 | 187 | 140 | 9.1% | 7.25% | #59 |
What Merrimack Valley lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Merrimack Valley applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockingham County | 152 | 116 | 13 | 8.6% |
| Hillsborough County | 18 | 11 | 3 | 16.7% |
| Carroll County | 5 | 4 | 0 | 0.0% |
| Strafford County | 3 | 2 | 0 | 0.0% |
| Cheshire County | 3 | 2 | 0 | 0.0% |
| Grafton County | 3 | 2 | 1 | 33.3% |
| Belknap County | 2 | 2 | 0 | 0.0% |
| Merrimack 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: 187 applications in 2025, of which 140 were originated and 17 denied.
9.1% of all applications, or 10.3% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Merrimack Valley originated in New Hampshire in 2025 was 7.25%, against a statewide median of 6.82%.
About this data. Figures are Merrimack Valley'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