Ocean State Credit Union in New Hampshire vs the state
22.6%Denial rate+6.09 pts vs state
25.0%Decision denial rate+4.73 pts vs state
67.7%Origination rate+6.03 pts vs state
7.00%Median rate+0.18 pts vs state
0.91Rate spread (pts)+0.67 pts vs state
$77kMedian applicant income
21Loans originated
7Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 5 | 28.6% | 7.50% | #268 |
| 2024 | 26 | 19 | 26.9% | 7.75% | #157 |
| 2025 | 31 | 21 | 22.6% | 7.00% | #159 |
What Ocean State Credit Union lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Ocean State Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockingham County | 15 | 13 | 0 | 0.0% |
| Strafford County | 10 | 7 | 3 | 30.0% |
| Hillsborough County | 2 | 0 | 1 | 50.0% |
| Merrimack County | 2 | 0 | 2 | 100.0% |
| Belknap County | 1 | 1 | 0 | 0.0% |
| Coos County | 1 | 0 | 1 | 100.0% |
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: 31 applications in 2025, of which 21 were originated and 7 denied.
22.6% of all applications, or 25.0% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Ocean State Credit Union originated in New Hampshire in 2025 was 7.00%, against a statewide median of 6.82%.
About this data. Figures are Ocean State Credit Union'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