Salem Five Cents Savings Bank in New Hampshire vs the state
16.9%Denial rate+0.39 pts vs state
23.6%Decision denial rate+3.37 pts vs state
48.1%Origination rate-13.66 pts vs state
5.99%Median rate-0.83 pts vs state
-1.23Rate spread (pts)-1.47 pts vs state
$145kMedian applicant income
37Loans originated
13Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 34 | 22.2% | 6.57% | #101 |
| 2024 | 75 | 47 | 10.7% | 7.24% | #95 |
| 2025 | 77 | 37 | 16.9% | 5.99% | #96 |
What Salem Five Cents Savings 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 Salem Five Cents Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockingham County | 50 | 24 | 9 | 18.0% |
| Hillsborough County | 15 | 8 | 3 | 20.0% |
| Grafton County | 4 | 0 | 1 | 25.0% |
| Merrimack County | 3 | 0 | 0 | 0.0% |
| Belknap County | 2 | 2 | 0 | 0.0% |
| Carroll County | 2 | 2 | 0 | 0.0% |
| Strafford 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: 77 applications in 2025, of which 37 were originated and 13 denied.
16.9% of all applications, or 23.6% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Salem Five Cents Savings Bank originated in New Hampshire in 2025 was 5.99%, against a statewide median of 6.82%.
About this data. Figures are Salem Five Cents Savings 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