Service Federal Credit Union in New Hampshire vs the state
25.5%Denial rate+8.99 pts vs state
29.8%Decision denial rate+9.54 pts vs state
57.4%Origination rate-4.28 pts vs state
6.49%Median rate-0.33 pts vs state
-0.63Rate spread (pts)-0.87 pts vs state
$126kMedian applicant income
1,321Loans originated
586Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,272 | 1,298 | 28.3% | 5.75% | #3 |
| 2024 | 2,114 | 1,197 | 27.5% | 6.49% | #4 |
| 2025 | 2,300 | 1,321 | 25.5% | 6.49% | #5 |
What Service Federal 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 Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockingham County | 741 | 423 | 197 | 26.6% |
| Hillsborough County | 367 | 222 | 88 | 24.0% |
| Strafford County | 321 | 199 | 71 | 22.1% |
| Cheshire County | 209 | 127 | 50 | 23.9% |
| Merrimack County | 204 | 118 | 46 | 22.5% |
| Belknap County | 136 | 72 | 38 | 27.9% |
| Grafton County | 122 | 65 | 37 | 30.3% |
| Coos County | 88 | 35 | 27 | 30.7% |
| Carroll County | 64 | 36 | 19 | 29.7% |
| Sullivan County | 48 | 24 | 13 | 27.1% |
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% |
| 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% |
| Guild Mortgage | A | 970 | 5.5% | 6.63% |
Frequently asked questions
New Hampshire: 2,300 applications in 2025, of which 1,321 were originated and 586 denied.
25.5% of all applications, or 29.8% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Service Federal Credit Union originated in New Hampshire in 2025 was 6.49%, against a statewide median of 6.82%.
About this data. Figures are Service Federal 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