GRANITE STATE CREDIT UNION
GRANITE STATE CREDIT UNION received 548 applications in 2025 and made 326 mortgages, in 15 counties across 3 states. The median rate its borrowers got was 7.500% on a median loan of $95,000. Of 406 decisions, 43 were denials — 10.6%, most often for debt-to-income ratio. 63 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900O6ESF124P8HR04 |
|---|---|
| Applications received | 548 |
| Mortgages made | 326 |
| Denied | 43 |
| Approved, not taken up | 37 |
| Withdrawn or incomplete | 142 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.374 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 26 | 6.750% | $215,000 | 20.0% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Cash-out refinancing | 123 | 7.500% | $145,000 | 8.3% |
| Other purposes | 175 | 7.500% | $75,000 | 9.2% |
Where GRANITE STATE CREDIT UNION lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hillsborough County, NH | 110 | 7.500% | 11.9% |
| Merrimack County, NH | 77 | 7.500% | 13.9% |
| Rockingham County, NH | 65 | 7.250% | 6.3% |
| Belknap County, NH | 44 | 7.500% | 7.8% |
| Grafton County, NH | 9 | Under 10 loans | 0.0% |
| Strafford County, NH | 8 | Under 10 loans | 0.0% |
| Carroll County, NH | 5 | Under 10 loans | 16.7% |
| Cheshire County, NH | 2 | Under 10 loans | 0.0% |
| Coos County, NH | 2 | Under 10 loans | 50.0% |
| Sullivan County, NH | 2 | Under 10 loans | 0.0% |
| York County, ME | 1 | Under 10 loans | 0.0% |
| Worcester County, MA | 1 | Under 10 loans | 0.0% |
| Franklin County, ME | 0 | Under 10 loans | 100.0% |
| Essex County, MA | 0 | Under 10 loans | Not published |
| Middlesex County, MA | 0 | Under 10 loans | 0.0% |
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When GRANITE STATE CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.