St. Mary's Bank Credit Union
St. Mary's Bank Credit Union received 1,542 applications in 2025 and made 976 mortgages, in 23 counties across 4 states. The median rate its borrowers got was 7.250% on a median loan of $175,000. Of 1,341 decisions, 329 were denials — 24.5%, most often for debt-to-income ratio. 6 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300YKOCNDPE0N7X40 |
|---|---|
| Applications received | 1,542 |
| Mortgages made | 976 |
| Denied | 329 |
| Approved, not taken up | 36 |
| Withdrawn or incomplete | 201 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.03 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 | 293 | 6.750% | $365,000 | 18.1% |
| Refinancing | 203 | 7.250% | $165,000 | 17.7% |
| Cash-out refinancing | 77 | 6.750% | $205,000 | 18.8% |
| Other purposes | 403 | 7.250% | $105,000 | 32.1% |
Where St. Mary's Bank Credit Union lends most
The 23 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 | 499 | 7.250% | 24.6% |
| Rockingham County, NH | 231 | 7.250% | 24.7% |
| Merrimack County, NH | 143 | 7.000% | 22.7% |
| Belknap County, NH | 27 | 7.000% | 23.1% |
| Strafford County, NH | 20 | 6.875% | 8.7% |
| Carroll County, NH | 14 | 7.250% | 17.7% |
| Grafton County, NH | 14 | 7.250% | 36.4% |
| Cheshire County, NH | 12 | 7.125% | 29.4% |
| Sullivan County, NH | 4 | Under 10 loans | 33.3% |
| Coos County, NH | 3 | Under 10 loans | 33.3% |
| Worcester County, MA | 2 | Under 10 loans | 33.3% |
| Oxford County, ME | 1 | Under 10 loans | 0.0% |
| Waldo County, ME | 1 | Under 10 loans | 0.0% |
| York County, ME | 1 | Under 10 loans | 50.0% |
| Barnstable County, MA | 1 | Under 10 loans | 50.0% |
| Essex County, MA | 1 | Under 10 loans | 50.0% |
| Middlesex County, MA | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 50.0% |
| Androscoggin County, ME | 0 | Under 10 loans | Not published |
| Cumberland County, ME | 0 | Under 10 loans | 100.0% |
| Somerset County, ME | 0 | Under 10 loans | Not published |
| Suffolk County, MA | 0 | Under 10 loans | 100.0% |
| Windham County, VT | 0 | Under 10 loans | Not published |
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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.