Today's New Hampshire (NH) Mortgage Rates

New Hampshire (NH) Mortgage Rates & Mortgage Loan Data – Prior Year

Mortgage Actions Taken

Loan originated: 350,192
Loan purchased by the institution: 139,565
Application denied by financial institution: 130,664
Application withdrawn by applicant: 69,624
Application approved but not accepted: 33,585
File closed for incompleteness: 22,688
Preapproval request approved but not accepted: 438
Preapproval request denied by financial institution: 261

Purpose of Loans

Refinancing: 467,897
Home purchase: 229,286
Home improvement: 49,834

Mortgage Types

Conventional: 600,836
FHA-insured: 105,638
VA-guaranteed: 27,934
FSA/RHS-guaranteed: 12,609

Mortage Actions by Applicant Race

White: 573,192
Information not provided by applicant in mail, Internet, or telephone application: 82,712
Not applicable: 72,781
Asian: 11,401
Black or African American: 3,949
American Indian or Alaska Native: 2,048
Native Hawaiian or Other Pacific Islander: 934

Mortage Actions by Applicant Ethnicity

Not Hispanic or Latino: 579,222
Information not provided by applicant in mail, Internet, or telephone application: 85,351
Not applicable: 72,899
Hispanic or Latino: 9,545

Mortage Actions by Applicant Sex

Male: 440,910
Female: 180,443
Not applicable: 72,796
Information not provided by applicant in mail, Internet, or telephone application: 52,868

Mortage Actions by Agency Name

Department of Housing and Urban Development: 231,486
Office of the Comptroller of the Currency: 156,875
Consumer Financial Protection Bureau: 143,182
National Credit Union Administration: 63,945
Federal Deposit Insurance Corporation: 60,624
Office of Thrift Supervision: 54,041
Federal Reserve System: 36,864

Mortage Actions by County

Hillsborough County: 232,770
Rockingham County: 207,387
Merrimack County: 77,187
Strafford County: 65,861
Belknap County: 36,022
Grafton County: 32,982
Carroll County: 32,728
Cheshire County: 32,619
Sullivan County: 15,857
Coos County: 11,533
Unknown: 2,071

Mortage Actions by City

Rockingham County, Strafford County – NH: 271,952
Unknown: 242,615
Manchester, Nashua – NH: 232,450

Mortage Denial Reasons

Unknown: 658,324
Collateral: 26,107
Debt-to-income ratio: 20,352
Credit history: 18,396
Other: 9,551
Credit application incomplete: 8,568
Unverifiable information: 2,758
Insufficient cash (downpayment, closing costs): 1,523
Employment history: 1,140
Mortgage insurance denied: 298

HOEPA Status of Mortage Loans

Not a HOEPA loan: 746,939
HOEPA loan: 78

Lien Status of Mortage Loans

Secured by a first lien: 558,745
Not applicable: 139,565
Secured by a subordinate lien: 37,233
Not secured by a lien: 11,474

Owner Occupancy Status of Mortage Loans

Owner-occupied as a principal dwelling: 676,778
Not owner-occupied as a principal dwelling: 66,914
Not applicable: 3,325

Mortgages by Property Type

One-to-four family dwelling (other than manufactured housing): 730,739
Manufactured housing: 14,274
Multifamily dwelling: 2,004

Mortgages by Purchaser Type

Loan was not originated or was not sold in calendar year covered by register: 377,675
Fannie Mae (FNMA): 104,156
Freddie Mac (FHLMC): 73,871
Commercial bank, savings bank or savings association: 50,021
Ginnie Mae (GNMA): 47,559
Affiliate institution: 38,508
Life insurance company, credit union, mortgage bank, or finance company: 29,049
Other type of purchaser: 22,797
Private securitization: 3,381