Bank of New Hampshire Mortgage Lending & HMDA Data, 2022
In 2022, Bank of New Hampshire of Laconia, NH reported 777 mortgage applications totaling $256.0 million. The average application was for $329,440, and applicants reported an average income of $149,737. 65% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Rockingham County-Strafford County, NH (166), Manchester-Nashua, NH (60) and Portland-South Portland, ME (18) (applications in parentheses).
| Mortgage Company & Address | Bank of New Hampshire 62 Pleasant St Laconia, NH 03246 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 |
| Total Number of Mortgage Applications | 777 |
| Total Mortgage Loan Application Amount | $255,975,000 |
| Average Mortgage Loan Application Amount | $329,440 |
| Highest Mortgage Loan Application Amount | $12,075,000 |
| Average Applicant Income | $149,737 |
| Highest Applicant Income | $1,839,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of New Hampshire filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Belknap, New Hampshire | 133 | $ 52,365,000 | $ 393,721 | $ 150,000 |
| Carroll, New Hampshire | 120 | $ 40,910,000 | $ 340,916 | $ 208,000 |
| Grafton, New Hampshire | 93 | $ 22,285,000 | $ 239,623 | $ 149,000 |
| Strafford, New Hampshire | 87 | $ 20,985,000 | $ 241,206 | $ 103,000 |
| Rockingham, New Hampshire | 79 | $ 28,055,000 | $ 355,126 | $ 161,000 |
| Merrimack, New Hampshire | 66 | $ 24,660,000 | $ 373,636 | $ 125,000 |
| Hillsborough, New Hampshire | 60 | $ 22,570,000 | $ 376,166 | $ 135,000 |
| Coos, New Hampshire | 44 | $ 8,710,000 | $ 197,954 | $ 142,000 |
| Sullivan, New Hampshire | 18 | $ 3,510,000 | $ 195,000 | $ 130,000 |
| York, Maine | 14 | $ 4,130,000 | $ 295,000 | $ 122,000 |
| Cheshire, New Hampshire | 8 | $ 1,740,000 | $ 217,500 | $ 79,000 |
| Middlesex, Massachusetts | 7 | $ 3,755,000 | $ 536,428 | $ 225,000 |
| Oxford, Maine | 5 | $ 1,455,000 | $ 291,000 | $ 143,000 |
| Cumberland, Maine | 4 | $ 5,200,000 | $ 1,300,000 | $ 71,000 |
| Worcester, Massachusetts | 4 | $ 3,800,000 | $ 950,000 | $ 93,000 |
| Essex, Massachusetts | 3 | $ 1,165,000 | $ 388,333 | $ 112,000 |
| Hampden, Massachusetts | 3 | $ 765,000 | $ 255,000 | $ 74,000 |
| Plymouth, Massachusetts | 3 | $ 1,225,000 | $ 408,333 | $ 106,000 |
| Caledonia, Vermont | 3 | $ 885,000 | $ 295,000 | $ 157,000 |
| Essex, Vermont | 3 | $ 395,000 | $ 131,666 | $ 63,000 |
| Orange, Vermont | 3 | $ 685,000 | $ 228,333 | $ 125,000 |
| Bristol, Massachusetts | 2 | $ 360,000 | $ 180,000 | $ 65,000 |
| Rutland, Vermont | 2 | $ 720,000 | $ 360,000 | $ 259,000 |
| Windsor, Vermont | 2 | $ 340,000 | $ 170,000 | $ 51,000 |
| Hillsborough, Florida | 1 | $ 385,000 | $ 385,000 | $ 716,000 |
| Lee, Florida | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Martin, Florida | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Nassau, Florida | 1 | $ 485,000 | $ 485,000 | $ 156,000 |
| Pasco, Florida | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Androscoggin, Maine | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Knox, Maine | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Waldo, Maine | 1 | $ 465,000 | $ 465,000 | $ 266,000 |
| Suffolk, Massachusetts | 1 | $ 745,000 | $ 745,000 | $ 177,000 |
| Burke, North Carolina | 1 | $ 1,295,000 | $ 1,295,000 | $ 0 |
| Pitt, North Carolina | 1 | $ 885,000 | $ 885,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank of New Hampshire in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 511 | $181,395,000 | $354,000 | $12,075,000 | $165,000 | $1,316,000 |
| Cash-out Refinancing | 165 | $36,135,000 | $219,000 | $1,405,000 | $106,000 | $669,000 |
| Refinancing | 59 | $29,675,000 | $502,000 | $5,005,000 | $143,000 | $1,764,000 |
| Home Improvement | 28 | $7,110,000 | $253,000 | $2,505,000 | $179,000 | $1,839,000 |
| Other Purpose | 14 | $1,660,000 | $118,000 | $255,000 | $78,000 | $191,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 579 | $150,085,000 | $259,000 | $1,925,000 | $145,000 | $1,764,000 |
| Not Provided | 98 | $29,170,000 | $297,000 | $2,505,000 | $173,000 | $1,839,000 |
| Not applicable | 67 | $67,505,000 | $1,007,000 | $12,075,000 | $0 | $0 |
| Asian | 15 | $4,635,000 | $309,000 | $685,000 | $227,000 | $1,255,000 |
| Black or African American | 6 | $1,610,000 | $268,000 | $585,000 | $113,000 | $324,000 |
| American Indian or Alaskan Native | 5 | $875,000 | $175,000 | $355,000 | $78,000 | $151,000 |
| Hispanic | 4 | $1,250,000 | $312,000 | $715,000 | $50,000 | $59,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $35,000 | $35,000 | $35,000 | $62,000 | $62,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 766 | $253,250,000 | $330,000 | $12,075,000 | $150,000 | $1,839,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,780,000 | $296,000 | $775,000 | $97,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $945,000 | $189,000 | $275,000 | $81,000 | $124,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 508 | $167,740,000 | $330,000 | $5,005,000 | $166,000 | $1,839,000 |
| Application Withdrawn By Applicant | 145 | $39,405,000 | $271,000 | $1,925,000 | $142,000 | $1,255,000 |
| Application Denied By Financial Institution | 104 | $42,580,000 | $409,000 | $12,075,000 | $78,000 | $220,000 |
| Application Approved But Not Accepted | 12 | $3,060,000 | $255,000 | $675,000 | $149,000 | $424,000 |
| File Closed For Incompleteness | 8 | $3,190,000 | $398,000 | $805,000 | $144,000 | $288,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 673 | $213,395,000 | $317,000 | $5,005,000 | $160,000 | $1,839,000 |
| Debt-To-Income Ratio | 47 | $17,165,000 | $365,000 | $4,805,000 | $70,000 | $209,000 |
| Credit History | 27 | $4,345,000 | $160,000 | $375,000 | $77,000 | $220,000 |
| Other | 14 | $17,870,000 | $1,276,000 | $12,075,000 | $90,000 | $175,000 |
| Collateral | 8 | $1,610,000 | $201,000 | $455,000 | $83,000 | $146,000 |
| Employment History | 5 | $965,000 | $193,000 | $355,000 | $104,000 | $155,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $400,000 | $200,000 | $265,000 | $84,000 | $108,000 |
| Credit Application Incomplete | 1 | $225,000 | $225,000 | $225,000 | $191,000 | $191,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of New Hampshire's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank of New Hampshire's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Hampshire, download the full spreadsheet
with aggregated HMDA statistics today.
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