Granite State Credit Union mortgage approval rate & lending review
Granite State Credit Union decided 742 mortgage applications and funded 571 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Granite State Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Granite State Credit Union at a glance
Approval is 19.9 points above the 68.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 78 / 88 | 72% | $205K | 56 |
| Home improvement loans | 90% | 327 / 362 | 91% | $65K | 298 |
| Cash-out refinance | 86% | 217 / 253 | 90% | $135K | 196 |
Granite State Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Hampshire | 88% | $65K | 736 | 569 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Granite State Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hillsborough County, NH | Home improvement loans | 89% | 140 | 116 |
| Merrimack County, NH | Home improvement loans | 90% | 108 | 91 |
| Hillsborough County, NH | Cash-out refinance | 84% | 102 | 78 |
| Rockingham County, NH | Home improvement loans | 92% | 97 | 76 |
| Merrimack County, NH | Cash-out refinance | 89% | 74 | 61 |
| Rockingham County, NH | Cash-out refinance | 84% | 70 | 53 |
| Merrimack County, NH | Mortgage lenders | 82% | 33 | 21 |
| Hillsborough County, NH | Mortgage lenders | 87% | 30 | 17 |
The county markets where Granite State Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Granite State Credit Union
What is Granite State Credit Union's mortgage approval rate?
Granite State Credit Union approved 88.1% of the 742 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 19.9 points above the 68.3% national rate for the same mix of loan types.
How often do borrowers take the loan Granite State Credit Union offers?
Borrowers accepted 87% of the loans Granite State Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Granite State Credit Union make?
The typical home improvement loan loan Granite State Credit Union made was $65K; across all loan types its typical loan ran from $65K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Granite State Credit Union lend?
Granite State Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in New Hampshire, Massachusetts and Maine.
Can I apply to Granite State Credit Union directly?
Yes. Granite State Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Granite State Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Granite State Credit Union treats applications, then get a rate quote from the lender.