St. Mary's Bank mortgage approval rate & lending review
St. Mary's Bank decided 2,947 mortgage applications and funded 2,145 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions St. Mary's Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
St. Mary's Bank at a glance
Approval is 2.5 points above the 74.0% 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 | 84% | 724 / 859 | 95% | $345K | 690 |
| Home improvement loans | 71% | 766 / 1,079 | 96% | $85K | 732 |
| Cash-out refinance | 71% | 161 / 227 | 91% | $185K | 147 |
| Refinance | 81% | 456 / 562 | 96% | $145K | 438 |
| Investment property purchase | 77% | 90 / 117 | 90% | $255K | 81 |
| Investment cash-out refinance | 56% | 14 / 25 | 93% | $295K | 13 |
| Investment refinance | 66% | 19 / 29 | 95% | $155K | 18 |
| Investment home improvement | 55% | 27 / 49 | 96% | $105K | 26 |
St. Mary's Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Hampshire | 77% | $145K | 2,888 | 2,107 |
| Massachusetts | 74% | $505K | 46 | 31 |
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 St. Mary's Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hillsborough County, NH | Home improvement loans | 71% | 674 | 458 |
| Hillsborough County, NH | Mortgage lenders | 84% | 422 | 337 |
| Hillsborough County, NH | Refinance | 84% | 341 | 272 |
| Rockingham County, NH | Mortgage lenders | 85% | 209 | 171 |
| Rockingham County, NH | Home improvement loans | 69% | 250 | 167 |
| Merrimack County, NH | Mortgage lenders | 86% | 166 | 134 |
| Merrimack County, NH | Home improvement loans | 73% | 140 | 96 |
| Rockingham County, NH | Refinance | 76% | 129 | 95 |
| Hillsborough County, NH | Cash-out refinance | 69% | 123 | 77 |
| Merrimack County, NH | Refinance | 77% | 78 | 58 |
| Hillsborough County, NH | Investment property purchase | 83% | 63 | 50 |
| Rockingham County, NH | Cash-out refinance | 71% | 55 | 37 |
The county markets where St. Mary's Bank made the most loans. Each link opens that market with every lender ranked.
Questions about St. Mary's Bank
What is St. Mary's Bank's mortgage approval rate?
St. Mary's Bank approved 76.6% of the 2,947 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.5 points above the 74.0% national rate for the same mix of loan types.
How often do borrowers take the loan St. Mary's Bank offers?
Borrowers accepted 95% of the loans St. Mary's Bank 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 St. Mary's Bank make?
The typical home improvement loan loan St. Mary's Bank made was $85K; across all loan types its typical loan ran from $85K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does St. Mary's Bank lend?
St. Mary's Bank decided applications in 3 of the states Fat Boy Data covers, most of them in New Hampshire, Massachusetts and Maine.
Can I apply to St. Mary's Bank directly?
Yes. St. Mary's Bank is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show St. Mary's Bank'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 St. Mary's Bank treats applications, then get a rate quote from the lender.