Applications / Mortgage Analytics / Lenders / New Hampshire / Lighthouse Federal Credit Union
Dover, NH · Credit union · NCUA · $2.0 billion assets · 1,031 loans in 2025
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1,031
loans originated, 2025
1,973
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lighthouse Federal Credit Union is mainly a home-improvement lender, with nearly half its 2025 loans made for that purpose, and its originations fell 15% in a year when similar credit unions grew.
Home improvement made up 47.5% of its loans, refinancing 25.6%, other purposes 15.7% and home purchase only 11.2%. Every loan was conventional, with no government-backed lending. Its typical loan, $105,000, is the same as at similar lenders, which here means credit unions making between half and twice as many loans.
It made 1,031 loans, down from 1,206 a year earlier and from 1,555 in 2020. The 15% fall puts it among the lowest tenth of similar lenders for growth; their typical change was a rise of 8%, and the whole market rose 10%. A lender weighted toward home-improvement and other-purpose loans may see demand move differently from the purchase market.
20.0% of its loans were in low- and moderate-income (LMI) neighbourhoods, against 15.0% at similar lenders, higher than more than eight in ten of them. 30.0% went to LMI borrowers, against 27.6%. Only 0.3% of its loans were higher-priced (a rate well above the average for similar loans), against 1.7% at peers.
In Portland-South Portland it ranks 29 of 364 lenders, with a share that fell 0.3 points to 0.9%; in Manchester-Nashua its share fell from 0.3% to 0.2%. Both falls are in line with its lower overall volume in a growing market.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lighthouse Federal Credit Union took 1,973 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 47.5% · Refinance 25.6% · Other 15.7% · Purchase 11.2%
Conventional 100.0% · of 1,031 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Hampshire | 676 | 65.6% |
| Maine | 327 | 31.7% |
| Massachusetts | 15 | 1.5% |
| Vermont | 12 | 1.2% |
| Virginia | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rockingham County-Strafford County | 389 |
| Portland-South Portland | 287 |
| Manchester-Nashua | 44 |
| Cambridge-Newton-Framingham | 11 |
| Lewiston-Auburn | 5 |
| Worcester | 3 |
| Bangor | 1 |
| Boston | 1 |
| Kingsport-Bristol | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930070JV4STJJ0XS74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 240879 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568219 | 1998–2017 |
Established 1 January 1936. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Lighthouse Federal Credit Union's data.
Lighthouse Federal Credit Union's data
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Lighthouse Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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