Applications / Mortgage Analytics / Lenders / New Hampshire / St. Mary's Bank
Manchester, NH · Credit union · NCUA · $1.7 billion assets · 976 loans in 2025
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976
loans originated, 2025
1,543
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
St. Mary's Bank is a New Hampshire credit union ranked 7 of 344 lenders in Manchester-Nashua, with larger loans and more lending to low- and moderate-income borrowers than most similar lenders.
Home improvement was 31.0% of its loans, purchases 30.0% and refinances 28.7%, and all were conventional. Its lending sits in 3 states, mostly New Hampshire. Its typical loan was $175,000 against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at more than eight in ten of them.
Its share of Manchester-Nashua, its market since before 1990, fell 0.5 points to 2.6%. Its share is counted in dollars, so growth elsewhere in its footprint or in smaller loans could account for it; its originations rose 11% to 976, against 8% at peers and 10% for the whole market.
LMI (low- and moderate-income) borrowers took 33.4% of its loans against 27.8% at peers, and LMI areas 18.0% against 15.0%, both higher than about three-quarters of similar lenders. Majority-minority areas took 0.6% against 10.5% at peers; the make-up of the New Hampshire markets it serves is one possible reason.
Higher-priced loans (a rate well above the average for similar loans) were 0.4% of its lending, against 1.7% at peers. Its volume is about half its 1,975 loans of 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. St. Mary's Bank took 1,543 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 31.0% · Purchase 30.0% · Refinance 28.7% · Other 10.2%
Conventional 100.0% · of 976 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 | 967 | 99.1% |
| Massachusetts | 6 | 0.6% |
| Maine | 3 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manchester-Nashua | 499 |
| Rockingham County-Strafford County | 251 |
| Cambridge-Newton-Framingham | 2 |
| Worcester | 2 |
| Barnstable Town | 1 |
| Boston | 1 |
| Portland-South Portland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YKOCNDPE0N7X40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 832694 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563829 | 1990–2017 |
Established 1 January 1909. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: St. Mary's Bank's data.
St. Mary's Bank's data
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St. Mary's Bank 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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