Applications / Mortgage Analytics / Lenders / New Hampshire / First Seacoast Bank
Dover, NH · Savings institution · OCC · $600 million assets · 48 loans in 2025
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48
loans originated, 2025
84
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Seacoast Bank, a New Hampshire savings bank, has made fewer home loans every year since 2020, and it buys loans from other lenders, which few similar lenders do.
It made 243 loans in 2020 and 48 in 2025. The latest fall, 26%, came as similar lenders (savings institutions making between half and twice as many loans) grew 1%. The value of its lending rose, though, to $26.6 million from $24.9 million, as its loans grew larger.
Its typical loan was $380,000, against $245,000 at similar lenders, higher than at about three in four of them. Purchases made up 75.0% of its loans, and all were conventional.
It bought 14 loans in 2025 and 13 in 2024, while the typical similar lender bought none. That is more than about nine in ten of its peers. Who sells to it, and where those homes are, is a question worth asking.
Low- and moderate-income (LMI) borrowers took 17.8% of its loans and LMI neighborhoods 8.3%, against 26.0% and 17.6% at similar lenders. A year earlier both shares were higher, at 31.7% and 23.1%. On 48 loans a few loans can swing these shares, and its larger loans may be another reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Seacoast Bank took 84 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.0% · Refinance 16.7% · Home improvement 8.3%
Conventional 100.0% · of 48 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 | 35 | 72.9% |
| Maine | 13 | 27.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rockingham County-Strafford County | 30 |
| Portland-South Portland | 13 |
| Manchester-Nashua | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QHFDNFAMLATM94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 119872 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43997 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703997 | 2011–2017 |
Established 1 January 1890. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Seacoast Bank's data.
First Seacoast Bank's data
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First Seacoast 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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