Home repairs, not homes
Home improvement made up 62.3% of its loans and purchases only 3.3%. Its typical loan was $75,000, against $195,000 five years before. Larger first mortgages may have given way to smaller loans on homes members already own.
Applications / Mortgage Analytics / Lenders / New Hampshire / New Hampshire Federal Credit Union
New Hampshire Federal Credit Union
Concord, NH · Credit union · NCUA · $333 million assets · 61 loans in 2025
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61
loans originated, 2025
141
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
New Hampshire Federal Credit Union now makes mostly small home-improvement loans, 61 in 2025 against 259 in 2020.
Few borrowers of modest means
Low- and moderate-income borrowers took 8.2% of its loans, against 30.6% at similar credit unions, those making between half and twice as many loans. That puts it among the lowest twentieth of them. It made no loans in majority-minority neighborhoods, against 9.7% for the group. Home-improvement loans go only to people who already own homes, one possible reason; the seven New Hampshire counties it lends in are another.
Still shrinking
Its loans fell 8% in 2025, from 66, while similar credit unions grew 7% and the whole market 10%. It has lent in Manchester-Nashua since 1995 but holds too small a share there to register.
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
61 loans in 2025, against a peak of 259 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. New Hampshire Federal Credit Union took 141 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
62.3% of its 2025 loans were home improvement loans; all were conventional loans.
Home improvement 62.3% · Other 23.0% · Refinance 11.5% · Purchase 3.3%
Conventional 100.0% · of 61 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
1 state, 2 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| New Hampshire | 61 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Manchester-Nashua | 15 |
| Rockingham County-Strafford County | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KUBRH1GICTLI84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 14070 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54746 | 1991–2017 |
Established 1 January 1941. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: New Hampshire Federal Credit Union's data.
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