Applications / Mortgage Analytics / Lenders / New Hampshire / Profile Bank
Rochester, NH · State member bank · FRS · $314 million assets · 47 loans in 2025
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47
loans originated, 2025
73
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Profile Bank is a small New Hampshire bank that mostly finances home purchases, with larger loans and more lending in poorer neighborhoods than similar banks.
Purchases made up 70.2% of its 47 loans in 2025. Its typical loan was $325,000, against $185,000 at similar lenders (state member banks making between half and twice as many loans), larger than at about three in four. Every loan was conventional, with no government backing.
Loans in low- and moderate-income (LMI) neighborhoods made up 27.7% of its lending, against 17.5% for peers, more than at about three in four. LMI borrowers took 28.6%, against 24.0%. With so few loans, a handful either way moves these shares.
It made 77 loans in 2018 and 47 in 2025. It filed no report for 2020 and 2021, years in which a small bank need not report, so those years are gaps in the record rather than years without lending. Its loans rose 21% last year, faster than the 6% of similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Profile Bank took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.2% · Refinance 17.0% · Home improvement 10.6% · Other 2.1%
Conventional 100.0% · of 47 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 | 42 | 89.4% |
| Maine | 5 | 10.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rockingham County-Strafford County | 21 |
| Portland-South Portland | 5 |
| Manchester-Nashua | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IAYBMO4VREUX25 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 672573 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41007 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701007 | 2011–2013 |
| Respondent ID (the HMDA filer code before 2018) | 2672573 | 2014–2017 |
Established 1 January 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Profile Bank's data.
Profile Bank's data
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Profile 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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