# GRANITE STATE CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/granite-state-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GRANITE STATE CREDIT UNION is a credit union, headquartered in Manchester, NH, with 44 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 18% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 80% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900O6ESF124P8HR04
- **Headquarters:** Manchester, NH
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NH
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pull Through: Mediocre 😐
- Score: 20/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.036%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $981
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 44
- **Dollar Volume:** $13 million
- **Applications Received:** 162
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $301,591
- **Average Borrower Income:** $140,318
- **Average Property Value:** $515,682

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 26/100 | 44 | +0.036% | $981 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 25 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 22/100 | 19 | $8M | -0.226% | Acceptable 🙂 |
| Refinance | 40/100 | 25 | $6M | +0.264% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NH | 44 | 0.28% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 25 | 44/100 |
| Manchester | NH | 12 | 54/100 |

## Where This Lender Ranks

GRANITE STATE CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in New Hampshire Credit Unions
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/credit-unions)
- 🏆 **#9** in New Hampshire for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Manchester for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does GRANITE STATE CREDIT UNION offer?

GRANITE STATE CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GRANITE STATE CREDIT UNION offer mortgages?

GRANITE STATE CREDIT UNION offers mortgages in 1 states: NH.

### How competitive are GRANITE STATE CREDIT UNION's mortgage rates?

GRANITE STATE CREDIT UNION has a pricing score of 82/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.036% above market average.

### What type of lender is GRANITE STATE CREDIT UNION?

GRANITE STATE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Manchester, NH.

### What is GRANITE STATE CREDIT UNION's loan approval success rate?

GRANITE STATE CREDIT UNION has a pull-through score of 20/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/granite-state-credit-union

### How to Cite

> "GRANITE STATE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/granite-state-credit-union

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