Our analysis of 2025 HMDA data. Rates are medians on loans actually opened.
Why HELOCs were denied in Rockingham County, NH
First reason lenders gave, share of denials with a reason reported.
Denial rate by debt-to-income
Rockingham County, NH HELOC applications, 2025.
| Debt-to-income | Decisions | Denied |
|---|---|---|
| Under 20% | 154 | 22% |
| 20% to 29% | 497 | 14% |
| 30% to 35% | 444 | 16% |
| 36% to 42% | 720 | 10% |
| 43% to 49% | 847 | 20% |
| 50% to 60% | 567 | 31% |
| Over 60% | 576 | 80% |
If you were denied a HELOC in Rockingham County, NH
3 of the six major home equity investment providers list New Hampshire as a service area: CHEIFS, Hometap, Unlock. See which could fit you.
Compare a HELOC, home equity loan, cash-out refinance, and home equity investment side by side, with your own approval odds, in the home equity options tool. A HELOC like the typical 2025 loan here would start around 7.03% at today’s prime rate.
State rules: New Hampshire.
Other metro areas in New Hampshire
Manchester, NH (28%) ยท All 358 metro areas
Questions
What is the HELOC denial rate in Rockingham County, NH?
Lenders denied 28.1% of the 3,839 HELOC applications they decided in the Rockingham County-Strafford County, NH metro area in 2025, below the national rate of 32.9%, according to federal HMDA data.
Why do HELOCs get denied in Rockingham County, NH?
The most common first reason lenders gave was debt-to-income ratio (55% of denials with a reason reported).
What is a typical HELOC rate in Rockingham County, NH?
The median starting rate on HELOCs opened in the Rockingham County-Strafford County, NH area in 2025 was 7.40%. HELOC rates move with the prime rate, which has changed by -0.37 points since, so a similar loan today would start around 7.03%. Your rate depends on your credit, equity, and lender.
Source: FFIEC / CFPB HMDA data, 2025, second-lien HELOCs and home equity loans with a credit decision, by the metro area HMDA assigns. Metro names: U.S. Census Bureau. Free to use with attribution (CC BY 4.0). Methodology: HELOC denial data.
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