Merrimack County Savings Bank: 2025 mortgage rates, costs & approvals
How Merrimack County Savings Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Merrimack County Savings Bank · LEI 549300YV7HFY5MTM2Z65
In 2025, Merrimack County Savings Bank originated 146 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 1508th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 51 basis points above the national median. Median conventional loan costs were $4,140, 26% lower than the national median ($5,570).
It denied 16.8% of completed home-purchase applications (all lenders: 8.5%).
How Merrimack County Savings Bank priced home-purchase loans
| Purchase loans, 2025 | Merrimack County Savings Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.64 pts | +0.13 pts |
| Total loan costs · conventional | $4,140 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,270 | $1,860 |
| Borrowers paying discount points | 23.7% | 51.3% |
| Points paid, when paid (% of loan) | 0.16% | 0.87% |
| Borrowers receiving lender credits | 38.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Merrimack County Savings Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Merrimack County Savings Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New Hampshire | 142 | 181 | 16.7% | 6.750% | $4,120 |
| Massachusetts | 2 | 3 | — | — | — |
| Maine | 2 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Merrimack County Savings Bank's page for that state.
Counties where Merrimack County Savings Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Merrimack County, NH | 6 | 72 | 3.3% |
| Carroll County, NH | 18 | 8 | 1.2% |
Check Merrimack County Savings Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300YV7HFY5MTM2Z65.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Merrimack County Savings Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology