Purchase Originations
143
Median Total Costs
$3,888
−41.8% vs national ($6,680)
↓ $325 vs prior year
Median Rate
7.125%
+9.8% vs national (6.490%)
↓ 0.808% vs prior year
Median Origination
$975
Median Lender Credits
$241
Denial Rate
15.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 143 | 7.125% | $3,888 | $975 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Hampshire | 139 | 7.125% | $3,880 | #20 |
| Massachusetts | 2 | 6.812% | $6,152 | — |
| Maine | 2 | 7.312% | $9,503 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,971 | 9.125% | — | 1 | −$917 | |
| 2 | $2,986 | 7.250% | — | 3 | −$902 | |
| 3 | $3,619 | 7.000% | — | 8 | −$269 | |
| 4 | $3,721 | 7.000% | — | 1 | −$167 | |
| 5 | $3,729 | 7.250% | — | 40 | −$159 | |
| 6 | $3,888 | 7.000% | — | 61 | +$0 | |
| 7 | $3,995 | 6.750% | — | 2 | +$107 | |
| 8 | $4,041 | 7.375% | — | 16 | +$153 | |
| 9 | $4,501 | 6.188% | — | 2 | +$613 | |
| 10 | $6,290 | 7.062% | — | 6 | +$2,402 | |
| 11 | $8,583 | 6.625% | — | 1 | +$4,695 | |
| 12 | $9,503 | 7.312% | — | 2 | +$5,615 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Merrimack County Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $3,888 | $7,127 | −$3,239 (−45.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.