Merrimack County Savings Bank in New Hampshire vs the state
17.8%Denial rate+1.26 pts vs state
23.3%Decision denial rate+2.98 pts vs state
58.0%Origination rate-3.68 pts vs state
7.00%Median rate+0.18 pts vs state
0.65Rate spread (pts)+0.42 pts vs state
$148kMedian applicant income
206Loans originated
63Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 335 | 210 | 11.0% | 7.13% | #36 |
| 2024 | 325 | 193 | 16.9% | 7.99% | #40 |
| 2025 | 355 | 206 | 17.8% | 7.00% | #43 |
What Merrimack County Savings Bank lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Merrimack County Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Merrimack County | 165 | 97 | 30 | 18.2% |
| Hillsborough County | 78 | 50 | 15 | 19.2% |
| Rockingham County | 42 | 24 | 7 | 16.7% |
| Belknap County | 29 | 13 | 6 | 20.7% |
| Carroll County | 13 | 11 | 0 | 0.0% |
| Grafton County | 9 | 3 | 1 | 11.1% |
| Strafford County | 8 | 4 | 2 | 25.0% |
| Sullivan County | 7 | 2 | 2 | 28.6% |
| Coos County | 2 | 1 | 0 | 0.0% |
| Cheshire County | 2 | 1 | 0 | 0.0% |
Other large lenders in New Hampshire
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 4,969 | 24.3% | 7.40% |
| CMG Mortgage | A | 3,499 | 2.5% | 6.63% |
| Rocket Mortgage | C | 3,090 | 17.0% | 6.75% |
| United Shore Financial Services | B | 2,488 | 8.8% | 6.50% |
| Service Federal Credit Union | C | 2,300 | 25.5% | 6.49% |
| TD Bank | D | 1,811 | 22.5% | 7.54% |
| St. Mary's Bank Credit Union | B | 1,514 | 21.2% | 7.25% |
| Lighthouse Federal Credit Union | D | 1,311 | 34.3% | 7.49% |
| Digital | D | 1,129 | 20.3% | 7.74% |
| Bank of America | F | 1,068 | 28.9% | 5.99% |
Frequently asked questions
New Hampshire: 355 applications in 2025, of which 206 were originated and 63 denied.
17.8% of all applications, or 23.3% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Merrimack County Savings Bank originated in New Hampshire in 2025 was 7.00%, against a statewide median of 6.82%.
About this data. Figures are Merrimack County Savings Bank's own HMDA filing for properties located in New Hampshire, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology