States › New Hampshire › Merrimack County
Merrimack County, New Hampshire
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 5,331 mortgage applications in Merrimack County, New Hampshire, for 2024, and originated 3,212 loans worth $955m.
That is 52.7 originations per 1,000 households, against 54.4 for New Hampshire and 48.0 nationally.
The county's denial rate was 22.4%, close to the state rate of 22.8%. The median rate spread on originated loans was 0.4 percentage points and 18.5% of originations were 1.5 points or more above the average prime offer rate.
48 lenders reached 25 applications in the county; the most active by originations were CMG Mortgage Inc (350), CBNA Year to Date (239) and Rocket Mortgage (180).
Originations were up 13% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 48. Denial rate is denials over decided applications in this county.
Compared with New Hampshire and the nation
| Measure | This county | New Hampshire | United States |
|---|---|---|---|
| Denial rate | 22.4% | 22.8% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.5% | 15.9% | 15.6% |
| Average originated loan | $297k | $320k | $329k |
| Originations per 1,000 households | 52.7 | 54.4 | 48.0 |
| Home purchase share of originations | 49.2% | 46.9% | 57.0% |
| FHA-insured share | 8.6% | 7.2% | 13.4% |
| VA-guaranteed share | 5.9% | 5.7% | 7.9% |
Rate spread distribution
Share of 2,953 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: New Hampshire). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 49% (1,579)Home improvement 14% (446)Refinancing 10% (335)Cash-out refinancing 14% (461)Other purpose 12% (391)
By type
Conventional 85% (2,740)FHA 9% (277)VA 6% (189)USDA 0% (6)
Trend by year
ApplicationsOriginations
This countyNew Hampshire
Questions and answers
Which lenders are most active in Merrimack County, NH?
By 2024 originations: CMG Mortgage Inc (350), CBNA Year to Date (239), Rocket Mortgage (180), United Wholesale Mortgage (180), Guild Mortgage Company (119). 48 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Merrimack County?
22.4% of decided applications were denied in 2024, against 22.8% across New Hampshire and 24.3% nationally.
How many mortgages were originated in Merrimack County in 2024?
3,212 loans totalling $955m, from 5,331 applications; 52.7 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 33013; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.