# Merrimack County Savings Bank

> **Canonical URL:** https://saferate.com/lenders/merrimack-county-savings-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Merrimack County Savings Bank is a bank, headquartered in Concord, NH, serving borrowers across 3 states, with 145 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 47% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300YV7HFY5MTM2Z65
- **Headquarters:** Concord, NH
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** MA, ME, NH
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.430%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,200
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 145
- **Dollar Volume:** $64 million
- **Applications Received:** 238
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $438,448
- **Average Borrower Income:** $173,579
- **Average Property Value:** $640,655

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 136 | +0.430% | $1,200 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 115 loans, Score: 40/100 (Acceptable)
- Refinance: 21 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 124 | $55M | +0.440% | Sound ☺️ |
| Refinance | 37/100 | 21 | $8M | +0.390% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NH | 141 | 0.91% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 108 | 62/100 |
| Manchester | NH | 20 | 59/100 |
| Rockingham County | NH | 15 | 52/100 |

## Where This Lender Ranks

Merrimack County Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Manchester Banks
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/banks)
- 🏆 **#13** in New Hampshire for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in New Hampshire Banks
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/banks)
- 🏆 **#17** in Manchester for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Merrimack County Savings Bank offer?

Merrimack County Savings Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Merrimack County Savings Bank offer mortgages?

Merrimack County Savings Bank offers mortgages in 3 states: MA, ME, NH.

### How competitive are Merrimack County Savings Bank's mortgage rates?

Merrimack County Savings Bank has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.430% above market average.

### What type of lender is Merrimack County Savings Bank?

Merrimack County Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Concord, NH.

### What is Merrimack County Savings Bank's loan approval success rate?

Merrimack County Savings Bank has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/merrimack-county-savings-bank

### How to Cite

> "Merrimack County Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/merrimack-county-savings-bank

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