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Merrimack County Savings Bank

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Merrimack County Savings Bank has 145 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Regional · 2 mkts

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Report Card

Merrimack County Savings Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+43.0 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Sound
Pull Through
Acceptable
Volume136
Mix93.8%
Spread
+0.430%Above
Fees
$1,200Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Acceptable
Volume124
Mix85.5%
Spread
+0.440%Above
Fees
$1,132Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Pull Through
Sound
Volume21
Mix14.5%
Spread
+0.390%Above
Fees
$1,482Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
145
Applications
238
Volume
$63 million
Pricing & Closing
Avg Rate Spread
+0.430%
vs. market APOR
Avg Net Fees
$1,200
Origination − Credits
Pullthrough Rate
60.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$438,448
Avg Borrower Income
$173,579
Avg Property Value
$640,655

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
MEMANH

Top Metro Areas by Place Specialization Score

Volume 20Mix 13.79% of portfolio
59/100
Sound
2© John Phelan · CC BY-SA 3.0
Rockingham County, NHMetro
Volume 15Mix 10.34% of portfolio
52/100
Sound

Top States by Place Specialization Score

New Hampshire
New Hampshire
1
New HampshireState
Volume 141Mix 97.24% of portfolio
81/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.