Mortgage lending in Merrimack County
3,862 mortgages were originated in Merrimack County, New Hampshire, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,862
- Median rate
- 6.875%
- Median lender fees
- $4,439
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $295,000
- Above the going rate (spread over APOR)
- 0.270
- Paid discount points
- 28.1%
- Received lender credits
- 22.8%
- Purchases / refinances
- 45.5% / 32.2%
- Conventional / FHA / VA
- 83.9% / 8.3% / 7.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 69.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $445,000
- That home, 20% down
- $356,000
A median-priced home with 20% down leaves $476,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Merrimack County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CMG Mortgage, Inc. | 413 | $4,211 | 6.625% |
| Citizens Bank, National Association | 322 | — | 7.400% |
| Rocket Mortgage, LLC | 272 | $5,466 | 6.625% |
| United Shore Financial Services, LLC | 234 | $6,459 | 6.564% |
| St. Mary's Bank Credit Union | 143 | $3,602 | 7.000% |
| Service Federal Credit Union | 118 | — | 6.490% |
| TD Bank, National Association | 110 | — | 7.540% |
| Emm Loans LLC | 102 | $5,134 | 6.750% |
| Merrimack County Savings Bank | 97 | $3,810 | 6.875% |
| Fairway Independent Mortgage Corporation | 92 | $4,906 | 6.688% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Merrimack County — not a rule of thumb.
From 2,687 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers