Applications / Mortgage Analytics / Lenders / New Hampshire / Merrimack County Savings Bank
Concord, NH · Savings institution · FDIC · $1.4 billion assets · 214 loans in 2025
Merrimack County Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
214
loans originated, 2025
366
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Merrimack County Savings Bank, a Concord lender, makes manufactured-home loans far more often than similar lenders, alongside unusually large purchase loans.
Manufactured homes made up 14.0% of its loans, against 0.6% at similar lenders (savings institutions making between half and twice as many loans), more than at nearly all of them. Its largest market is non-metro New Hampshire, where it ranks 22 of 386 lenders.
Purchases made up 73.8% of its loans. Its typical loan was $365,000, against $235,000 at similar lenders, larger than at about four in five of them. Jumbo loans (larger than the conforming limit) were 7.1%, against 2.6%.
Its loans rose 8% to 214, close to the 7% at similar lenders and a little below the market's 10%. That ended a long slide, from 614 loans in 2020 to 198 in 2024.
Its share of Manchester-Nashua, NH, rose to 0.7% from 0.5%, putting it 38 of 344 lenders. Low- and moderate-income (LMI) borrowers took 23.4% of its loans, close to the 24.2% at similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Merrimack County Savings Bank took 366 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.8% · Refinance 17.8% · Home improvement 4.2% · Other 4.2%
Conventional 100.0% · of 214 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Hampshire | 206 | 96.3% |
| Maine | 5 | 2.3% |
| Massachusetts | 2 | 0.9% |
| Vermont | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manchester-Nashua | 50 |
| Rockingham County-Strafford County | 28 |
| Portland-South Portland | 4 |
| Boston | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YV7HFY5MTM2Z65 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 74403 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317960 | 2004–2017 |
Established 1 January 1867. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Merrimack County Savings Bank's data.
Merrimack County Savings Bank's data
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Merrimack County Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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