Merrimack County
New Hampshire · FIPS 33013
According to CFPB HMDA 2024 application volume among U.S. counties, Merrimack County ranks #463 of 3,210, and #3 of 10 in New Hampshire.
Mortgage lending activity in Merrimack County, New Hampshire based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Merrimack County, New Hampshire saw 5,640 HMDA-reported mortgage applications in 2024. Lenders originated 3,211 of those loans and denied 975, producing a denial rate of 17.3% and an approval (origination) rate of 56.9%. The average loan amount was $277,479 at an average note rate of 7.38%, with applicants self-reporting average annual income of $39K. 208 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.1x, meaning typical borrowers took on mortgages of about 7.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Merrimack County
In Merrimack County, lead originator Cmg Mortgage INC funded 10.9% of 3,211 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 23.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Merrimack County's 5,640 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Merrimack County's $277,479 average loan (deduped against volume peers).
Lenders active in Merrimack County
Cmg Mortgage INC funded 350 of the 3,211 loans originated in Merrimack County, 10.9% of the county. 208 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Cmg Mortgage INC | 350 | 10.9% |
| 2 | CBNA Year to Date | 239 | 7.4% |
| 3 | Rocket Mortgage | 180 | 5.6% |
| 4 | United Wholesale Mortgage | 180 | 5.6% |
| 5 | Guild Mortgage Company | 119 | 3.7% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Merrimack County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Merrimack County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.