Lebanon Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Lebanon averaged
7.02%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.83% and
one month ago for the week of 2025-02-27, the
average rate was 7.14%.
Lebanon's average rate one year ago was 6.97%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.26%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Lebanon 30 Year Fixed Rate | 2025-04-03 | 7.02% |
| Lebanon 30 Year Fixed Rate Refi | 2025-04-03 | 7.26% |
| Lebanon 15 Year Fixed Rate | 2025-04-03 | 6.45% |
| Lebanon 15 Year Fixed Rate Refi | 2025-04-03 | 5.72% |
| Lebanon 30 Year FHA | 2025-04-03 | 6.23% |
| Lebanon 30 Year FHA Refi | 2025-04-03 | 6.06% |
| Lebanon 30 Year USDA | 2025-04-03 | 6.12% |
| Lebanon 30 Year USDA Refi | 2025-04-03 | 6.12% |
| Lebanon 30 Year VA | 2025-04-03 | 5.98% |
| Lebanon 30 Year VA Refi | 2025-04-03 | 5.86% |
Lebanon Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Lebanon, NH-VT market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Lebanon Average Closing Costs & Other Stats
Lebanon, NH-VT's 176 lenders originated 4,060
loans during 2024. The total origination value was $1,113,580,000, with an average loan value of
$274,281.
Lebanon's average closing costs are $4,832.
The top Lebanon lender as defined by loan originations is EMM LOANS LLC, with
227 loans originated. Their average total fees are
$5,519, which is $473
higher than the next largest lender,
Mascoma Bank.
The lowest fee Lebanon lenders (with over 10 loans originated) are
Community Bank ($1,522), Service Federal Credit Union ($3,333), Meredith Village Savings Bank ($4,120), NEW ENGLAND FEDERAL CREDIT UNION ($4,235) and Northfield Savings Bank ($4,362).
The lowest rate Lebanon lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (6.08%), Citibank (6.09%), Vermont Federal Credit Union (6.21%), Service Federal Credit Union (6.25%) and NEW ENGLAND FEDERAL CREDIT UNION (6.27%).
Lebanon, NH-VT Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Mascoma Bank | $156,530,000 | $134,945,000 | -13.8% | 12.1% |
| EMM LOANS LLC | $56,915,000 | $114,570,000 | 101.3% | 10.3% |
| QUICKEN LOANS, LLC | $48,060,000 | $59,730,000 | 24.3% | 5.4% |
| Union Bank | $41,730,000 | $46,995,000 | 12.6% | 4.2% |
| CMG MORTGAGE, INC. | $33,100,000 | $37,520,000 | 13.4% | 3.4% |
| Citizens Bank | $39,805,000 | $36,685,000 | -7.8% | 3.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $31,910,000 | $33,785,000 | 5.9% | 3.0% |
| Bar Harbor Bank & Trust | $34,685,000 | $29,170,000 | -15.9% | 2.6% |
| Bank of America | $17,415,000 | $23,695,000 | 36.1% | 2.1% |
| Meredith Village Savings Bank | $29,495,000 | $19,020,000 | -35.5% | 1.7% |
| Mortgage Research Center, LLC | $11,205,000 | $18,740,000 | 67.2% | 1.7% |
| Service Federal Credit Union | $19,555,000 | $18,665,000 | -4.6% | 1.7% |
| NEW ENGLAND FEDERAL CREDIT UNION | $16,070,000 | $18,460,000 | 14.9% | 1.7% |
| GUARANTEED RATE, INC. | $10,415,000 | $17,495,000 | 68.0% | 1.6% |
| NORTHEAST HOME LOAN, LLC | $8,425,000 | $17,315,000 | 105.5% | 1.6% |
| M&T Bank | $7,835,000 | $15,235,000 | 94.4% | 1.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $15,510,000 | $15,120,000 | -2.5% | 1.4% |
| JPMorgan Chase Bank | $23,050,000 | $14,595,000 | -36.7% | 1.3% |
| MEMBERS ADVANTAGE COMMUNITY CREDIT UNION | $6,010,000 | $13,555,000 | 125.5% | 1.2% |
| TD Bank | $22,055,000 | $12,215,000 | -44.6% | 1.1% |
| NAVY FEDERAL CREDIT UNION | $11,035,000 | $11,275,000 | 2.2% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $9,730,000 | $11,205,000 | 15.2% | 1.0% |
| Citibank | $7,545,000 | $10,960,000 | 45.3% | 1.0% |
| HARBORONE MORTGAGE, LLC | $9,825,000 | $10,605,000 | 7.9% | 1.0% |
| Morgan Stanley Private Bank | $9,725,000 | $10,280,000 | 5.7% | 0.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $9,100,000 | $9,750,000 | 7.1% | 0.9% |
| Franklin Savings Bank | $12,750,000 | $9,270,000 | -27.3% | 0.8% |
| M&T Realty Capital Corporation | $9,005,000 | n/a | 0.8% | |
| Northfield Savings Bank | $4,930,000 | $8,600,000 | 74.4% | 0.8% |
| NORTHEAST CREDIT UNION | $7,390,000 | $7,980,000 | 8.0% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $5,755,000 | $7,915,000 | 37.5% | 0.7% |
| GUILD MORTGAGE COMPANY | $15,860,000 | $7,570,000 | -52.3% | 0.7% |
| Wells Fargo Bank | $5,550,000 | $7,500,000 | 35.1% | 0.7% |
| LOANDEPOT.COM, LLC | $6,995,000 | $7,435,000 | 6.3% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $3,065,000 | $7,055,000 | 130.2% | 0.6% |
| Berkshire Bank | $8,850,000 | $7,020,000 | -20.7% | 0.6% |
| Community Bank | $5,255,000 | $6,740,000 | 28.3% | 0.6% |
| Leader Bank | $7,240,000 | $6,625,000 | -8.5% | 0.6% |
| Bangor Savings Bank | $4,245,000 | $6,410,000 | 51.0% | 0.6% |
| Community National Bank | $4,085,000 | $6,140,000 | 50.3% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $11,335,000 | $6,080,000 | -46.4% | 0.5% |
| WALKER & DUNLOP, LLC | $31,395,000 | $5,865,000 | -81.3% | 0.5% |
| USAA Federal Savings Bank | $3,960,000 | $5,550,000 | 40.2% | 0.5% |
| NORTH COUNTRY | $3,605,000 | $5,420,000 | 50.3% | 0.5% |
| BROKER SOLUTIONS, INC. | $3,750,000 | $5,315,000 | 41.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,385,000 | $5,140,000 | -4.5% | 0.5% |
| Charles Schwab Bank, SSB | $1,420,000 | $4,895,000 | 244.7% | 0.4% |
| American Mortgage & Equity Consultants, Inc. | $2,630,000 | $4,385,000 | 66.7% | 0.4% |
| NBT Bank | $3,225,000 | $4,200,000 | 30.2% | 0.4% |
| NEWREZ LLC | $900,000 | $4,140,000 | 360.0% | 0.4% |
| BAY EQUITY LLC | $325,000 | $3,950,000 | 1,115.4% | 0.4% |
| ONE Credit Union | $2,650,000 | $3,930,000 | 48.3% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $1,095,000 | $3,750,000 | 242.5% | 0.3% |
| UBS Bank USA | $955,000 | $3,645,000 | 281.7% | 0.3% |
| Vermont Federal Credit Union | $2,855,000 | $3,630,000 | 27.1% | 0.3% |
| EVERETT FINANCIAL, INC. | $2,745,000 | $3,440,000 | 25.3% | 0.3% |
| Merrimack County Savings Bank | $960,000 | $3,435,000 | 257.8% | 0.3% |
| RADIUS FINANCIAL GROUP INC. | $380,000 | $3,435,000 | 803.9% | 0.3% |
| U.S. Bank | $1,660,000 | $3,200,000 | 92.8% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,320,000 | $2,890,000 | -13.0% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $3,930,000 | $2,800,000 | -28.8% | 0.3% |
| The Camden National Bank | $500,000 | $2,755,000 | 451.0% | 0.2% |
| MORTGAGE EQUITY PARTNERS LLC | $895,000 | $2,695,000 | 201.1% | 0.2% |
| ST. MARY'S BANK | $4,075,000 | $2,630,000 | -35.5% | 0.2% |
| NORTHPOINT MORTGAGE, INC. | $1,645,000 | $2,550,000 | 55.0% | 0.2% |
| PNC Bank | $3,175,000 | $2,385,000 | -24.9% | 0.2% |
| Waterstone Mortgage Corporation | $2,590,000 | $2,270,000 | -12.4% | 0.2% |
| Keystone Funding, Inc. | $1,085,000 | $2,155,000 | 98.6% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,885,000 | $2,140,000 | -44.9% | 0.2% |
| DIGITAL Federal Credit Union | $1,495,000 | $2,095,000 | 40.1% | 0.2% |
| The Federal Savings Bank | $2,095,000 | $1,995,000 | -4.8% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $1,430,000 | $1,975,000 | 38.1% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $300,000 | $1,925,000 | 541.7% | 0.2% |
| WILLIAM RAVEIS MORTGAGE, LLC | $1,845,000 | $1,885,000 | 2.2% | 0.2% |
| Main Street Bank | $5,095,000 | $1,820,000 | -64.3% | 0.2% |
| Figure Lending LLC | $1,135,000 | $1,770,000 | 55.9% | 0.2% |
| TOTAL MORTGAGE SERVICES, LLC | $1,590,000 | $1,740,000 | 9.4% | 0.2% |
| Needham Bank | $1,050,000 | $1,720,000 | 63.8% | 0.2% |
| Discover Bank | $1,330,000 | $1,715,000 | 28.9% | 0.2% |
| Truist | $1,710,000 | n/a | 0.2% | |
| Advisors Mortgage Group, L.L.C. | $2,525,000 | $1,685,000 | -33.3% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $4,165,000 | $1,655,000 | -60.3% | 0.1% |
| LENDSURE MORTGAGE CORP. | $165,000 | $1,640,000 | 893.9% | 0.1% |
| Easthampton Savings Bank | $2,515,000 | $1,615,000 | -35.8% | 0.1% |
| PHH Mortgage Corporation | $225,000 | $1,580,000 | 602.2% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $455,000 | $1,560,000 | 242.9% | 0.1% |
| Bank Rhode Island | $1,505,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $2,730,000 | $1,505,000 | -44.9% | 0.1% |
| Jeanne D'Arc Credit Union | $1,580,000 | $1,435,000 | -9.2% | 0.1% |
| Granite State Credit Union | $1,370,000 | $1,410,000 | 2.9% | 0.1% |
| NBKC BANK | $1,435,000 | $1,405,000 | -2.1% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $1,705,000 | $1,385,000 | -18.8% | 0.1% |
| SALEM FIVE MORTGAGE COMPANY, LLC | $1,705,000 | $1,385,000 | -18.8% | 0.1% |
| Carrington Mortgage Services, LLC | $1,610,000 | $1,365,000 | -15.2% | 0.1% |
| ENVOY MORTGAGE, LTD | $675,000 | $1,365,000 | 102.2% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $895,000 | $1,305,000 | 45.8% | 0.1% |
| The Huntington National Bank | $1,975,000 | $1,305,000 | -33.9% | 0.1% |
| MEMBERS MORTGAGE COMPANY, INC. | $710,000 | $1,295,000 | 82.4% | 0.1% |
| Bank of New Hampshire | $9,395,000 | $1,275,000 | -86.4% | 0.1% |
| CENTRAL ONE FEDERAL CREDIT UNION | $165,000 | $1,235,000 | 648.5% | 0.1% |
| Eastern Bank | $3,225,000 | $1,215,000 | -62.3% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,215,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $1,210,000 | n/a | 0.1% | |
| NORWICH COMMERCIAL GROUP, INC. | $1,665,000 | $1,205,000 | -27.6% | 0.1% |
| BETTER MORTGAGE CORPORATION | $670,000 | $1,200,000 | 79.1% | 0.1% |
| Equity Prime Mortgage LLC | $1,080,000 | n/a | 0.1% | |
| Haverhill Bank | $1,080,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $720,000 | $1,070,000 | 48.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,110,000 | $1,070,000 | -3.6% | 0.1% |
| Farm Credit East, ACA | $1,485,000 | $1,055,000 | -29.0% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $750,000 | $1,040,000 | 38.7% | 0.1% |
| NEW DAY FINANCIAL, LLC | $875,000 | $1,035,000 | 18.3% | 0.1% |
| Northway Bank | $5,940,000 | $1,025,000 | -82.7% | 0.1% |
| Nations Lending Corporation | $485,000 | $1,000,000 | 106.2% | 0.1% |
| Hometown Equity Mortgage, LLC | $685,000 | $990,000 | 44.5% | 0.1% |
| SPRING EQ, LLC | $260,000 | $975,000 | 275.0% | 0.1% |
| PeoplesBank | $135,000 | $970,000 | 618.5% | 0.1% |
| The Savings Bank | $970,000 | n/a | 0.1% | |
| Willamette Valley Bank | $925,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $920,000 | n/a | 0.1% | |
| Ally Bank | $875,000 | $915,000 | 4.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $790,000 | $900,000 | 13.9% | 0.1% |
| NEW FED MORTGAGE, CORP. | $560,000 | $900,000 | 60.7% | 0.1% |
| Navigant Credit Union | $805,000 | $885,000 | 9.9% | 0.1% |
| Rockland Trust Company | $1,855,000 | $885,000 | -52.3% | 0.1% |
| POLARIS HOME FUNDING CORP. | $540,000 | $870,000 | 61.1% | 0.1% |
| BayCoast Bank | $860,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $645,000 | $840,000 | 30.2% | 0.1% |
| Prosperity Home Mortgage, LLC | $385,000 | $810,000 | 110.4% | 0.1% |
| Raymond James Bank | $760,000 | n/a | 0.1% | |
| Institution for Savings in Newburyport and Its Vicinity | $745,000 | n/a | 0.1% | |
| Norway Savings Bank | $730,000 | n/a | 0.1% | |
| NFM, INC. | $725,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $585,000 | $720,000 | 23.1% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $715,000 | n/a | 0.1% | |
| Goldman Sachs Bank USA | $1,715,000 | $715,000 | -58.3% | 0.1% |
| MERRIMACK VALLEY | $65,000 | $715,000 | 1,000.0% | 0.1% |
| HANSCOM | $1,725,000 | $710,000 | -58.8% | 0.1% |
| HOMESTEAD FUNDING CORP. | $495,000 | $710,000 | 43.4% | 0.1% |
| The Bank of Canton | $710,000 | n/a | 0.1% | |
| BELLWETHER COMMUNITY | $780,000 | $695,000 | -10.9% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $155,000 | $675,000 | 335.5% | 0.1% |
| PLANET HOME LENDING, LLC | $670,000 | n/a | 0.1% | |
| Bank-Fund Staff Federal Credit Union | $455,000 | $660,000 | 45.1% | 0.1% |
| Monson Savings Bank | $1,445,000 | $660,000 | -54.3% | 0.1% |
| Bethpage Federal Credit Union | $440,000 | $655,000 | 48.9% | 0.1% |
| Salem Co-Operative Bank | $615,000 | $650,000 | 5.7% | 0.1% |
| Axos Bank | $635,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $935,000 | $630,000 | -32.6% | 0.1% |
| Paramount Bank | $625,000 | n/a | 0.1% | |
| Northpointe Bank | $975,000 | $620,000 | -36.4% | 0.1% |
| Cambridge Trust Company | $2,085,000 | $610,000 | -70.7% | 0.1% |
| Pentucket Bank | $605,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $590,000 | n/a | 0.1% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $585,000 | n/a | 0.1% | |
| The Central Trust Bank | $585,000 | n/a | 0.1% | |
| Workers Credit Union | $895,000 | $570,000 | -36.3% | 0.1% |
| GENEVA FINANCIAL, LLC | $305,000 | $560,000 | 83.6% | 0.1% |
| UniBank for Savings | $545,000 | n/a | 0.0% | |
| BARTLETT MORTGAGE, INC. | $540,000 | n/a | 0.0% | |
| METRO | $525,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $940,000 | $515,000 | -45.2% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $510,000 | n/a | 0.0% | |
| First Seacoast Bank | $510,000 | n/a | 0.0% | |
| Enterprise Bank and Trust Company | $1,335,000 | $505,000 | -62.2% | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | $680,000 | $500,000 | -26.5% | 0.0% |
| EMBRACE HOME LOANS, INC. | $2,120,000 | $500,000 | -76.4% | 0.0% |
| ALLIANT CREDIT UNION | $490,000 | n/a | 0.0% | |
| Evolve Bank & Trust | $755,000 | $490,000 | -35.1% | 0.0% |
| First-Citizens Bank & Trust Company | $2,145,000 | $485,000 | -77.4% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $295,000 | $485,000 | 64.4% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $1,515,000 | $480,000 | -68.3% | 0.0% |
| 21ST MORTGAGE CORPORATION | $675,000 | $475,000 | -29.6% | 0.0% |
| Bank of England | $715,000 | $475,000 | -33.6% | 0.0% |
| Logan Finance Corporation | $475,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $455,000 | n/a | 0.0% | |
| Presidential Bank, FSB | $435,000 | n/a | 0.0% | |
| Winchester Co-operative Bank | $295,000 | $435,000 | 47.5% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $265,000 | $430,000 | 62.3% | 0.0% |
| DREW MORTGAGE ASSOCIATES, INC. | $430,000 | n/a | 0.0% | |
| OCMBC, INC. | $430,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $430,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $440,000 | $425,000 | -3.4% | 0.0% |
| Baxter Credit Union | $420,000 | n/a | 0.0% | |
| ARC HOME LLC | $920,000 | $415,000 | -54.9% | 0.0% |
| North American Savings Bank, F.S.B. | $415,000 | n/a | 0.0% | |
| Salem Five Cents Savings Bank | $595,000 | $415,000 | -30.3% | 0.0% |
| Flagstar Bank, FSB | $1,470,000 | $405,000 | -72.4% | 0.0% |
| Coastal Community Bank | $355,000 | $400,000 | 12.7% | 0.0% |
| OceanFirst Bank | $395,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $395,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $385,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $590,000 | $375,000 | -36.4% | 0.0% |
| HARTFORD FUNDING, LTD. | $375,000 | n/a | 0.0% | |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | $910,000 | $375,000 | -58.8% | 0.0% |
| Fall River Five Cents Savings Bank | $465,000 | $365,000 | -21.5% | 0.0% |
| First Federal Bank | $1,150,000 | $365,000 | -68.3% | 0.0% |
| Armed Forces Bank | $890,000 | $355,000 | -60.1% | 0.0% |
| BOSTON FIREFIGHTERS | $275,000 | $345,000 | 25.5% | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | $345,000 | n/a | 0.0% | |
| Triangle Credit Union | $345,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $335,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $330,000 | n/a | 0.0% | |
| Newburyport Five Cents Savings Bank | $770,000 | $325,000 | -57.8% | 0.0% |
| NP, Inc. | $325,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $325,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $315,000 | n/a | 0.0% | |
| Mortgage Assurance Inc. | $315,000 | n/a | 0.0% | |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $265,000 | $310,000 | 17.0% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $305,000 | n/a | 0.0% | |
| Magnolia Bank | $305,000 | n/a | 0.0% | |
| NEW HAMPSHIRE | $90,000 | $300,000 | 233.3% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $465,000 | $295,000 | -36.6% | 0.0% |
| TRADEMARK | $280,000 | n/a | 0.0% | |
| Members First Credit Union N.H. | $275,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $405,000 | $270,000 | -33.3% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,680,000 | $265,000 | -84.2% | 0.0% |
| MLD MORTGAGE INC. | $325,000 | $265,000 | -18.5% | 0.0% |
| RBC Bank, (Georgia) | $385,000 | $265,000 | -31.2% | 0.0% |
| Cambridge Savings Bank | $255,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $255,000 | n/a | 0.0% | |
| Semper Home Loans, Inc. | $175,000 | $255,000 | 45.7% | 0.0% |
| The Northern Trust Company | $255,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP | $255,000 | n/a | 0.0% | |
| Academy Bank | $245,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $245,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $245,000 | n/a | 0.0% | |
| ALIGN CREDIT UNION | $235,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $235,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $225,000 | n/a | 0.0% | |
| First American Bank | $225,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $215,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $215,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $105,000 | $210,000 | 100.0% | 0.0% |
| DAS Acquisition Company, LLC | $205,000 | n/a | 0.0% | |
| MSA MORTGAGE, LLC | $205,000 | n/a | 0.0% | |
| Webster Bank | $205,000 | n/a | 0.0% | |
| INTERSTATE HOME LOAN CENTER, INC. | $195,000 | n/a | 0.0% | |
| Ixonia Bank | $195,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $185,000 | n/a | 0.0% | |
| ADVANCIAL | $175,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $420,000 | $175,000 | -58.3% | 0.0% |
| EQUITY RESOURCES, INC. | $225,000 | $175,000 | -22.2% | 0.0% |
| First Savings Bank | $725,000 | $175,000 | -75.9% | 0.0% |
| GFA Federal Credit Union | $155,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $155,000 | n/a | 0.0% | |
| COMMUNITY FIRST CREDIT UNION OF FLO | $145,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $145,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $45,000 | $125,000 | 177.8% | 0.0% |
| PAWTUCKET | $125,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $125,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $105,000 | n/a | 0.0% | |
| KeyBank | $600,000 | $100,000 | -83.3% | 0.0% |
| Plains Commerce Bank | $415,000 | $95,000 | -77.1% | 0.0% |
| HarborOne Bank | $55,000 | n/a | 0.0% | |
| HARVARD UNIVERSITY EMPLOYEES | $630,000 | $55,000 | -91.3% | 0.0% |
| Holy Rosary Regional Credit Union | $415,000 | $55,000 | -86.7% | 0.0% |
| WEBSTER FIRST Federal Credit Union | $55,000 | n/a | 0.0% | |
| Clearview Federal Credit Union | $45,000 | n/a | 0.0% | |
| N R L Federal Credit Union | $45,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $25,000 | n/a | 0.0% |
Lebanon's top lender by overall market share is Mascoma Bank, with 12.1% market share. In second place, with 10.3%, is EMM LOANS LLC, having originated $114,570,000 in loans. In third place, with 5.4%, is QUICKEN LOANS, LLC, having originated $59,730,000 in loans. In fourth place, with 4.2%, is Union Bank, having originated $46,995,000 in loans. In fifth place, with 3.4%, is CMG MORTGAGE, INC., having originated $37,520,000 in loans.
Lebanon, NH-VT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,071 | $747,125,000 | $360,756 |
| Other | 539 | $72,575,000 | $134,647 |
| Home Improvement | 538 | $59,770,000 | $111,097 |
| Cash Out Refi | 504 | $113,170,000 | $224,544 |
| Refi | 408 | $120,940,000 | $296,422 |
Lebanon's most frequently cited loan purpose was Home Purchase, with 2,071 originations. The 2nd most popular reason was Other, with 539 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,692 | $522,110,000 | $308,576 |
| 7-8% | 1,212 | $316,500,000 | $261,139 |
| Over 8% | 668 | $103,050,000 | $154,266 |
| 5-6% | 388 | $137,110,000 | $353,376 |
| 4-5% | 26 | $8,760,000 | $336,923 |
| <2.5% | 9 | $115,000 | $12,778 |
| 3-4% | 2 | $200,000 | $100,000 |
| 2.5-3% | 1 | $415,000 | $415,000 |
During 2024, Lebanon's most frequently originated rate bucket was 6-7%, with 1,692 originations.
Loan Sizing (Lebanon, NH-VT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,503 | $429,265,000 | $285,605 |
| $100,000 or less | 902 | $48,920,000 | $54,235 |
| $100k-200k | 896 | $131,550,000 | $146,819 |
| $400k-600k | 474 | $224,900,000 | $474,473 |
| $600k-1000k | 207 | $150,965,000 | $729,300 |
| $Over $1MM | 78 | $127,980,000 | $1,640,769 |
Lebanon's loan sizing saw the bucket of loans from $200k-400k with 1,503 originations, totaling $429,265,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 1,050 | $393,640,000 | $374,895 |
| 80-100% | 1,031 | $377,865,000 | $366,503 |
| 20-40% | 684 | $102,500,000 | $149,854 |
| Under 20% | 661 | $47,975,000 | $72,579 |
| 40-60% | 516 | $141,530,000 | $274,283 |
| Over 100% | 47 | $19,645,000 | $417,979 |
Lebanon's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,050 originations, totaling $393,640,000 in origination value.