Lebanon Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Lebanon averaged 6.83% for the week of 2024-04-11, compared to the national average of 6.88% for the same period.

The average rate for the prior week (2024-04-04) was 6.67% and one month ago for the week of 2024-03-07, the average rate was 6.83%.

Lebanon's average rate one year ago was 6.33%.

For refis of the same type during the week of 2024-04-11, the average rate was 7.08%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-11 6.88%
Lebanon 30 Year Fixed Rate 2024-04-11 6.83%
Lebanon 30 Year Fixed Rate Refi 2024-04-11 7.08%
Lebanon 15 Year Fixed Rate 2024-04-11 6.29%
Lebanon 15 Year Fixed Rate Refi 2024-04-11 6.06%
Lebanon 30 Year FHA 2024-04-11 6.65%
Lebanon 30 Year FHA Refi 2024-04-11 6.54%
Lebanon 30 Year USDA 2024-04-11 6.81%
Lebanon 30 Year USDA Refi 2024-04-11 6.61%
Lebanon 30 Year VA 2024-04-11 6.42%
Lebanon 30 Year VA Refi 2024-04-11 6.67%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Lebanon, NH-VT.

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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mascoma Bank 242 6.68% $4,522
EMM LOANS LLC 136 7.05% $5,315
QUICKEN LOANS, LLC 107 6.85% $8,131
Union Bank 84 6.80% $6,150
CMG MORTGAGE, INC. 75 7.07% $5,064
UNITED WHOLESALE MORTGAGE, LLC 62 6.93% $6,480
Bar Harbor Bank & Trust 46 6.34% $4,599
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 37 7.05% $5,793
Meredith Village Savings Bank 34 7.20% $4,088
GUILD MORTGAGE COMPANY 34 6.90% $5,897
Citizens Bank 32 6.78% $5,339
MOVEMENT MORTGAGE, LLC 31 7.04% $6,271
NEW ENGLAND FEDERAL CREDIT UNION 27 6.83% $4,236
Bank of New Hampshire 27 7.10% $3,565
JPMorgan Chase Bank 25 6.48% $6,268
NORTHEAST HOME LOAN, LLC 24 6.85% $5,280
GUARANTEED RATE, INC. 22 7.06% $6,593
Bank of America 20 6.24% $6,617
CROSSCOUNTRY MORTGAGE, LLC 20 7.10% $5,700
Community Bank 19 6.57% $21
TD Bank 18 6.61% $3,671
NAVY FEDERAL CREDIT UNION 18 6.96% $4,678
PRIMELENDING, A PLAINSCAPITAL COMPANY 16 6.55% $8,038
Leader Bank 16 7.00% $4,584
HARBORONE MORTGAGE, LLC 16 6.84% $5,213
LOANDEPOT.COM, LLC 15 6.69% $8,023
Northway Bank 12 6.80% $4,568
Morgan Stanley Private Bank 12 5.85% $4,386
NORTHEAST CREDIT UNION 11 6.27% $6,195
Mr. Cooper ( Nationstar Mortgage ) 11 6.85% $8,939
Wells Fargo Bank 10 6.74% $8,639
Northfield Savings Bank 10 6.11% $3,394
Vermont Federal Credit Union 9 6.50% $4,052
Citibank 9 4.83% $6,318
Advisors Mortgage Group, L.L.C. 9 6.29% $7,590
HOMEBRIDGE FINANCIAL SERVICES, INC. 9 6.64% $7,038
PRIMARY RESIDENTIAL MORTGAGE, INC. 9 7.09% $10,067
PENNYMAC LOAN SERVICES, LLC 8 6.52% $4,095
AMERISAVE MORTGAGE CORPORATION 8 6.05% $9,299
Service Federal Credit Union 8 6.30% $3,872
Berkshire Bank 7 5.91% $5,485
M&T Bank 7 6.96% $4,235
NORWICH COMMERCIAL GROUP, INC. 6 7.29% $6,072
ST. MARY'S BANK 6 6.54% $3,486
EVERETT FINANCIAL, INC. 6 7.40% $6,140
NORTH COUNTRY 5 7.20% $4,212
SALEM FIVE MORTGAGE COMPANY, LLC 5 6.77% $5,347
Bangor Savings Bank 5 6.33% $3,912
CHURCHILL MORTGAGE CORPORATION 5 7.05% $6,578
Mortgage Research Center, LLC 5 7.10% $4,168
The Huntington National Bank 5 6.63% $4,051
Farm Credit East, ACA 5 7.64% $5,289
First Republic Bank 4 4.99% $5,623
American Mortgage & Equity Consultants, Inc. 4 7.03% $6,685
GUARANTEED RATE AFFINITY, LLC 4 7.22% $4,285
North Shore Bank, a Co-operative Bank 4 6.09% $4,546
Rockland Trust Company 4 6.19% $4,313
Easthampton Savings Bank 4 6.44% $4,252
ACADEMY MORTGAGE CORPORATION 4 7.41% $6,793
Community National Bank 4 7.09% $3,455
PNC Bank 4 6.56% $6,996
PENTAGON FEDERAL CREDIT UNION 4 6.69% $3,746
Jeanne D'Arc Credit Union 3 6.04% $6,528
Ally Bank 3 6.00% $9,313
BETTER MORTGAGE CORPORATION 3 6.83% $3,336
BNY Mellon 3 5.21% $6,310
BROKER SOLUTIONS, INC. 3 6.79% $8,606
Charles Schwab Bank, SSB 3 6.62% $4,916
EMBRACE HOME LOANS, INC. 3 7.42% $4,766
Flagstar Bank, FSB 3 7.08% $6,445
Goldman Sachs Bank USA 3 5.63% $3,411
Granite State Credit Union 3 6.25% $3,345
HANSCOM 3 6.08% $3,461
Home Loan Investment Bank, F.S.B. 3 6.96% $7,519
21ST MORTGAGE CORPORATION 3 8.00% $5,446
Main Street Bank 3 6.46% $14,992
NBKC BANK 3 6.58% $3,706
NEWREZ LLC 3 7.00% $4,831
RELIANCE FIRST CAPITAL, LLC 3 6.50% $9,022
Stifel Bank and Trust 3 6.13% $2,893
TOTAL MORTGAGE SERVICES, LLC 3 7.13% $5,055
USAA Federal Savings Bank 3 6.63% $4,650
WILLIAM RAVEIS MORTGAGE, LLC 3 6.88% $11,925
ZILLOW HOME LOANS, LLC 3 7.25% $10,133
LEADERONE FINANCIAL CORPORATION 2 7.00% $5,966
Discover Bank 2 6.74% $0
Navigant Credit Union 2 6.13% $3,117
LAKEVIEW LOAN SERVICING, LLC 2 7.56% $7,286
MORTGAGE EQUITY PARTNERS LLC 2 7.19% $9,749
The Camden National Bank 2 7.19% $4,437
The Federal Savings Bank 2 7.00% $9,823
BELLWETHER COMMUNITY 2 6.19% $3,566
Northpointe Bank 2 6.88% $4,536
FREEDOM MORTGAGE CORPORATION 2 6.94% $8,708
MEMBERS MORTGAGE COMPANY, INC. 2 6.00% $3,627
RADIUS FINANCIAL GROUP INC. 2 7.81% $4,203
Firstrust Savings Bank 2 6.44% $9,072
Farmers Bank & Trust 2 6.69% $4,209
Waterstone Mortgage Corporation 2 8.63% $11,328
ENVOY MORTGAGE, LTD 2 7.88% $6,934
First-Citizens Bank & Trust Company 2 5.88% $6,073
Merrimack County Savings Bank 2 7.13% $4,018
MUTUAL OF OMAHA MORTGAGE, INC. 2 7.19% $7,163
Bridgewater Savings Bank 2 6.63% $3,683
Workers Credit Union 2 5.81% $3,819
Armed Forces Bank 2 8.00% $4,591
U.S. Bank 2 6.88% $5,608
DIGITAL Federal Credit Union 1 5.63% $5,378
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.38% $9,634
City National Bank 1 6.63% $5,175
NORTHPOINT MORTGAGE, INC. 1 6.63% $5,148
CIBM Bank 1 4.38% $9,719
Chemung Canal Trust Company 1 6.38% $3,127
Carrington Mortgage Services, LLC 1 6.50% $8,892
FineMark National Bank & Trust 1 7.00% $18,341
PHH Mortgage Corporation 1 7.38% $4,143
Plains Commerce Bank 1 7.50% $14,633
PLAZA HOME MORTGAGE, INC. 1 7.50% $10,601
BOKF 1 6.00% $4,236
Bethpage Federal Credit Union 1 7.38% $4,045
Prosperity Home Mortgage, LLC 1 6.63% $6,647
Barrington Bank & Trust Company, N.A. 1 7.13% $5,480
RBC Bank, (Georgia) 1 6.13% $2,774
Bank of England 1 7.50% $7,414
Bank-Fund Staff Federal Credit Union 1 5.13% $4,213
SCIENT Federal Credit Union 1 4.75% $5,171
Semper Home Loans, Inc. 1 6.63% $6,938
SIS BANCORP, MHC 1 7.25% $3,499
ABSOLUTE HOME MORTGAGE CORPORATION 1 7.13% $12,892
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.88% $10,789
ARC HOME LLC 1 7.13% $4,599
TEACHERS 1 7.25% $4,740
AmeriHome Mortgage Company, LLC 1 6.38% $2,005
Wyndham Capital Mortgage, Inc. 1 6.50% $4,395
UBS Bank USA 1 5.38% $6,514
AMERICAN FINANCING CORPORATION 1 6.63% $7,366
First National Bank of America 1 9.63% $14,014
FIRST HOME MORTGAGE CORPORATION 1 6.49% $4,486
AMERICAN FINANCIAL RESOURCES, INC. 1 7.13% $10,234
HARVARD UNIVERSITY EMPLOYEES 1 7.13% $2,862
Holy Rosary Regional Credit Union 1 6.00% $3,595
FirstBank 1 7.38% $5,205
HOMESTEAD FUNDING CORP. 1 7.13% $6,593
Cambridge Trust Company 1 5.75% $3,606
KeyBank 1 6.88% $3,954
Lakeland Bank 1 8.13% $6,562
Fifth Third Bank 1 5.50% $6,418
LENOX FINANCIAL MORTGAGE CORPORATION 1 7.50% $3,871
Fidelity Co-operative Bank 1 6.88% $5,374
US MORTGAGE CORPORATION 1 8.50% $8,842
FBC MORTGAGE, LLC 1 7.50% $5,415
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION 1 6.25% $3,838
MLD MORTGAGE INC. 1 6.38% $4,007
Fall River Five Cents Savings Bank 1 7.00% $3,876
Evolve Bank & Trust 1 6.63% $2,558
EQUITY RESOURCES, INC. 1 7.63% $3,375
Enterprise Bank and Trust Company 1 6.13% $9,862
Nations Lending Corporation 1 7.50% $10,761
Eastern Bank 1 5.75% $3,429
Adams Community Bank 1 4.50% $12,085
NBT Bank 1 6.63% $4,710
Needham Bank 1 6.13% $3,362
DRAPER AND KRAMER MORTGAGE CORP. 1 7.00% $3,139
WASHINGTON TRUST MORTGAGE COMPANY LLC 1 6.88% $3,930
NexBank 1 6.99% $15,020
NJ LENDERS CORP. 1 6.88% $3,928

Lebanon Average Closing Costs & Other Stats

Lebanon, NH-VT's 166 lenders originated 3,920 loans during 2023. The total origination value was $1,060,780,000, with an average loan value of $270,607.

Lebanon's average closing costs are $4,638.

The top Lebanon lender as defined by loan originations is Mascoma Bank, with 242 loans originated. Their average total fees are $4,522, which is $793 lower than the next largest lender, EMM LOANS LLC.

The lowest fee Lebanon lenders (with over 10 loans originated) are Community Bank ($21), Northfield Savings Bank ($3,394), Bank of New Hampshire ($3,565), TD Bank ($3,671) and Meredith Village Savings Bank ($4,088).

The lowest rate Lebanon lenders (with over 10 loans originated) are Morgan Stanley Private Bank (5.85%), Northfield Savings Bank (6.11%), Bank of America (6.24%), NORTHEAST CREDIT UNION (6.27%) and Bar Harbor Bank & Trust (6.34%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Mascoma Bank $229,730,000 $156,530,000 -31.9% 14.8%
EMM LOANS LLC $43,455,000 $56,915,000 31.0% 5.4%
QUICKEN LOANS, LLC $83,995,000 $48,060,000 -42.8% 4.5%
Union Bank $28,405,000 $41,730,000 46.9% 3.9%
Citizens Bank $55,365,000 $39,805,000 -28.1% 3.8%
Bar Harbor Bank & Trust $51,310,000 $34,685,000 -32.4% 3.3%
CMG MORTGAGE, INC. $24,620,000 $33,100,000 34.4% 3.1%
UNITED WHOLESALE MORTGAGE, LLC $48,075,000 $31,910,000 -33.6% 3.0%
WALKER & DUNLOP, LLC $31,395,000 n/a 3.0%
Meredith Village Savings Bank $56,885,000 $29,495,000 -48.1% 2.8%
JPMorgan Chase Bank $15,285,000 $23,050,000 50.8% 2.2%
TD Bank $14,790,000 $22,055,000 49.1% 2.1%
Service Federal Credit Union $51,035,000 $19,555,000 -61.7% 1.8%
Bank of America $30,635,000 $17,415,000 -43.2% 1.6%
NEW ENGLAND FEDERAL CREDIT UNION $7,240,000 $16,070,000 122.0% 1.5%
GUILD MORTGAGE COMPANY $16,170,000 $15,860,000 -1.9% 1.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $17,545,000 $15,510,000 -11.6% 1.5%
Franklin Savings Bank $15,300,000 $12,750,000 -16.7% 1.2%
MOVEMENT MORTGAGE, LLC $9,490,000 $11,335,000 19.4% 1.1%
Mortgage Research Center, LLC $18,460,000 $11,205,000 -39.3% 1.1%
NAVY FEDERAL CREDIT UNION $12,345,000 $11,035,000 -10.6% 1.0%
GUARANTEED RATE, INC. $13,120,000 $10,415,000 -20.6% 1.0%
HARBORONE MORTGAGE, LLC $17,445,000 $9,825,000 -43.7% 0.9%
CROSSCOUNTRY MORTGAGE, LLC $13,965,000 $9,730,000 -30.3% 0.9%
Morgan Stanley Private Bank $12,335,000 $9,725,000 -21.2% 0.9%
Bank of New Hampshire $15,075,000 $9,395,000 -37.7% 0.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $12,305,000 $9,100,000 -26.0% 0.9%
Berkshire Bank $13,420,000 $8,850,000 -34.1% 0.8%
NORTHEAST HOME LOAN, LLC $6,005,000 $8,425,000 40.3% 0.8%
The National Bank of Middlebury $1,145,000 $8,265,000 621.8% 0.8%
M&T Bank $8,680,000 $7,835,000 -9.7% 0.7%
Citibank $14,840,000 $7,545,000 -49.2% 0.7%
NORTHEAST CREDIT UNION $11,840,000 $7,390,000 -37.6% 0.7%
Leader Bank $11,245,000 $7,240,000 -35.6% 0.7%
LOANDEPOT.COM, LLC $16,820,000 $6,995,000 -58.4% 0.7%
MEMBERS ADVANTAGE COMMUNITY CREDIT UNION $4,905,000 $6,010,000 22.5% 0.6%
Northway Bank $26,900,000 $5,940,000 -77.9% 0.6%
PENNYMAC LOAN SERVICES, LLC $9,315,000 $5,755,000 -38.2% 0.5%
Wells Fargo Bank $15,680,000 $5,550,000 -64.6% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $10,550,000 $5,385,000 -49.0% 0.5%
Community Bank $4,075,000 $5,255,000 29.0% 0.5%
Main Street Bank $6,560,000 $5,095,000 -22.3% 0.5%
BNY Mellon $2,755,000 $5,035,000 82.8% 0.5%
Northfield Savings Bank $15,705,000 $4,930,000 -68.6% 0.5%
Bangor Savings Bank $4,910,000 $4,245,000 -13.5% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $8,340,000 $4,165,000 -50.1% 0.4%
Community National Bank $4,970,000 $4,085,000 -17.8% 0.4%
ST. MARY'S BANK $7,665,000 $4,075,000 -46.8% 0.4%
USAA Federal Savings Bank $4,070,000 $3,960,000 -2.7% 0.4%
AMERISAVE MORTGAGE CORPORATION $11,715,000 $3,930,000 -66.5% 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,570,000 $3,885,000 51.2% 0.4%
BROKER SOLUTIONS, INC. $5,030,000 $3,750,000 -25.4% 0.4%
ACADEMY MORTGAGE CORPORATION $4,590,000 $3,605,000 -21.5% 0.3%
NORTH COUNTRY $5,435,000 $3,605,000 -33.7% 0.3%
FineMark National Bank & Trust $3,585,000 n/a 0.3%
First Republic Bank $8,595,000 $3,520,000 -59.0% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $1,360,000 $3,320,000 144.1% 0.3%
Eastern Bank $4,665,000 $3,225,000 -30.9% 0.3%
NBT Bank $315,000 $3,225,000 923.8% 0.3%
PNC Bank $2,215,000 $3,175,000 43.3% 0.3%
FREEDOM MORTGAGE CORPORATION $8,195,000 $3,065,000 -62.6% 0.3%
Vermont Federal Credit Union $2,425,000 $2,855,000 17.7% 0.3%
EVERETT FINANCIAL, INC. $4,395,000 $2,745,000 -37.5% 0.3%
PENTAGON FEDERAL CREDIT UNION $1,380,000 $2,730,000 97.8% 0.3%
ONE Credit Union $4,605,000 $2,650,000 -42.5% 0.2%
American Mortgage & Equity Consultants, Inc. $1,455,000 $2,630,000 80.8% 0.2%
Waterstone Mortgage Corporation $880,000 $2,590,000 194.3% 0.2%
Advisors Mortgage Group, L.L.C. $3,585,000 $2,525,000 -29.6% 0.2%
Easthampton Savings Bank $2,515,000 n/a 0.2%
First-Citizens Bank & Trust Company $2,145,000 n/a 0.2%
EMBRACE HOME LOANS, INC. $5,130,000 $2,120,000 -58.7% 0.2%
The Federal Savings Bank $480,000 $2,095,000 336.5% 0.2%
Cambridge Trust Company $3,925,000 $2,085,000 -46.9% 0.2%
Fifth Third Bank $205,000 $2,005,000 878.0% 0.2%
The Huntington National Bank $1,240,000 $1,975,000 59.3% 0.2%
Rockland Trust Company $1,180,000 $1,855,000 57.2% 0.2%
WILLIAM RAVEIS MORTGAGE, LLC $1,305,000 $1,845,000 41.4% 0.2%
CIBM Bank $1,835,000 n/a 0.2%
Adams Community Bank $1,755,000 n/a 0.2%
HANSCOM $1,040,000 $1,725,000 65.9% 0.2%
Goldman Sachs Bank USA $4,800,000 $1,715,000 -64.3% 0.2%
GUARANTEED RATE AFFINITY, LLC $2,320,000 $1,705,000 -26.5% 0.2%
SALEM FIVE MORTGAGE COMPANY, LLC $2,465,000 $1,705,000 -30.8% 0.2%
CHURCHILL MORTGAGE CORPORATION $450,000 $1,680,000 273.3% 0.2%
NORWICH COMMERCIAL GROUP, INC. $225,000 $1,665,000 640.0% 0.2%
U.S. Bank $11,925,000 $1,660,000 -86.1% 0.2%
NORTHPOINT MORTGAGE, INC. $1,435,000 $1,645,000 14.6% 0.2%
Carrington Mortgage Services, LLC $1,810,000 $1,610,000 -11.0% 0.2%
TOTAL MORTGAGE SERVICES, LLC $2,075,000 $1,590,000 -23.4% 0.1%
Jeanne D'Arc Credit Union $2,335,000 $1,580,000 -32.3% 0.1%
Home Loan Investment Bank, F.S.B. $325,000 $1,515,000 366.2% 0.1%
DIGITAL Federal Credit Union $3,090,000 $1,495,000 -51.6% 0.1%
Farm Credit East, ACA $760,000 $1,485,000 95.4% 0.1%
Flagstar Bank, FSB $255,000 $1,470,000 476.5% 0.1%
Monson Savings Bank $345,000 $1,445,000 318.8% 0.1%
NBKC BANK $2,515,000 $1,435,000 -42.9% 0.1%
RELIANCE FIRST CAPITAL, LLC $2,615,000 $1,430,000 -45.3% 0.1%
Charles Schwab Bank, SSB $3,585,000 $1,420,000 -60.4% 0.1%
Granite State Credit Union $2,315,000 $1,370,000 -40.8% 0.1%
Enterprise Bank and Trust Company $1,695,000 $1,335,000 -21.2% 0.1%
Discover Bank $1,070,000 $1,330,000 24.3% 0.1%
North Shore Bank, a Co-operative Bank $540,000 $1,170,000 116.7% 0.1%
First Federal Bank $305,000 $1,150,000 277.0% 0.1%
Figure Lending LLC $405,000 $1,135,000 180.2% 0.1%
Bridgewater Savings Bank $1,110,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $490,000 $1,110,000 126.5% 0.1%
LAKEVIEW LOAN SERVICING, LLC $2,445,000 $1,095,000 -55.2% 0.1%
Keystone Funding, Inc. $1,085,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,065,000 n/a 0.1%
Needham Bank $1,050,000 n/a 0.1%
Northpointe Bank $2,315,000 $975,000 -57.9% 0.1%
The Washington Trust Company, of Westerly $770,000 $975,000 26.6% 0.1%
Farmers Bank & Trust $970,000 n/a 0.1%
Merrimack County Savings Bank $5,540,000 $960,000 -82.7% 0.1%
UBS Bank USA $4,090,000 $955,000 -76.7% 0.1%
LEADERONE FINANCIAL CORPORATION $1,545,000 $940,000 -39.2% 0.1%
Stifel Bank and Trust $520,000 $935,000 79.8% 0.1%
ARC HOME LLC $465,000 $920,000 97.8% 0.1%
WASHINGTON TRUST MORTGAGE COMPANY LLC $1,640,000 $910,000 -44.5% 0.1%
NEWREZ LLC $3,605,000 $900,000 -75.0% 0.1%
Barrington Bank & Trust Company, N.A. $1,990,000 $895,000 -55.0% 0.1%
Martha's Vineyard Savings Bank $895,000 n/a 0.1%
MORTGAGE EQUITY PARTNERS LLC $165,000 $895,000 442.4% 0.1%
Workers Credit Union $1,820,000 $895,000 -50.8% 0.1%
Armed Forces Bank $605,000 $890,000 47.1% 0.1%
Ally Bank $940,000 $875,000 -6.9% 0.1%
NEW DAY FINANCIAL, LLC $1,240,000 $875,000 -29.4% 0.1%
Navigant Credit Union $255,000 $805,000 215.7% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $790,000 n/a 0.1%
Montgomery Bank $305,000 $785,000 157.4% 0.1%
BELLWETHER COMMUNITY $3,245,000 $780,000 -76.0% 0.1%
Newburyport Five Cents Savings Bank $770,000 n/a 0.1%
Evolve Bank & Trust $1,355,000 $755,000 -44.3% 0.1%
HOMEXPRESS MORTGAGE CORP. $750,000 n/a 0.1%
First Savings Bank $340,000 $725,000 113.2% 0.1%
Hancock Whitney Bank $725,000 n/a 0.1%
FBC MORTGAGE, LLC $720,000 n/a 0.1%
Bank of England $750,000 $715,000 -4.7% 0.1%
MEMBERS MORTGAGE COMPANY, INC. $710,000 n/a 0.1%
Hometown Equity Mortgage, LLC $685,000 n/a 0.1%
BAYCOAST MORTGAGE COMPANY, LLC $2,080,000 $680,000 -67.3% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $2,385,000 $680,000 -71.5% 0.1%
21ST MORTGAGE CORPORATION $2,015,000 $675,000 -66.5% 0.1%
ENVOY MORTGAGE, LTD $2,535,000 $675,000 -73.4% 0.1%
BETTER MORTGAGE CORPORATION $2,855,000 $670,000 -76.5% 0.1%
StonehamBank, A Co-operative Bank $665,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $495,000 $645,000 30.3% 0.1%
NJ LENDERS CORP. $645,000 n/a 0.1%
HARVARD UNIVERSITY EMPLOYEES $285,000 $630,000 121.1% 0.1%
Salem Co-Operative Bank $1,495,000 $615,000 -58.9% 0.1%
Colonial Savings, F.A. $1,135,000 $610,000 -46.3% 0.1%
KeyBank $6,390,000 $600,000 -90.6% 0.1%
Salem Five Cents Savings Bank $485,000 $595,000 22.7% 0.1%
Century Mortgage Company DBA Century Lending Company $955,000 $590,000 -38.2% 0.1%
Firstrust Savings Bank $145,000 $590,000 306.9% 0.1%
LIMA ONE CAPITAL, LLC $585,000 n/a 0.1%
Quontic Bank $350,000 $580,000 65.7% 0.1%
NEW FED MORTGAGE, CORP. $1,820,000 $560,000 -69.2% 0.1%
City National Bank $5,735,000 $545,000 -90.5% 0.1%
POLARIS HOME FUNDING CORP. $540,000 n/a 0.1%
A&D Mortgage LLC $920,000 $520,000 -43.5% 0.0%
The Camden National Bank $2,805,000 $500,000 -82.2% 0.0%
HOMESTEAD FUNDING CORP. $600,000 $495,000 -17.5% 0.0%
Nations Lending Corporation $770,000 $485,000 -37.0% 0.0%
NexBank $485,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $235,000 $475,000 102.1% 0.0%
AMERICAN HERITAGE LENDING, INC. $465,000 n/a 0.0%
Fall River Five Cents Savings Bank $165,000 $465,000 181.8% 0.0%
Bank-Fund Staff Federal Credit Union $455,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $440,000 $455,000 3.4% 0.0%
Bethpage Federal Credit Union $845,000 $440,000 -47.9% 0.0%
LONGBRIDGE FINANCIAL, LLC $65,000 $440,000 576.9% 0.0%
Lakeland Bank $435,000 n/a 0.0%
NEXERA HOLDING LLC $685,000 $435,000 -36.5% 0.0%
AMERICAN FINANCING CORPORATION $700,000 $420,000 -40.0% 0.0%
FIRST HOME MORTGAGE CORPORATION $325,000 $415,000 27.7% 0.0%
Holy Rosary Regional Credit Union $415,000 n/a 0.0%
Plains Commerce Bank $415,000 n/a 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $405,000 n/a 0.0%
Chelsea Groton Bank $405,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $1,325,000 $405,000 -69.4% 0.0%
SUMMIT FUNDING, INC. $395,000 n/a 0.0%
Prosperity Home Mortgage, LLC $315,000 $385,000 22.2% 0.0%
RBC Bank, (Georgia) $350,000 $385,000 10.0% 0.0%
RADIUS FINANCIAL GROUP INC. $1,385,000 $380,000 -72.6% 0.0%
Coastal Community Bank $355,000 n/a 0.0%
SCIENT Federal Credit Union $355,000 n/a 0.0%
AMERITRUST MORTGAGE CORPORATION $345,000 n/a 0.0%
US MORTGAGE CORPORATION $205,000 $335,000 63.4% 0.0%
BAY EQUITY LLC $365,000 $325,000 -11.0% 0.0%
ENCORE BANK $325,000 n/a 0.0%
First National Bank of America $85,000 $325,000 282.4% 0.0%
MLD MORTGAGE INC. $325,000 n/a 0.0%
SIS BANCORP, MHC $1,290,000 $325,000 -74.8% 0.0%
GENEVA FINANCIAL, LLC $305,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $305,000 n/a 0.0%
Northwest Federal Credit Union $400,000 $305,000 -23.8% 0.0%
DEEPHAVEN MORTGAGE LLC $155,000 $300,000 93.5% 0.0%
NATIONS RELIABLE LENDING, LLC $255,000 $295,000 15.7% 0.0%
The Provident Bank $295,000 n/a 0.0%
Winchester Co-operative Bank $415,000 $295,000 -28.9% 0.0%
USAlliance Federal Credit Union $290,000 n/a 0.0%
BOKF $285,000 n/a 0.0%
BOSTON FIREFIGHTERS $275,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $240,000 $265,000 10.4% 0.0%
Fidelity Co-operative Bank $265,000 n/a 0.0%
HUNT MORTGAGE CORPORATION $265,000 n/a 0.0%
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION $265,000 n/a 0.0%
SPRING EQ, LLC $1,160,000 $260,000 -77.6% 0.0%
AmeriHome Mortgage Company, LLC $255,000 n/a 0.0%
Chemung Canal Trust Company $255,000 n/a 0.0%
Reading Co-Operative Bank $255,000 n/a 0.0%
BankNewport $155,000 $245,000 58.1% 0.0%
EQUITY RESOURCES, INC. $225,000 n/a 0.0%
PHH Mortgage Corporation $1,105,000 $225,000 -79.6% 0.0%
GREENWOOD $35,000 $220,000 528.6% 0.0%
South Shore Bank $385,000 $205,000 -46.8% 0.0%
The Lowell Five Cent Savings Bank $510,000 $205,000 -59.8% 0.0%
Wyndham Capital Mortgage, Inc. $2,030,000 $205,000 -89.9% 0.0%
Abbott Laboratories Employees Credit Union $185,000 n/a 0.0%
Semper Home Loans, Inc. $175,000 n/a 0.0%
Washington Savings Bank $215,000 $175,000 -18.6% 0.0%
CENTRAL ONE FEDERAL CREDIT UNION $980,000 $165,000 -83.2% 0.0%
LENDSURE MORTGAGE CORP. $205,000 $165,000 -19.5% 0.0%
GENISYS $155,000 n/a 0.0%
MEMBER FIRST MORTGAGE, LLC $485,000 $155,000 -68.0% 0.0%
OAKTREE FUNDING CORP. $155,000 n/a 0.0%
Signature Federal Credit Union $155,000 n/a 0.0%
MASSMUTUAL $135,000 n/a 0.0%
PeoplesBank $135,000 n/a 0.0%
TEACHERS $125,000 n/a 0.0%
Southern Mass Credit Union $135,000 $115,000 -14.8% 0.0%
1ST 2ND MORTGAGE COMPANY OF N.J., INC. $105,000 n/a 0.0%
American Airlines Federal Credit Union $105,000 $105,000 0.0% 0.0%
FirstBank $95,000 n/a 0.0%
NEW HAMPSHIRE $150,000 $90,000 -40.0% 0.0%
MERRIMACK VALLEY $325,000 $65,000 -80.0% 0.0%
Deere Employees Credit Union $125,000 $45,000 -64.0% 0.0%

Lebanon's top lender by overall market share is Mascoma Bank, with 14.8% market share. In second place, with 5.4%, is EMM LOANS LLC, having originated $56,915,000 in loans. In third place, with 4.5%, is QUICKEN LOANS, LLC, having originated $48,060,000 in loans. In fourth place, with 3.9%, is Union Bank, having originated $41,730,000 in loans. In fifth place, with 3.8%, is Citizens Bank, having originated $39,805,000 in loans.

Lebanon, NH-VT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,102 $724,840,000 $344,833
Home Improvement 617 $66,515,000 $107,804
Cash Out Refi 497 $99,965,000 $201,137
Other 399 $68,105,000 $170,689
Refi 305 $101,355,000 $332,311

Lebanon's most frequently cited loan purpose was Home Purchase, with 2,102 originations. The 2nd most popular reason was Home Improvement, with 617 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,516 $444,680,000 $293,325
7-8% 1,066 $260,790,000 $244,644
5-6% 562 $198,630,000 $353,434
Over 8% 433 $71,435,000 $164,977
3-4% 135 $18,915,000 $140,111
4-5% 57 $30,445,000 $534,123
2.5-3% 46 $4,820,000 $104,783
<2.5% 27 $1,385,000 $51,296

During 2023, Lebanon's most frequently originated rate bucket was 6-7%, with 1,516 originations.

Loan Sizing (Lebanon, NH-VT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,440 $409,480,000 $284,361
$100k-200k 982 $143,670,000 $146,303
$100,000 or less 899 $47,875,000 $53,254
$400k-600k 371 $175,995,000 $474,380
$600k-1000k 155 $116,275,000 $750,161
$Over $1MM 73 $167,485,000 $2,294,315

Lebanon's loan sizing saw the bucket of loans from $200k-400k with 1,440 originations, totaling $409,480,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,110 $384,860,000 $346,721
60-80% 959 $378,855,000 $395,052
Under 20% 654 $46,050,000 $70,413
20-40% 638 $91,780,000 $143,856
40-60% 451 $117,895,000 $261,408
Over 100% 29 $9,895,000 $341,207

Lebanon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,110 originations, totaling $384,860,000 in origination value.