Lebanon Mortgage Rates

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

30 Year Fixed Rate mortgages in Lebanon averaged 5.84% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.85% and one month ago for the week of 2022-05-26, the average rate was 5.44%.

Lebanon's average rate one year ago was 3.13%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.81%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Lebanon 30 Year Fixed Rate 2022-06-30 5.84%
Lebanon 30 Year Fixed Rate Refi 2022-06-30 5.81%
Lebanon 15 Year Fixed Rate 2022-06-30 5.21%
Lebanon 15 Year Fixed Rate Refi 2022-06-30 4.79%
Lebanon 30 Year FHA 2022-06-30 5.79%
Lebanon 30 Year FHA Refi 2022-06-30 5.79%
Lebanon 30 Year USDA 2022-06-30 5.85%
Lebanon 30 Year USDA Refi 2022-06-30 5.79%
Lebanon 30 Year VA 2022-06-30 5.79%
Lebanon 30 Year VA Refi 2022-06-30 5.18%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Mascoma Bank 585 3.17% $4,237
QUICKEN LOANS, LLC 386 3.08% $4,808
EMM LOANS LLC 284 3.03% $3,733
Bar Harbor Bank & Trust 192 3.17% $3,233
UNITED WHOLESALE MORTGAGE, LLC 176 3.00% $3,933
Meredith Village Savings Bank 110 3.52% $2,632
HARBORONE MORTGAGE, LLC 98 3.17% $3,331
CMG MORTGAGE, INC. 75 3.08% $3,569
Bank of New Hampshire 72 3.25% $2,915
Citizens Bank 70 3.04% $4,144
LOANDEPOT.COM, LLC 69 3.01% $4,622
Union Bank 67 3.20% $3,508
RESIDENTIAL MORTGAGE SERVICES, INC. 66 3.15% $3,686
Bank of America 62 2.83% $4,184
VERMONT STATE EMPLOYEES 61 2.91% $4,146
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 61 3.24% $4,046
AMERISAVE MORTGAGE CORPORATION 60 2.85% $4,539
PRIMELENDING, A PLAINSCAPITAL COMPANY 57 3.25% $4,204
GUARANTEED RATE, INC. 56 3.03% $3,964
Service Federal Credit Union 53 3.05% $3,283
JPMorgan Chase Bank 53 2.90% $3,771
Wells Fargo Bank 51 3.14% $3,721
Northfield Savings Bank 51 3.10% $3,152
NORTHEAST HOME LOAN, LLC 49 3.02% $4,103
Northway Bank 44 3.18% $3,181
TD Bank 39 3.04% $3,971
NEWREZ LLC 35 3.20% $3,238
Leader Bank 33 2.89% $3,941
People's United Bank 31 3.10% $3,559
CROSSCOUNTRY MORTGAGE, LLC 27 3.22% $4,260
NORTHEAST CREDIT UNION 26 3.25% $3,488
PENNYMAC LOAN SERVICES, LLC 24 3.10% $5,295
MOVEMENT MORTGAGE, LLC 23 3.11% $3,689
EMBRACE HOME LOANS, INC. 23 3.30% $3,602
BROKER SOLUTIONS, INC. 21 3.10% $4,207
PRIMARY RESIDENTIAL MORTGAGE, INC. 21 3.44% $5,655
ACADEMY MORTGAGE CORPORATION 21 3.21% $4,149
ST. MARY'S BANK 20 3.00% $3,330
NEW ENGLAND FEDERAL CREDIT UNION 20 2.88% $3,324
DRAPER AND KRAMER MORTGAGE CORP. 18 2.94% $3,967
Mortgage Network, Inc. 18 3.03% $3,761
NAVY FEDERAL CREDIT UNION 18 3.23% $3,499
ONE Credit Union 18 3.58% $4,620
NORTH COUNTRY 16 3.51% $3,738
Mr. Cooper ( Nationstar Mortgage ) 16 3.27% $4,226
BETTER MORTGAGE CORPORATION 16 2.91% $3,867
SALEM FIVE MORTGAGE COMPANY, LLC 15 3.22% $3,648
First Republic Bank 15 2.90% $5,265
LEADERONE FINANCIAL CORPORATION 14 3.14% $3,594
Citibank 13 2.74% $5,473
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 13 3.16% $4,561
UBS Bank USA 13 2.77% $5,940
DIGITAL Federal Credit Union 13 3.00% $5,469
HOMEBRIDGE FINANCIAL SERVICES, INC. 13 3.16% $5,700
U.S. Bank 13 3.03% $3,621
Morgan Stanley Private Bank 12 2.79% $4,978
Bangor Savings Bank 12 3.00% $3,424
Community Bank 12 3.29% $1,731
MUTUAL OF OMAHA MORTGAGE, INC. 10 3.41% $4,154
KeyBank 10 2.70% $4,014
HOME POINT FINANCIAL CORPORATION 9 3.14% $3,375
GUARANTEED RATE AFFINITY, LLC 9 3.18% $3,423
Flagstar Bank, FSB 9 3.32% $4,915
TOTAL MORTGAGE SERVICES, LLC 8 3.34% $4,791
ENVOY MORTGAGE, LTD 8 3.61% $3,619
NEW FED MORTGAGE, CORP. 8 2.91% $2,976
Community National Bank 8 3.61% $3,214
SOFI LENDING CORP. 8 2.91% $3,970
Northpointe Bank 8 2.99% $4,042
NORTHPOINT MORTGAGE, INC. 8 3.06% $3,514
WILLIAM RAVEIS MORTGAGE, LLC 8 3.31% $4,964
RELIANCE FIRST CAPITAL, LLC 7 2.95% $6,722
Envision Bank 7 3.39% $2,710
Advisors Mortgage Group, L.L.C. 7 3.18% $4,004
BELLWETHER COMMUNITY 7 3.07% $5,136
Granite State Credit Union 7 3.09% $6,438
GUILD MORTGAGE COMPANY 7 3.41% $4,278
FREEDOM MORTGAGE CORPORATION 7 2.87% $2,624
BAYCOAST MORTGAGE COMPANY, LLC 6 2.96% $3,802
RADIUS FINANCIAL GROUP INC. 6 3.06% $2,826
Webster Bank 6 3.00% $5,116
Charles Schwab Bank, SSB 6 2.29% $3,445
Cambridge Trust Company 6 2.85% $4,429
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 6 3.21% $4,088
Stifel Bank and Trust 6 2.69% $3,594
MSA MORTGAGE, LLC 5 3.30% $3,814
Bank of England 5 4.15% $4,882
Wyndham Capital Mortgage, Inc. 5 3.00% $3,160
PNC Bank 5 3.28% $4,453
Eastern Bank 5 3.03% $4,360
ZILLOW HOME LOANS, LLC 4 3.41% $4,470
ARC HOME LLC 4 3.30% $5,038
BNY Mellon 4 2.59% $4,523
City National Bank 4 2.32% $5,305
EVERETT FINANCIAL, INC. 4 3.88% $2,317
First Federal Bank 4 2.97% $5,653
Home Loan Investment Bank, F.S.B. 4 3.28% $4,135
HOMESTEAD FUNDING CORP. 4 2.91% $4,071
LAKEVIEW LOAN SERVICING, LLC 4 3.47% $1,922
LENDERFI, INC. 4 3.19% $1,520
Main Street Bank 4 3.31% $5,598
Merrimack County Savings Bank 4 3.12% $4,255
Mortgage Research Center, LLC 4 3.03% $4,506
The Federal Savings Bank 4 3.03% $5,727
TIAA, FSB 4 3.12% $4,593
Vermont Federal Credit Union 4 3.13% $2,798
USAA Federal Savings Bank 3 3.21% $2,967
Quontic Bank 3 5.79% $9,272
Colonial Savings, F.A. 3 3.50% $8,565
Paramount Residential Mortgage Group, Inc. 3 3.54% $4,069
EQUITY RESOURCES, INC. 3 3.04% $3,402
Northern Bank & Trust Company 3 3.38% $2,863
North American Savings Bank, F.S.B. 3 3.04% $2,796
NBKC BANK 3 3.08% $3,128
First Guaranty Mortgage Corporation 3 3.08% $2,471
Jeanne D'Arc Credit Union 3 2.88% $2,992
FINANCE OF AMERICA MORTGAGE LLC 3 3.46% $5,107
SPRING EQ, LLC 3 3.00% $955
Shamrock Home Loans, Inc. 3 3.00% $3,616
Santander Bank, N.A. 3 3.00% $2,826
AMERICAN INTERNET MORTGAGE, INC. 3 2.63% $3,321
HOMESIDE FINANCIAL, LLC 3 3.00% $3,810
The Camden National Bank 3 2.88% $4,248
CALIBER HOME LOANS, INC. 3 2.94% $5,867
SUN WEST MORTGAGE COMPANY, INC. 2 2.94% $1,806
KS StateBank 2 2.75% $2,130
WASHINGTON TRUST MORTGAGE COMPANY LLC 2 3.19% $5,144
First Savings Bank 2 2.94% $5,587
Firstrust Savings Bank 2 2.88% $3,129
LENDUS, LLC 2 3.12% $3,299
ALLIED MORTGAGE GROUP, INC. 2 3.00% $5,360
Manufacturers and Traders Trust Company 2 3.44% $6,714
First Internet Bank of Indiana 2 2.88% $4,017
FIRST HOME MORTGAGE CORPORATION 2 3.19% $4,540
Westfield Bank 2 3.00% $5,360
FINEX CREDIT UNION 2 3.00% $6,295
Fifth Third Bank 2 2.62% $5,516
NEW HAMPSHIRE 2 3.38% $2,736
NFM, INC. 2 3.44% $5,987
Evolve Bank & Trust 2 3.38% $3,689
North Shore Bank, a Co-operative Bank 2 3.19% $3,115
Patriot Community Bank 2 2.75% $0
PHH Mortgage Corporation 2 3.50% $5,339
CHURCHILL MORTGAGE CORPORATION 2 3.25% $3,627
Chicago Mortgage Solutions LLC 2 2.43% $1,034
Cf Bank 2 2.75% $1,226
Raymond James Bank 2 3.06% $6,352
Republic State Mortgage Co. 2 2.94% $3,902
Brookline Bank 2 2.94% $3,910
Rockland Trust Company 2 3.19% $3,296
RUOFF MORTGAGE COMPANY, INC. 2 3.00% $2,876
BNC National Bank 2 2.81% $2,580
SOVEREIGN LENDING GROUP INCORPORATED 2 2.93% $4,056
STEARNS LENDING, LLC 2 3.00% $2,874
Axos Bank 2 2.94% $1,076
Admirals Bank 2 2.75% $5,314
Truist Bank 2 3.24% $1,887
Arvest Bank 2 3.44% $5,116
AMERICAN FINANCING CORPORATION 2 2.93% $6,546
AMERICAN FINANCIAL NETWORK, INC. 2 4.13% $9,112
HANSCOM 2 3.25% $2,110
Ixonia Bank 2 2.81% $2,992
OPEN MORTGAGE, LLC 1 2.88% $1,981
METRO 1 2.88% $3,553
21ST MORTGAGE CORPORATION 1 6.80% $5,222
CONTOUR MORTGAGE CORPORATION 1 3.25% $3,656
MERRIMACK VALLEY 1 2.63% $1,903
Goldwater Bank, N.A. 1 2.63% $3,642
UMB Bank 1 2.57% $4,373
Presidential Bank, FSB 1 3.13% $4,461
UniBank for Savings 1 2.75% $2,606
Prime Choice Funding Inc. 1 2.75% $5,901
FIRST TECHNOLOGY 1 3.00% $6,779
Prosperity Home Mortgage, LLC 1 3.75% $5,319
CANOPY MORTGAGE, LLC 1 2.63% $6,488
ALLIANT CREDIT UNION 1 2.88% $6,682
Cambridge Savings Bank 1 3.00% $2,130
United Nations Federal Credit Union 1 3.00% $6,376
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 3.00% $4,450
MEMBERS MORTGAGE COMPANY, INC. 1 3.00% $2,204
Goldman Sachs Bank USA 1 2.50% $7,024
RESIDENTIAL BANCORP. 1 3.13% $8,169
Univest Bank and Trust Co. 1 3.13% $2,742
KELLER MORTGAGE, LLC 1 3.50% $1,832
Ally Bank 1 2.88% $5,789
US MORTGAGE CORPORATION 1 3.38% $5,033
Magnolia Bank 1 3.63% $4,246
Berkshire Bank 1 3.75% $2,866
Luxury Mortgage Corp. 1 2.75% $3,975
Silicon Valley Bank 1 3.38% $3,107
Baxter Credit Union 1 2.25% $1,793
South State Bank 1 3.38% $9,811
INLAND BANK & TRUST 1 3.38% $3,418
LOGIX FEDERAL CREDIT UNION 1 2.75% $3,437
HARVARD UNIVERSITY EMPLOYEES 1 2.63% $2,411
HOLYOKE 1 3.25% $2,728
Avidia Bank 1 3.63% $2,978
Strong Home Mortgage, LLC 1 2.88% $2,439
First National Bank of America 1 7.25% $12,785
Atlantic Home Lending, Inc. 1 2.50% $3,486
The Bank of Canton 1 3.13% $3,274
Waterstone Mortgage Corporation 1 3.63% $4,365
First Federal Bank of Kansas City 1 3.13% $4,092
FirstBank 1 2.88% $1,280
First Bank 1 3.13% $4,089
AFFINITY 1 2.75% $2,753
Nations Lending Corporation 1 2.88% $4,960
Navigant Credit Union 1 3.13% $2,686
MountainOne Bank 1 3.25% $3,784
MORTGAGE EQUITY PARTNERS LLC 1 3.13% $4,244
NBT Bank 1 2.88% $4,060
The Huntington National Bank 1 2.88% $5,240
Fidelity Bank 1 3.50% $3,276
The Washington Trust Company, of Westerly 1 2.88% $3,185
FBC MORTGAGE, LLC 1 2.88% $6,814
Third Federal Savings and Loan Association of Cleveland 1 2.44% $3,958
First Home Bank 1 2.87% $6,679
Farm Credit East, ACA 1 3.60% $13,395
Fall River Five Cents Savings Bank 1 2.88% $3,134
GUARANTY HOME MORTGAGE CORPORATION 1 2.88% $3,721
MMS MORTGAGE SERVICES, LTD. 1 3.38% $2,620
MID-ISLAND MORTGAGE CORP. 1 3.38% $2,056
Equity Prime Mortgage LLC 1 3.63% $0
Discover Bank 1 6.99% $0
Assurance Financial Group, L.L.C. 1 3.37% $2,656
Deere Employees Credit Union 1 2.88% $3,164
NORWICH COMMERCIAL GROUP, INC. 1 3.50% $4,171
OCMBC, INC. 1 5.88% $5,274
CUSO MORTGAGE CORPORATION 1 3.00% $2,221

Lebanon, NH-VT's 229 lenders originated 8,304 loans during 2021. The total origination value was $2,126,100,000, with an average loan value of $256,033.

The top Lebanon lender as defined by loan originations is Mascoma Bank, with 585 loans originated. Their average total fees are $4,237, which is $571 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Lebanon lenders (with over 10 loans originated) are Community Bank ($1,731), Meredith Village Savings Bank ($2,632), Bank of New Hampshire ($2,915), Northfield Savings Bank ($3,152) and Northway Bank ($3,181).

The lowest rate Lebanon lenders (with over 10 loans originated) are KeyBank (2.70%), Citibank (2.74%), UBS Bank USA (2.77%), Morgan Stanley Private Bank (2.79%) and Bank of America (2.83%).

Lebanon, NH-VT Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Mascoma Bank $274,370,000 $283,225,000 3.2% 13.3%
QUICKEN LOANS, LLC $136,745,000 $167,470,000 22.5% 7.9%
EMM LOANS LLC $75,550,000 $117,965,000 56.1% 5.5%
Bar Harbor Bank & Trust $102,160,000 $102,470,000 0.3% 4.8%
UNITED WHOLESALE MORTGAGE, LLC $27,035,000 $70,495,000 160.8% 3.3%
Citizens Bank $47,600,000 $62,655,000 31.6% 2.9%
CBRE MULTIFAMILY CAPITAL, INC. $50,215,000 n/a 2.4%
Meredith Village Savings Bank $41,200,000 $46,390,000 12.6% 2.2%
HARBORONE MORTGAGE, LLC $48,160,000 $39,305,000 -18.4% 1.8%
Bank of America $34,740,000 $38,365,000 10.4% 1.8%
Service Federal Credit Union $25,570,000 $37,840,000 48.0% 1.8%
LOANDEPOT.COM, LLC $17,870,000 $36,405,000 103.7% 1.7%
JPMorgan Chase Bank $21,765,000 $33,090,000 52.0% 1.6%
Wells Fargo Bank $24,460,000 $31,965,000 30.7% 1.5%
Union Bank $21,630,000 $31,125,000 43.9% 1.5%
CMG MORTGAGE, INC. $25,405,000 $29,990,000 18.0% 1.4%
AMERISAVE MORTGAGE CORPORATION $8,505,000 $28,915,000 240.0% 1.4%
RESIDENTIAL MORTGAGE SERVICES, INC. $39,835,000 $28,790,000 -27.7% 1.4%
FREEDOM MORTGAGE CORPORATION $25,645,000 $26,700,000 4.1% 1.3%
WALKER & DUNLOP, LLC $24,995,000 n/a 1.2%
VERMONT STATE EMPLOYEES $19,360,000 $24,240,000 25.2% 1.1%
Bank of New Hampshire $25,465,000 $22,440,000 -11.9% 1.1%
GUARANTEED RATE, INC. $17,105,000 $22,165,000 29.6% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $18,660,000 $21,285,000 14.1% 1.0%
Mortgage Research Center, LLC $18,620,000 $21,090,000 13.3% 1.0%
Northfield Savings Bank $15,370,000 $20,470,000 33.2% 1.0%
PENNYMAC LOAN SERVICES, LLC $5,420,000 $20,340,000 275.3% 1.0%
TD Bank $21,395,000 $20,335,000 -5.0% 1.0%
Northway Bank $16,435,000 $17,740,000 7.9% 0.8%
PRIMELENDING, A PLAINSCAPITAL COMPANY $15,810,000 $17,575,000 11.2% 0.8%
People's United Bank $15,400,000 $16,910,000 9.8% 0.8%
Franklin Savings Bank $12,645,000 $16,625,000 31.5% 0.8%
Leader Bank $17,800,000 $16,295,000 -8.5% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $12,000,000 $16,205,000 35.0% 0.8%
UBS Bank USA $3,070,000 $14,995,000 388.4% 0.7%
NEWREZ LLC $7,425,000 $14,905,000 100.7% 0.7%
First Republic Bank $9,970,000 $14,390,000 44.3% 0.7%
NAVY FEDERAL CREDIT UNION $10,995,000 $14,120,000 28.4% 0.7%
NORTHEAST HOME LOAN, LLC $15,590,000 $13,390,000 -14.1% 0.6%
NORTHEAST CREDIT UNION $13,780,000 $11,945,000 -13.3% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $11,210,000 $11,790,000 5.2% 0.6%
Citibank $13,530,000 $11,765,000 -13.0% 0.6%
Morgan Stanley Private Bank $9,690,000 $11,500,000 18.7% 0.5%
MOVEMENT MORTGAGE, LLC $6,735,000 $9,410,000 39.7% 0.4%
USAA Federal Savings Bank $13,510,000 $9,200,000 -31.9% 0.4%
EMBRACE HOME LOANS, INC. $5,390,000 $9,110,000 69.0% 0.4%
ST. MARY'S BANK $5,005,000 $9,060,000 81.0% 0.4%
U.S. Bank $8,945,000 $8,985,000 0.4% 0.4%
BROKER SOLUTIONS, INC. $7,420,000 $8,745,000 17.9% 0.4%
NEW ENGLAND FEDERAL CREDIT UNION $8,335,000 $8,290,000 -0.5% 0.4%
Cambridge Trust Company $585,000 $8,205,000 1,302.6% 0.4%
Mortgage Network, Inc. $6,055,000 $8,165,000 34.8% 0.4%
Bangor Savings Bank $2,775,000 $7,040,000 153.7% 0.3%
KeyBank $3,190,000 $7,035,000 120.5% 0.3%
ONE Credit Union $5,590,000 $6,855,000 22.6% 0.3%
ACADEMY MORTGAGE CORPORATION $5,590,000 $6,835,000 22.3% 0.3%
DIGITAL Federal Credit Union $5,205,000 $6,790,000 30.5% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $9,260,000 $6,765,000 -26.9% 0.3%
LAKEVIEW LOAN SERVICING, LLC $2,805,000 $6,270,000 123.5% 0.3%
DRAPER AND KRAMER MORTGAGE CORP. $3,020,000 $6,205,000 105.5% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $7,375,000 $5,955,000 -19.3% 0.3%
Merrimack County Savings Bank $3,910,000 $5,895,000 50.8% 0.3%
Charles Schwab Bank, SSB $1,695,000 $5,845,000 244.8% 0.3%
NORTH COUNTRY $5,965,000 $5,740,000 -3.8% 0.3%
BETTER MORTGAGE CORPORATION $5,720,000 n/a 0.3%
LEADERONE FINANCIAL CORPORATION $5,465,000 $4,990,000 -8.7% 0.2%
Eastern Bank $3,330,000 $4,955,000 48.8% 0.2%
HOME POINT FINANCIAL CORPORATION $2,575,000 $4,780,000 85.6% 0.2%
SALEM FIVE MORTGAGE COMPANY, LLC $3,555,000 $4,660,000 31.1% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,975,000 $4,500,000 127.8% 0.2%
Community Bank $3,445,000 $4,360,000 26.6% 0.2%
Stifel Bank and Trust $1,065,000 $4,320,000 305.6% 0.2%
Flagstar Bank, FSB $3,820,000 $4,065,000 6.4% 0.2%
Colonial Savings, F.A. $2,425,000 $3,795,000 56.5% 0.2%
GUARANTEED RATE AFFINITY, LLC $1,330,000 $3,555,000 167.3% 0.2%
Wyndham Capital Mortgage, Inc. $1,385,000 $3,550,000 156.3% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $2,715,000 $3,530,000 30.0% 0.2%
SOFI LENDING CORP. $685,000 $3,485,000 408.8% 0.2%
BNY Mellon $1,850,000 $3,460,000 87.0% 0.2%
PNC Bank $1,890,000 $3,460,000 83.1% 0.2%
CALIBER HOME LOANS, INC. $1,870,000 $3,445,000 84.2% 0.2%
Webster Bank $1,280,000 $3,445,000 169.1% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,210,000 $3,280,000 171.1% 0.2%
Granite State Credit Union $1,685,000 $3,265,000 93.8% 0.2%
NEW DAY FINANCIAL, LLC $2,755,000 $3,250,000 18.0% 0.2%
ENVOY MORTGAGE, LTD $2,830,000 $3,195,000 12.9% 0.2%
Advisors Mortgage Group, L.L.C. $2,405,000 $3,185,000 32.4% 0.1%
City National Bank $1,315,000 $3,140,000 138.8% 0.1%
The Federal Savings Bank $2,110,000 $3,100,000 46.9% 0.1%
Barrington Bank & Trust Company, N.A. $2,635,000 $2,915,000 10.6% 0.1%
Manufacturers and Traders Trust Company $1,500,000 $2,910,000 94.0% 0.1%
WILLIAM RAVEIS MORTGAGE, LLC $4,330,000 $2,895,000 -33.1% 0.1%
Main Street Bank $255,000 $2,875,000 1,027.5% 0.1%
Carrington Mortgage Services, LLC $2,345,000 $2,865,000 22.2% 0.1%
The National Bank of Middlebury $325,000 $2,850,000 776.9% 0.1%
Envision Bank $2,890,000 $2,780,000 -3.8% 0.1%
Northpointe Bank $1,975,000 $2,760,000 39.7% 0.1%
TOTAL MORTGAGE SERVICES, LLC $2,825,000 $2,625,000 -7.1% 0.1%
BAYCOAST MORTGAGE COMPANY, LLC $2,090,000 $2,610,000 24.9% 0.1%
NEW FED MORTGAGE, CORP. $3,230,000 $2,545,000 -21.2% 0.1%
MEMBERS ADVANTAGE COMMUNITY CREDIT UNION $3,200,000 $2,540,000 -20.6% 0.1%
Raymond James Bank $2,430,000 n/a 0.1%
GUILD MORTGAGE COMPANY $195,000 $2,415,000 1,138.5% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $1,345,000 $2,365,000 75.8% 0.1%
Vermont Federal Credit Union $1,675,000 $2,350,000 40.3% 0.1%
HANSCOM $2,025,000 $2,345,000 15.8% 0.1%
NBKC BANK $1,920,000 $2,320,000 20.8% 0.1%
Bank of England $1,080,000 $2,290,000 112.0% 0.1%
Union Savings Bank $2,275,000 n/a 0.1%
NORTHPOINT MORTGAGE, INC. $2,070,000 $2,235,000 8.0% 0.1%
NBT Bank $3,545,000 $2,205,000 -37.8% 0.1%
KS StateBank $1,085,000 $2,185,000 101.4% 0.1%
AMERICAN FINANCING CORPORATION $165,000 $2,170,000 1,215.2% 0.1%
Community National Bank $2,160,000 n/a 0.1%
TIAA, FSB $3,740,000 $2,160,000 -42.2% 0.1%
BELLWETHER COMMUNITY $1,080,000 $2,130,000 97.2% 0.1%
Westfield Bank $440,000 $2,120,000 381.8% 0.1%
ZILLOW HOME LOANS, LLC $400,000 $2,120,000 430.0% 0.1%
Admirals Bank $2,050,000 n/a 0.1%
Cf Bank $760,000 $2,045,000 169.1% 0.1%
Brookline Bank $5,225,000 $2,030,000 -61.1% 0.1%
HOMESIDE FINANCIAL, LLC $2,025,000 n/a 0.1%
MEMBER FIRST MORTGAGE, LLC $700,000 $1,950,000 178.6% 0.1%
EVERETT FINANCIAL, INC. $3,645,000 $1,925,000 -47.2% 0.1%
Goldman Sachs Bank USA $4,735,000 $1,875,000 -60.4% 0.1%
RELIANCE FIRST CAPITAL, LLC $1,830,000 $1,780,000 -2.7% 0.1%
ARC HOME LLC $645,000 $1,770,000 174.4% 0.1%
PENTAGON FEDERAL CREDIT UNION $2,520,000 $1,750,000 -30.6% 0.1%
Paramount Residential Mortgage Group, Inc. $2,400,000 $1,735,000 -27.7% 0.1%
First Guaranty Mortgage Corporation $1,700,000 n/a 0.1%
BNC National Bank $1,930,000 $1,670,000 -13.5% 0.1%
RADIUS FINANCIAL GROUP INC. $2,660,000 $1,660,000 -37.6% 0.1%
South State Bank $325,000 $1,645,000 406.2% 0.1%
Berkshire Bank $1,775,000 $1,610,000 -9.3% 0.1%
First Federal Bank $1,130,000 $1,605,000 42.0% 0.1%
21ST MORTGAGE CORPORATION $945,000 $1,600,000 69.3% 0.1%
MSA MORTGAGE, LLC $740,000 $1,515,000 104.7% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $605,000 $1,455,000 140.5% 0.1%
North American Savings Bank, F.S.B. $610,000 $1,425,000 133.6% 0.1%
Home Loan Investment Bank, F.S.B. $400,000 $1,410,000 252.5% 0.1%
Enterprise Bank and Trust Company $735,000 $1,405,000 91.2% 0.1%
HOMESTEAD FUNDING CORP. $775,000 $1,380,000 78.1% 0.1%
EQUITY RESOURCES, INC. $1,345,000 n/a 0.1%
Fifth Third Bank $1,270,000 n/a 0.1%
ALIGN CREDIT UNION $800,000 $1,205,000 50.6% 0.1%
Jeanne D'Arc Credit Union $915,000 $1,165,000 27.3% 0.1%
The Camden National Bank $1,795,000 $1,125,000 -37.3% 0.1%
PHH Mortgage Corporation $600,000 $1,090,000 81.7% 0.1%
Farm Credit East, ACA $1,075,000 n/a 0.1%
Santander Bank, N.A. $2,780,000 $1,070,000 -61.5% 0.1%
CHURCHILL MORTGAGE CORPORATION $585,000 $1,060,000 81.2% 0.0%
Third Federal Savings and Loan Association of Cleveland $165,000 $1,055,000 539.4% 0.0%
UMB Bank $1,045,000 n/a 0.0%
NEW HAMPSHIRE $3,060,000 $1,030,000 -66.3% 0.0%
Rockland Trust Company $860,000 $1,030,000 19.8% 0.0%
Northern Bank & Trust Company $1,325,000 $1,025,000 -22.6% 0.0%
The Bank of Canton $560,000 $1,020,000 82.1% 0.0%
The Northern Trust Company $585,000 $1,005,000 71.8% 0.0%
Shamrock Home Loans, Inc. $915,000 $980,000 7.1% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $1,035,000 $970,000 -6.3% 0.0%
Evolve Bank & Trust $795,000 $960,000 20.8% 0.0%
PeoplesBank $275,000 $935,000 240.0% 0.0%
LENDERFI, INC. $285,000 $930,000 226.3% 0.0%
NORWICH COMMERCIAL GROUP, INC. $990,000 $915,000 -7.6% 0.0%
Chicago Mortgage Solutions LLC $905,000 n/a 0.0%
LENDUS, LLC $165,000 $905,000 448.5% 0.0%
Low VA Rates, LLC $290,000 $870,000 200.0% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $1,000,000 $865,000 -13.5% 0.0%
Atlantic Home Lending, Inc. $830,000 n/a 0.0%
Quontic Bank $285,000 $815,000 186.0% 0.0%
FIRST TECHNOLOGY $810,000 n/a 0.0%
SPRING EQ, LLC $155,000 $800,000 416.1% 0.0%
ALLIANT CREDIT UNION $735,000 $795,000 8.2% 0.0%
Presidential Bank, FSB $215,000 $780,000 262.8% 0.0%
Prime Choice Funding Inc. $155,000 $770,000 396.8% 0.0%
RUOFF MORTGAGE COMPANY, INC. $215,000 $770,000 258.1% 0.0%
Firstrust Savings Bank $185,000 $760,000 310.8% 0.0%
WASHINGTON TRUST MORTGAGE COMPANY LLC $1,830,000 $760,000 -58.5% 0.0%
Arvest Bank $965,000 $750,000 -22.3% 0.0%
United Nations Federal Credit Union $715,000 n/a 0.0%
INLAND BANK & TRUST $695,000 n/a 0.0%
CENTRAL ONE FEDERAL CREDIT UNION $745,000 $685,000 -8.1% 0.0%
Navigant Credit Union $1,775,000 $680,000 -61.7% 0.0%
Poli Mortgage Group, Inc. $2,575,000 $650,000 -74.8% 0.0%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $645,000 n/a 0.0%
Axos Bank $640,000 n/a 0.0%
First Savings Bank $155,000 $640,000 312.9% 0.0%
MORTGAGE EQUITY PARTNERS LLC $2,080,000 $640,000 -69.2% 0.0%
PLAZA HOME MORTGAGE, INC. $855,000 $635,000 -25.7% 0.0%
Patriot Community Bank $1,155,000 $630,000 -45.5% 0.0%
First Internet Bank of Indiana $610,000 $615,000 0.8% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $690,000 $605,000 -12.3% 0.0%
BAY EQUITY LLC $585,000 $605,000 3.4% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $595,000 n/a 0.0%
First Seacoast Bank $675,000 $585,000 -13.3% 0.0%
LONGBRIDGE FINANCIAL, LLC $295,000 $585,000 98.3% 0.0%
First Federal Bank of Kansas City $205,000 $580,000 182.9% 0.0%
METRO $940,000 $575,000 -38.8% 0.0%
Discover Bank $485,000 $565,000 16.5% 0.0%
FINEX CREDIT UNION $175,000 $565,000 222.9% 0.0%
North Shore Bank, a Co-operative Bank $560,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $375,000 $550,000 46.7% 0.0%
Bethpage Federal Credit Union $480,000 $550,000 14.6% 0.0%
Fall River Five Cents Savings Bank $660,000 $550,000 -16.7% 0.0%
Republic State Mortgage Co. $325,000 $550,000 69.2% 0.0%
Winter Hill Bank, FSB $550,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $205,000 $545,000 165.9% 0.0%
Workers Credit Union $125,000 $540,000 332.0% 0.0%
Cambridge Savings Bank $305,000 $530,000 73.8% 0.0%
FIRST HOME MORTGAGE CORPORATION $530,000 n/a 0.0%
Nations Lending Corporation $620,000 $480,000 -22.6% 0.0%
Waterstone Mortgage Corporation $820,000 $475,000 -42.1% 0.0%
STEARNS LENDING, LLC $1,025,000 $470,000 -54.1% 0.0%
Everett Co-operative Bank $455,000 n/a 0.0%
OCMBC, INC. $450,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $440,000 n/a 0.0%
NFM, INC. $365,000 $440,000 20.5% 0.0%
HARVARD UNIVERSITY EMPLOYEES $430,000 n/a 0.0%
Luxury Mortgage Corp. $870,000 $430,000 -50.6% 0.0%
FBC MORTGAGE, LLC $1,285,000 $425,000 -66.9% 0.0%
The Huntington National Bank $810,000 $420,000 -48.1% 0.0%
Figure Lending LLC $120,000 $415,000 245.8% 0.0%
First National Bank of America $415,000 n/a 0.0%
Northmark Bank $405,000 n/a 0.0%
The Union Bank Company $245,000 $405,000 65.3% 0.0%
Triumph Bank $335,000 $405,000 20.9% 0.0%
Visio Financial Services Inc. $405,000 n/a 0.0%
Magnolia Bank $1,180,000 $400,000 -66.1% 0.0%
OCEANSIDE MORTGAGE COMPANY $185,000 $400,000 116.2% 0.0%
Strong Home Mortgage, LLC $550,000 $395,000 -28.2% 0.0%
Lakeside Bank $385,000 n/a 0.0%
ROCKLAND $385,000 n/a 0.0%
First Home Bank $380,000 $380,000 0.0% 0.0%
ALLIED MORTGAGE GROUP, INC. $750,000 $370,000 -50.7% 0.0%
DREW MORTGAGE ASSOCIATES, INC. $105,000 $370,000 252.4% 0.0%
First National Bank Texas $445,000 $365,000 -18.0% 0.0%
MountainOne Bank $355,000 $365,000 2.8% 0.0%
BOSTON FIREFIGHTERS $355,000 n/a 0.0%
Ixonia Bank $720,000 $350,000 -51.4% 0.0%
VILLAGE CAPITAL & INVESTMENT LLC $350,000 n/a 0.0%
Fidelity Bank $340,000 n/a 0.0%
Farmers Bank & Trust $335,000 n/a 0.0%
TRADEMARK $45,000 $330,000 633.3% 0.0%
CANOPY MORTGAGE, LLC $325,000 n/a 0.0%
Easthampton Savings Bank $95,000 $325,000 242.1% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $325,000 n/a 0.0%
The Washington Trust Company, of Westerly $420,000 $320,000 -23.8% 0.0%
Deere Employees Credit Union $315,000 n/a 0.0%
Kennebunk Savings Bank $315,000 n/a 0.0%
Silicon Valley Bank $315,000 n/a 0.0%
Members First Credit Union N.H. $365,000 $310,000 -15.1% 0.0%
COLORADO CREDIT UNION $305,000 n/a 0.0%
Wakefield Co-operative Bank $305,000 n/a 0.0%
AMERICAN ADVISORS GROUP $140,000 $300,000 114.3% 0.0%
Bay State Savings Bank $285,000 n/a 0.0%
MID-ISLAND MORTGAGE CORP. $285,000 n/a 0.0%
Prosperity Home Mortgage, LLC $165,000 $285,000 72.7% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $135,000 $275,000 103.7% 0.0%
OPEN MORTGAGE, LLC $275,000 n/a 0.0%
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION $265,000 $255,000 -3.8% 0.0%
HOLYOKE $245,000 n/a 0.0%
UniBank for Savings $155,000 $245,000 58.1% 0.0%
PREMIA MORTGAGE, LLC $265,000 $235,000 -11.3% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $1,260,000 $230,000 -81.7% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $230,000 n/a 0.0%
Ally Bank $225,000 n/a 0.0%
Baxter Credit Union $740,000 $225,000 -69.6% 0.0%
FirstBank $225,000 n/a 0.0%
Goldwater Bank, N.A. $125,000 $225,000 80.0% 0.0%
LOGIX FEDERAL CREDIT UNION $215,000 n/a 0.0%
Peoples Trust Company of St. Albans $215,000 n/a 0.0%
MEMBERS MORTGAGE COMPANY, INC. $985,000 $205,000 -79.2% 0.0%
RESIDENTIAL BANCORP. $205,000 n/a 0.0%
InterContinental Capital Group, Inc $185,000 $195,000 5.4% 0.0%
Plains Commerce Bank $195,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $145,000 $185,000 27.6% 0.0%
US MORTGAGE CORPORATION $185,000 n/a 0.0%
Truist Bank $1,205,000 $180,000 -85.1% 0.0%
AFFINITY $175,000 n/a 0.0%
CUSO MORTGAGE CORPORATION $175,000 n/a 0.0%
Alerus Financial $165,000 n/a 0.0%
American Airlines Federal Credit Union $410,000 $165,000 -59.8% 0.0%
MERRIMACK VALLEY $515,000 $165,000 -68.0% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $1,085,000 $165,000 -84.8% 0.0%
Assurance Financial Group, L.L.C. $175,000 $155,000 -11.4% 0.0%
CRESCENT MORTGAGE COMPANY $1,070,000 $155,000 -85.5% 0.0%
Northwest Federal Credit Union $745,000 $155,000 -79.2% 0.0%
Webster Five Cents Savings Bank $185,000 $155,000 -16.2% 0.0%
AmeriHome Mortgage Company, LLC $290,000 $145,000 -50.0% 0.0%
KELLER MORTGAGE, LLC $1,375,000 $145,000 -89.5% 0.0%
MMS MORTGAGE SERVICES, LTD. $145,000 n/a 0.0%
Salem Five Cents Savings Bank $320,000 $130,000 -59.4% 0.0%
Equity Prime Mortgage LLC $125,000 n/a 0.0%
HarborOne Bank $125,000 n/a 0.0%
USAlliance Federal Credit Union $200,000 $125,000 -37.5% 0.0%
DUPACO COMMUNITY $95,000 $120,000 26.3% 0.0%
Avidia Bank $620,000 $115,000 -81.5% 0.0%
North Easton Savings Bank $115,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $815,000 $115,000 -85.9% 0.0%
GFA Federal Credit Union $510,000 $105,000 -79.4% 0.0%
NESC $105,000 n/a 0.0%
First Bank $75,000 n/a 0.0%
Univest Bank and Trust Co. $75,000 n/a 0.0%
Elements Financial Federal Credit Union $55,000 n/a 0.0%
BayCoast Bank $85,000 $45,000 -47.1% 0.0%
QUORUM FEDERAL CREDIT UNION $35,000 $45,000 28.6% 0.0%
ANDREWS FEDERAL CREDIT UNION $25,000 n/a 0.0%

Lebanon's top lender by overall market share is Mascoma Bank, with 13.3% market share. In second place, with 7.9%, is QUICKEN LOANS, LLC, having originated $167,470,000 in loans. In third place, with 5.5%, is EMM LOANS LLC, having originated $117,965,000 in loans. In third place, with 4.8%, is Bar Harbor Bank & Trust, having originated $102,470,000 in loans. In third place, with 3.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $70,495,000 in loans.


Lebanon, NH-VT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,162 $948,090,000 $299,839
Refi 2,795 $668,035,000 $239,011
Cash Out Refi 1,654 $387,770,000 $234,444
Home Improvement 386 $47,010,000 $121,788
Other 306 $75,180,000 $245,686
NA 1 $15,000 $15,000

Lebanon's most frequently cited loan purpose was Home Purchase, with 3,162 originations. The 2nd most popular reason was Refi, with 2,795 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 3,343 $873,605,000 $261,324
3-4% 3,025 $804,505,000 $265,952
<2.5% 1,446 $369,510,000 $255,539
4-5% 287 $43,015,000 $149,878
5-6% 68 $6,390,000 $93,971
6-7% 39 $2,165,000 $55,513
7-8% 15 $1,615,000 $107,667
Over 8% 5 $505,000 $101,000

During 2021, Lebanon's most frequently originated rate bucket was 2.5-3%, with 3,343 originations.

Loan Sizing (Lebanon, NH-VT MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 3,225 $488,215,000 $151,384
$200k-400k 3,209 $869,815,000 $271,055
$100,000 or less 944 $59,260,000 $62,775
$400k-600k 646 $306,250,000 $474,071
$600k-1000k 176 $130,950,000 $744,034
$Over $1MM 104 $271,610,000 $2,611,635

Lebanon's loan sizing saw the bucket of loans from $100k-200k with 3,225 originations, totaling $488,215,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 3,135 $952,745,000 $303,906
80-100% 2,254 $609,850,000 $270,563
40-60% 1,572 $360,540,000 $229,351
20-40% 693 $106,135,000 $153,153
Under 20% 346 $20,590,000 $59,509
Over 100% 49 $13,965,000 $285,000

Lebanon's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 3,135 originations, totaling $952,745,000 in origination value.