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 7.02% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

The average rate for the prior week (2023-09-14) was 7.01% and one month ago for the week of 2023-08-17, the average rate was 6.52%.

Lebanon's average rate one year ago was 5.85%.

For refis of the same type during the week of 2023-09-21, the average rate was 6.25%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-21 7.19%
Lebanon 30 Year Fixed Rate 2023-09-21 7.02%
Lebanon 30 Year Fixed Rate Refi 2023-09-21 6.25%
Lebanon 15 Year Fixed Rate 2023-09-21 6.22%
Lebanon 15 Year Fixed Rate Refi 2023-09-21 5.27%
Lebanon 30 Year FHA 2023-09-21 6.51%
Lebanon 30 Year FHA Refi 2023-09-21 7.04%
Lebanon 30 Year USDA 2023-09-21 6.92%
Lebanon 30 Year USDA Refi 2023-09-21 7.02%
Lebanon 30 Year VA 2023-09-21 6.54%
Lebanon 30 Year VA Refi 2023-09-21 6.82%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Mascoma Bank 386 4.49% $4,422
QUICKEN LOANS, LLC 213 4.90% $6,846
EMM LOANS LLC 111 4.79% $4,784
UNITED WHOLESALE MORTGAGE, LLC 109 5.15% $4,923
Bar Harbor Bank & Trust 78 4.65% $4,900
Meredith Village Savings Bank 63 4.56% $3,297
CMG MORTGAGE, INC. 55 5.31% $4,477
Union Bank 49 4.74% $5,531
GUILD MORTGAGE COMPANY 47 5.18% $4,177
Northway Bank 46 4.48% $3,939
LOANDEPOT.COM, LLC 39 4.67% $6,620
Bank of America 39 3.71% $6,811
Bank of New Hampshire 38 5.00% $3,305
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 38 5.05% $5,519
Citizens Bank 37 4.22% $5,264
HARBORONE MORTGAGE, LLC 35 5.11% $4,507
PRIMELENDING, A PLAINSCAPITAL COMPANY 31 5.08% $5,333
Service Federal Credit Union 30 4.49% $3,753
Wells Fargo Bank 30 4.54% $4,099
VERMONT STATE EMPLOYEES 29 4.72% $4,873
NORTHEAST CREDIT UNION 27 4.79% $4,556
CROSSCOUNTRY MORTGAGE, LLC 27 5.31% $7,201
AMERISAVE MORTGAGE CORPORATION 27 4.28% $8,673
Northfield Savings Bank 26 4.24% $3,366
NORTHEAST HOME LOAN, LLC 26 4.81% $4,192
TD Bank 24 4.22% $4,693
MOVEMENT MORTGAGE, LLC 24 5.00% $4,987
GUARANTEED RATE, INC. 24 4.81% $5,934
U.S. Bank 23 4.85% $6,065
JPMorgan Chase Bank 21 4.53% $5,521
Leader Bank 20 4.40% $5,031
NEW ENGLAND FEDERAL CREDIT UNION 20 4.96% $3,982
Mr. Cooper ( Nationstar Mortgage ) 18 4.63% $8,591
NAVY FEDERAL CREDIT UNION 16 5.16% $4,789
Morgan Stanley Private Bank 16 3.87% $4,585
First Republic Bank 16 3.29% $4,356
M&T Bank 15 4.86% $4,111
HOMEBRIDGE FINANCIAL SERVICES, INC. 14 5.53% $7,177
ACADEMY MORTGAGE CORPORATION 14 5.04% $6,856
Citibank 14 3.03% $5,345
Mortgage Network, Inc. 13 4.88% $5,231
EVERETT FINANCIAL, INC. 13 5.38% $2,486
FREEDOM MORTGAGE CORPORATION 12 5.63% $7,015
KeyBank 11 4.34% $5,174
NORTH COUNTRY 11 6.08% $4,409
PENNYMAC LOAN SERVICES, LLC 10 4.76% $6,093
ST. MARY'S BANK 10 4.41% $3,333
Merrimack County Savings Bank 10 4.52% $3,659
EMBRACE HOME LOANS, INC. 10 5.11% $4,558
Webster Bank 9 3.99% $7,629
BROKER SOLUTIONS, INC. 9 4.11% $6,488
NEWREZ LLC 8 4.44% $5,662
SALEM FIVE MORTGAGE COMPANY, LLC 7 4.18% $4,708
Vermont Federal Credit Union 7 4.70% $4,128
Bangor Savings Bank 7 4.82% $3,583
Advisors Mortgage Group, L.L.C. 7 4.98% $6,553
Community Bank 7 4.46% $525
Granite State Credit Union 7 4.61% $5,535
GUARANTEED RATE AFFINITY, LLC 7 5.52% $5,687
HOME POINT FINANCIAL CORPORATION 7 5.93% $4,894
NBKC BANK 6 4.04% $3,305
PRIMARY RESIDENTIAL MORTGAGE, INC. 6 5.88% $10,146
TOTAL MORTGAGE SERVICES, LLC 6 5.79% $7,505
Northpointe Bank 6 5.58% $6,505
NEW FED MORTGAGE, CORP. 6 3.76% $2,935
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 6 5.48% $4,380
American Mortgage & Equity Consultants, Inc. 5 5.68% $4,032
ENVOY MORTGAGE, LTD 5 5.52% $5,868
DRAPER AND KRAMER MORTGAGE CORP. 5 4.65% $3,531
BETTER MORTGAGE CORPORATION 5 4.73% $6,109
21ST MORTGAGE CORPORATION 5 6.75% $5,566
The Camden National Bank 5 4.22% $3,690
Community National Bank 5 5.05% $3,258
LEADERONE FINANCIAL CORPORATION 5 5.73% $5,958
Main Street Bank 4 4.28% $16,151
DIGITAL Federal Credit Union 4 5.38% $3,234
Colonial Savings, F.A. 4 5.56% $4,181
Workers Credit Union 4 4.59% $3,336
MUTUAL OF OMAHA MORTGAGE, INC. 4 5.31% $6,784
WASHINGTON TRUST MORTGAGE COMPANY LLC 4 4.75% $3,536
Envision Bank 4 4.13% $4,390
Truist 4 4.40% $4,451
Wyndham Capital Mortgage, Inc. 4 5.22% $3,673
BELLWETHER COMMUNITY 4 4.69% $4,552
BAYCOAST MORTGAGE COMPANY, LLC 4 4.53% $3,731
USAA Federal Savings Bank 4 4.88% $4,118
Bethpage Federal Credit Union 3 4.83% $5,300
Berkshire Bank 3 4.79% $4,027
BNY Mellon 3 3.33% $4,837
Charles Schwab Bank, SSB 3 3.45% $5,082
City National Bank 3 4.40% $10,027
Discover Bank 3 5.41% $0
Enterprise Bank and Trust Company 3 4.58% $8,137
HOMESIDE FINANCIAL, LLC 3 5.04% $4,978
Jeanne D'Arc Credit Union 3 3.92% $3,195
LAKEVIEW LOAN SERVICING, LLC 3 5.25% $4,469
Mortgage Research Center, LLC 3 4.88% $4,635
NFM, INC. 3 5.08% $5,306
NORTHPOINT MORTGAGE, INC. 3 5.83% $8,188
PENTAGON FEDERAL CREDIT UNION 3 4.17% $2,504
RADIUS FINANCIAL GROUP INC. 3 4.75% $8,087
Simmons Bank 3 3.42% $4,480
UBS Bank USA 3 3.71% $6,515
WILLIAM RAVEIS MORTGAGE, LLC 3 5.21% $6,792
Century Mortgage Company DBA Century Lending Company 2 5.56% $4,730
The Huntington National Bank 2 3.91% $6,016
People's United Bank 2 3.38% $3,491
Raymond James Bank 2 2.69% $3,272
RBC Bank, (Georgia) 2 5.88% $2,996
RELIANCE FIRST CAPITAL, LLC 2 5.69% $13,865
Rockland Trust Company 2 4.75% $8,425
Carrington Mortgage Services, LLC 2 5.13% $6,404
Ross Mortgage Company, Inc. 2 5.12% $3,800
RTN FEDERAL CREDIT UNION 2 4.56% $3,113
Goldman Sachs Bank USA 2 3.60% $7,047
CALIBER HOME LOANS, INC. 2 4.63% $5,274
PLANET HOME LENDING, LLC 2 5.81% $9,623
Shamrock Home Loans, Inc. 2 5.31% $7,814
WEBSTER FIRST Federal Credit Union 2 4.06% $3,746
Farm Credit East, ACA 2 6.53% $5,007
Silicon Valley Bank 2 3.31% $4,201
Waterstone Mortgage Corporation 2 4.69% $11,041
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 6.62% $9,577
AMERICAN INTERNET MORTGAGE, INC. 2 3.56% $5,208
PROVINCE MORTGAGE ASSOCIATES, INC. 2 5.94% $7,052
Ally Bank 2 5.06% $4,240
Quontic Bank 2 6.06% $8,706
METRO 2 4.50% $4,314
Institution for Savings in Newburyport and Its Vicinity 2 3.75% $9,543
CHURCHILL MORTGAGE CORPORATION 2 6.06% $6,068
HOMESTEAD FUNDING CORP. 2 3.63% $4,787
Shore United Bank 1 7.50% $4,385
Sierra Pacific Mortgage Company, Inc. 1 3.25% $2,583
Wilmington Savings Fund Society, FSB 1 3.63% $19,256
Stifel Bank and Trust 1 3.88% $2,844
City National Bank of Florida 1 4.38% $10,329
SUCCESS MORTGAGE PARTNERS, INC. 1 4.88% $4,555
The People's Credit Union 1 3.63% $4,891
The Washington Trust Company, of Westerly 1 4.50% $3,931
Third Federal Savings and Loan Association of Cleveland 1 2.49% $295
CENTRAL ONE FEDERAL CREDIT UNION 1 5.24% $2,907
Triangle Credit Union 1 2.75% $2,443
ADVANCIAL 1 7.13% $5,000
Cambridge Trust Company 1 3.00% $3,656
United Nations Federal Credit Union 1 4.38% $2,795
Axos Bank 1 5.38% $4,118
Arvest Bank 1 4.00% $6,138
US MORTGAGE CORPORATION 1 5.50% $3,341
Valley National Bank 1 5.00% $3,277
Armed Forces Bank 1 3.50% $9,874
LOGIX FEDERAL CREDIT UNION 1 3.75% $0
MEMBERS ADVANTAGE COMMUNITY CREDIT UNION 1 4.75% $1,742
Kittredge Mortgage Corporation 1 6.50% $12,029
Ixonia Bank 1 6.50% $7,161
MORTGAGE EQUITY PARTNERS LLC 1 5.50% $5,816
ARC HOME LLC 1 6.25% $15,645
Home Loan Investment Bank, F.S.B. 1 4.75% $8,572
HIWAY 1 5.50% $3,307
HANSCOM 1 3.75% $5,665
Nations Lending Corporation 1 4.38% $7,214
NATIONS RELIABLE LENDING, LLC 1 6.88% $3,676
FIRST TECHNOLOGY 1 4.13% $5,025
First Savings Bank 1 6.13% $5,302
NESC 1 3.75% $5,043
Firstrust Savings Bank 1 4.25% $5,715
FIRST MORTGAGE COMPANY, INC. 1 5.99% $6,952
First Internet Bank of Indiana 1 5.50% $2,812
NEXERA HOLDING LLC 1 8.63% $16,094
FIRST HOME MORTGAGE CORPORATION 1 4.75% $6,921
First Home Bank 1 4.50% $7,693
First Guaranty Mortgage Corporation 1 2.88% $6,229
FINEX CREDIT UNION 1 3.75% $3,897
FINANCE OF AMERICA MORTGAGE LLC 1 3.63% $3,732
Fall River Five Cents Savings Bank 1 5.13% $2,184
PHH Mortgage Corporation 1 6.13% $4,856
PNC Bank 1 2.38% $8,901
Evolve Bank & Trust 1 3.75% $3,168
Eastern Bank 1 3.75% $5,101
DEEPHAVEN MORTGAGE LLC 1 7.88% $4,603
Actors Federal Credit Union 1 4.00% $3,285
DAS Acquisition Company, LLC 1 6.13% $6,509
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 4.00% $3,837

Lebanon Average Closing Costs & Other Stats

Lebanon, NH-VT's 182 lenders originated 5,505 loans during 2022. The total origination value was $1,514,645,000, with an average loan value of $275,140.

Lebanon's average closing costs are $4,406.

The top Lebanon lender as defined by loan originations is Mascoma Bank, with 386 loans originated. Their average total fees are $4,422, which is $2,424 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Lebanon lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($2,486), Meredith Village Savings Bank ($3,297), Bank of New Hampshire ($3,305), ST. MARY'S BANK ($3,333) and Northfield Savings Bank ($3,366).

The lowest rate Lebanon lenders (with over 10 loans originated) are Citibank (3.03%), First Republic Bank (3.29%), Bank of America (3.71%), Morgan Stanley Private Bank (3.87%) and TD Bank (4.22%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Mascoma Bank $283,225,000 $229,730,000 -18.9% 15.2%
QUICKEN LOANS, LLC $167,470,000 $83,995,000 -49.8% 5.5%
Meredith Village Savings Bank $46,390,000 $56,885,000 22.6% 3.8%
Citizens Bank $62,655,000 $55,365,000 -11.6% 3.7%
Brookline Bank $2,030,000 $54,800,000 2,599.5% 3.6%
Bar Harbor Bank & Trust $102,470,000 $51,310,000 -49.9% 3.4%
Service Federal Credit Union $37,840,000 $51,035,000 34.9% 3.4%
UNITED WHOLESALE MORTGAGE, LLC $70,495,000 $48,075,000 -31.8% 3.2%
EMM LOANS LLC $117,965,000 $43,455,000 -63.2% 2.9%
Bank of America $38,365,000 $30,635,000 -20.1% 2.0%
Union Bank $31,125,000 $28,405,000 -8.7% 1.9%
Northway Bank $17,740,000 $26,900,000 51.6% 1.8%
CMG MORTGAGE, INC. $29,990,000 $24,620,000 -17.9% 1.6%
Mortgage Research Center, LLC $21,090,000 $18,460,000 -12.5% 1.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $21,285,000 $17,545,000 -17.6% 1.2%
HARBORONE MORTGAGE, LLC $39,305,000 $17,445,000 -55.6% 1.2%
LOANDEPOT.COM, LLC $36,405,000 $16,820,000 -53.8% 1.1%
GUILD MORTGAGE COMPANY $2,415,000 $16,170,000 569.6% 1.1%
Northfield Savings Bank $20,470,000 $15,705,000 -23.3% 1.0%
Wells Fargo Bank $31,965,000 $15,680,000 -50.9% 1.0%
Franklin Savings Bank $16,625,000 $15,300,000 -8.0% 1.0%
JPMorgan Chase Bank $33,090,000 $15,285,000 -53.8% 1.0%
Bank of New Hampshire $22,440,000 $15,075,000 -32.8% 1.0%
Prudential Huntoon Paige Associates, LLC $14,915,000 n/a 1.0%
Citibank $11,765,000 $14,840,000 26.1% 1.0%
TD Bank $20,335,000 $14,790,000 -27.3% 1.0%
CROSSCOUNTRY MORTGAGE, LLC $11,790,000 $13,965,000 18.4% 0.9%
Berkshire Bank $1,610,000 $13,420,000 733.5% 0.9%
GUARANTEED RATE, INC. $22,165,000 $13,120,000 -40.8% 0.9%
VERMONT STATE EMPLOYEES $24,240,000 $12,860,000 -46.9% 0.8%
NAVY FEDERAL CREDIT UNION $14,120,000 $12,345,000 -12.6% 0.8%
Morgan Stanley Private Bank $11,500,000 $12,335,000 7.3% 0.8%
PRIMELENDING, A PLAINSCAPITAL COMPANY $17,575,000 $12,305,000 -30.0% 0.8%
U.S. Bank $8,985,000 $11,925,000 32.7% 0.8%
NORTHEAST CREDIT UNION $11,945,000 $11,840,000 -0.9% 0.8%
AMERISAVE MORTGAGE CORPORATION $28,915,000 $11,715,000 -59.5% 0.8%
Leader Bank $16,295,000 $11,245,000 -31.0% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $16,205,000 $10,550,000 -34.9% 0.7%
MOVEMENT MORTGAGE, LLC $9,410,000 $9,490,000 0.9% 0.6%
PENNYMAC LOAN SERVICES, LLC $20,340,000 $9,315,000 -54.2% 0.6%
M&T Bank $2,910,000 $8,680,000 198.3% 0.6%
First Republic Bank $14,390,000 $8,595,000 -40.3% 0.6%
HOMEBRIDGE FINANCIAL SERVICES, INC. $5,955,000 $8,340,000 40.1% 0.6%
FREEDOM MORTGAGE CORPORATION $26,700,000 $8,195,000 -69.3% 0.5%
ST. MARY'S BANK $9,060,000 $7,665,000 -15.4% 0.5%
NEW ENGLAND FEDERAL CREDIT UNION $8,290,000 $7,240,000 -12.7% 0.5%
Webster Bank $3,445,000 $6,890,000 100.0% 0.5%
Main Street Bank $2,875,000 $6,560,000 128.2% 0.4%
KeyBank $7,035,000 $6,390,000 -9.2% 0.4%
NORTHEAST HOME LOAN, LLC $13,390,000 $6,005,000 -55.2% 0.4%
GREYSTONE SERVICING COMPANY LLC $5,985,000 n/a 0.4%
City National Bank $3,140,000 $5,735,000 82.6% 0.4%
Merrimack County Savings Bank $5,895,000 $5,540,000 -6.0% 0.4%
Middlesex Savings Bank $5,485,000 n/a 0.4%
NORTH COUNTRY $5,740,000 $5,435,000 -5.3% 0.4%
EMBRACE HOME LOANS, INC. $9,110,000 $5,130,000 -43.7% 0.3%
BROKER SOLUTIONS, INC. $8,745,000 $5,030,000 -42.5% 0.3%
Community National Bank $2,160,000 $4,970,000 130.1% 0.3%
Mortgage Network, Inc. $8,165,000 $4,965,000 -39.2% 0.3%
Bangor Savings Bank $7,040,000 $4,910,000 -30.3% 0.3%
MEMBERS ADVANTAGE COMMUNITY CREDIT UNION $2,540,000 $4,905,000 93.1% 0.3%
Goldman Sachs Bank USA $1,875,000 $4,800,000 156.0% 0.3%
Eastern Bank $4,955,000 $4,665,000 -5.9% 0.3%
ONE Credit Union $6,855,000 $4,605,000 -32.8% 0.3%
ACADEMY MORTGAGE CORPORATION $6,835,000 $4,590,000 -32.8% 0.3%
EVERETT FINANCIAL, INC. $1,925,000 $4,395,000 128.3% 0.3%
HOME POINT FINANCIAL CORPORATION $4,780,000 $4,210,000 -11.9% 0.3%
UBS Bank USA $14,995,000 $4,090,000 -72.7% 0.3%
Community Bank $4,360,000 $4,075,000 -6.5% 0.3%
USAA Federal Savings Bank $9,200,000 $4,070,000 -55.8% 0.3%
Cambridge Trust Company $8,205,000 $3,925,000 -52.2% 0.3%
NEWREZ LLC $14,905,000 $3,605,000 -75.8% 0.2%
Advisors Mortgage Group, L.L.C. $3,185,000 $3,585,000 12.6% 0.2%
Charles Schwab Bank, SSB $5,845,000 $3,585,000 -38.7% 0.2%
BELLWETHER COMMUNITY $2,130,000 $3,245,000 52.3% 0.2%
DIGITAL Federal Credit Union $6,790,000 $3,090,000 -54.5% 0.2%
BETTER MORTGAGE CORPORATION $5,720,000 $2,855,000 -50.1% 0.2%
The Camden National Bank $1,125,000 $2,805,000 149.3% 0.2%
BNY Mellon $3,460,000 $2,755,000 -20.4% 0.2%
City National Bank of Florida $2,745,000 n/a 0.2%
Envision Bank $2,780,000 $2,625,000 -5.6% 0.2%
RELIANCE FIRST CAPITAL, LLC $1,780,000 $2,615,000 46.9% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $6,765,000 $2,570,000 -62.0% 0.2%
ENVOY MORTGAGE, LTD $3,195,000 $2,535,000 -20.7% 0.2%
NBKC BANK $2,320,000 $2,515,000 8.4% 0.2%
SALEM FIVE MORTGAGE COMPANY, LLC $4,660,000 $2,465,000 -47.1% 0.2%
LAKEVIEW LOAN SERVICING, LLC $6,270,000 $2,445,000 -61.0% 0.2%
Vermont Federal Credit Union $2,350,000 $2,425,000 3.2% 0.2%
Silicon Valley Bank $315,000 $2,410,000 665.1% 0.2%
DRAPER AND KRAMER MORTGAGE CORP. $6,205,000 $2,385,000 -61.6% 0.2%
Truist $180,000 $2,385,000 1,225.0% 0.2%
Jeanne D'Arc Credit Union $1,165,000 $2,335,000 100.4% 0.2%
GUARANTEED RATE AFFINITY, LLC $3,555,000 $2,320,000 -34.7% 0.2%
Granite State Credit Union $3,265,000 $2,315,000 -29.1% 0.2%
Northpointe Bank $2,760,000 $2,315,000 -16.1% 0.2%
PNC Bank $3,460,000 $2,215,000 -36.0% 0.1%
BAYCOAST MORTGAGE COMPANY, LLC $2,610,000 $2,080,000 -20.3% 0.1%
TOTAL MORTGAGE SERVICES, LLC $2,625,000 $2,075,000 -21.0% 0.1%
Wyndham Capital Mortgage, Inc. $3,550,000 $2,030,000 -42.8% 0.1%
21ST MORTGAGE CORPORATION $1,600,000 $2,015,000 25.9% 0.1%
Barrington Bank & Trust Company, N.A. $2,915,000 $1,990,000 -31.7% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $4,500,000 $1,945,000 -56.8% 0.1%
NEW FED MORTGAGE, CORP. $2,545,000 $1,820,000 -28.5% 0.1%
Workers Credit Union $540,000 $1,820,000 237.0% 0.1%
Carrington Mortgage Services, LLC $2,865,000 $1,810,000 -36.8% 0.1%
Enterprise Bank and Trust Company $1,405,000 $1,695,000 20.6% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $2,365,000 $1,655,000 -30.0% 0.1%
WASHINGTON TRUST MORTGAGE COMPANY LLC $760,000 $1,640,000 115.8% 0.1%
Institution for Savings in Newburyport and Its Vicinity $1,570,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $4,990,000 $1,545,000 -69.0% 0.1%
Raymond James Bank $2,430,000 $1,540,000 -36.6% 0.1%
Salem Co-Operative Bank $1,495,000 n/a 0.1%
American Mortgage & Equity Consultants, Inc. $1,455,000 n/a 0.1%
NORTHPOINT MORTGAGE, INC. $2,235,000 $1,435,000 -35.8% 0.1%
RADIUS FINANCIAL GROUP INC. $1,660,000 $1,385,000 -16.6% 0.1%
PENTAGON FEDERAL CREDIT UNION $1,750,000 $1,380,000 -21.1% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $3,530,000 $1,360,000 -61.5% 0.1%
Evolve Bank & Trust $960,000 $1,355,000 41.1% 0.1%
Third Federal Savings and Loan Association of Cleveland $1,055,000 $1,325,000 25.6% 0.1%
WILLIAM RAVEIS MORTGAGE, LLC $2,895,000 $1,305,000 -54.9% 0.1%
SIS BANCORP, MHC $1,290,000 n/a 0.1%
PLANET HOME LENDING, LLC $1,280,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $3,250,000 $1,240,000 -61.8% 0.1%
The Huntington National Bank $420,000 $1,240,000 195.2% 0.1%
Rockland Trust Company $1,030,000 $1,180,000 14.6% 0.1%
SPRING EQ, LLC $800,000 $1,160,000 45.0% 0.1%
CALIBER HOME LOANS, INC. $3,445,000 $1,155,000 -66.5% 0.1%
The National Bank of Middlebury $2,850,000 $1,145,000 -59.8% 0.1%
Colonial Savings, F.A. $3,795,000 $1,135,000 -70.1% 0.1%
PHH Mortgage Corporation $1,090,000 $1,105,000 1.4% 0.1%
METRO $575,000 $1,075,000 87.0% 0.1%
Discover Bank $565,000 $1,070,000 89.4% 0.1%
HANSCOM $2,345,000 $1,040,000 -55.7% 0.1%
AMERICAN ADVISORS GROUP $300,000 $1,025,000 241.7% 0.1%
Wilmington Savings Fund Society, FSB $1,005,000 n/a 0.1%
CENTRAL ONE FEDERAL CREDIT UNION $685,000 $980,000 43.1% 0.1%
Century Mortgage Company DBA Century Lending Company $955,000 n/a 0.1%
Ally Bank $225,000 $940,000 317.8% 0.1%
A&D Mortgage LLC $920,000 n/a 0.1%
Northmark Bank $405,000 $905,000 123.5% 0.1%
Waterstone Mortgage Corporation $475,000 $880,000 85.3% 0.1%
FIRST TECHNOLOGY $810,000 $855,000 5.6% 0.1%
HOMESIDE FINANCIAL, LLC $2,025,000 $850,000 -58.0% 0.1%
Bethpage Federal Credit Union $550,000 $845,000 53.6% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $770,000 n/a 0.1%
Nations Lending Corporation $480,000 $770,000 60.4% 0.1%
The Washington Trust Company, of Westerly $320,000 $770,000 140.6% 0.1%
Farm Credit East, ACA $1,075,000 $760,000 -29.3% 0.1%
People's United Bank $16,910,000 $760,000 -95.5% 0.1%
Bank of England $2,290,000 $750,000 -67.2% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $165,000 $745,000 351.5% 0.0%
Triangle Credit Union $720,000 n/a 0.0%
North American Savings Bank, F.S.B. $1,425,000 $710,000 -50.2% 0.0%
AMERICAN FINANCING CORPORATION $2,170,000 $700,000 -67.7% 0.0%
NFM, INC. $440,000 $695,000 58.0% 0.0%
Simmons Bank $695,000 n/a 0.0%
NEXERA HOLDING LLC $685,000 n/a 0.0%
Shamrock Home Loans, Inc. $980,000 $660,000 -32.7% 0.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,280,000 $655,000 -80.0% 0.0%
Ross Mortgage Company, Inc. $640,000 n/a 0.0%
SOFI LENDING CORP. $3,485,000 $630,000 -81.9% 0.0%
TRIAD FINANCIAL SERVICES, INC. $625,000 n/a 0.0%
Kittredge Mortgage Corporation $615,000 n/a 0.0%
RTN FEDERAL CREDIT UNION $610,000 n/a 0.0%
Armed Forces Bank $605,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $1,380,000 $600,000 -56.5% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $970,000 $585,000 -39.7% 0.0%
Citadel Servicing Corporation $565,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $45,000 $545,000 1,111.1% 0.0%
North Shore Bank, a Co-operative Bank $560,000 $540,000 -3.6% 0.0%
Stifel Bank and Trust $4,320,000 $520,000 -88.0% 0.0%
Hometown Bank $515,000 n/a 0.0%
The Lowell Five Cent Savings Bank $510,000 n/a 0.0%
PROVINCE MORTGAGE ASSOCIATES, INC. $500,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $495,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $2,120,000 $490,000 -76.9% 0.0%
MEMBER FIRST MORTGAGE, LLC $1,950,000 $485,000 -75.1% 0.0%
Salem Five Cents Savings Bank $130,000 $485,000 273.1% 0.0%
The Federal Savings Bank $3,100,000 $480,000 -84.5% 0.0%
ARC HOME LLC $1,770,000 $465,000 -73.7% 0.0%
Axos Bank $640,000 $455,000 -28.9% 0.0%
CHURCHILL MORTGAGE CORPORATION $1,060,000 $450,000 -57.5% 0.0%
PLAZA HOME MORTGAGE, INC. $635,000 $440,000 -30.7% 0.0%
WEBSTER FIRST Federal Credit Union $420,000 n/a 0.0%
Equity Prime Mortgage LLC $125,000 $415,000 232.0% 0.0%
Winchester Co-operative Bank $415,000 n/a 0.0%
Figure Lending LLC $415,000 $405,000 -2.4% 0.0%
Northwest Federal Credit Union $155,000 $400,000 158.1% 0.0%
Avidia Bank $115,000 $395,000 243.5% 0.0%
FINEX CREDIT UNION $565,000 $395,000 -30.1% 0.0%
Shore United Bank $385,000 n/a 0.0%
South Shore Bank $385,000 n/a 0.0%
POLISH NATIONAL $375,000 n/a 0.0%
BAY EQUITY LLC $605,000 $365,000 -39.7% 0.0%
Mechanics Cooperative Bank $365,000 n/a 0.0%
United Nations Federal Credit Union $715,000 $365,000 -49.0% 0.0%
Quontic Bank $815,000 $350,000 -57.1% 0.0%
RBC Bank, (Georgia) $350,000 n/a 0.0%
FIRST MORTGAGE COMPANY, INC. $345,000 n/a 0.0%
Monson Savings Bank $345,000 n/a 0.0%
The Union Bank Company $405,000 $345,000 -14.8% 0.0%
First Savings Bank $640,000 $340,000 -46.9% 0.0%
Haverhill Bank $335,000 n/a 0.0%
FIRST HOME MORTGAGE CORPORATION $530,000 $325,000 -38.7% 0.0%
Home Loan Investment Bank, F.S.B. $1,410,000 $325,000 -77.0% 0.0%
MERRIMACK VALLEY $165,000 $325,000 97.0% 0.0%
First Guaranty Mortgage Corporation $1,700,000 $320,000 -81.2% 0.0%
Cf Bank $2,045,000 $315,000 -84.6% 0.0%
First Seacoast Bank $585,000 $315,000 -46.2% 0.0%
NBT Bank $2,205,000 $315,000 -85.7% 0.0%
Prosperity Home Mortgage, LLC $285,000 $315,000 10.5% 0.0%
RF Renovo Management Company, LLC $315,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $185,000 $310,000 67.6% 0.0%
First Federal Bank $1,605,000 $305,000 -81.0% 0.0%
Magnolia Bank $400,000 $305,000 -23.8% 0.0%
Montgomery Bank $305,000 n/a 0.0%
GFA Federal Credit Union $105,000 $285,000 171.4% 0.0%
HARVARD UNIVERSITY EMPLOYEES $430,000 $285,000 -33.7% 0.0%
HIWAY $275,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $595,000 $275,000 -53.8% 0.0%
Flagstar Bank, FSB $4,065,000 $255,000 -93.7% 0.0%
HarborOne Bank $125,000 $255,000 104.0% 0.0%
LOGIX FEDERAL CREDIT UNION $215,000 $255,000 18.6% 0.0%
NATIONS RELIABLE LENDING, LLC $255,000 n/a 0.0%
Navigant Credit Union $680,000 $255,000 -62.5% 0.0%
Sierra Pacific Mortgage Company, Inc. $255,000 n/a 0.0%
DAS Acquisition Company, LLC $245,000 n/a 0.0%
First United Bank and Trust Company $245,000 n/a 0.0%
MountainOne Bank $365,000 $245,000 -32.9% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $550,000 $240,000 -56.4% 0.0%
Chicago Mortgage Solutions LLC $905,000 $235,000 -74.0% 0.0%
Clinton Savings Bank $235,000 n/a 0.0%
CONWAY FINANCIAL SERVICES, LLC $235,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $235,000 n/a 0.0%
First Home Bank $380,000 $225,000 -40.8% 0.0%
NORWICH COMMERCIAL GROUP, INC. $915,000 $225,000 -75.4% 0.0%
Texana Bank $225,000 n/a 0.0%
Valley National Bank $225,000 n/a 0.0%
CANOPY MORTGAGE, LLC $325,000 $215,000 -33.8% 0.0%
Washington Savings Bank $215,000 n/a 0.0%
Fifth Third Bank $1,270,000 $205,000 -83.9% 0.0%
LENDSURE MORTGAGE CORP. $205,000 n/a 0.0%
US MORTGAGE CORPORATION $185,000 $205,000 10.8% 0.0%
The People's Credit Union $195,000 n/a 0.0%
Actors Federal Credit Union $175,000 n/a 0.0%
Arvest Bank $750,000 $175,000 -76.7% 0.0%
CONTOUR MORTGAGE CORPORATION $545,000 $175,000 -67.9% 0.0%
First Internet Bank of Indiana $615,000 $175,000 -71.5% 0.0%
Ixonia Bank $350,000 $175,000 -50.0% 0.0%
Fall River Five Cents Savings Bank $550,000 $165,000 -70.0% 0.0%
MORTGAGE EQUITY PARTNERS LLC $640,000 $165,000 -74.2% 0.0%
ADVANCIAL $155,000 n/a 0.0%
BankNewport $155,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $155,000 n/a 0.0%
NEW HAMPSHIRE $1,030,000 $150,000 -85.4% 0.0%
Firstrust Savings Bank $760,000 $145,000 -80.9% 0.0%
Southern Mass Credit Union $135,000 n/a 0.0%
Deere Employees Credit Union $315,000 $125,000 -60.3% 0.0%
American Airlines Federal Credit Union $165,000 $105,000 -36.4% 0.0%
First Western Federal Savings Bank $105,000 n/a 0.0%
Baxter Credit Union $225,000 $85,000 -62.2% 0.0%
First National Bank of America $415,000 $85,000 -79.5% 0.0%
BayCoast Bank $45,000 $75,000 66.7% 0.0%
NESC $105,000 $75,000 -28.6% 0.0%
LONGBRIDGE FINANCIAL, LLC $585,000 $65,000 -88.9% 0.0%
GREENWOOD $35,000 n/a 0.0%

Lebanon's top lender by overall market share is Mascoma Bank, with 15.2% market share. In second place, with 5.5%, is QUICKEN LOANS, LLC, having originated $83,995,000 in loans. In third place, with 3.8%, is Meredith Village Savings Bank, having originated $56,885,000 in loans. In fourth place, with 3.7%, is Citizens Bank, having originated $55,365,000 in loans. In fifth place, with 3.6%, is Brookline Bank, having originated $54,800,000 in loans.

Lebanon, NH-VT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,499 $883,845,000 $353,679
Cash Out Refi 1,107 $261,325,000 $236,066
Home Improvement 760 $91,290,000 $120,118
Refi 661 $147,885,000 $223,729
Other 478 $130,300,000 $272,594

Lebanon's most frequently cited loan purpose was Home Purchase, with 2,499 originations. The 2nd most popular reason was Cash Out Refi, with 1,107 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,464 $392,630,000 $268,190
5-6% 1,314 $358,750,000 $273,021
4-5% 1,227 $404,995,000 $330,069
6-7% 522 $115,860,000 $221,954
2.5-3% 417 $128,825,000 $308,933
<2.5% 274 $55,460,000 $202,409
7-8% 147 $27,375,000 $186,224
Over 8% 52 $5,310,000 $102,115

During 2022, Lebanon's most frequently originated rate bucket was 3-4%, with 1,464 originations.

Loan Sizing (Lebanon, NH-VT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 2,027 $558,655,000 $275,607
$100k-200k 1,674 $248,740,000 $148,590
$100,000 or less 1,061 $56,365,000 $53,124
$400k-600k 439 $207,665,000 $473,041
$600k-1000k 193 $143,025,000 $741,062
$Over $1MM 111 $300,195,000 $2,704,459

Lebanon's loan sizing saw the bucket of loans from $200k-400k with 2,027 originations, totaling $558,655,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,610 $627,650,000 $389,845
80-100% 1,508 $504,200,000 $334,350
40-60% 821 $194,035,000 $236,340
20-40% 719 $107,335,000 $149,284
Under 20% 713 $39,605,000 $55,547
Over 100% 38 $12,960,000 $341,053

Lebanon's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,610 originations, totaling $627,650,000 in origination value.