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State markets/New Hampshire/Merrimack County

COUNTY MORTGAGE MARKET · FIPS 33013

Merrimack County, New Hampshire

Who lends in Merrimack County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$1.23B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

3,866

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

14.9%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

274

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 274 lenders that originated in Merrimack County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

361

unconcentrated

Top-5 lender share

34.8%

of originations

Purchase

58.6%

1,760 loans

Refinance

41.4%

1,242 loans

Origination trend

Annual mortgage origination volume and loan count in Merrimack County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Merrimack County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Merrimack County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR MERRIMACK COUNTY →

TOP TEN LENDERS IN MERRIMACK COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

417$150.9M$150.9M originated in Merrimack County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
234$88.8M$88.8M originated in Merrimack County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
272$76.4M$76.4M originated in Merrimack County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
322$68.0M$68.0M originated in Merrimack County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
102$43.4M$43.4M originated in Merrimack County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
143$39.7M$39.7M originated in Merrimack County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
97$35.9M$35.9M originated in Merrimack County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
92$32.5M$32.5M originated in Merrimack County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
64$24.8M$24.8M originated in Merrimack County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
45$24.0M$24.0M originated in Merrimack County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Merrimack County

All 31 ZIP Code Tabulation Areas that touch Merrimack County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
31 OF 31 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
99 of the 11 Merrimack County tracts this ZIP area touches sit mostly inside it.33,43416.1%7,240——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Merrimack County tracts this ZIP area touches sit mostly inside it.14,87112.5%3,873——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Merrimack County tracts this ZIP area touches sit mostly inside it.14,54011.8%3,602——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Merrimack County tracts this ZIP area touches sit mostly inside it.11,9149.1%3,388——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Merrimack County tracts this ZIP area touches sit mostly inside it.8,7419.4%2,574——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Merrimack County tracts this ZIP area touches sit mostly inside it.8,2297.9%2,420——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Merrimack County tract this ZIP area touches sit mostly inside it.6,18513.8%1,285——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Merrimack County tracts this ZIP area touches sit mostly inside it.5,9147.0%1,970——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Merrimack County tracts this ZIP area touches sit mostly inside it.5,5767.6%1,938——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Merrimack County tract this ZIP area touches sit mostly inside it.4,8728.8%1,416——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Merrimack County tracts this ZIP area touches sit mostly inside it.4,8507.7%1,494——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Merrimack County tract this ZIP area touches sit mostly inside it.4,8346.7%1,487——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Merrimack County tracts this ZIP area touches sit mostly inside it.4,4008.0%1,336——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Merrimack County tract this ZIP area touches sit mostly inside it.4,1506.3%1,490——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Merrimack County tracts this ZIP area touches sit mostly inside it.4,07510.5%1,193——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Merrimack County tract this ZIP area touches sit mostly inside it.3,8286.4%1,462——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Merrimack County tract this ZIP area touches sit mostly inside it.3,6747.3%1,419——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Merrimack County tract this ZIP area touches sit mostly inside it.3,0057.3%943——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Merrimack County tract this ZIP area touches sit mostly inside it.2,6656.3%957——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Merrimack County tracts this ZIP area touches sit mostly inside it.2,3898.6%889——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Merrimack County tracts this ZIP area touches sit mostly inside it.1,6625.3%571——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Merrimack County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Merrimack County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Merrimack County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Merrimack County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Merrimack County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Merrimack County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Merrimack County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Merrimack County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Merrimack County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Merrimack County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

39 of Merrimack County’s 39 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Merrimack County

All 39 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

39 OF 39 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle114.3%4,35010.5%OPEN →
Middle112.7%3,90712.7%OPEN →
Middle88.2%4,7079.3%OPEN →
Middle114.3%5,0648.9%OPEN →
Upper132.9%2,1439.2%OPEN →
Upper157.4%3,0057.3%OPEN →
Upper148.9%4,2498.1%OPEN →
Upper172.9%3,9807.6%OPEN →
Middle118.9%3,76610.2%OPEN →
Moderate65.8%2,72817.4%OPEN →
Middle95.4%1,76310.8%OPEN →
Middle101.9%3,23713.1%OPEN →
Upper194.5%3,80211.1%OPEN →
Middle106.1%4,91714.4%OPEN →
Middle90.7%1,5489.2%OPEN →
Middle105.5%3,88914.0%OPEN →
Upper167.5%5,18210.9%OPEN →
Moderate76.6%4,34535.1%OPEN →
Upper121.6%2,6656.3%OPEN →
Upper127.2%4,8346.7%OPEN →
Middle98.6%4,07510.5%OPEN →
Middle89.8%5,5767.6%OPEN →
Upper133.1%2,3898.6%OPEN →
Middle107.3%3,9987.0%OPEN →
Middle105.5%4,8507.7%OPEN →
Upper121.3%5,9147.0%OPEN →
Upper133.1%6,18513.8%OPEN →
Middle108.6%1,6625.3%OPEN →
Upper132.2%4,1506.3%OPEN →
Upper140.1%1,8137.2%OPEN →
Upper129.1%2,5878.5%OPEN →
Middle108.3%3,6747.3%OPEN →
Middle109.1%3,8286.4%OPEN →
Middle80.8%4,24210.8%OPEN →
Middle82.5%4,4998.2%OPEN →
Middle90.0%4,8728.8%OPEN →
Moderate78.3%3,69419.0%OPEN →
Upper125.0%6,61413.6%OPEN →
Middle87.0%5,10514.6%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

155,967

Median household income

$97,004

Median home value

$367,600

Median gross rent

$1,360

per month

Owner-occupied

73.5%

of occupied units

Housing units

66,497

8.4% vacant

Poverty rate

7.6%

Unemployment

3.1%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Low

score 78.2

Social vulnerability

Very Low

Community resilience

Very High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

83

Declarations recorded

29

Incident types on record: Biological, Flood, Hurricane, Severe Ice Storm, Severe Storm, Snowstorm.

Everything we hold on Merrimack County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Merrimack County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Merrimack County →Every reported application and origination in FIPS 33013, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Merrimack County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

260

—

Purchase share

39.6%

103 loans

IRRRL refinances

90

Cash-out refinances

67

2026260—1039067
2025219—1214850
2024163—1032337
2023159—117339
2022——1426699
2021687—166416105
2020585—19430982
2019314—1884680
2018308—1952984
2017328—1748272
2016301—1687855
2015284—1567850

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Merrimack County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Merrimack County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

248

−13.9% vs 2024

Multifamily · 2025

38

−43.3% vs 2024

Total authorized · 2025

286

−19.4% vs 2024

Permit valuation · 2025

$119.8M

authorized construction value

Units authorized by year

Merrimack County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
05001K1.5K2K1990199219941996199820002002200420062008201020122014201620182020202220242025286 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Merrimack County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

inflow2223Foreign - Other flows, FR———
inflow2223Hillsborough County, NH1,3622,121$135.0M
outflow2223Hillsborough County, NH1,0591,573$71.5M
outflow2223Other flows - South, DS6711,115$100.6M
inflow2223Other flows - Northeast, DS492766$45.4M
inflow2223Other flows - South, DS486825$41.4M
inflow2223Rockingham County, NH473720$33.9M
outflow2223Other flows - Northeast, DS429633$28.1M
inflow2223Belknap County, NH424651$24.9M
outflow2223Belknap County, NH396677$26.9M
outflow2223Rockingham County, NH384584$41.4M
inflow2223Other flows - West, DS258402$31.4M
outflow2223Other flows - West, DS231335$16.0M
outflow2223Grafton County, NH208301$15.4M
inflow2223Grafton County, NH205309$16.8M
inflow2223Middlesex County, MA177255$19.4M
outflow2223Other flows - Midwest, DS141208$8.0M
inflow2223Strafford County, NH140193$7.5M
outflow2223Strafford County, NH132185$9.3M
outflow2223Middlesex County, MA128160$9.2M
outflow2223Sullivan County, NH121202$11.9M
inflow2223Other flows - Midwest, DS114192$10.7M
inflow2223Essex County, MA112156$11.3M
inflow2223Sullivan County, NH100167$12.4M
outflow2223Suffolk County, MA7982$5.0M
outflow2223Essex County, MA63101$4.8M
inflow2223Worcester County, MA5888$4.3M
outflow2223York County, ME5777$3.5M
outflow2223Carroll County, NH5579$3.5M
inflow2223Cheshire County, NH5575$3.2M
inflow2223Suffolk County, MA5372$10.0M
inflow2223Norfolk County, MA4865$10.0M
outflow2223Cumberland County, ME4455$3.3M
inflow2223York County, ME4053$2.6M
inflow2223Capitol Planning Region, CT3452$4.6M
inflow2223Plymouth County, MA3345$3.9M
outflow2223Worcester County, MA2837$1.7M
outflow2223New York County, NY2829$3.0M
outflow2223Foreign - Other flows, FR2642$1.3M
outflow2223Bristol County, MA2635$1.9M
inflow2223Bristol County, MA2534$1.6M
inflow2223Cumberland County, ME2538$1.3M
outflow2223Chittenden County, VT2334$1.4M
outflow2223Plymouth County, MA2331$1.7M
inflow2223Windsor County, VT2333$2.5M
outflow2223Collier County, FL2240$3.2M
outflow2223Norfolk County, MA2128$1.6M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
inflow2122Hillsborough County, NH1,4642,297$99.6M
outflow2122Hillsborough County, NH1,0831,649$73.1M
outflow2122Other flows - South, DS6981,234$64.2M
inflow2122Other flows - South, DS529915$51.5M
inflow2122Rockingham County, NH511793$41.1M
inflow2122Other flows - Northeast, DS490765$53.3M
outflow2122Other flows - Northeast, DS466719$44.2M
inflow2122Belknap County, NH429724$20.6M
outflow2122Belknap County, NH414706$29.3M
outflow2122Rockingham County, NH374606$28.9M
inflow2122Other flows - West, DS236436$24.0M
outflow2122Other flows - West, DS224317$17.9M
inflow2122Grafton County, NH190278$12.9M
inflow2122Middlesex County, MA178264$34.3M
outflow2122Grafton County, NH178310$13.4M
outflow2122Strafford County, NH175244$9.7M
outflow2122Other flows - Midwest, DS152243$11.5M
inflow2122Strafford County, NH141216$9.4M
outflow2122Sullivan County, NH141231$9.4M
inflow2122Other flows - Midwest, DS120201$11.7M
inflow2122Essex County, MA113194$9.6M
inflow2122Sullivan County, NH113196$10.4M
outflow2122Middlesex County, MA102138$7.3M
inflow2122Suffolk County, MA6578$8.7M
outflow2122Suffolk County, MA5964$5.6M
outflow2122Carroll County, NH5693$3.9M
outflow2122Essex County, MA5567$3.7M
inflow2122Carroll County, NH5590$3.6M
outflow2122Coos County, NH5185$3.7M
outflow2122York County, ME4869$3.8M
inflow2122Norfolk County, MA4878$4.9M
inflow2122Worcester County, MA4772$3.6M
outflow2122Cheshire County, NH4662$2.5M
outflow2122Worcester County, MA4370$4.3M
inflow2122Cheshire County, NH4263$2.5M
inflow2122York County, ME3857$2.7M
outflow2122Cumberland County, ME3451$2.2M
inflow2122Providence County, RI3266$3.0M
inflow2122Coos County, NH3249$1.8M
inflow2122Capitol Planning Region, CT3041$3.0M
inflow2122Plymouth County, MA2750$2.7M
inflow2122Maricopa County, AZ2738$2.5M
outflow2122Norfolk County, MA2739$3.3M
inflow2122Cumberland County, ME2430$1.5M
inflow2122Barnstable County, MA2334$3.5M
inflow2122Suffolk County, NY2332$2.5M
outflow2122Capitol Planning Region, CT2140$1.3M
outflow2122Sarasota County, FL2132$2.4M
inflow2122Los Angeles County, CA2031$3.6M
outflow2021Foreign - Other flows, FR———
inflow2021Foreign - Other flows, FR———
inflow2021Hillsborough County, NH1,5282,485$100.6M
outflow2021Hillsborough County, NH1,0821,646$66.3M
outflow2021Other flows - South, DS6521,128$61.6M
inflow2021Rockingham County, NH522894$39.4M
outflow2021Belknap County, NH508875$32.3M
inflow2021Other flows - South, DS505928$39.2M
inflow2021Belknap County, NH481806$23.3M
outflow2021Other flows - Northeast, DS462707$31.3M
inflow2021Other flows - Northeast, DS454735$57.0M
outflow2021Rockingham County, NH401589$29.9M
inflow2021Other flows - West, DS245445$26.2M
outflow2021Other flows - West, DS236357$16.8M
inflow2021Grafton County, NH226357$15.1M
inflow2021Middlesex County, MA208350$20.8M
outflow2021Grafton County, NH195316$13.6M
inflow2021Strafford County, NH181266$9.0M
outflow2021Strafford County, NH151217$7.3M
outflow2021Sullivan County, NH136226$10.2M
inflow2021Other flows - Midwest, DS133227$13.0M
inflow2021Essex County, MA132208$21.9M
outflow2021Other flows - Midwest, DS120208$8.1M
inflow2021Sullivan County, NH106182$9.7M
outflow2021Middlesex County, MA89125$6.3M
inflow2021Suffolk County, MA85109$12.5M
inflow2021Cheshire County, NH62101$4.1M
outflow2021Carroll County, NH60104$4.9M
inflow2021Worcester County, MA6089$4.0M
outflow2021Cumberland County, ME5376$3.8M
outflow2021Suffolk County, MA5359$4.0M
inflow2021Norfolk County, MA50102$10.4M
outflow2021Coos County, NH4871$2.8M
outflow2021Cheshire County, NH4667$2.6M
inflow2021Carroll County, NH4569$1.9M
outflow2021York County, ME4575$4.3M
outflow2021Essex County, MA4261$2.0M
inflow2021Coos County, NH3544$1.8M
inflow2021Cumberland County, ME2843$2.0M
inflow2021Hartford County, CT2841$2.9M
inflow2021York County, ME2837$1.6M
outflow2021Worcester County, MA2536$1.3M
inflow2021New York County, NY2434$4.0M
outflow2021Maricopa County, AZ2436$1.3M
inflow2021Los Angeles County, CA2334$1.6M
inflow2021Plymouth County, MA2339$2.4M
inflow2021Bristol County, MA2239$3.4M
outflow2021Sarasota County, FL2237$2.3M
inflow2021Chittenden County, VT2132$1.6M
inflow2021Maricopa County, AZ2032$1.4M
outflow2021Chittenden County, VT2033$1.2M
outflow1920Foreign - Other flows, FR———
inflow1920Foreign - Other flows, FR———
inflow1920Hillsborough County, NH1,7332,929$118.1M
outflow1920Hillsborough County, NH1,2061,941$67.5M
outflow1920Other flows - South, DS6051,151$45.0M
inflow1920Rockingham County, NH5881,031$42.4M
outflow1920Belknap County, NH5631,002$31.3M
inflow1920Belknap County, NH470816$23.1M
inflow1920Other flows - South, DS455806$31.1M
inflow1920Other flows - Northeast, DS452831$42.5M
outflow1920Other flows - Northeast, DS440724$39.1M
outflow1920Rockingham County, NH377591$24.1M
inflow1920Other flows - West, DS265421$19.9M
outflow1920Other flows - West, DS235383$17.2M
outflow1920Grafton County, NH214408$14.3M
inflow1920Grafton County, NH193334$12.6M
inflow1920Middlesex County, MA192319$22.5M
inflow1920Sullivan County, NH148240$7.8M
outflow1920Strafford County, NH143255$8.4M
outflow1920Sullivan County, NH136230$10.0M
inflow1920Other flows - Midwest, DS130207$8.0M
inflow1920Strafford County, NH122192$6.4M
outflow1920Other flows - Midwest, DS109198$7.6M
inflow1920Essex County, MA102174$7.1M
outflow1920Middlesex County, MA96151$7.4M
inflow1920Suffolk County, MA6998$7.6M
outflow1920Cheshire County, NH63102$2.9M
outflow1920York County, ME62108$3.5M
outflow1920Carroll County, NH61113$5.0M
outflow1920Essex County, MA5987$4.2M
inflow1920Cheshire County, NH57110$2.5M
outflow1920Suffolk County, MA5563$3.5M
outflow1920Coos County, NH4496$2.2M
outflow1920Cumberland County, ME4059$3.1M
inflow1920Worcester County, MA3856$3.2M
inflow1920Norfolk County, MA3561$4.2M
inflow1920Carroll County, NH3246$1.6M
outflow1920Worcester County, MA3252$1.8M
inflow1920York County, ME3146$2.8M
inflow1920Coos County, NH3047$1.9M
outflow1920Norfolk County, MA3036$1.7M
inflow1920Plymouth County, MA2658$2.7M
inflow1920New York County, NY2430$2.7M
inflow1920Windsor County, VT2439$2.4M
inflow1920Hartford County, CT2336$2.8M
inflow1920Kings County, NY2329$1.7M
inflow1920Bristol County, MA2248$2.1M
inflow1920Cumberland County, ME2032$738K
outflow1920Sarasota County, FL2038$1.6M
outflow1920Lee County, FL2036$2.6M
outflow1819Foreign - Other flows, FR———

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Merrimack County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals709.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals358.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals1,067.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals404,500.0
2023BothNo CharacteristicAll Appraisals426,000.0
2023PurchaseNo CharacteristicAll Appraisals435,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals400,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals416,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals636.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals380,000.0
2022BothNo CharacteristicAll Appraisals1,611.0
2022PurchaseNo CharacteristicAll Appraisals975.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals352,000.0
2021BothNo CharacteristicAll Appraisals2,836.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals1,248.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals1,588.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals360,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals375,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals2,758.0
2020PurchaseNo CharacteristicAll Appraisals1,285.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals320,000.0
2020RefinanceNo CharacteristicAll Appraisals323,000.0
2020RefinanceNo CharacteristicAll Appraisals1,473.0
2020PurchaseNo CharacteristicAll Appraisals315,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals287,000.0
2019PurchaseNo CharacteristicAll Appraisals1,206.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals287,500.0
2019BothNo CharacteristicAll Appraisals2,214.0
2019RefinanceNo CharacteristicAll Appraisals1,008.0
2019PurchaseNo CharacteristicAll Appraisals287,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals266,500.0
2018BothNo CharacteristicAll Appraisals1,763.0
2018PurchaseNo CharacteristicAll Appraisals1,151.0
2018RefinanceNo CharacteristicAll Appraisals612.0
2018BothNo CharacteristicAll Appraisals270,000.0
2018PurchaseNo CharacteristicAll Appraisals273,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals255,500.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals1,910.0
2017PurchaseNo CharacteristicAll Appraisals1,100.0
2017PurchaseNo CharacteristicAll Appraisals268,000.0
2017RefinanceNo CharacteristicAll Appraisals810.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals263,000.0
2016PurchaseNo CharacteristicAll Appraisals968.0
2016RefinanceNo CharacteristicAll Appraisals261,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals258,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals260,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals2,005.0
2016RefinanceNo CharacteristicAll Appraisals1,037.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals247,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals255,000.0
2015BothNo CharacteristicAll Appraisals1,792.0
2015RefinanceNo CharacteristicAll Appraisals951.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals841.0
2015BothNo CharacteristicAll Appraisals250,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals240,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Merrimack County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-0582,22380,2961,9272.3%
2026-0482,90380,7422,1612.6%
2026-0383,61081,4022,2082.6%
2026-0283,14780,7062,4412.9%
2026-0183,50281,0182,4843.0%
2025-1283,17081,0272,1432.6%
2025-1183,41380,9472,4663.0%
2025-0982,63580,2702,3652.9%
2025-0882,97180,5512,4202.9%
2025-0783,05680,7542,3022.8%
2025-0682,85680,5482,3082.8%
2025-0582,26980,1602,1092.6%
2025-0483,12380,9562,1672.6%
2025-0383,63981,1332,5063.0%
2025-0283,37380,8032,5703.1%
2025-0183,74381,3522,3912.9%
2024-1283,37281,4151,9572.3%
2024-1183,53581,4292,1062.5%
2024-1083,54881,6391,9092.3%
2024-0983,29381,4311,8622.2%
2024-0883,61881,4302,1882.6%
2024-0783,67681,4802,1962.6%
2024-0683,50381,5701,9332.3%
2024-0581,85680,3941,4621.8%
2024-0482,59481,0611,5331.9%
2024-0383,57181,7621,8092.2%
2024-0283,17081,2941,8762.3%
2024-0182,92981,1551,7742.1%
2023-1282,04080,5891,4511.8%
2023-1182,32280,8021,5201.8%
2023-1081,98980,4611,5281.9%
2023-0982,01380,2801,7332.1%
2023-0882,25580,4411,8142.2%
2023-0782,67180,9931,6782.0%
2023-0682,56280,9201,6422.0%
2023-0581,60380,1781,4251.7%
2023-0481,68380,4301,2531.5%
2023-0382,02580,4151,6102.0%
2023-0282,47680,6391,8372.2%
2023-0182,36380,3781,9852.4%
2022-1281,64180,0811,5601.9%
2022-1181,69279,9691,7232.1%
2022-1081,79179,9981,7932.2%
2022-0981,32979,4641,8652.3%
2022-0881,78479,8051,9792.4%
2022-0782,07780,2351,8422.2%
2022-0681,74879,9091,8392.2%
2022-0581,03479,4701,5641.9%
2022-0481,09879,5031,5952.0%
2022-0382,00680,1541,8522.3%
2022-0281,81479,9251,8892.3%
2022-0181,40579,2192,1862.7%
2021-1280,22078,7041,5161.9%
2021-1180,28478,6141,6702.1%
2021-1080,00278,1941,8082.3%
2021-0979,79877,6392,1592.7%
2021-0880,41478,0102,4043.0%
2021-0781,07978,3842,6953.3%
2021-0680,61377,7482,8653.6%
2021-0580,00877,4462,5623.2%
2021-0480,51577,6782,8373.5%
2021-0381,22577,9063,3194.1%
2021-0281,24377,8303,4134.2%
2021-0181,35577,7993,5564.4%
2020-1280,86077,6103,2504.0%
2020-1181,80578,4803,3254.1%
2020-1082,02778,5633,4644.2%
2020-0981,57077,3984,1725.1%
2020-0882,47477,7944,6805.7%
2020-0782,48876,4356,0537.3%
2020-0682,28375,4016,8828.4%
2020-0580,83972,5688,27110.2%
2020-0480,22769,13611,09113.8%
2020-0383,42581,0972,3282.8%
2020-0284,67482,5862,0882.5%
2020-0184,46482,2382,2262.6%
2019-1284,69783,0541,6431.9%
2019-1184,43082,7671,6632.0%
2019-1084,39982,7061,6932.0%
2019-0984,08382,2941,7892.1%
2019-0883,96082,0071,9532.3%
2019-0784,31282,4201,8922.2%
2019-0683,88382,0121,8712.2%
2019-0583,59381,7911,8022.2%
2019-0483,60381,7811,8222.2%
2019-0384,68982,4642,2252.6%
2019-0284,73382,4342,2992.7%
2019-0184,19781,7742,4232.9%
2018-1283,67581,9611,7142.0%
2018-1183,55081,9161,6342.0%
2018-1082,93381,3771,5561.9%
2018-0982,84981,1781,6712.0%
2018-0883,03581,1561,8792.3%
2018-0783,93481,9761,9582.3%
2018-0683,31681,3471,9692.4%
2018-0583,12681,3231,8032.2%
2018-0483,05081,1131,9372.3%
2018-0384,16081,8392,3212.8%
2018-0284,24181,8532,3882.8%
2018-0183,56381,2072,3562.8%

BEA Personal Income

2024$12.34B157,869$78K
2023$11.68B157,059$74K
2022$10.96B156,241$70K
2021$10.39B154,627$67K
2020$9.80B154,039$64K
2019$9.11B152,888$60K
2018$8.58B152,124$56K
2017$8.27B151,059$55K
2016$7.99B150,112$53K
2015$7.64B149,497$51K
2014$7.61B148,841$51K
2013$7.63B148,005$52K
2012$7.90B147,461$54K
2011$7.88B147,067$54K
2010$7.90B146,429$54K
2009$7.29B146,723$50K
2008$7.05B147,170$48K
2007$6.96B147,024$47K
2006$6.93B146,609$47K
2005$6.16B145,195$42K
2004$5.92B143,841$41K
2003$5.69B142,548$40K
2002$5.87B140,880$42K
2001$5.71B138,309$41K
2000$4.43B136,576$32K
1999$4.01B134,455$30K
1998$3.82B132,067$29K
1997$3.55B130,236$27K
1996$3.33B128,452$26K
1995$3.19B126,334$25K
1994$3.03B124,109$24K
1993$2.83B122,100$23K
1992$2.73B121,274$23K
1991——$22K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Merrimack County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2023-12-18$5K$4K$449.02Yes
2022-02-13$0——Yes
2021-07-30$4K$4K$0Yes
2021-07-30$34K$34K$0No
2021-07-29$0$0$0Yes
2018-10-01$0——Yes
2018-01-14$0——Yes
2018-01-12$58K$50K$8KNo
2017-10-30$4K$4K$0No
2017-07-25$2K$2K$0No
2016-02-25$0——Yes
2015-11-01$22K$20K$2KYes
2014-10-23$0——Yes
2014-05-30$0——Yes
2014-01-15$0——Yes
2013-07-09$0——No
2013-07-08$10K$10K$0Yes
2011-08-28$2K$2K$0Yes
2011-04-12$0——Yes
2011-03-07$706.9$706.9$0Yes
2011-03-07$5K$5K$0Yes
2011-03-07$21K$21K$0No
2011-03-07$11K$11K$0Yes
2010-03-30$35K$35K$0No
2010-03-30$599.95$599.95$0Yes
2010-03-22$0——No
2010-03-15$4K$4K$0No
2010-03-15$27K$22K$5KYes
2010-03-15$2K$2K$0Yes
2010-03-15$73K$73K$0No
2010-03-15$2K$2K$0Yes
2010-03-14$4K$4K$0Yes
2010-03-14$2K$2K$0Yes
2010-02-26$267K$267K$0No
2010-02-26$0——Yes
2010-02-25$4K$4K$0Yes
2009-02-12$0——No
2008-12-12$0——Yes
2008-09-07$3K$3K$0Yes
2008-09-06$500K$500K$0No
2008-09-06$25K$0$25KNo
2008-09-06$38K$10K$28KNo
2008-08-10$18K$15K$2KYes
2008-07-19$0——Yes
2008-04-06$5K$5K$0Yes
2008-04-05$7K$7K$0Yes
2008-02-13$0——No
2007-07-06$0——No
2007-06-01$2K$2K$0Yes
2007-04-18$0——Yes
2007-04-17$135K$75K$30KYes
2007-04-17$4K$3K$1KYes
2007-04-17$14K$14K$0Yes
2007-04-17$9K$9K$0Yes
2007-04-17$29K$29K$0No
2007-04-16$16K$16K$0Yes
2007-04-16$4K$4K$0No
2007-04-16$14K$11K$3KYes
2007-04-16$10K$10K$0Yes
2007-04-16$3K$3K$0No
2007-04-16$45K$25K$19KYes
2007-04-16$14K$14K$0Yes
2007-04-16$25K$20K$5KYes
2007-04-16$142K$142K$0Yes
2007-04-16$6K$6K$0Yes
2007-04-16$40K$40K$0Yes
2007-04-16$196K$105K$61KYes
2007-04-16$0——Yes
2007-04-16$36K$36K$0No
2007-04-16$67K$45K$10KYes
2007-04-16$6K$6K$0Yes
2007-04-16$14K$14K$0Yes
2007-04-16$43K$43K$0No
2007-04-16$56K$33K$0Yes
2007-04-16$28K$20K$8KYes
2007-04-16$26K$14K$12KYes
2007-04-16$11K$11K$0Yes
2007-04-16$8K$8K$0Yes
2007-04-16$18K$0$18KNo
2007-04-16$4K$4K$0No
2007-04-16$6K$6K$0Yes
2007-04-16$85K$73K$11KYes
2007-04-16$88K$48K$10KYes
2007-04-16$7K$7K$0Yes
2007-04-16$59K$49K$10KYes
2007-04-16$13K$0$13KNo
2007-04-16$2K$2K$0Yes
2007-04-16$25K$25K$0Yes
2007-04-16$41K$41K$0Yes
2007-04-16$45K$45K$0Yes
2007-04-16$5K$5K$0Yes
2007-04-16$70K$40K$0Yes
2007-04-16$2K$2K$0Yes
2007-04-16$0——Yes
2007-04-16$6K$6K$0Yes
2007-04-16$14K$14K$0No
2007-04-16$18K$18K$0Yes
2007-04-16$9K$9K$0Yes
2007-04-16$102K$84K$18KYes
2007-04-16$4K$4K$0No

ALSO CHECKED

18 more data areas were checked for Merrimack County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the NH state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN MERRIMACK COUNTY →Opens the loan explorer already filtered to county FIPS 33013.

See the New Hampshire state market profile for the statewide picture, the New Hampshire state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.