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Key Questions:

    1. Who are the leading lenders in Cheshire, New Hampshire?
    2. The leading lenders, by market share, are Countrywide Bank, Fsb, Wells Fargo Bank, Na and Td Bank, N.A.. Do you have the best rate possible? Find out your credit score or browse
    1. How stretched will home owners in Cheshire, New Hampshire be in paying off their mortgage?
    2. Homeowners in Cheshire, New Hampshire borrowed an average of 1.86 times their annual income for their mortgage. This compares to 1.97 for all of the US. Based on the national average, there will be a normal risk that Cheshire, New Hampshire homeowners will default on their mortgage payments in the coming years.
    1. How likely are the owners of homes in Cheshire, New Hampshire to actually live in them?
    2. 91.2% of home owners in Cheshire, New Hampshire that applied for a mortgage in 2008 live in their homes versus owning them as an investment property. This compares to the national average of 90.0%.
    1. How at risk is Cheshire, New Hampshire to the subprime mortgage crisis?
    2. Loans taken out by home owners in Cheshire, New Hampshire are within a +/- 10 percent band of the national average. That is to say, Cheshire, New Hampshire will likely be affected by the subprime mortgage crisis just like the average county in the US.
2008 Mortgage Research Cheshire New Hampshire US
Total Applications 3,937 78,591 17,391,570
Average Loan $155.7k $195.7k $198.2k
Loan to Income Ratio 1.86 1.98 1.97
Subprime Loans 4.78% 3.49% 4.81%
Refinancing Loans 59.69% 61.40% 52.52%
Principal Dwellings 91.24% 90.60% 90.00%
Rejected Applications 14.50% 12.75% 15.15%

Nearby Counties:   Sullivan, Hillsborough, Merrimack, Belknap, Grafton

NEW HAMPSHIRE Mortgage Rates
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Top Ten Lenders
# Name Share Apps
1 Countrywide Bank, Fsb 9.81% 363
2 Wells Fargo Bank, Na 8.14% 289
3 Td Bank, N.A. 7.27% 429
4 Beneficial Company Llc 6.09% 215
5 Gmac Mortgage Llc 4.63% 141
6 Jpmorgan Chase Bank, Na 3.99% 146
7 Chittenden Trust Company 3.44% 112
8 Citimortgage, Inc 2.78% 86
9 Merrimack Mortgage Company Inc 2.67% 89
10 Phh Mortgage Corporation 2.34% 82