Concord Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Concord averaged
6.7%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.8% and
one month ago for the week of 2025-05-29, the
average rate was 6.92%.
Concord's average rate one year ago was 6.89%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.03%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Concord 30 Year Fixed Rate | 2025-07-03 | 6.7% |
| Concord 30 Year Fixed Rate Refi | 2025-07-03 | 7.03% |
| Concord 15 Year Fixed Rate | 2025-07-03 | 5.9% |
| Concord 15 Year Fixed Rate Refi | 2025-07-03 | 6% |
| Concord 30 Year FHA | 2025-07-03 | -0.07% |
| Concord 30 Year FHA Refi | 2025-07-03 | 0% |
| Concord 30 Year USDA | 2025-07-03 | -0.2% |
| Concord 30 Year USDA Refi | 2025-07-03 | 0.2% |
| Concord 30 Year VA | 2025-07-03 | 0.23% |
| Concord 30 Year VA Refi | 2025-07-03 | -0.2% |
Concord 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 Concord, NH 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.).
Concord Average Closing Costs & Other Stats
Concord, NH's 131 lenders originated 3,194
loans during 2024. The total origination value was $952,180,000, with an average loan value of
$298,115.
Concord's average closing costs are $5,149.
The top Concord lender as defined by loan originations is CMG MORTGAGE, INC., with
247 loans originated. Their average total fees are
$4,686, which is $2,619
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Concord lenders (with over 10 loans originated) are
DIGITAL Federal Credit Union ($3,112), Merrimack County Savings Bank ($4,037), Granite State Credit Union ($4,054), Bar Harbor Bank & Trust ($4,149) and CMG MORTGAGE, INC. ($4,686).
The lowest rate Concord lenders (with over 10 loans originated) are
Mr. Cooper ( Nationstar Mortgage ) (6.32%), QUICKEN LOANS, LLC (6.53%), Citizens Bank (6.61%), ST. MARY'S BANK (6.67%) and HARBORONE MORTGAGE, LLC (6.70%).
Concord, NH 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| CMG MORTGAGE, INC. | $91,730,000 | $128,350,000 | 39.9% | 13.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $36,580,000 | $66,980,000 | 83.1% | 7.0% |
| Service Federal Credit Union | $13,765,000 | $49,260,000 | 257.9% | 5.2% |
| QUICKEN LOANS, LLC | $32,670,000 | $48,230,000 | 47.6% | 5.1% |
| Citizens Bank | $38,400,000 | $41,735,000 | 8.7% | 4.4% |
| Merrimack County Savings Bank | $29,210,000 | $39,410,000 | 34.9% | 4.1% |
| GUILD MORTGAGE COMPANY | $30,150,000 | $34,795,000 | 15.4% | 3.7% |
| ST. MARY'S BANK | $28,670,000 | $32,340,000 | 12.8% | 3.4% |
| EMM LOANS LLC | $11,210,000 | $29,035,000 | 159.0% | 3.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $24,475,000 | $27,925,000 | 14.1% | 2.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $17,110,000 | $24,300,000 | 42.0% | 2.6% |
| TD Bank | $21,215,000 | $19,480,000 | -8.2% | 2.0% |
| Franklin Savings Bank | $7,255,000 | $15,575,000 | 114.7% | 1.6% |
| Bar Harbor Bank & Trust | $19,245,000 | $12,720,000 | -33.9% | 1.3% |
| HARBORONE MORTGAGE, LLC | $19,485,000 | $11,935,000 | -38.7% | 1.3% |
| Mortgage Research Center, LLC | $9,775,000 | $11,700,000 | 19.7% | 1.2% |
| Keystone Funding, Inc. | $2,625,000 | $10,520,000 | 300.8% | 1.1% |
| LOANDEPOT.COM, LLC | $6,335,000 | $10,210,000 | 61.2% | 1.1% |
| MOVEMENT MORTGAGE, LLC | $20,065,000 | $9,615,000 | -52.1% | 1.0% |
| Granite State Credit Union | $5,180,000 | $9,540,000 | 84.2% | 1.0% |
| Mascoma Bank | $16,225,000 | $9,015,000 | -44.4% | 0.9% |
| NORTHEAST CREDIT UNION | $6,510,000 | $8,870,000 | 36.3% | 0.9% |
| NORTHPOINT MORTGAGE, INC. | $3,430,000 | $8,705,000 | 153.8% | 0.9% |
| DIGITAL Federal Credit Union | $6,370,000 | $7,800,000 | 22.4% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $7,310,000 | $7,790,000 | 6.6% | 0.8% |
| Eastern Bank | $14,885,000 | $7,645,000 | -48.6% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $3,735,000 | $7,380,000 | 97.6% | 0.8% |
| Bank of America | $14,045,000 | $7,290,000 | -48.1% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,670,000 | $7,200,000 | 27.0% | 0.8% |
| Enterprise Bank and Trust Company | $1,450,000 | $7,145,000 | 392.8% | 0.8% |
| BELLWETHER COMMUNITY | $7,445,000 | $7,025,000 | -5.6% | 0.7% |
| BERKELEY POINT CAPITAL LLC | $6,930,000 | n/a | 0.7% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,255,000 | $6,750,000 | 437.8% | 0.7% |
| Bangor Savings Bank | $5,760,000 | $6,360,000 | 10.4% | 0.7% |
| EVERETT FINANCIAL, INC. | $4,645,000 | $6,315,000 | 36.0% | 0.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,925,000 | $6,245,000 | 59.1% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $5,515,000 | $5,655,000 | 2.5% | 0.6% |
| GUARANTEED RATE, INC. | $8,235,000 | $5,465,000 | -33.6% | 0.6% |
| Meredith Village Savings Bank | $4,635,000 | $5,215,000 | 12.5% | 0.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,580,000 | $5,005,000 | 94.0% | 0.5% |
| JPMorgan Chase Bank | $4,070,000 | $4,945,000 | 21.5% | 0.5% |
| Waterstone Mortgage Corporation | $3,090,000 | $4,660,000 | 50.8% | 0.5% |
| BROKER SOLUTIONS, INC. | $2,010,000 | $4,615,000 | 129.6% | 0.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,565,000 | $4,425,000 | 182.7% | 0.5% |
| MORTGAGE EQUITY PARTNERS LLC | $1,005,000 | $4,265,000 | 324.4% | 0.4% |
| ENVOY MORTGAGE, LTD | $3,330,000 | $4,255,000 | 27.8% | 0.4% |
| M&T Bank | $2,090,000 | $4,225,000 | 102.2% | 0.4% |
| FIRST MORTGAGE COMPANY, INC. | $2,710,000 | $3,965,000 | 46.3% | 0.4% |
| USAA Federal Savings Bank | $2,660,000 | $3,950,000 | 48.5% | 0.4% |
| TOTAL MORTGAGE SERVICES, LLC | $3,705,000 | $3,570,000 | -3.6% | 0.4% |
| The Provident Bank | $910,000 | $3,215,000 | 253.3% | 0.3% |
| Union Bank | $1,490,000 | $3,175,000 | 113.1% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $6,230,000 | $3,045,000 | -51.1% | 0.3% |
| Wells Fargo Bank | $3,705,000 | $3,045,000 | -17.8% | 0.3% |
| Morgan Stanley Private Bank | $1,180,000 | $2,975,000 | 152.1% | 0.3% |
| Leader Bank | $2,330,000 | $2,960,000 | 27.0% | 0.3% |
| NEWREZ LLC | $2,105,000 | $2,930,000 | 39.2% | 0.3% |
| Carrington Mortgage Services, LLC | $1,325,000 | $2,880,000 | 117.4% | 0.3% |
| Figure Lending LLC | $890,000 | $2,830,000 | 218.0% | 0.3% |
| Salem Co-Operative Bank | $315,000 | $2,505,000 | 695.2% | 0.3% |
| SIS BANCORP, MHC | $2,120,000 | $2,455,000 | 15.8% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $1,685,000 | $2,430,000 | 44.2% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,595,000 | $2,395,000 | 50.2% | 0.3% |
| Farm Credit East, ACA | $710,000 | $2,310,000 | 225.4% | 0.2% |
| RADIUS FINANCIAL GROUP INC. | $2,225,000 | $2,060,000 | -7.4% | 0.2% |
| Northway Bank | $1,255,000 | $1,950,000 | 55.4% | 0.2% |
| AMERICAN FINANCING CORPORATION | $625,000 | $1,840,000 | 194.4% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $655,000 | $1,835,000 | 180.2% | 0.2% |
| EMBRACE HOME LOANS, INC. | $2,680,000 | $1,830,000 | -31.7% | 0.2% |
| JMAC LENDING, INC. | $740,000 | $1,690,000 | 128.4% | 0.2% |
| MEMBERS MORTGAGE COMPANY, INC. | $1,685,000 | n/a | 0.2% | |
| NEW HAMPSHIRE | $1,835,000 | $1,675,000 | -8.7% | 0.2% |
| NEW DAY FINANCIAL, LLC | $715,000 | $1,600,000 | 123.8% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $1,595,000 | $1,550,000 | -2.8% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $765,000 | $1,470,000 | 92.2% | 0.2% |
| The Federal Savings Bank | $590,000 | $1,465,000 | 148.3% | 0.2% |
| Discover Bank | $1,890,000 | $1,375,000 | -27.2% | 0.1% |
| SALEM FIVE MORTGAGE COMPANY, LLC | $1,295,000 | $1,370,000 | 5.8% | 0.1% |
| City National Bank | $1,365,000 | n/a | 0.1% | |
| NBT Bank | $490,000 | $1,345,000 | 174.5% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $610,000 | $1,285,000 | 110.7% | 0.1% |
| Plains Commerce Bank | $720,000 | $1,215,000 | 68.8% | 0.1% |
| The Camden National Bank | $735,000 | $1,215,000 | 65.3% | 0.1% |
| The Loan Store, Inc. | $1,185,000 | n/a | 0.1% | |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | $655,000 | $1,165,000 | 77.9% | 0.1% |
| Members First Credit Union N.H. | $1,520,000 | $1,130,000 | -25.7% | 0.1% |
| U.S. Bank | $2,740,000 | $1,115,000 | -59.3% | 0.1% |
| Holy Rosary Regional Credit Union | $860,000 | $1,085,000 | 26.2% | 0.1% |
| Citadel Servicing Corporation | $1,265,000 | $1,075,000 | -15.0% | 0.1% |
| LENDINGONE, LLC | $1,050,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $195,000 | $1,040,000 | 433.3% | 0.1% |
| Triangle Credit Union | $1,035,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $1,105,000 | $1,020,000 | -7.7% | 0.1% |
| Coastal Community Bank | $765,000 | $930,000 | 21.6% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $155,000 | $930,000 | 500.0% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $425,000 | $925,000 | 117.6% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $910,000 | n/a | 0.1% | |
| ARC HOME LLC | $2,675,000 | $910,000 | -66.0% | 0.1% |
| Northern Bank & Trust Company | $910,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $2,220,000 | $890,000 | -59.9% | 0.1% |
| LENDSURE MORTGAGE CORP. | $950,000 | $890,000 | -6.3% | 0.1% |
| RF Renovo Management Company, LLC | $885,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $680,000 | $855,000 | 25.7% | 0.1% |
| Jeanne D'Arc Credit Union | $1,230,000 | $835,000 | -32.1% | 0.1% |
| NBKC BANK | $245,000 | $835,000 | 240.8% | 0.1% |
| NEW FED MORTGAGE, CORP. | $1,525,000 | $820,000 | -46.2% | 0.1% |
| WESTERLY COMMUNITY | $270,000 | $815,000 | 201.9% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $335,000 | $805,000 | 140.3% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $125,000 | $760,000 | 508.0% | 0.1% |
| UniBank for Savings | $240,000 | $750,000 | 212.5% | 0.1% |
| WEBSTER FIRST Federal Credit Union | $735,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $155,000 | $715,000 | 361.3% | 0.1% |
| Cambridge Trust Company | $695,000 | n/a | 0.1% | |
| Cornerstone National Bank & Trust Company | $695,000 | n/a | 0.1% | |
| MERRIMACK VALLEY | $1,395,000 | $685,000 | -50.9% | 0.1% |
| Evolve Bank & Trust | $265,000 | $680,000 | 156.6% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,110,000 | $645,000 | -41.9% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $615,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $610,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $605,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $585,000 | $595,000 | 1.7% | 0.1% |
| First Federal Bank | $165,000 | $595,000 | 260.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $350,000 | $585,000 | 67.1% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $325,000 | $560,000 | 72.3% | 0.1% |
| NFM, INC. | $555,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $125,000 | $535,000 | 328.0% | 0.1% |
| Farmers Bank & Trust | $535,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $530,000 | n/a | 0.1% | |
| Easthampton Savings Bank | $525,000 | n/a | 0.1% | |
| Ally Bank | $505,000 | $515,000 | 2.0% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,100,000 | $505,000 | -54.1% | 0.1% |
| Commerce Home Mortgage, Inc. | $525,000 | $505,000 | -3.8% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $505,000 | n/a | 0.1% | |
| METRO | $4,605,000 | $505,000 | -89.0% | 0.1% |
| The Cape Cod Five Cents Savings Bank | $505,000 | n/a | 0.1% | |
| Nations Lending Corporation | $195,000 | $485,000 | 148.7% | 0.1% |
| ADVANCIAL | $465,000 | n/a | 0.0% | |
| UBS Bank USA | $445,000 | $455,000 | 2.2% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $435,000 | n/a | 0.0% | |
| Avidia Bank | $425,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $425,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $185,000 | $415,000 | 124.3% | 0.0% |
| Magnolia Bank | $415,000 | n/a | 0.0% | |
| Pentucket Bank | $1,395,000 | $415,000 | -70.3% | 0.0% |
| PLANET HOME LENDING, LLC | $395,000 | $415,000 | 5.1% | 0.0% |
| Workers Credit Union | $330,000 | $415,000 | 25.8% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $840,000 | $405,000 | -51.8% | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | $405,000 | n/a | 0.0% | |
| Quad City Bank and Trust Company | $405,000 | n/a | 0.0% | |
| Rollstone Bank & Trust | $405,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $2,350,000 | $400,000 | -83.0% | 0.0% |
| NEW ENGLAND FEDERAL CREDIT UNION | $595,000 | $395,000 | -33.6% | 0.0% |
| Royal Credit Union | $395,000 | n/a | 0.0% | |
| CIBM Bank | $385,000 | n/a | 0.0% | |
| Institution for Savings in Newburyport and Its Vicinity | $55,000 | $385,000 | 600.0% | 0.0% |
| SIRVA MORTGAGE, INC. | $385,000 | n/a | 0.0% | |
| OCMBC, INC. | $715,000 | $375,000 | -47.6% | 0.0% |
| Profile Bank | $375,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $375,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $325,000 | $365,000 | 12.3% | 0.0% |
| BAY EQUITY LLC | $1,590,000 | $365,000 | -77.0% | 0.0% |
| Berkshire Bank | $2,010,000 | $365,000 | -81.8% | 0.0% |
| GENEVA FINANCIAL, LLC | $580,000 | $365,000 | -37.1% | 0.0% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | $305,000 | $355,000 | 16.4% | 0.0% |
| Charles Schwab Bank, SSB | $755,000 | $345,000 | -54.3% | 0.0% |
| UNITED MORTGAGE CORP | $345,000 | n/a | 0.0% | |
| Winchester Co-operative Bank | $345,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $355,000 | $345,000 | -2.8% | 0.0% |
| AMWEST FUNDING CORP. | $325,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $935,000 | $325,000 | -65.2% | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | $325,000 | n/a | 0.0% | |
| HANSCOM | $850,000 | $315,000 | -62.9% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $895,000 | $315,000 | -64.8% | 0.0% |
| Salem Five Cents Savings Bank | $210,000 | $315,000 | 50.0% | 0.0% |
| Eagle Bank | $305,000 | n/a | 0.0% | |
| First Seacoast Bank | $600,000 | $305,000 | -49.2% | 0.0% |
| Fidelity Co-operative Bank | $290,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $285,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $585,000 | $280,000 | -52.1% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $275,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $690,000 | $270,000 | -60.9% | 0.0% |
| POLARIS HOME FUNDING CORP. | $245,000 | $265,000 | 8.2% | 0.0% |
| OAKTREE FUNDING CORP. | $255,000 | $255,000 | 0.0% | 0.0% |
| North Shore Bank, a Co-operative Bank | $860,000 | $245,000 | -71.5% | 0.0% |
| PNC Bank | $2,380,000 | $245,000 | -89.7% | 0.0% |
| Raymond James Bank | $305,000 | $235,000 | -23.0% | 0.0% |
| The Huntington National Bank | $910,000 | $235,000 | -74.2% | 0.0% |
| Fall River Five Cents Savings Bank | $225,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $225,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $215,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $310,000 | $195,000 | -37.1% | 0.0% |
| Texana Bank | $175,000 | n/a | 0.0% | |
| HARVARD UNIVERSITY EMPLOYEES | $170,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $165,000 | n/a | 0.0% | |
| BayCoast Bank | $300,000 | $150,000 | -50.0% | 0.0% |
| MSA MORTGAGE, LLC | $125,000 | n/a | 0.0% | |
| ONE Credit Union | $290,000 | $115,000 | -60.3% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $145,000 | $85,000 | -41.4% | 0.0% |
| Norway Savings Bank | $75,000 | n/a | 0.0% | |
| Cambridge Savings Bank | $65,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $285,000 | $55,000 | -80.7% | 0.0% |
| Haverhill Bank | $365,000 | $25,000 | -93.2% | 0.0% |
Concord's top lender by overall market share is CMG MORTGAGE, INC., with 13.5% market share. In second place, with 7.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $66,980,000 in loans. In third place, with 5.2%, is Service Federal Credit Union, having originated $49,260,000 in loans. In fourth place, with 5.1%, is QUICKEN LOANS, LLC, having originated $48,230,000 in loans. In fifth place, with 4.4%, is Citizens Bank, having originated $41,735,000 in loans.
Concord, NH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,578 | $627,870,000 | $397,890 |
| Cash Out Refi | 459 | $123,085,000 | $268,159 |
| Home Improvement | 441 | $57,555,000 | $130,510 |
| Other | 381 | $44,545,000 | $116,916 |
| Refi | 335 | $99,125,000 | $295,896 |
Concord's most frequently cited loan purpose was Home Purchase, with 1,578 originations. The 2nd most popular reason was Cash Out Refi, with 459 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,188 | $440,810,000 | $371,052 |
| Over 8% | 815 | $121,475,000 | $149,049 |
| 7-8% | 719 | $217,905,000 | $303,067 |
| 5-6% | 355 | $136,805,000 | $385,366 |
| 4-5% | 22 | $7,680,000 | $349,091 |
| <2.5% | 17 | $635,000 | $37,353 |
| 3-4% | 2 | $360,000 | $180,000 |
| 2.5-3% | 2 | $530,000 | $265,000 |
During 2024, Concord's most frequently originated rate bucket was 6-7%, with 1,188 originations.
Loan Sizing (Concord, NH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,235 | $372,945,000 | $301,980 |
| $100,000 or less | 646 | $36,200,000 | $56,037 |
| $400k-600k | 593 | $283,515,000 | $478,103 |
| $100k-200k | 556 | $77,820,000 | $139,964 |
| $600k-1000k | 132 | $92,490,000 | $700,682 |
| $Over $1MM | 32 | $89,210,000 | $2,787,813 |
Concord's loan sizing saw the bucket of loans from $200k-400k with 1,235 originations, totaling $372,945,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 915 | $368,085,000 | $402,279 |
| 60-80% | 710 | $282,010,000 | $397,197 |
| Under 20% | 620 | $42,400,000 | $68,387 |
| 20-40% | 476 | $74,550,000 | $156,618 |
| 40-60% | 352 | $98,540,000 | $279,943 |
| Over 100% | 23 | $13,165,000 | $572,391 |
Concord's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 915 originations, totaling $368,085,000 in origination value.