Concord Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Concord averaged 6.7% for the week of 2024-07-18, compared to the national average of 6.77% for the same period.

The average rate for the prior week (2024-07-11) was 7.02% and one month ago for the week of 2024-06-13, the average rate was 6.88%.

Concord's average rate one year ago was 7.19%.

For refis of the same type during the week of 2024-07-18, the average rate was 6.96%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-07-18 6.77%
Concord 30 Year Fixed Rate 2024-07-18 6.7%
Concord 30 Year Fixed Rate Refi 2024-07-18 6.96%
Concord 15 Year Fixed Rate 2024-07-18 5.85%
Concord 15 Year Fixed Rate Refi 2024-07-18 6.65%
Concord 30 Year FHA 2024-07-18 6.54%
Concord 30 Year FHA Refi 2024-07-18 6.49%
Concord 30 Year USDA 2024-07-18 6.63%
Concord 30 Year USDA Refi 2024-07-18 6.83%
Concord 30 Year VA 2024-07-18 6.24%
Concord 30 Year VA Refi 2024-07-18 6.5%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Concord, NH.

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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
CMG MORTGAGE, INC. 188 6.73% $4,919
UNITED WHOLESALE MORTGAGE, LLC 78 7.02% $6,541
QUICKEN LOANS, LLC 62 6.72% $8,177
GUILD MORTGAGE COMPANY 57 6.86% $5,489
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 50 6.88% $5,421
ST. MARY'S BANK 43 6.49% $3,866
MOVEMENT MORTGAGE, LLC 42 6.97% $6,108
HARBORONE MORTGAGE, LLC 39 6.91% $5,245
Merrimack County Savings Bank 30 6.98% $4,551
CROSSCOUNTRY MORTGAGE, LLC 28 6.99% $6,345
Bar Harbor Bank & Trust 27 6.15% $4,338
EMM LOANS LLC 25 7.11% $5,580
Citizens Bank 22 6.68% $4,674
Mascoma Bank 21 6.65% $4,193
GUARANTEED RATE, INC. 17 6.71% $5,070
TD Bank 15 6.16% $4,328
American Mortgage & Equity Consultants, Inc. 12 6.68% $6,372
LOANDEPOT.COM, LLC 12 6.82% $7,575
Bank of New Hampshire 10 7.18% $4,569
BELLWETHER COMMUNITY 10 6.64% $4,221
JPMorgan Chase Bank 10 6.51% $5,386
NORTHEAST CREDIT UNION 9 6.60% $4,112
Mr. Cooper ( Nationstar Mortgage ) 9 6.98% $10,858
Service Federal Credit Union 8 6.28% $3,985
ENVOY MORTGAGE, LTD 8 7.22% $7,211
PRIMELENDING, A PLAINSCAPITAL COMPANY 8 7.08% $8,791
Waterstone Mortgage Corporation 8 7.39% $7,611
EMBRACE HOME LOANS, INC. 7 6.89% $5,990
DIGITAL Federal Credit Union 7 6.66% $4,541
TOTAL MORTGAGE SERVICES, LLC 7 6.79% $6,394
EVERETT FINANCIAL, INC. 7 7.39% $7,554
ARK-LA-TEX FINANCIAL SERVICES, LLC. 7 6.89% $3,988
Bank of America 7 6.45% $8,912
RADIUS FINANCIAL GROUP INC. 6 7.50% $4,404
NORTHPOINT MORTGAGE, INC. 6 6.67% $5,933
PENNYMAC LOAN SERVICES, LLC 6 6.75% $5,073
NEW FED MORTGAGE, CORP. 5 7.35% $5,249
ARC HOME LLC 5 7.42% $7,484
Meredith Village Savings Bank 5 7.05% $5,034
Wells Fargo Bank 5 6.85% $4,676
Keystone Funding, Inc. 5 7.43% $7,470
NAVY FEDERAL CREDIT UNION 5 6.65% $3,394
Leader Bank 4 6.50% $4,392
MERRIMACK VALLEY 4 5.66% $3,115
AMERISAVE MORTGAGE CORPORATION 4 6.59% $8,734
Granite State Credit Union 4 6.75% $3,002
M&T Bank 4 7.13% $4,669
NATIONS RELIABLE LENDING, LLC 3 6.58% $5,869
FIRST MORTGAGE COMPANY, INC. 3 6.63% $5,534
First Savings Bank 3 6.54% $6,072
Union Bank 3 6.50% $4,245
GUARANTEED RATE AFFINITY, LLC 3 7.14% $4,860
Holy Rosary Regional Credit Union 3 6.63% $3,030
Paramount Residential Mortgage Group, Inc. 3 6.67% $7,293
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 7.25% $3,845
SALEM FIVE MORTGAGE COMPANY, LLC 3 6.08% $4,410
Home Loan Investment Bank, F.S.B. 2 6.94% $4,918
Bank of England 2 7.38% $6,592
FREEDOM MORTGAGE CORPORATION 2 6.75% $12,464
LENDSURE MORTGAGE CORP. 2 8.62% $11,426
CHURCHILL MORTGAGE CORPORATION 2 6.43% $4,610
RELIANCE FIRST CAPITAL, LLC 2 6.69% $6,530
Northway Bank 2 6.88% $5,485
AMERICAN FINANCIAL NETWORK, INC. 2 7.50% $16,564
North Shore Bank, a Co-operative Bank 2 6.75% $3,551
Bangor Savings Bank 2 6.63% $4,399
U.S. Bank 2 6.31% $8,693
USAA Federal Savings Bank 2 7.44% $4,403
Morgan Stanley Private Bank 2 5.65% $3,743
MORTGAGE EQUITY PARTNERS LLC 2 6.81% $7,664
Berkshire Bank 2 5.25% $6,062
Northpointe Bank 2 6.63% $3,166
Enterprise Bank and Trust Company 2 6.43% $4,258
Flagstar Bank, FSB 2 6.75% $6,910
BETTER MORTGAGE CORPORATION 2 6.19% $2,383
SIS BANCORP, MHC 2 7.88% $3,470
BROKER SOLUTIONS, INC. 2 7.18% $12,332
The Huntington National Bank 2 6.13% $4,373
Farm Credit East, ACA 2 7.65% $6,239
NORTHEAST HOME LOAN, LLC 2 6.81% $11,455
HOMESIDE FINANCIAL, LLC 2 6.81% $6,731
JMAC LENDING, INC. 2 7.06% $9,595
PNC Bank 2 7.00% $5,196
ZILLOW HOME LOANS, LLC 1 7.13% $7,908
Ally Bank 1 6.38% $3,116
AMERICAN FINANCING CORPORATION 1 7.13% $5,647
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.50% $6,075
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.13% $8,428
BAYCOAST MORTGAGE COMPANY, LLC 1 5.13% $3,706
BAY EQUITY LLC 1 6.49% $4,688
CENTRAL ONE FEDERAL CREDIT UNION 1 5.87% $3,063
Charles Schwab Bank, SSB 1 6.45% $3,863
Citibank 1 6.88% $6,623
Evolve Bank & Trust 1 7.63% $4,466
Freedom Credit Union 1 4.75% $3,434
GENEVA FINANCIAL, LLC 1 7.38% $7,009
HANSCOM 1 5.50% $2,945
Jeanne D'Arc Credit Union 1 5.50% $4,433
LEADERONE FINANCIAL CORPORATION 1 6.50% $8,645
LOGIX FEDERAL CREDIT UNION 1 5.38% $3,381
MAYO EMPLOYEES FEDERAL CREDIT UNION 1 6.75% $7,465
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 7.13% $7,683
Mortgage Research Center, LLC 1 6.99% $3,216
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.13% $3,891
Navigant Credit Union 1 6.75% $3,977
NBKC BANK 1 6.50% $4,871
NBT Bank 1 6.88% $2,885
NEW ENGLAND FEDERAL CREDIT UNION 1 6.63% $3,080
North American Savings Bank, F.S.B. 1 8.00% $6,420
OAKTREE FUNDING CORP. 1 7.38% $5,605
Plains Commerce Bank 1 7.13% $4,910
PLAZA HOME MORTGAGE, INC. 1 7.50% $8,401
Presidential Bank, FSB 1 6.99% $5,876
Prosperity Home Mortgage, LLC 1 6.88% $12,426
PROVINCE MORTGAGE ASSOCIATES, INC. 1 8.25% $3,924
Raymond James Bank 1 5.50% $3,098
Rockland Trust Company 1 5.99% $4,095
RTN FEDERAL CREDIT UNION 1 5.75% $2,417
RUOFF MORTGAGE COMPANY, INC. 1 6.75% $4,321
Sierra Pacific Mortgage Company, Inc. 1 7.63% $4,294
The Camden National Bank 1 6.75% $3,194
The Central Trust Bank 1 6.62% $1,780
TOWER 1 6.75% $3,993
UBS Bank USA 1 6.50% $3,491
WASHINGTON TRUST MORTGAGE COMPANY LLC 1 6.00% $4,317
21ST MORTGAGE CORPORATION 1 9.40% $4,843

Concord Average Closing Costs & Other Stats

Concord, NH's 126 lenders originated 2,840 loans during 2023. The total origination value was $804,920,000, with an average loan value of $283,423.

Concord's average closing costs are $4,952.

The top Concord lender as defined by loan originations is CMG MORTGAGE, INC., with 188 loans originated. Their average total fees are $4,919, which is $1,623 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Concord lenders (with over 10 loans originated) are ST. MARY'S BANK ($3,866), Mascoma Bank ($4,193), BELLWETHER COMMUNITY ($4,221), TD Bank ($4,328) and Bar Harbor Bank & Trust ($4,338).

The lowest rate Concord lenders (with over 10 loans originated) are Bar Harbor Bank & Trust (6.15%), TD Bank (6.16%), ST. MARY'S BANK (6.49%), JPMorgan Chase Bank (6.51%) and BELLWETHER COMMUNITY (6.64%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
CMG MORTGAGE, INC. $98,600,000 $91,730,000 -7.0% 11.4%
Citizens Bank $67,120,000 $38,400,000 -42.8% 4.8%
UNITED WHOLESALE MORTGAGE, LLC $63,080,000 $36,580,000 -42.0% 4.5%
QUICKEN LOANS, LLC $60,510,000 $32,670,000 -46.0% 4.1%
GUILD MORTGAGE COMPANY $49,300,000 $30,150,000 -38.8% 3.7%
Merrimack County Savings Bank $51,660,000 $29,210,000 -43.5% 3.6%
ST. MARY'S BANK $42,605,000 $28,670,000 -32.7% 3.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $30,610,000 $24,475,000 -20.0% 3.0%
WALKER & DUNLOP, LLC $24,015,000 n/a 3.0%
TD Bank $21,170,000 $21,215,000 0.2% 2.6%
MOVEMENT MORTGAGE, LLC $14,155,000 $20,065,000 41.8% 2.5%
HARBORONE MORTGAGE, LLC $28,820,000 $19,485,000 -32.4% 2.4%
Bar Harbor Bank & Trust $23,865,000 $19,245,000 -19.4% 2.4%
Community Bank $17,305,000 n/a 2.1%
CROSSCOUNTRY MORTGAGE, LLC $15,045,000 $17,110,000 13.7% 2.1%
Mascoma Bank $47,710,000 $16,225,000 -66.0% 2.0%
Eastern Bank $4,660,000 $14,885,000 219.4% 1.8%
Bank of America $13,535,000 $14,045,000 3.8% 1.7%
Service Federal Credit Union $26,330,000 $13,765,000 -47.7% 1.7%
EMM LOANS LLC $17,425,000 $11,210,000 -35.7% 1.4%
Mortgage Research Center, LLC $16,820,000 $9,775,000 -41.9% 1.2%
GUARANTEED RATE, INC. $9,725,000 $8,235,000 -15.3% 1.0%
BELLWETHER COMMUNITY $15,945,000 $7,445,000 -53.3% 0.9%
NAVY FEDERAL CREDIT UNION $8,380,000 $7,310,000 -12.8% 0.9%
Franklin Savings Bank $14,605,000 $7,255,000 -50.3% 0.9%
NORTHEAST CREDIT UNION $9,045,000 $6,510,000 -28.0% 0.8%
DIGITAL Federal Credit Union $8,800,000 $6,370,000 -27.6% 0.8%
LOANDEPOT.COM, LLC $16,610,000 $6,335,000 -61.9% 0.8%
American Mortgage & Equity Consultants, Inc. $8,675,000 $6,230,000 -28.2% 0.8%
Bank of New Hampshire $21,915,000 $5,815,000 -73.5% 0.7%
Bangor Savings Bank $9,940,000 $5,760,000 -42.1% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $13,135,000 $5,670,000 -56.8% 0.7%
PENNYMAC LOAN SERVICES, LLC $10,045,000 $5,515,000 -45.1% 0.7%
Granite State Credit Union $9,530,000 $5,180,000 -45.6% 0.6%
EVERETT FINANCIAL, INC. $6,930,000 $4,645,000 -33.0% 0.6%
Meredith Village Savings Bank $10,270,000 $4,635,000 -54.9% 0.6%
METRO $4,605,000 n/a 0.6%
JPMorgan Chase Bank $11,570,000 $4,070,000 -64.8% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $7,805,000 $3,925,000 -49.7% 0.5%
FREEDOM MORTGAGE CORPORATION $6,740,000 $3,735,000 -44.6% 0.5%
TOTAL MORTGAGE SERVICES, LLC $3,670,000 $3,705,000 1.0% 0.5%
Wells Fargo Bank $11,870,000 $3,705,000 -68.8% 0.5%
NORTHPOINT MORTGAGE, INC. $7,455,000 $3,430,000 -54.0% 0.4%
ENVOY MORTGAGE, LTD $7,820,000 $3,330,000 -57.4% 0.4%
Rockland Trust Company $530,000 $3,155,000 495.3% 0.4%
Waterstone Mortgage Corporation $3,620,000 $3,090,000 -14.6% 0.4%
U.S. Bank $1,890,000 $2,740,000 45.0% 0.3%
FIRST MORTGAGE COMPANY, INC. $1,340,000 $2,710,000 102.2% 0.3%
EMBRACE HOME LOANS, INC. $825,000 $2,680,000 224.8% 0.3%
ARC HOME LLC $2,580,000 $2,675,000 3.7% 0.3%
USAA Federal Savings Bank $3,220,000 $2,660,000 -17.4% 0.3%
Keystone Funding, Inc. $2,625,000 n/a 0.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $185,000 $2,580,000 1,294.6% 0.3%
PNC Bank $3,110,000 $2,380,000 -23.5% 0.3%
Flagstar Bank, FSB $2,870,000 $2,350,000 -18.1% 0.3%
Leader Bank $2,705,000 $2,330,000 -13.9% 0.3%
RADIUS FINANCIAL GROUP INC. $2,760,000 $2,225,000 -19.4% 0.3%
AMERISAVE MORTGAGE CORPORATION $7,160,000 $2,220,000 -69.0% 0.3%
SIS BANCORP, MHC $3,455,000 $2,120,000 -38.6% 0.3%
NEWREZ LLC $4,225,000 $2,105,000 -50.2% 0.3%
M&T Bank $2,115,000 $2,090,000 -1.2% 0.3%
Berkshire Bank $580,000 $2,010,000 246.6% 0.2%
BROKER SOLUTIONS, INC. $4,945,000 $2,010,000 -59.4% 0.2%
Discover Bank $1,495,000 $1,890,000 26.4% 0.2%
Paramount Residential Mortgage Group, Inc. $1,400,000 $1,885,000 34.6% 0.2%
NEW HAMPSHIRE $5,115,000 $1,835,000 -64.1% 0.2%
GUARANTEED RATE AFFINITY, LLC $2,290,000 $1,685,000 -26.4% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,825,000 $1,595,000 -12.6% 0.2%
RELIANCE FIRST CAPITAL, LLC $2,725,000 $1,595,000 -41.5% 0.2%
BAY EQUITY LLC $2,000,000 $1,590,000 -20.5% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $2,845,000 $1,565,000 -45.0% 0.2%
NEW FED MORTGAGE, CORP. $3,335,000 $1,525,000 -54.3% 0.2%
Members First Credit Union N.H. $1,335,000 $1,520,000 13.9% 0.2%
Union Bank $705,000 $1,490,000 111.3% 0.2%
Enterprise Bank and Trust Company $20,395,000 $1,450,000 -92.9% 0.2%
MERRIMACK VALLEY $520,000 $1,395,000 168.3% 0.2%
Pentucket Bank $1,230,000 $1,395,000 13.4% 0.2%
Carrington Mortgage Services, LLC $1,505,000 $1,325,000 -12.0% 0.2%
SALEM FIVE MORTGAGE COMPANY, LLC $2,435,000 $1,295,000 -46.8% 0.2%
Citadel Servicing Corporation $1,265,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $2,005,000 $1,255,000 -37.4% 0.2%
Northway Bank $10,980,000 $1,255,000 -88.6% 0.2%
Jeanne D'Arc Credit Union $1,315,000 $1,230,000 -6.5% 0.2%
NORTHEAST HOME LOAN, LLC $185,000 $1,205,000 551.4% 0.1%
Morgan Stanley Private Bank $5,070,000 $1,180,000 -76.7% 0.1%
BETTER MORTGAGE CORPORATION $285,000 $1,110,000 289.5% 0.1%
Equity Prime Mortgage LLC $580,000 $1,105,000 90.5% 0.1%
21ST MORTGAGE CORPORATION $1,115,000 $1,100,000 -1.3% 0.1%
Citibank $2,160,000 $1,085,000 -49.8% 0.1%
MORTGAGE EQUITY PARTNERS LLC $1,300,000 $1,005,000 -22.7% 0.1%
Bank of England $285,000 $990,000 247.4% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $980,000 n/a 0.1%
LENDSURE MORTGAGE CORP. $950,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $4,975,000 $935,000 -81.2% 0.1%
The Huntington National Bank $910,000 n/a 0.1%
The Provident Bank $910,000 n/a 0.1%
NATIONS RELIABLE LENDING, LLC $235,000 $895,000 280.9% 0.1%
Figure Lending LLC $2,180,000 $890,000 -59.2% 0.1%
Prosperity Home Mortgage, LLC $885,000 n/a 0.1%
Holy Rosary Regional Credit Union $860,000 n/a 0.1%
North Shore Bank, a Co-operative Bank $325,000 $860,000 164.6% 0.1%
HANSCOM $1,680,000 $850,000 -49.4% 0.1%
HOMESIDE FINANCIAL, LLC $1,280,000 $840,000 -34.4% 0.1%
Coastal Community Bank $765,000 n/a 0.1%
LAKEVIEW LOAN SERVICING, LLC $3,810,000 $765,000 -79.9% 0.1%
Charles Schwab Bank, SSB $1,820,000 $755,000 -58.5% 0.1%
JMAC LENDING, INC. $740,000 n/a 0.1%
The Camden National Bank $565,000 $735,000 30.1% 0.1%
Plains Commerce Bank $720,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $1,340,000 $715,000 -46.6% 0.1%
OCMBC, INC. $715,000 n/a 0.1%
Farm Credit East, ACA $245,000 $710,000 189.8% 0.1%
SPRING EQ, LLC $990,000 $690,000 -30.3% 0.1%
PENTAGON FEDERAL CREDIT UNION $1,155,000 $680,000 -41.1% 0.1%
VILLAGE CAPITAL MORTGAGE $175,000 $655,000 274.3% 0.1%
WASHINGTON TRUST MORTGAGE COMPANY LLC $440,000 $655,000 48.9% 0.1%
CENTRAL ONE FEDERAL CREDIT UNION $85,000 $645,000 658.8% 0.1%
First Savings Bank $645,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $1,375,000 $625,000 -54.5% 0.1%
NATIONS DIRECT MORTGAGE, LLC $610,000 n/a 0.1%
First Seacoast Bank $440,000 $600,000 36.4% 0.1%
NEW ENGLAND FEDERAL CREDIT UNION $530,000 $595,000 12.3% 0.1%
The Federal Savings Bank $2,975,000 $590,000 -80.2% 0.1%
Barrington Bank & Trust Company, N.A. $610,000 $585,000 -4.1% 0.1%
Home Loan Investment Bank, F.S.B. $180,000 $585,000 225.0% 0.1%
The Central Trust Bank $1,610,000 $585,000 -63.7% 0.1%
GENEVA FINANCIAL, LLC $605,000 $580,000 -4.1% 0.1%
Northpointe Bank $420,000 $550,000 31.0% 0.1%
GFA Federal Credit Union $545,000 n/a 0.1%
The Washington Trust Company, of Westerly $205,000 $540,000 163.4% 0.1%
Commerce Home Mortgage, Inc. $525,000 n/a 0.1%
Ally Bank $135,000 $505,000 274.1% 0.1%
Mortgage Assurance Inc. $235,000 $500,000 112.8% 0.1%
NBT Bank $26,595,000 $490,000 -98.2% 0.1%
Princeton Mortgage Corporation $480,000 n/a 0.1%
BAYCOAST MORTGAGE COMPANY, LLC $2,495,000 $475,000 -81.0% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $1,010,000 $465,000 -54.0% 0.1%
Ixonia Bank $465,000 n/a 0.1%
UBS Bank USA $1,050,000 $445,000 -57.6% 0.1%
MAYO EMPLOYEES FEDERAL CREDIT UNION $435,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $1,985,000 $425,000 -78.6% 0.1%
TOWER $335,000 $405,000 20.9% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $670,000 $395,000 -41.0% 0.0%
PLANET HOME LENDING, LLC $690,000 $395,000 -42.8% 0.0%
WILLIAM RAVEIS MORTGAGE, LLC $385,000 n/a 0.0%
Haverhill Bank $825,000 $365,000 -55.8% 0.0%
ZILLOW HOME LOANS, LLC $915,000 $355,000 -61.2% 0.0%
CHURCHILL MORTGAGE CORPORATION $260,000 $350,000 34.6% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $335,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $830,000 $335,000 -59.6% 0.0%
Reading Co-Operative Bank $335,000 n/a 0.0%
Workers Credit Union $305,000 $330,000 8.2% 0.0%
AMERICAN HERITAGE LENDING, INC. $325,000 n/a 0.0%
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $325,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $325,000 n/a 0.0%
Salem Co-Operative Bank $2,050,000 $315,000 -84.6% 0.0%
USAlliance Federal Credit Union $245,000 $310,000 26.5% 0.0%
LOGIX FEDERAL CREDIT UNION $125,000 $305,000 144.0% 0.0%
PROVINCE MORTGAGE ASSOCIATES, INC. $305,000 n/a 0.0%
Raymond James Bank $305,000 n/a 0.0%
BayCoast Bank $260,000 $300,000 15.4% 0.0%
Freedom Credit Union $295,000 n/a 0.0%
Newburyport Five Cents Savings Bank $560,000 $295,000 -47.3% 0.0%
ONE Credit Union $135,000 $290,000 114.8% 0.0%
Bethpage Federal Credit Union $285,000 n/a 0.0%
Navigant Credit Union $335,000 $285,000 -14.9% 0.0%
Wyndham Capital Mortgage, Inc. $1,770,000 $285,000 -83.9% 0.0%
WESTERLY COMMUNITY $250,000 $270,000 8.0% 0.0%
Evolve Bank & Trust $1,320,000 $265,000 -79.9% 0.0%
Presidential Bank, FSB $265,000 n/a 0.0%
SUMMIT FUNDING, INC. $265,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $255,000 n/a 0.0%
OAKTREE FUNDING CORP. $255,000 n/a 0.0%
NBKC BANK $1,265,000 $245,000 -80.6% 0.0%
POLARIS HOME FUNDING CORP. $135,000 $245,000 81.5% 0.0%
UniBank for Savings $240,000 n/a 0.0%
Peoples Bank $225,000 n/a 0.0%
HarborOne Bank $410,000 $220,000 -46.3% 0.0%
HOMEXPRESS MORTGAGE CORP. $215,000 n/a 0.0%
North American Savings Bank, F.S.B. $820,000 $215,000 -73.8% 0.0%
Salem Five Cents Savings Bank $910,000 $210,000 -76.9% 0.0%
The People's Credit Union $205,000 n/a 0.0%
Century Mortgage Company DBA Century Lending Company $1,280,000 $195,000 -84.8% 0.0%
Nations Lending Corporation $765,000 $195,000 -74.5% 0.0%
Tewksbury Federal Credit Union $195,000 n/a 0.0%
Hometown Equity Mortgage, LLC $285,000 $185,000 -35.1% 0.0%
GREENWOOD $305,000 $180,000 -41.0% 0.0%
Signature Federal Credit Union $170,000 n/a 0.0%
First Federal Bank $165,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $205,000 $155,000 -24.4% 0.0%
LONGBRIDGE FINANCIAL, LLC $155,000 n/a 0.0%
PHH Mortgage Corporation $1,175,000 $155,000 -86.8% 0.0%
FINANCE OF AMERICA REVERSE LLC $910,000 $145,000 -84.1% 0.0%
RTN FEDERAL CREDIT UNION $135,000 n/a 0.0%
A&D Mortgage LLC $125,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $1,505,000 $125,000 -91.7% 0.0%
ALIGN CREDIT UNION $200,000 $115,000 -42.5% 0.0%
Brookline Bank $510,000 $115,000 -77.5% 0.0%
TOGETHER CREDIT UNION $415,000 $80,000 -80.7% 0.0%
EASTMAN $75,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $65,000 n/a 0.0%
Institution for Savings in Newburyport and Its Vicinity $155,000 $55,000 -64.5% 0.0%
Lakeview Community Capital, LLC $410,000 $50,000 -87.8% 0.0%
NESC $25,000 n/a 0.0%

Concord's top lender by overall market share is CMG MORTGAGE, INC., with 11.4% market share. In second place, with 4.8%, is Citizens Bank, having originated $38,400,000 in loans. In third place, with 4.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $36,580,000 in loans. In fourth place, with 4.1%, is QUICKEN LOANS, LLC, having originated $32,670,000 in loans. In fifth place, with 3.7%, is GUILD MORTGAGE COMPANY, having originated $30,150,000 in loans.

Concord, NH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,435 $559,155,000 $389,655
Home Improvement 475 $49,725,000 $104,684
Cash Out Refi 397 $86,925,000 $218,955
Other 303 $33,715,000 $111,271
Refi 230 $75,400,000 $327,826

Concord's most frequently cited loan purpose was Home Purchase, with 1,435 originations. The 2nd most popular reason was Home Improvement, with 475 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 934 $320,460,000 $343,105
7-8% 780 $218,870,000 $280,603
Over 8% 577 $75,355,000 $130,598
5-6% 406 $145,160,000 $357,537
4-5% 39 $11,495,000 $294,744
3-4% 31 $3,515,000 $113,387
<2.5% 10 $300,000 $30,000
2.5-3% 1 $355,000 $355,000

During 2023, Concord's most frequently originated rate bucket was 6-7%, with 934 originations.

Loan Sizing (Concord, NH MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,122 $331,740,000 $295,668
$100,000 or less 645 $35,315,000 $54,752
$100k-200k 559 $78,295,000 $140,063
$400k-600k 392 $184,740,000 $471,276
$600k-1000k 98 $69,620,000 $710,408
$Over $1MM 24 $105,210,000 $4,383,750

Concord's loan sizing saw the bucket of loans from $200k-400k with 1,122 originations, totaling $331,740,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 832 $316,670,000 $380,613
60-80% 598 $213,820,000 $357,559
Under 20% 571 $33,225,000 $58,187
20-40% 441 $61,145,000 $138,651
40-60% 311 $122,875,000 $395,096
Over 100% 23 $24,785,000 $1,077,609

Concord's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 832 originations, totaling $316,670,000 in origination value.