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 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%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
CMG MORTGAGE, INC. 247 6.83% $4,686
UNITED WHOLESALE MORTGAGE, LLC 97 6.77% $7,305
QUICKEN LOANS, LLC 77 6.53% $8,507
GUILD MORTGAGE COMPANY 74 6.74% $5,717
EMM LOANS LLC 55 6.97% $5,485
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 48 6.81% $5,439
Merrimack County Savings Bank 44 6.81% $4,037
CROSSCOUNTRY MORTGAGE, LLC 38 6.95% $5,647
ST. MARY'S BANK 33 6.67% $4,849
HARBORONE MORTGAGE, LLC 28 6.70% $5,706
MOVEMENT MORTGAGE, LLC 22 6.95% $5,510
Citizens Bank 19 6.61% $4,755
NORTHPOINT MORTGAGE, INC. 18 6.71% $7,404
Keystone Funding, Inc. 17 6.99% $6,131
Bar Harbor Bank & Trust 17 6.73% $4,149
GUARANTEED RATE, INC. 12 6.86% $5,023
LOANDEPOT.COM, LLC 12 6.92% $6,268
DIGITAL Federal Credit Union 11 6.80% $3,112
Waterstone Mortgage Corporation 11 7.08% $7,213
EVERETT FINANCIAL, INC. 10 6.80% $6,715
Mr. Cooper ( Nationstar Mortgage ) 10 6.32% $10,372
Granite State Credit Union 10 6.73% $4,054
FIRST MORTGAGE COMPANY, INC. 9 6.66% $8,098
NORTHEAST CREDIT UNION 9 6.49% $5,075
TOTAL MORTGAGE SERVICES, LLC 8 7.13% $5,486
JPMorgan Chase Bank 8 7.04% $6,465
ENVOY MORTGAGE, LTD 8 7.06% $6,196
BELLWETHER COMMUNITY 8 6.56% $6,091
MORTGAGE EQUITY PARTNERS LLC 7 6.82% $5,703
Meredith Village Savings Bank 7 7.46% $3,380
Mascoma Bank 7 6.59% $3,783
Bangor Savings Bank 7 6.61% $3,386
BROKER SOLUTIONS, INC. 7 6.82% $3,929
NAVY FEDERAL CREDIT UNION 7 5.75% $3,533
MUTUAL OF OMAHA MORTGAGE, INC. 7 6.64% $9,498
TD Bank 7 7.13% $3,616
Farm Credit East, ACA 6 7.35% $4,955
Service Federal Credit Union 6 6.46% $3,067
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 6 6.88% $6,977
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.35% $7,543
Bank of America 6 6.29% $4,517
Morgan Stanley Private Bank 6 6.27% $3,835
Wells Fargo Bank 6 6.48% $6,067
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.50% $8,072
Leader Bank 5 6.65% $3,443
M&T Bank 5 6.73% $4,588
GUARANTEED RATE AFFINITY, LLC 5 6.81% $4,735
SALEM FIVE MORTGAGE COMPANY, LLC 4 6.41% $4,698
EMBRACE HOME LOANS, INC. 4 6.72% $4,465
Northway Bank 4 7.19% $3,283
PENNYMAC LOAN SERVICES, LLC 4 6.59% $9,644
RADIUS FINANCIAL GROUP INC. 4 7.13% $5,898
Carrington Mortgage Services, LLC 4 6.09% $8,300
USAA Federal Savings Bank 4 6.50% $6,916
AMERICAN FINANCING CORPORATION 4 6.69% $8,401
RELIANCE FIRST CAPITAL, LLC 3 6.96% $16,164
NEWREZ LLC 3 7.08% $10,249
U.S. Bank 3 6.71% $4,253
Union Bank 3 7.17% $8,198
American Mortgage & Equity Consultants, Inc. 3 6.83% $5,466
ADVANCIAL 3 7.67% $7,084
AMERICAN FINANCIAL RESOURCES, INC. 2 6.00% $8,510
Jeanne D'Arc Credit Union 2 6.50% $4,013
PLAZA HOME MORTGAGE, INC. 2 6.13% $5,894
Plains Commerce Bank 2 7.06% $4,193
PHH Mortgage Corporation 2 6.56% $10,533
PENTAGON FEDERAL CREDIT UNION 2 6.69% $5,424
Northern Bank & Trust Company 2 6.75% $3,809
BETTER MORTGAGE CORPORATION 2 6.50% $3,466
NBT Bank 2 6.56% $3,851
Evolve Bank & Trust 2 7.13% $3,475
Citadel Servicing Corporation 2 8.75% $16,447
Holy Rosary Regional Credit Union 2 6.69% $3,198
CHURCHILL MORTGAGE CORPORATION 2 6.63% $6,227
LENDSURE MORTGAGE CORP. 2 8.38% $14,926
The Camden National Bank 2 6.68% $4,613
Workers Credit Union 1 6.13% $3,619
ALLIED MORTGAGE GROUP, INC. 1 7.13% $3,922
ARC HOME LLC 1 7.63% $16,422
Berkshire Bank 1 6.13% $8,430
CALCON MUTUAL MORTGAGE LLC 1 7.13% $4,956
Cambridge Trust Company 1 6.63% $3,554
Century Mortgage Company DBA Century Lending Company 1 5.88% $9,351
Charles Schwab Bank, SSB 1 5.50% $2,214
CIBM Bank 1 8.00% $3,286
City National Bank 1 6.80% $6,147
Commerce Home Mortgage, Inc. 1 8.88% $15,559
Cornerstone National Bank & Trust Company 1 6.13% $3,644
DEEPHAVEN MORTGAGE LLC 1 8.88% $11,241
Eastern Bank 1 6.25% $4,617
Easthampton Savings Bank 1 7.00% $6,881
Enterprise Bank and Trust Company 1 6.99% $3,751
Fall River Five Cents Savings Bank 1 6.38% $3,069
Farmers Bank & Trust 1 6.50% $3,652
FIRST COLONY MORTGAGE CORPORATION 1 7.38% $3,663
FIRST COMMUNITY MORTGAGE, INC. 1 6.63% $8,400
FREEDOM MORTGAGE CORPORATION 1 7.38% $12,082
GENEVA FINANCIAL, LLC 1 7.38% $4,848
Institution for Savings in Newburyport and Its Vicinity 1 6.13% $3,433
LAKEVIEW LOAN SERVICING, LLC 1 7.13% $14,258
LEADERONE FINANCIAL CORPORATION 1 5.88% $16,966
LENOX FINANCIAL MORTGAGE CORPORATION 1 7.62% $2,950
MEMBERS MORTGAGE COMPANY, INC. 1 6.50% $7,642
MERRIMACK VALLEY 1 5.99% $3,561
METRO 1 6.88% $3,249
Mortgage Research Center, LLC 1 7.63% $8,520
MSA MORTGAGE, LLC 1 7.00% $3,361
NASA Federal Credit Union 1 6.88% $7,749
NATIONS DIRECT MORTGAGE, LLC 1 6.63% $13,411
Nations Lending Corporation 1 6.63% $9,315
NATIONS RELIABLE LENDING, LLC 1 7.13% $6,494
NBKC BANK 1 6.63% $2,784
NFM, INC. 1 7.63% $10,582
PANORAMA MORTGAGE GROUP, LLC 1 6.88% $5,254
PROVINCE MORTGAGE ASSOCIATES, INC. 1 7.50% $4,258
Raymond James Bank 1 6.13% $3,215
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 6.63% $4,014
Royal Credit Union 1 6.88% $3,557
Sierra Pacific Mortgage Company, Inc. 1 6.38% $8,177
SIRVA MORTGAGE, INC. 1 6.13% $0
SIS BANCORP, MHC 1 8.99% $3,725
The Cape Cod Five Cents Savings Bank 1 6.50% $4,029
The Federal Savings Bank 1 6.88% $6,314
The Huntington National Bank 1 5.88% $3,038
The Loan Store, Inc. 1 7.38% $31,924
TOWNE MORTGAGE COMPANY 1 5.99% $13,432
Triangle Credit Union 1 6.38% $6,115
UBS Bank USA 1 6.38% $3,805
UniBank for Savings 1 5.88% $3,912
UTILITIES EMPLOYEES CREDIT UNION 1 6.38% $3,297
WASHINGTON TRUST MORTGAGE COMPANY LLC 1 6.63% $4,073

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.