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 7.01% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

The average rate for the prior week (2023-11-16) was 7.36% and one month ago for the week of 2023-10-19, the average rate was 7.45%.

Concord's average rate one year ago was 6.63%.

For refis of the same type during the week of 2023-11-22, the average rate was 6.56%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-11-22 7.29%
Concord 30 Year Fixed Rate 2023-11-22 7.01%
Concord 30 Year Fixed Rate Refi 2023-11-22 6.56%
Concord 15 Year Fixed Rate 2023-11-22 6.87%
Concord 15 Year Fixed Rate Refi 2023-11-22 5.53%
Concord 30 Year FHA 2023-11-22 -0.23%
Concord 30 Year FHA Refi 2023-11-22 0.1%
Concord 30 Year USDA 2023-11-22 -0.1%
Concord 30 Year USDA Refi 2023-11-22 0%
Concord 30 Year VA 2023-11-22 -0.35%
Concord 30 Year VA Refi 2023-11-22 0.1%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
CMG MORTGAGE, INC. 221 5.09% $4,319
QUICKEN LOANS, LLC 124 4.90% $7,619
UNITED WHOLESALE MORTGAGE, LLC 118 5.19% $5,753
GUILD MORTGAGE COMPANY 102 5.18% $4,993
Merrimack County Savings Bank 78 4.46% $3,519
HARBORONE MORTGAGE, LLC 61 4.74% $4,736
ST. MARY'S BANK 59 4.50% $3,531
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 56 5.61% $5,405
Citizens Bank 43 4.44% $4,580
LOANDEPOT.COM, LLC 37 4.68% $5,543
MOVEMENT MORTGAGE, LLC 35 5.37% $4,750
EMM LOANS LLC 33 4.93% $4,931
Bank of New Hampshire 32 4.92% $3,407
Bar Harbor Bank & Trust 30 4.53% $4,792
CROSSCOUNTRY MORTGAGE, LLC 30 5.30% $5,664
Mr. Cooper ( Nationstar Mortgage ) 26 4.91% $9,831
Mascoma Bank 23 4.57% $4,340
Wells Fargo Bank 23 4.93% $4,568
GUARANTEED RATE, INC. 23 4.72% $4,769
BELLWETHER COMMUNITY 22 4.48% $5,445
Northway Bank 22 4.29% $3,660
PRIMELENDING, A PLAINSCAPITAL COMPANY 22 5.32% $5,165
American Mortgage & Equity Consultants, Inc. 21 5.88% $5,872
Granite State Credit Union 20 4.74% $4,076
EVERETT FINANCIAL, INC. 18 5.72% $2,124
NORTHPOINT MORTGAGE, INC. 18 4.87% $5,133
PENNYMAC LOAN SERVICES, LLC 18 4.79% $6,746
DIGITAL Federal Credit Union 17 4.38% $3,784
Meredith Village Savings Bank 16 5.30% $3,478
Service Federal Credit Union 15 3.91% $3,819
TD Bank 15 4.93% $2,198
NORTHEAST CREDIT UNION 14 4.16% $5,376
AMERISAVE MORTGAGE CORPORATION 14 4.35% $8,589
ENVOY MORTGAGE, LTD 14 5.41% $6,381
LEADERONE FINANCIAL CORPORATION 14 4.78% $7,556
JPMorgan Chase Bank 12 4.56% $10,985
Bank of America 10 3.61% $3,589
Mortgage Network, Inc. 10 4.85% $4,797
TOTAL MORTGAGE SERVICES, LLC 10 5.36% $5,891
NEW HAMPSHIRE 9 4.06% $2,756
BROKER SOLUTIONS, INC. 9 4.70% $6,032
FREEDOM MORTGAGE CORPORATION 9 4.35% $7,539
HOME POINT FINANCIAL CORPORATION 9 4.68% $6,778
LAKEVIEW LOAN SERVICING, LLC 9 4.51% $4,507
Waterstone Mortgage Corporation 8 4.78% $5,564
NAVY FEDERAL CREDIT UNION 8 5.20% $3,659
Morgan Stanley Private Bank 8 4.28% $3,824
CALIBER HOME LOANS, INC. 7 4.80% $8,478
RADIUS FINANCIAL GROUP INC. 7 5.43% $5,374
ARC HOME LLC 7 4.48% $4,379
Bangor Savings Bank 6 3.75% $3,869
Leader Bank 6 5.00% $4,410
USAA Federal Savings Bank 5 4.80% $3,587
NEW FED MORTGAGE, CORP. 5 4.48% $3,198
SALEM FIVE MORTGAGE COMPANY, LLC 5 5.00% $5,840
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 5 4.33% $5,113
GUARANTEED RATE AFFINITY, LLC 5 5.56% $3,542
RELIANCE FIRST CAPITAL, LLC 4 5.13% $10,795
Carrington Mortgage Services, LLC 4 4.50% $6,003
BAYCOAST MORTGAGE COMPANY, LLC 4 3.44% $3,922
NEWREZ LLC 4 4.97% $8,054
Century Mortgage Company DBA Century Lending Company 4 5.38% $6,423
Flagstar Bank, FSB 4 5.31% $7,225
BAY EQUITY LLC 4 4.97% $3,714
Paramount Residential Mortgage Group, Inc. 4 5.78% $4,946
Stifel Bank and Trust 4 4.06% $2,996
M&T Bank 4 5.22% $3,399
ZILLOW HOME LOANS, LLC 3 4.29% $4,858
BNC National Bank 3 4.04% $4,598
Chicago Mortgage Solutions LLC 3 3.45% $1,426
Citibank 3 3.38% $5,253
Enterprise Bank and Trust Company 3 3.50% $2,826
Envision Bank 3 3.75% $4,596
MORTGAGE EQUITY PARTNERS LLC 3 4.83% $7,806
NBKC BANK 3 4.00% $4,547
NBT Bank 3 4.29% $3,915
PHH Mortgage Corporation 3 5.13% $6,979
PNC Bank 3 5.50% $6,987
Sierra Pacific Mortgage Company, Inc. 3 5.54% $10,212
SOFI LENDING CORP. 3 3.00% $3,624
SUCCESS MORTGAGE PARTNERS, INC. 3 7.00% $6,819
Wyndham Capital Mortgage, Inc. 3 3.87% $2,383
First Guaranty Mortgage Corporation 2 5.88% $3,384
The Federal Savings Bank 2 5.63% $11,386
U.S. Bank 2 4.81% $2,695
FIRST MORTGAGE COMPANY, INC. 2 4.68% $7,459
CARDINAL FINANCIAL 2 4.49% $7,866
Cambridge Trust Company 2 3.38% $4,083
Triangle Credit Union 2 3.31% $2,503
PENTAGON FEDERAL CREDIT UNION 2 4.31% $3,951
UBS Bank USA 2 4.06% $4,079
First Republic Bank 2 3.78% $3,927
AMERICAN FINANCING CORPORATION 2 3.69% $4,255
North American Savings Bank, F.S.B. 2 4.94% $3,203
Webster Bank 2 5.13% $9,247
HOMESIDE FINANCIAL, LLC 2 5.00% $4,121
Evolve Bank & Trust 2 4.25% $3,831
First Home Bank 2 5.18% $8,167
INLAND BANK & TRUST 2 5.19% $5,776
Jeanne D'Arc Credit Union 2 4.31% $2,812
MERRIMACK VALLEY 2 3.13% $2,486
Firstrust Savings Bank 2 4.00% $9,651
Discover Bank 2 3.74% $0
DREW MORTGAGE ASSOCIATES, INC. 1 4.13% $3,945
NJ LENDERS CORP. 1 5.63% $2,526
DRAPER AND KRAMER MORTGAGE CORP. 1 3.99% $19,296
NORTHEAST HOME LOAN, LLC 1 3.13% $2,153
Northern Bank & Trust Company 1 5.25% $4,329
Northpointe Bank 1 5.50% $4,513
North Shore Bank, a Co-operative Bank 1 5.13% $3,117
Colonial Savings, F.A. 1 3.38% $1,466
NORWICH COMMERCIAL GROUP, INC. 1 5.63% $4,285
ALLIED MORTGAGE GROUP, INC. 1 6.25% $3,734
PLANET HOME LENDING, LLC 1 4.25% $2,809
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.25% $6,982
Brookline Bank 1 4.88% $3,413
BETTER MORTGAGE CORPORATION 1 6.38% $1,855
Berkshire Bank 1 5.50% $3,284
Baxter Credit Union 1 3.75% $2,305
RESIDENTIAL MORTGAGE SERVICES, INC. 1 3.88% $3,676
Ross Mortgage Company, Inc. 1 5.50% $3,775
Bank of England 1 6.00% $4,315
Santander Bank, N.A. 1 3.63% $3,004
Avidia Bank 1 5.38% $2,128
ADVANCIAL 1 7.63% $4,065
Simmons Bank 1 3.38% $3,514
Workers Credit Union 1 3.00% $2,638
State Department Federal Credit Union 1 5.50% $4,511
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.63% $4,103
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.75% $4,888
21ST MORTGAGE CORPORATION 1 9.10% $4,133
T2 FINANCIAL LLC 1 4.50% $4,151
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.50% $14,736
The Central Trust Bank 1 4.88% $5,563
Third Federal Savings and Loan Association of Cleveland 1 4.94% $0
TOGETHER CREDIT UNION 1 5.39% $3,302
AMERICAN INTERNET MORTGAGE, INC. 1 6.00% $3,171
TOWER 1 2.63% $8,487
Truist 1 4.75% $6,037
Union Bank 1 3.88% $8,475
Ally Bank 1 5.25% $3,540
Home Loan Investment Bank, F.S.B. 1 4.13% $3,528
HOMESTEAD FUNDING CORP. 1 3.00% $4,450
HUNT MORTGAGE CORPORATION 1 6.13% $6,289
HARVARD UNIVERSITY EMPLOYEES 1 4.50% $2,995
KELLER MORTGAGE, LLC 1 4.00% $2,500
Lakeview Community Capital, LLC 1 4.75% $6,974
KeyBank 1 4.75% $3,619
HANSCOM 1 3.88% $4,460
GENEVA FINANCIAL, LLC 1 5.38% $4,216
LENOX FINANCIAL MORTGAGE CORPORATION 1 5.38% $6,879
Main Street Bank 1 5.00% $3,837
First Horizon Bank 1 4.75% $3,591
MMS MORTGAGE SERVICES, LTD. 1 5.25% $5,105
FirstBank 1 4.13% $4,865
Mortgage Research Center, LLC 1 5.88% $5,589
FINANCE OF AMERICA MORTGAGE LLC 1 6.13% $2,973
FBC MORTGAGE, LLC 1 3.13% $6,404
Farm Credit East, ACA 1 5.70% $4,095
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.00% $2,635
Nations Lending Corporation 1 6.25% $15,685
NATIONS RELIABLE LENDING, LLC 1 5.75% $3,544
Navigant Credit Union 1 5.00% $3,491
Valley National Bank 1 5.38% $3,781
WASHINGTON TRUST MORTGAGE COMPANY LLC 1 5.63% $3,499
NEW ENGLAND FEDERAL CREDIT UNION 1 5.13% $2,481
EMBRACE HOME LOANS, INC. 1 6.38% $11,129
Eastern Bank 1 5.25% $4,226

Concord Average Closing Costs & Other Stats

Concord, NH's 168 lenders originated 4,376 loans during 2022. The total origination value was $1,202,090,000, with an average loan value of $274,701.

Concord's average closing costs are $4,751.

The top Concord lender as defined by loan originations is CMG MORTGAGE, INC., with 221 loans originated. Their average total fees are $4,319, which is $3,300 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Concord lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($2,124), TD Bank ($2,198), Bank of New Hampshire ($3,407), Meredith Village Savings Bank ($3,478) and Merrimack County Savings Bank ($3,519).

The lowest rate Concord lenders (with over 10 loans originated) are Bank of America (3.61%), Service Federal Credit Union (3.91%), NORTHEAST CREDIT UNION (4.16%), Northway Bank (4.29%) and AMERISAVE MORTGAGE CORPORATION (4.35%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
CMG MORTGAGE, INC. $195,320,000 $98,600,000 -49.5% 8.2%
Citizens Bank $70,915,000 $67,120,000 -5.4% 5.6%
UNITED WHOLESALE MORTGAGE, LLC $89,650,000 $63,080,000 -29.6% 5.2%
QUICKEN LOANS, LLC $178,950,000 $60,510,000 -66.2% 5.0%
Merrimack County Savings Bank $70,505,000 $51,660,000 -26.7% 4.3%
GUILD MORTGAGE COMPANY $9,200,000 $49,300,000 435.9% 4.1%
Mascoma Bank $22,885,000 $47,710,000 108.5% 4.0%
ST. MARY'S BANK $66,395,000 $42,605,000 -35.8% 3.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $24,600,000 $30,610,000 24.4% 2.5%
HARBORONE MORTGAGE, LLC $62,720,000 $28,820,000 -54.0% 2.4%
NBT Bank $3,740,000 $26,595,000 611.1% 2.2%
Service Federal Credit Union $14,635,000 $26,330,000 79.9% 2.2%
Bar Harbor Bank & Trust $41,940,000 $23,865,000 -43.1% 2.0%
Bank of New Hampshire $14,200,000 $21,915,000 54.3% 1.8%
TD Bank $22,455,000 $21,170,000 -5.7% 1.8%
Enterprise Bank and Trust Company $1,760,000 $20,395,000 1,058.8% 1.7%
EMM LOANS LLC $17,795,000 $17,425,000 -2.1% 1.4%
Mortgage Research Center, LLC $19,680,000 $16,820,000 -14.5% 1.4%
LOANDEPOT.COM, LLC $42,795,000 $16,610,000 -61.2% 1.4%
BELLWETHER COMMUNITY $11,060,000 $15,945,000 44.2% 1.3%
CROSSCOUNTRY MORTGAGE, LLC $22,425,000 $15,045,000 -32.9% 1.3%
Franklin Savings Bank $15,275,000 $14,605,000 -4.4% 1.2%
MOVEMENT MORTGAGE, LLC $17,375,000 $14,155,000 -18.5% 1.2%
Bank of America $20,035,000 $13,535,000 -32.4% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $28,995,000 $13,135,000 -54.7% 1.1%
Wells Fargo Bank $29,255,000 $11,870,000 -59.4% 1.0%
JPMorgan Chase Bank $17,070,000 $11,570,000 -32.2% 1.0%
Northway Bank $11,690,000 $10,980,000 -6.1% 0.9%
Meredith Village Savings Bank $5,930,000 $10,270,000 73.2% 0.9%
PENNYMAC LOAN SERVICES, LLC $33,205,000 $10,045,000 -69.7% 0.8%
Bangor Savings Bank $11,945,000 $9,940,000 -16.8% 0.8%
GUARANTEED RATE, INC. $19,445,000 $9,725,000 -50.0% 0.8%
Granite State Credit Union $19,880,000 $9,530,000 -52.1% 0.8%
NORTHEAST CREDIT UNION $10,255,000 $9,045,000 -11.8% 0.8%
DIGITAL Federal Credit Union $12,180,000 $8,800,000 -27.8% 0.7%
American Mortgage & Equity Consultants, Inc. $8,675,000 n/a 0.7%
NAVY FEDERAL CREDIT UNION $11,045,000 $8,380,000 -24.1% 0.7%
ENVOY MORTGAGE, LTD $20,285,000 $7,820,000 -61.4% 0.7%
PRIMELENDING, A PLAINSCAPITAL COMPANY $5,705,000 $7,805,000 36.8% 0.6%
NORTHPOINT MORTGAGE, INC. $11,135,000 $7,455,000 -33.0% 0.6%
AMERISAVE MORTGAGE CORPORATION $23,930,000 $7,160,000 -70.1% 0.6%
EVERETT FINANCIAL, INC. $3,150,000 $6,930,000 120.0% 0.6%
FREEDOM MORTGAGE CORPORATION $38,475,000 $6,740,000 -82.5% 0.6%
HOME POINT FINANCIAL CORPORATION $10,125,000 $5,450,000 -46.2% 0.5%
NEW HAMPSHIRE $21,425,000 $5,115,000 -76.1% 0.4%
Morgan Stanley Private Bank $3,240,000 $5,070,000 56.5% 0.4%
LEADERONE FINANCIAL CORPORATION $23,045,000 $4,975,000 -78.4% 0.4%
BROKER SOLUTIONS, INC. $12,150,000 $4,945,000 -59.3% 0.4%
Eastern Bank $3,275,000 $4,660,000 42.3% 0.4%
Mortgage Network, Inc. $9,570,000 $4,645,000 -51.5% 0.4%
NEWREZ LLC $32,865,000 $4,225,000 -87.1% 0.4%
LAKEVIEW LOAN SERVICING, LLC $14,980,000 $3,810,000 -74.6% 0.3%
Triangle Credit Union $4,535,000 $3,785,000 -16.5% 0.3%
TOTAL MORTGAGE SERVICES, LLC $4,210,000 $3,670,000 -12.8% 0.3%
Waterstone Mortgage Corporation $5,685,000 $3,620,000 -36.3% 0.3%
SIS BANCORP, MHC $2,425,000 $3,455,000 42.5% 0.3%
NEW FED MORTGAGE, CORP. $6,595,000 $3,335,000 -49.4% 0.3%
USAA Federal Savings Bank $4,400,000 $3,220,000 -26.8% 0.3%
CALIBER HOME LOANS, INC. $6,650,000 $3,130,000 -52.9% 0.3%
PNC Bank $145,000 $3,110,000 2,044.8% 0.3%
The Federal Savings Bank $7,935,000 $2,975,000 -62.5% 0.2%
Flagstar Bank, FSB $6,955,000 $2,870,000 -58.7% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $8,955,000 $2,845,000 -68.2% 0.2%
RADIUS FINANCIAL GROUP INC. $7,035,000 $2,760,000 -60.8% 0.2%
RELIANCE FIRST CAPITAL, LLC $6,450,000 $2,725,000 -57.8% 0.2%
Leader Bank $6,045,000 $2,705,000 -55.3% 0.2%
ARC HOME LLC $4,870,000 $2,580,000 -47.0% 0.2%
BAYCOAST MORTGAGE COMPANY, LLC $1,040,000 $2,495,000 139.9% 0.2%
SALEM FIVE MORTGAGE COMPANY, LLC $2,580,000 $2,435,000 -5.6% 0.2%
GUARANTEED RATE AFFINITY, LLC $7,565,000 $2,290,000 -69.7% 0.2%
Figure Lending LLC $700,000 $2,180,000 211.4% 0.2%
Citibank $1,045,000 $2,160,000 106.7% 0.2%
M&T Bank $320,000 $2,115,000 560.9% 0.2%
Salem Co-Operative Bank $1,320,000 $2,050,000 55.3% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $2,780,000 $2,005,000 -27.9% 0.2%
BAY EQUITY LLC $2,770,000 $2,000,000 -27.8% 0.2%
Sierra Pacific Mortgage Company, Inc. $2,320,000 $1,985,000 -14.4% 0.2%
U.S. Bank $5,780,000 $1,890,000 -67.3% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $6,870,000 $1,825,000 -73.4% 0.2%
Charles Schwab Bank, SSB $2,350,000 $1,820,000 -22.6% 0.2%
Webster Bank $1,305,000 $1,815,000 39.1% 0.2%
Stifel Bank and Trust $325,000 $1,770,000 444.6% 0.1%
Wyndham Capital Mortgage, Inc. $2,565,000 $1,770,000 -31.0% 0.1%
HANSCOM $905,000 $1,680,000 85.6% 0.1%
BNC National Bank $2,000,000 $1,675,000 -16.3% 0.1%
The Central Trust Bank $435,000 $1,610,000 270.1% 0.1%
KEYPOINT $1,575,000 n/a 0.1%
Cambridge Trust Company $2,705,000 $1,560,000 -42.3% 0.1%
First Republic Bank $3,070,000 $1,510,000 -50.8% 0.1%
Carrington Mortgage Services, LLC $3,615,000 $1,505,000 -58.4% 0.1%
Third Federal Savings and Loan Association of Cleveland $1,380,000 $1,505,000 9.1% 0.1%
Discover Bank $555,000 $1,495,000 169.4% 0.1%
Envision Bank $3,375,000 $1,465,000 -56.6% 0.1%
RF Renovo Management Company, LLC $1,460,000 n/a 0.1%
AMERICAN ADVISORS GROUP $385,000 $1,410,000 266.2% 0.1%
Paramount Residential Mortgage Group, Inc. $1,830,000 $1,400,000 -23.5% 0.1%
SOFI LENDING CORP. $2,325,000 $1,380,000 -40.6% 0.1%
AMERICAN FINANCING CORPORATION $2,285,000 $1,375,000 -39.8% 0.1%
Chicago Mortgage Solutions LLC $1,430,000 $1,370,000 -4.2% 0.1%
FIRST MORTGAGE COMPANY, INC. $1,340,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $4,685,000 $1,340,000 -71.4% 0.1%
Members First Credit Union N.H. $4,430,000 $1,335,000 -69.9% 0.1%
Evolve Bank & Trust $395,000 $1,320,000 234.2% 0.1%
Jeanne D'Arc Credit Union $1,915,000 $1,315,000 -31.3% 0.1%
MORTGAGE EQUITY PARTNERS LLC $8,080,000 $1,300,000 -83.9% 0.1%
Century Mortgage Company DBA Century Lending Company $1,790,000 $1,280,000 -28.5% 0.1%
HOMESIDE FINANCIAL, LLC $2,670,000 $1,280,000 -52.1% 0.1%
NBKC BANK $3,235,000 $1,265,000 -60.9% 0.1%
Northern Bank & Trust Company $915,000 $1,230,000 34.4% 0.1%
Pentucket Bank $1,230,000 n/a 0.1%
PHH Mortgage Corporation $870,000 $1,175,000 35.1% 0.1%
PENTAGON FEDERAL CREDIT UNION $2,820,000 $1,155,000 -59.0% 0.1%
Magnolia Bank $540,000 $1,140,000 111.1% 0.1%
UNITED MORTGAGE CORP. $175,000 $1,135,000 548.6% 0.1%
First Guaranty Mortgage Corporation $6,555,000 $1,130,000 -82.8% 0.1%
21ST MORTGAGE CORPORATION $745,000 $1,115,000 49.7% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $275,000 $1,060,000 285.5% 0.1%
UBS Bank USA $740,000 $1,050,000 41.9% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $4,400,000 $1,010,000 -77.0% 0.1%
SPRING EQ, LLC $950,000 $990,000 4.2% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $5,985,000 $940,000 -84.3% 0.1%
Santander Bank, N.A. $3,085,000 $935,000 -69.7% 0.1%
Firstrust Savings Bank $930,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $2,250,000 $915,000 -59.3% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $5,270,000 $910,000 -82.7% 0.1%
FINANCE OF AMERICA REVERSE LLC $910,000 n/a 0.1%
Salem Five Cents Savings Bank $65,000 $910,000 1,300.0% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $830,000 n/a 0.1%
EMBRACE HOME LOANS, INC. $7,000,000 $825,000 -88.2% 0.1%
Haverhill Bank $245,000 $825,000 236.7% 0.1%
North American Savings Bank, F.S.B. $2,965,000 $820,000 -72.3% 0.1%
Nations Lending Corporation $475,000 $765,000 61.1% 0.1%
First Home Bank $1,490,000 $710,000 -52.3% 0.1%
Truist $595,000 $710,000 19.3% 0.1%
Union Bank $705,000 n/a 0.1%
Baxter Credit Union $690,000 n/a 0.1%
PLANET HOME LENDING, LLC $550,000 $690,000 25.5% 0.1%
FBC MORTGAGE, LLC $675,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $1,070,000 $670,000 -37.4% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $455,000 $670,000 47.3% 0.1%
INLAND BANK & TRUST $315,000 $650,000 106.3% 0.1%
Barrington Bank & Trust Company, N.A. $1,515,000 $610,000 -59.7% 0.1%
GENEVA FINANCIAL, LLC $605,000 n/a 0.1%
Main Street Bank $605,000 n/a 0.1%
Berkshire Bank $995,000 $580,000 -41.7% 0.0%
Equity Prime Mortgage LLC $670,000 $580,000 -13.4% 0.0%
The Camden National Bank $1,190,000 $565,000 -52.5% 0.0%
Newburyport Five Cents Savings Bank $560,000 n/a 0.0%
RESIDENTIAL MORTGAGE SERVICES, INC. $99,335,000 $560,000 -99.4% 0.0%
First Horizon Bank $555,000 n/a 0.0%
NEW ENGLAND FEDERAL CREDIT UNION $1,005,000 $530,000 -47.3% 0.0%
Rockland Trust Company $1,750,000 $530,000 -69.7% 0.0%
MERRIMACK VALLEY $1,070,000 $520,000 -51.4% 0.0%
Brookline Bank $510,000 n/a 0.0%
T2 FINANCIAL LLC $295,000 $475,000 61.0% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $570,000 $470,000 -17.5% 0.0%
State Department Federal Credit Union $450,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $445,000 n/a 0.0%
First Seacoast Bank $520,000 $440,000 -15.4% 0.0%
WASHINGTON TRUST MORTGAGE COMPANY LLC $1,605,000 $440,000 -72.6% 0.0%
Ross Mortgage Company, Inc. $425,000 n/a 0.0%
Northpointe Bank $730,000 $420,000 -42.5% 0.0%
TOGETHER CREDIT UNION $255,000 $415,000 62.7% 0.0%
HarborOne Bank $35,000 $410,000 1,071.4% 0.0%
Lakeview Community Capital, LLC $410,000 n/a 0.0%
Valley National Bank $405,000 n/a 0.0%
Avidia Bank $305,000 $400,000 31.1% 0.0%
ADVANCIAL $385,000 n/a 0.0%
HARVARD UNIVERSITY EMPLOYEES $385,000 n/a 0.0%
HUNT MORTGAGE CORPORATION $375,000 n/a 0.0%
Simmons Bank $375,000 n/a 0.0%
DREW MORTGAGE ASSOCIATES, INC. $400,000 $355,000 -11.3% 0.0%
HOMESTEAD FUNDING CORP. $2,085,000 $355,000 -83.0% 0.0%
East Cambridge Savings Bank $345,000 n/a 0.0%
Texana Bank $345,000 n/a 0.0%
Navigant Credit Union $265,000 $335,000 26.4% 0.0%
NFM, INC. $365,000 $335,000 -8.2% 0.0%
NJ LENDERS CORP. $335,000 n/a 0.0%
TOWER $335,000 n/a 0.0%
American Airlines Federal Credit Union $325,000 n/a 0.0%
KELLER MORTGAGE, LLC $1,020,000 $325,000 -68.1% 0.0%
KeyBank $1,855,000 $325,000 -82.5% 0.0%
North Shore Bank, a Co-operative Bank $95,000 $325,000 242.1% 0.0%
Semper Home Loans, Inc. $325,000 n/a 0.0%
Secured Investment Corp. $320,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $305,000 $315,000 3.3% 0.0%
Dime Bank $305,000 n/a 0.0%
GREENWOOD $65,000 $305,000 369.2% 0.0%
Workers Credit Union $110,000 $305,000 177.3% 0.0%
Bank of England $500,000 $285,000 -43.0% 0.0%
BETTER MORTGAGE CORPORATION $285,000 n/a 0.0%
Hometown Equity Mortgage, LLC $285,000 n/a 0.0%
First Internet Bank of Indiana $765,000 $270,000 -64.7% 0.0%
BayCoast Bank $750,000 $260,000 -65.3% 0.0%
CHURCHILL MORTGAGE CORPORATION $1,660,000 $260,000 -84.3% 0.0%
REVERSE MORTGAGE FUNDING LLC $1,790,000 $255,000 -85.8% 0.0%
WESTERLY COMMUNITY $250,000 n/a 0.0%
Farm Credit East, ACA $505,000 $245,000 -51.5% 0.0%
MYCUMORTGAGE, LLC $245,000 n/a 0.0%
USAlliance Federal Credit Union $245,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $255,000 $235,000 -7.8% 0.0%
Mortgage Assurance Inc. $265,000 $235,000 -11.3% 0.0%
NATIONS RELIABLE LENDING, LLC $235,000 n/a 0.0%
Prime Choice Funding Inc. $305,000 $235,000 -23.0% 0.0%
Republic State Mortgage Co. $515,000 $235,000 -54.4% 0.0%
FirstBank $225,000 n/a 0.0%
MMS MORTGAGE SERVICES, LTD. $215,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $375,000 $205,000 -45.3% 0.0%
Blue Ridge Bank $205,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $775,000 $205,000 -73.5% 0.0%
The Washington Trust Company, of Westerly $205,000 n/a 0.0%
ALIGN CREDIT UNION $385,000 $200,000 -48.1% 0.0%
Colonial Savings, F.A. $195,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $185,000 n/a 0.0%
NORTHEAST HOME LOAN, LLC $710,000 $185,000 -73.9% 0.0%
Home Loan Investment Bank, F.S.B. $1,485,000 $180,000 -87.9% 0.0%
TRADEMARK $180,000 n/a 0.0%
VILLAGE CAPITAL MORTGAGE $1,140,000 $175,000 -84.6% 0.0%
Institution for Savings in Newburyport and Its Vicinity $530,000 $155,000 -70.8% 0.0%
Ally Bank $135,000 n/a 0.0%
ONE Credit Union $65,000 $135,000 107.7% 0.0%
POLARIS HOME FUNDING CORP. $135,000 n/a 0.0%
LOGIX FEDERAL CREDIT UNION $105,000 $125,000 19.0% 0.0%
CENTRAL ONE FEDERAL CREDIT UNION $365,000 $85,000 -76.7% 0.0%
Assurance Financial Group, L.L.C. $65,000 n/a 0.0%
VERMONT STATE EMPLOYEES $55,000 n/a 0.0%
Cambridge Savings Bank $35,000 n/a 0.0%
CHARTWAY FEDERAL CREDIT UNION $35,000 n/a 0.0%
GENISYS $25,000 n/a 0.0%

Concord's top lender by overall market share is CMG MORTGAGE, INC., with 8.2% market share. In second place, with 5.6%, is Citizens Bank, having originated $67,120,000 in loans. In third place, with 5.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $63,080,000 in loans. In fourth place, with 5.0%, is QUICKEN LOANS, LLC, having originated $60,510,000 in loans. In fifth place, with 4.3%, is Merrimack County Savings Bank, having originated $51,660,000 in loans.


Concord Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Concord (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $306,400 (13.8%) $375,332 (17.0%) 1.14 410
2018-02-01 $322,225 (17.0%) $383,758 (16.6%) 1.17 360
2018-03-01 $329,999 (17.9%) $374,482 (10.6%) 1.16 352
2018-04-01 $329,725 (17.8%) $376,714 (7.7%) 1.12 419
2018-05-01 $322,225 (8.9%) $375,677 (3.9%) 1.08 502
2018-06-01 $319,900 (6.7%) $380,713 (3.4%) 1.07 583
2018-07-01 $314,900 (5.1%) $381,305 (3.7%) 1.05 607
2018-08-01 $309,700 (3.3%) $385,074 (5.4%) 1.04 637
2018-09-01 $304,995 (5.2%) $385,702 (7.0%) 1.03 669
2018-10-01 $309,450 (5.3%) $388,495 (7.3%) 1.05 644
2018-11-01 $299,950 (4.4%) $386,394 (8.8%) 1.02 564
2018-12-01 $299,900 (2.6%) $382,870 (6.0%) 1.03 465
2019-01-01 $299,950 (-2.1%) $390,593 (4.1%) 1.04 392
2019-02-01 $307,950 (-4.4%) $398,088 (3.7%) 1.04 368
2019-03-01 $323,643 (-1.9%) $397,674 (6.2%) 1.06 382
2019-04-01 $337,518 (2.4%) $400,940 (6.4%) 1.07 400
2019-05-01 $322,425 (0.1%) $384,558 (2.4%) 1.01 465
2019-06-01 $324,900 (1.6%) $412,306 (8.3%) 1.02 495
2019-07-01 $319,450 (1.4%) $412,631 (8.2%) 1.00 499
2019-08-01 $325,545 (5.1%) $412,452 (7.1%) 1.03 491
2019-09-01 $319,614 (4.8%) $403,482 (4.6%) 1.02 486
2019-10-01 $315,659 (2.0%) $398,698 (2.6%) 1.02 464
2019-11-01 $306,000 (2.0%) $391,813 (1.4%) 1.00 398
2019-12-01 $299,700 (-0.1%) $384,318 (0.4%) 1.00 326
2020-01-01 $300,000 (0.0%) $391,679 (0.3%) 1.00 261
2020-02-01 $329,000 (6.8%) $413,076 (3.8%) 1.08 250
2020-03-01 $349,000 (7.8%) $416,792 (4.8%) 1.09 267
2020-04-01 $357,400 (5.9%) $417,121 (4.0%) 1.12 275
2020-05-01 $362,400 (12.4%) $427,036 (11.1%) 1.10 261
2020-06-01 $377,450 (16.2%) $464,939 (12.8%) 1.11 270
2020-07-01 $374,450 (17.2%) $470,342 (14.0%) 1.09 232
2020-08-01 $374,950 (15.2%) $451,757 (9.5%) 1.07 235
2020-09-01 $367,425 (15.0%) $435,320 (7.9%) 1.05 242
2020-10-01 $339,450 (7.5%) $423,861 (6.3%) 0.97 228
2020-11-01 $348,700 (14.0%) $446,388 (13.9%) 1.02 182
2020-12-01 $334,475 (11.6%) $444,035 (15.5%) 1.00 144
2021-01-01 $339,450 (13.2%) $435,972 (11.3%) 1.01 104
2021-02-01 $356,000 (8.2%) $475,290 (15.1%) 1.04 87
2021-03-01 $346,975 (-0.6%) $458,819 (10.1%) 0.99 100
2021-04-01 $380,450 (6.5%) $475,947 (14.1%) 1.03 111
2021-05-01 $375,000 (3.5%) $498,344 (16.7%) 1.00 161
2021-06-01 $377,000 (-0.1%) $496,579 (6.8%) 0.99 207
2021-07-01 $417,500 (11.5%) $548,428 (16.6%) 1.10 209
2021-08-01 $390,925 (4.3%) $543,591 (20.3%) 1.04 197
2021-09-01 $399,675 (8.8%) $518,592 (19.1%) 1.07 192
2021-10-01 $389,900 (14.9%) $522,466 (23.3%) 1.04 172
2021-11-01 $399,725 (14.6%) $533,915 (19.6%) 1.07 136
2021-12-01 $450,500 (34.7%) $540,135 (21.6%) 1.22 99
2022-01-01 $419,900 (23.7%) $529,512 (21.5%) 1.14 82
2022-02-01 $472,400 (32.7%) $591,226 (24.4%) 1.23 68
2022-03-01 $437,225 (26.0%) $530,412 (15.6%) 1.09 91
2022-04-01 $429,999 (13.0%) $609,087 (28.0%) 1.03 108
2022-05-01 $449,950 (20.0%) $568,970 (14.2%) 1.03 128
2022-06-01 $461,000 (22.3%) $588,336 (18.5%) 1.03 177
2022-07-01 $497,000 (19.0%) $624,410 (13.9%) 1.12 214
2022-08-01 $484,975 (24.1%) $607,692 (11.8%) 1.12 216
2022-09-01 $484,725 (21.3%) $597,259 (15.2%) 1.13 204
2022-10-01 $494,450 (26.8%) $571,209 (9.3%) 1.16 200
2022-11-01 $491,175 (22.9%) $555,803 (4.1%) 1.18 200
2022-12-01 $499,900 (11.0%) $557,403 (3.2%) 1.23 163
2023-01-01 $499,500 (19.0%) $549,914 (3.9%) 1.24 121
2023-02-01 $522,475 (10.6%) $561,487 (-5.0%) 1.26 87
2023-03-01 $509,950 (16.6%) $553,866 (4.4%) 1.20 83
2023-04-01 $522,450 (21.5%) $590,923 (-3.0%) 1.22 97
2023-05-01 $526,000 (16.9%) $614,541 (8.0%) 1.19 112
2023-06-01 $565,000 (22.6%) $660,790 (12.3%) 1.27 136
2023-07-01 $550,000 (10.7%) $638,664 (2.3%) 1.25 155
2023-08-01 $578,454 (19.3%) $652,192 (7.3%) 1.33 147
2023-09-01 $549,950 (13.5%) $627,388 (5.0%) 1.28 163
2023-10-01 $550,000 (11.2%) $646,058 (13.1%) 1.29 182
Concord's median listing price for 2023-10-01 was $550,000, a difference of $55,550 (11.2%) versus the prior year and $50 versus the prior month.

Concord's median listing price comes in at 129% of the national average.

Concord's average listing price for 2023-10-01 was $646,058, a difference of $74,849 (13.1%) versus the prior year and $18,670 versus the prior month.

For the 2023-10-01 period, Concord had 182 MLS listings, a difference of 19 listings (12%) versus the prior month and -18 listings (-9%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Concord (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 100 days 2,192 sqft
2018-02-01 104 days 2,173 sqft
2018-03-01 72 days 2,217 sqft
2018-04-01 49 days 2,209 sqft
2018-05-01 40 days 2,170 sqft
2018-06-01 39 days 2,168 sqft
2018-07-01 48 days 2,187 sqft
2018-08-01 53 days 2,185 sqft
2018-09-01 58 days 2,179 sqft
2018-10-01 66 days 2,214 sqft
2018-11-01 74 days 2,197 sqft
2018-12-01 89 days 2,122 sqft
2019-01-01 88 days 2,152 sqft
2019-02-01 89 days 2,089 sqft
2019-03-01 65 days 2,091 sqft
2019-04-01 43 days 2,115 sqft
2019-05-01 40 days 2,106 sqft
2019-06-01 42 days 2,128 sqft
2019-07-01 48 days 2,082 sqft
2019-08-01 52 days 2,095 sqft
2019-09-01 53 days 2,081 sqft
2019-10-01 57 days 2,080 sqft
2019-11-01 67 days 2,068 sqft
2019-12-01 80 days 1,978 sqft
2020-01-01 85 days 2,026 sqft
2020-02-01 60 days 2,065 sqft
2020-03-01 43 days 2,076 sqft
2020-04-01 48 days 2,139 sqft
2020-05-01 53 days 2,125 sqft
2020-06-01 31 days 2,172 sqft
2020-07-01 38 days 2,199 sqft
2020-08-01 41 days 2,222 sqft
2020-09-01 32 days 2,080 sqft
2020-10-01 39 days 2,001 sqft
2020-11-01 46 days 2,033 sqft
2020-12-01 55 days 1,901 sqft
2021-01-01 47 days 1,846 sqft
2021-02-01 28 days 1,800 sqft
2021-03-01 16 days 1,727 sqft
2021-04-01 13 days 1,826 sqft
2021-05-01 14 days 2,072 sqft
2021-06-01 17 days 2,068 sqft
2021-07-01 25 days 2,191 sqft
2021-08-01 34 days 2,130 sqft
2021-09-01 33 days 2,096 sqft
2021-10-01 36 days 1,998 sqft
2021-11-01 40 days 1,947 sqft
2021-12-01 49 days 1,979 sqft
2022-01-01 44 days 1,883 sqft
2022-02-01 23 days 1,952 sqft
2022-03-01 14 days 1,854 sqft
2022-04-01 10 days 1,872 sqft
2022-05-01 14 days 1,922 sqft
2022-06-01 12 days 1,947 sqft
2022-07-01 23 days 2,118 sqft
2022-08-01 32 days 2,104 sqft
2022-09-01 40 days 2,139 sqft
2022-10-01 40 days 2,099 sqft
2022-11-01 39 days 2,058 sqft
2022-12-01 54 days 2,052 sqft
2023-01-01 66 days 2,073 sqft
2023-02-01 64 days 2,022 sqft
2023-03-01 35 days 1,889 sqft
2023-04-01 17 days 2,043 sqft
2023-05-01 14 days 2,056 sqft
2023-06-01 18 days 2,082 sqft
2023-07-01 24 days 2,128 sqft
2023-08-01 32 days 2,086 sqft
2023-09-01 31 days 2,154 sqft
2023-10-01 32 days 2,188 sqft
Concord's median listing age (time on market) for 2023-10-01 was 32 days. This is -20% shorter than the same period one year ago.

Concord's median square footage for active listings during the 2023-10-01 period was 2,188 sqft. One year prior, the average listing was 2,099 sqft.

Concord, NH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,924 $712,400,000 $370,270
Cash Out Refi 862 $232,010,000 $269,153
Home Improvement 685 $74,225,000 $108,358
Refi 553 $133,845,000 $242,034
Other 352 $49,610,000 $140,938

Concord's most frequently cited loan purpose was Home Purchase, with 1,924 originations. The 2nd most popular reason was Cash Out Refi, with 862 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,024 $296,980,000 $290,020
5-6% 1,009 $267,995,000 $265,605
4-5% 955 $291,545,000 $305,283
6-7% 501 $129,405,000 $258,293
2.5-3% 363 $110,905,000 $305,523
<2.5% 177 $38,795,000 $219,181
7-8% 151 $28,935,000 $191,623
Over 8% 84 $7,560,000 $90,000

During 2022, Concord's most frequently originated rate bucket was 3-4%, with 1,024 originations.

Loan Sizing (Concord, NH MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,964 $568,520,000 $289,470
$100k-200k 996 $144,750,000 $145,331
$100,000 or less 753 $42,045,000 $55,837
$400k-600k 510 $241,720,000 $473,961
$600k-1000k 118 $83,210,000 $705,169
$Over $1MM 35 $121,845,000 $3,481,286

Concord's loan sizing saw the bucket of loans from $200k-400k with 1,964 originations, totaling $568,520,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,238 $454,890,000 $367,439
60-80% 1,174 $441,450,000 $376,022
Under 20% 623 $38,715,000 $62,143
20-40% 601 $85,265,000 $141,872
40-60% 590 $135,260,000 $229,254
Over 100% 38 $14,880,000 $391,579

Concord's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,238 originations, totaling $454,890,000 in origination value.