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 2023-03-23, compared to the national average of
6.42% for the same period.
The average rate for the prior week (2023-03-16) was
6.68% and
one month ago for the week of 2023-02-16, the
average rate was 6.5%.
Concord's average rate one year ago was 3.88%.
For refis of the same type during the week of 2023-03-23, the average rate
was 6.39%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-23 | 6.42% |
| Concord 30 Year Fixed Rate | 2023-03-23 | 6.7% |
| Concord 30 Year Fixed Rate Refi | 2023-03-23 | 6.39% |
| Concord 15 Year Fixed Rate | 2023-03-23 | 5.93% |
| Concord 15 Year Fixed Rate Refi | 2023-03-23 | 5.88% |
| Concord 30 Year FHA | 2023-03-23 | 6.14% |
| Concord 30 Year FHA Refi | 2023-03-23 | 5.98% |
| Concord 30 Year USDA | 2023-03-23 | 6.03% |
| Concord 30 Year USDA Refi | 2023-03-23 | 3.58% |
| Concord 30 Year VA | 2023-03-23 | 6.13% |
| Concord 30 Year VA Refi | 2023-03-23 | 5.8% |
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.).
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%) | 1.02 | 669 |
| 2018-10-01 | $309,450 (5.1%) | $388,495 (7.6%) | 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 | 383 |
| 2019-04-01 | $337,518 (2.4%) | $400,940 (6.4%) | 1.07 | 401 |
| 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%) | 1.07 | 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%) | 0.99 | 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%) | 1.03 | 87 |
| 2021-03-01 | $346,975 (-0.6%) | $458,819 (10.1%) | 0.98 | 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%) | 0.99 | 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%) | 1.06 | 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%) | 1.13 | 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%) | 1.02 | 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%) | 1.23 | 121 |
| 2023-02-01 | $522,475 (10.6%) | $561,487 (-5.0%) | 1.26 | 87 |
Concord's median listing price for 2023-02-01 was $522,475, a difference of
$50,075
(10.6%) versus the prior year and
$22,975 versus the prior month.
Concord's median listing price comes in at 126% of the national average.
Concord's average listing price for 2023-02-01 was $561,487, a difference of $-29,739 (-5.0%) versus the prior year and $11,573 versus the prior month.
For the 2023-02-01 period, Concord had 87 MLS listings, a difference of -34 listings (-28%) versus the prior month and 19 listings (28%) versus the prior year.
Concord's median listing price comes in at 126% of the national average.
Concord's average listing price for 2023-02-01 was $561,487, a difference of $-29,739 (-5.0%) versus the prior year and $11,573 versus the prior month.
For the 2023-02-01 period, Concord had 87 MLS listings, a difference of -34 listings (-28%) versus the prior month and 19 listings (28%) 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 | 103 days | 2,192 sqft |
| 2018-02-01 | 109 days | 2,173 sqft |
| 2018-03-01 | 80 days | 2,217 sqft |
| 2018-04-01 | 53 days | 2,209 sqft |
| 2018-05-01 | 45 days | 2,170 sqft |
| 2018-06-01 | 41 days | 2,168 sqft |
| 2018-07-01 | 52 days | 2,187 sqft |
| 2018-08-01 | 57 days | 2,185 sqft |
| 2018-09-01 | 63 days | 2,179 sqft |
| 2018-10-01 | 70 days | 2,214 sqft |
| 2018-11-01 | 81 days | 2,197 sqft |
| 2018-12-01 | 96 days | 2,122 sqft |
| 2019-01-01 | 95 days | 2,152 sqft |
| 2019-02-01 | 101 days | 2,089 sqft |
| 2019-03-01 | 77 days | 2,091 sqft |
| 2019-04-01 | 47 days | 2,115 sqft |
| 2019-05-01 | 44 days | 2,106 sqft |
| 2019-06-01 | 45 days | 2,128 sqft |
| 2019-07-01 | 51 days | 2,082 sqft |
| 2019-08-01 | 54 days | 2,095 sqft |
| 2019-09-01 | 56 days | 2,081 sqft |
| 2019-10-01 | 61 days | 2,080 sqft |
| 2019-11-01 | 72 days | 2,068 sqft |
| 2019-12-01 | 86 days | 1,978 sqft |
| 2020-01-01 | 91 days | 2,026 sqft |
| 2020-02-01 | 75 days | 2,065 sqft |
| 2020-03-01 | 49 days | 2,076 sqft |
| 2020-04-01 | 53 days | 2,139 sqft |
| 2020-05-01 | 57 days | 2,125 sqft |
| 2020-06-01 | 35 days | 2,172 sqft |
| 2020-07-01 | 42 days | 2,199 sqft |
| 2020-08-01 | 46 days | 2,222 sqft |
| 2020-09-01 | 35 days | 2,080 sqft |
| 2020-10-01 | 42 days | 2,001 sqft |
| 2020-11-01 | 48 days | 2,033 sqft |
| 2020-12-01 | 58 days | 1,901 sqft |
| 2021-01-01 | 52 days | 1,846 sqft |
| 2021-02-01 | 31 days | 1,800 sqft |
| 2021-03-01 | 18 days | 1,727 sqft |
| 2021-04-01 | 14 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 | 35 days | 2,130 sqft |
| 2021-09-01 | 34 days | 2,096 sqft |
| 2021-10-01 | 37 days | 1,998 sqft |
| 2021-11-01 | 42 days | 1,947 sqft |
| 2021-12-01 | 50 days | 1,979 sqft |
| 2022-01-01 | 50 days | 1,883 sqft |
| 2022-02-01 | 28 days | 1,952 sqft |
| 2022-03-01 | 15 days | 1,854 sqft |
| 2022-04-01 | 12 days | 1,872 sqft |
| 2022-05-01 | 16 days | 1,922 sqft |
| 2022-06-01 | 13 days | 1,947 sqft |
| 2022-07-01 | 24 days | 2,118 sqft |
| 2022-08-01 | 35 days | 2,104 sqft |
| 2022-09-01 | 41 days | 2,139 sqft |
| 2022-10-01 | 43 days | 2,099 sqft |
| 2022-11-01 | 43 days | 2,058 sqft |
| 2022-12-01 | 57 days | 2,052 sqft |
| 2023-01-01 | 68 days | 2,073 sqft |
| 2023-02-01 | 70 days | 2,022 sqft |
Concord's median listing age (time on market) for 2023-02-01 was 70 days.
This
is 150%
longer
than the same period one year ago.
Concord's median square footage for active listings during the 2023-02-01 period was 2,022 sqft. One year prior, the average listing was 1,952 sqft.
Concord's median square footage for active listings during the 2023-02-01 period was 2,022 sqft. One year prior, the average listing was 1,952 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.