Concord Mortgage Rates

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

30 Year Fixed Rate mortgages in Concord averaged 5.8% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.71% and one month ago for the week of 2022-05-26, the average rate was 5.2%.

Concord's average rate one year ago was 3%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.8%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Concord 30 Year Fixed Rate 2022-06-30 5.8%
Concord 30 Year Fixed Rate Refi 2022-06-30 5.8%
Concord 15 Year Fixed Rate 2022-06-30 5.54%
Concord 15 Year Fixed Rate Refi 2022-06-30 4.96%
Concord 30 Year FHA 2022-06-30 5.78%
Concord 30 Year FHA Refi 2022-06-30 5.77%
Concord 30 Year USDA 2022-06-30 5.28%
Concord 30 Year USDA Refi 2022-06-30 5.87%
Concord 30 Year VA 2022-06-30 5.82%
Concord 30 Year VA Refi 2022-06-30 5.3%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
CMG MORTGAGE, INC. 417 3.06% $3,379
QUICKEN LOANS, LLC 357 3.07% $4,788
RESIDENTIAL MORTGAGE SERVICES, INC. 234 3.15% $3,591
UNITED WHOLESALE MORTGAGE, LLC 193 3.03% $4,244
HARBORONE MORTGAGE, LLC 133 3.12% $3,333
Merrimack County Savings Bank 127 3.13% $2,909
ST. MARY'S BANK 110 3.14% $3,045
LOANDEPOT.COM, LLC 91 3.07% $4,079
Bar Harbor Bank & Trust 85 3.15% $3,257
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 62 3.31% $3,757
AMERISAVE MORTGAGE CORPORATION 60 2.90% $4,763
NEWREZ LLC 58 3.16% $3,738
Citizens Bank 52 3.02% $3,746
ENVOY MORTGAGE, LTD 52 3.22% $4,190
LEADERONE FINANCIAL CORPORATION 50 3.13% $3,662
NEW HAMPSHIRE 48 3.09% $2,614
PENNYMAC LOAN SERVICES, LLC 47 3.13% $4,176
Granite State Credit Union 46 3.21% $4,902
Wells Fargo Bank 46 3.29% $3,829
CROSSCOUNTRY MORTGAGE, LLC 43 3.21% $3,929
GUARANTEED RATE, INC. 43 3.04% $3,513
MOVEMENT MORTGAGE, LLC 42 3.19% $4,995
EMM LOANS LLC 40 3.14% $4,150
TD Bank 39 2.94% $2,571
Bank of America 38 2.78% $3,754
JPMorgan Chase Bank 36 2.89% $4,043
Mr. Cooper ( Nationstar Mortgage ) 36 3.22% $5,410
Mascoma Bank 34 3.12% $4,763
Bank of New Hampshire 32 3.21% $3,582
Service Federal Credit Union 28 3.09% $3,005
GUILD MORTGAGE COMPANY 26 3.40% $3,694
BROKER SOLUTIONS, INC. 26 3.01% $4,341
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 24 3.19% $4,012
DIGITAL Federal Credit Union 22 2.93% $5,268
Bangor Savings Bank 22 3.11% $3,160
Mortgage Network, Inc. 22 3.04% $3,779
NORTHPOINT MORTGAGE, INC. 20 3.02% $3,613
MORTGAGE EQUITY PARTNERS LLC 19 3.14% $3,281
GUARANTEED RATE AFFINITY, LLC 17 3.23% $3,421
NORTHEAST CREDIT UNION 17 3.18% $4,566
RADIUS FINANCIAL GROUP INC. 17 2.95% $3,757
BELLWETHER COMMUNITY 16 3.05% $4,694
Flagstar Bank, FSB 16 3.21% $3,578
FREEDOM MORTGAGE CORPORATION 16 3.27% $2,075
Leader Bank 16 2.85% $3,287
Meredith Village Savings Bank 16 3.36% $2,663
NEW FED MORTGAGE, CORP. 16 2.90% $3,086
PRIMARY RESIDENTIAL MORTGAGE, INC. 16 3.37% $5,171
First Guaranty Mortgage Corporation 15 3.14% $4,715
HOME POINT FINANCIAL CORPORATION 15 3.43% $2,536
LENDUS, LLC 15 3.17% $3,021
EMBRACE HOME LOANS, INC. 14 3.12% $3,065
U.S. Bank 13 3.17% $2,745
Waterstone Mortgage Corporation 12 3.35% $4,542
Triangle Credit Union 11 3.23% $2,328
TOTAL MORTGAGE SERVICES, LLC 11 3.20% $4,452
Envision Bank 11 3.13% $2,579
NAVY FEDERAL CREDIT UNION 11 3.18% $3,421
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 11 2.91% $3,879
PRIMELENDING, A PLAINSCAPITAL COMPANY 11 3.23% $5,156
LAKEVIEW LOAN SERVICING, LLC 10 3.45% $1,772
The Federal Savings Bank 10 3.29% $5,717
Northway Bank 9 3.22% $3,061
EVERETT FINANCIAL, INC. 8 3.53% $2,116
RELIANCE FIRST CAPITAL, LLC 8 3.25% $7,805
SALEM FIVE MORTGAGE COMPANY, LLC 8 2.98% $3,935
STEARNS LENDING, LLC 8 2.87% $3,319
CALIBER HOME LOANS, INC. 8 3.16% $3,321
ARC HOME LLC 7 2.85% $6,530
AMERICAN FINANCING CORPORATION 7 3.09% $4,461
DRAPER AND KRAMER MORTGAGE CORP. 7 3.09% $2,973
HOMEBRIDGE FINANCIAL SERVICES, INC. 7 3.00% $4,465
First Home Bank 6 3.19% $7,041
Sierra Pacific Mortgage Company, Inc. 6 3.23% $4,253
BAY EQUITY LLC 6 3.23% $5,998
ZILLOW HOME LOANS, LLC 6 3.10% $4,262
HOMESIDE FINANCIAL, LLC 5 3.28% $3,690
Carrington Mortgage Services, LLC 5 3.30% $3,963
NBKC BANK 5 2.82% $2,335
MUTUAL OF OMAHA MORTGAGE, INC. 5 3.28% $5,284
Santander Bank, N.A. 5 2.92% $2,866
MERRIMACK VALLEY 4 3.03% $2,426
Home Loan Investment Bank, F.S.B. 4 3.47% $3,788
Century Mortgage Company DBA Century Lending Company 4 3.03% $3,976
Paramount Residential Mortgage Group, Inc. 4 3.44% $3,639
PENTAGON FEDERAL CREDIT UNION 4 3.00% $3,252
KeyBank 4 2.95% $3,671
Enterprise Bank and Trust Company 4 3.03% $3,353
SOFI LENDING CORP. 4 3.13% $3,631
First Republic Bank 4 2.80% $4,116
Chicago Mortgage Solutions LLC 4 2.83% $1,500
Morgan Stanley Private Bank 4 2.74% $3,867
NBT Bank 4 3.09% $3,372
Wyndham Capital Mortgage, Inc. 4 2.72% $2,861
RTN FEDERAL CREDIT UNION 3 3.13% $2,680
Rockland Trust Company 3 2.83% $4,311
TIAA, FSB 3 3.21% $3,348
Quontic Bank 3 5.63% $7,444
KELLER MORTGAGE, LLC 3 3.00% $1,863
WASHINGTON TRUST MORTGAGE COMPANY LLC 3 2.88% $4,730
Jeanne D'Arc Credit Union 3 3.00% $1,745
ACADEMY MORTGAGE CORPORATION 3 3.25% $3,607
Farm Credit East, ACA 3 3.55% $4,838
CHURCHILL MORTGAGE CORPORATION 3 3.12% $6,478
North American Savings Bank, F.S.B. 3 3.50% $4,182
People's United Bank 3 3.08% $3,426
Cambridge Trust Company 3 2.83% $3,877
HOMESTEAD FUNDING CORP. 3 2.88% $3,854
AmeriHome Mortgage Company, LLC 3 3.46% $3,734
SPRING EQ, LLC 3 3.08% $0
Cf Bank 3 2.83% $1,858
OCMBC, INC. 2 3.00% $7,823
Equity Prime Mortgage LLC 2 3.31% $4,024
RUOFF MORTGAGE COMPANY, INC. 2 3.00% $2,431
EQUITY RESOURCES, INC. 2 2.88% $3,555
NEW ENGLAND FEDERAL CREDIT UNION 2 2.94% $4,260
PHH Mortgage Corporation 2 3.38% $8,561
First Internet Bank of Indiana 2 2.75% $2,568
First National Bank of America 2 7.94% $8,812
Republic State Mortgage Co. 2 3.00% $4,154
The Huntington National Bank 2 3.13% $4,013
LENDERFI, INC. 2 2.69% $1,263
BAYCOAST MORTGAGE COMPANY, LLC 2 3.25% $3,484
Institution for Savings in Newburyport and Its Vicinity 2 2.81% $4,713
Northern Bank & Trust Company 2 3.19% $2,589
MEMBERS MORTGAGE COMPANY, INC. 2 2.75% $3,144
First Savings Bank 2 3.00% $6,418
USAA Federal Savings Bank 2 2.94% $4,421
FINANCE OF AMERICA MORTGAGE LLC 2 3.06% $5,139
BNC National Bank 2 3.19% $2,574
Bank of England 2 3.38% $5,213
GUARANTY HOME MORTGAGE CORPORATION 2 2.88% $5,918
CUSO MORTGAGE CORPORATION 1 3.13% $4,138
DREW MORTGAGE ASSOCIATES, INC. 1 2.75% $2,899
Eastern Bank 1 3.25% $3,681
Charles Schwab Bank, SSB 1 3.00% $5,710
Evolve Bank & Trust 1 3.50% $9,073
Fall River Five Cents Savings Bank 1 3.13% $2,116
FINANCIAL RESOURCES FEDERAL CREDIT UNION 1 3.25% $2,661
First Federal Bank 1 3.13% $1,766
First Federal Bank of Kansas City 1 3.00% $2,938
Webster Bank 1 3.00% $4,903
HANSCOM 1 3.13% $2,921
CALCON MUTUAL MORTGAGE LLC 1 2.88% $3,953
HOMESPIRE MORTGAGE CORPORATION 1 2.25% $3,674
INLAND BANK & TRUST 1 3.50% $4,304
INTEGRITY MORTGAGE LLC 1 2.88% $3,322
InterContinental Capital Group, Inc 1 3.25% $3,302
Boston Private Bank & Trust Company 1 2.50% $7,537
KS StateBank 1 2.50% $2,709
A&D Mortgage LLC 1 4.99% $14,939
BNY Mellon 1 2.63% $7,070
LENDSURE MORTGAGE CORP. 1 4.88% $11,085
Luxury Mortgage Corp. 1 3.00% $2,467
Magnolia Bank 1 3.88% $7,609
Manufacturers and Traders Trust Company 1 3.25% $3,020
Berkshire Bank 1 2.63% $4,498
WILLIAM RAVEIS MORTGAGE, LLC 1 2.63% $3,515
Meridian Bank Corporation 1 3.50% $4,298
Midwest Community Bank 1 2.88% $2,847
Mortgage Assurance Inc. 1 3.00% $4,569
Mortgage Research Center, LLC 1 2.75% $1,361
Bank of Whittier 1 2.78% $4,127
MSA MORTGAGE, LLC 1 3.13% $3,308
Nations Lending Corporation 1 3.13% $3,924
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.88% $7,502
Navigant Credit Union 1 3.50% $2,574
Avidia Bank 1 3.25% $2,210
Atlantic Home Lending, Inc. 1 2.88% $2,293
NFM, INC. 1 3.38% $3,907
NORTHEAST HOME LOAN, LLC 1 3.50% $3,408
Northpointe Bank 1 3.13% $4,515
North Shore Bank, a Co-operative Bank 1 2.88% $2,762
NORWICH COMMERCIAL GROUP, INC. 1 3.00% $3,775
Amerifirst Financial, Inc. 1 3.38% $2,890
Pinnacle Bank 1 2.75% $3,303
PLANET HOME LENDING, LLC 1 3.25% $4,826
Platinum Home Mortgage Corporation 1 3.25% $2,562
PREMIA MORTGAGE, LLC 1 2.99% $0
AMERICAN INTERNET MORTGAGE, INC. 1 2.38% $4,409
Raymond James Bank 1 2.75% $3,464
RESIDENTIAL BANCORP. 1 2.75% $2,405
AMERICAN FINANCIAL NETWORK, INC. 1 3.13% $19,864
ALLIED MORTGAGE GROUP, INC. 1 2.88% $3,052
Shamrock Home Loans, Inc. 1 3.13% $3,843
SIRVA MORTGAGE, INC. 1 3.38% $2,901
Stifel Bank and Trust 1 3.38% $3,212
ALLIANT CREDIT UNION 1 3.13% $4,600
SUCCESS MORTGAGE PARTNERS, INC. 1 3.63% $3,352
SUN WEST MORTGAGE COMPANY, INC. 1 3.00% $3,022
ALIGN CREDIT UNION 1 3.13% $3,034
The Camden National Bank 1 3.13% $2,306
Truist Bank 1 2.88% $3,259
UBS Bank USA 1 2.63% $3,491
Alerus Financial 1 3.13% $2,096
City National Bank 1 2.31% $3,265
Citibank 1 2.50% $3,638
Community First National Bank 1 3.38% $2,769
CONTOUR MORTGAGE CORPORATION 1 3.25% $9,985

Concord, NH's 199 lenders originated 7,729 loans during 2021. The total origination value was $1,940,145,000, with an average loan value of $251,021.

The top Concord lender as defined by loan originations is CMG MORTGAGE, INC., with 417 loans originated. Their average total fees are $3,379, which is $1,408 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Concord lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC ($1,772), FREEDOM MORTGAGE CORPORATION ($2,075), Triangle Credit Union ($2,328), HOME POINT FINANCIAL CORPORATION ($2,536) and TD Bank ($2,571).

The lowest rate Concord lenders (with over 10 loans originated) are Bank of America (2.78%), Leader Bank (2.85%), JPMorgan Chase Bank (2.89%), AMERISAVE MORTGAGE CORPORATION (2.90%) and NEW FED MORTGAGE, CORP. (2.90%).

Concord, NH Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
CMG MORTGAGE, INC. $178,685,000 $195,320,000 9.3% 10.1%
QUICKEN LOANS, LLC $157,930,000 $178,950,000 13.3% 9.2%
RESIDENTIAL MORTGAGE SERVICES, INC. $121,810,000 $99,335,000 -18.5% 5.1%
UNITED WHOLESALE MORTGAGE, LLC $54,510,000 $89,650,000 64.5% 4.6%
Citizens Bank $50,835,000 $70,915,000 39.5% 3.7%
Merrimack County Savings Bank $90,940,000 $70,505,000 -22.5% 3.6%
ST. MARY'S BANK $61,190,000 $66,395,000 8.5% 3.4%
HARBORONE MORTGAGE, LLC $63,455,000 $62,720,000 -1.2% 3.2%
LOANDEPOT.COM, LLC $24,105,000 $42,795,000 77.5% 2.2%
Bar Harbor Bank & Trust $54,375,000 $41,940,000 -22.9% 2.2%
FREEDOM MORTGAGE CORPORATION $45,010,000 $38,475,000 -14.5% 2.0%
PENNYMAC LOAN SERVICES, LLC $13,710,000 $33,205,000 142.2% 1.7%
NEWREZ LLC $19,455,000 $32,865,000 68.9% 1.7%
Wells Fargo Bank $22,635,000 $29,255,000 29.2% 1.5%
Mr. Cooper ( Nationstar Mortgage ) $23,215,000 $28,995,000 24.9% 1.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $26,790,000 $24,600,000 -8.2% 1.3%
AMERISAVE MORTGAGE CORPORATION $14,605,000 $23,930,000 63.8% 1.2%
LEADERONE FINANCIAL CORPORATION $18,880,000 $23,045,000 22.1% 1.2%
Mascoma Bank $26,935,000 $22,885,000 -15.0% 1.2%
TD Bank $22,115,000 $22,455,000 1.5% 1.2%
CROSSCOUNTRY MORTGAGE, LLC $22,660,000 $22,425,000 -1.0% 1.2%
Kennebunk Savings Bank $185,000 $22,225,000 11,913.5% 1.1%
NEW HAMPSHIRE $21,365,000 $21,425,000 0.3% 1.1%
ENVOY MORTGAGE, LTD $21,715,000 $20,285,000 -6.6% 1.0%
Bank of America $15,680,000 $20,035,000 27.8% 1.0%
Granite State Credit Union $19,840,000 $19,880,000 0.2% 1.0%
Mortgage Research Center, LLC $20,635,000 $19,680,000 -4.6% 1.0%
GUARANTEED RATE, INC. $13,865,000 $19,445,000 40.2% 1.0%
EMM LOANS LLC $19,695,000 $17,795,000 -9.6% 0.9%
MOVEMENT MORTGAGE, LLC $15,640,000 $17,375,000 11.1% 0.9%
JPMorgan Chase Bank $16,375,000 $17,070,000 4.2% 0.9%
Franklin Savings Bank $12,235,000 $15,275,000 24.8% 0.8%
LAKEVIEW LOAN SERVICING, LLC $7,900,000 $14,980,000 89.6% 0.8%
Service Federal Credit Union $18,405,000 $14,635,000 -20.5% 0.8%
Bank of New Hampshire $20,290,000 $14,200,000 -30.0% 0.7%
DIGITAL Federal Credit Union $12,935,000 $12,180,000 -5.8% 0.6%
BROKER SOLUTIONS, INC. $5,335,000 $12,150,000 127.7% 0.6%
Bangor Savings Bank $10,685,000 $11,945,000 11.8% 0.6%
Northway Bank $18,280,000 $11,690,000 -36.1% 0.6%
NORTHPOINT MORTGAGE, INC. $11,285,000 $11,135,000 -1.3% 0.6%
BELLWETHER COMMUNITY $9,030,000 $11,060,000 22.5% 0.6%
NAVY FEDERAL CREDIT UNION $8,310,000 $11,045,000 32.9% 0.6%
NORTHEAST CREDIT UNION $13,460,000 $10,255,000 -23.8% 0.5%
HOME POINT FINANCIAL CORPORATION $10,255,000 $10,125,000 -1.3% 0.5%
Mortgage Network, Inc. $6,165,000 $9,570,000 55.2% 0.5%
GUILD MORTGAGE COMPANY $155,000 $9,200,000 5,835.5% 0.5%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $3,615,000 $8,955,000 147.7% 0.5%
LENDUS, LLC $1,500,000 $8,350,000 456.7% 0.4%
MORTGAGE EQUITY PARTNERS LLC $14,205,000 $8,080,000 -43.1% 0.4%
The Federal Savings Bank $6,935,000 $7,935,000 14.4% 0.4%
GUARANTEED RATE AFFINITY, LLC $3,305,000 $7,565,000 128.9% 0.4%
RADIUS FINANCIAL GROUP INC. $6,480,000 $7,035,000 8.6% 0.4%
EMBRACE HOME LOANS, INC. $9,880,000 $7,000,000 -29.1% 0.4%
Flagstar Bank, FSB $4,155,000 $6,955,000 67.4% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $9,325,000 $6,870,000 -26.3% 0.4%
CALIBER HOME LOANS, INC. $11,540,000 $6,650,000 -42.4% 0.3%
NEW FED MORTGAGE, CORP. $3,945,000 $6,595,000 67.2% 0.3%
First Guaranty Mortgage Corporation $5,895,000 $6,555,000 11.2% 0.3%
RELIANCE FIRST CAPITAL, LLC $3,750,000 $6,450,000 72.0% 0.3%
Leader Bank $5,300,000 $6,045,000 14.1% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $6,240,000 $5,985,000 -4.1% 0.3%
Meredith Village Savings Bank $7,520,000 $5,930,000 -21.1% 0.3%
U.S. Bank $6,225,000 $5,780,000 -7.1% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $7,330,000 $5,705,000 -22.2% 0.3%
Waterstone Mortgage Corporation $6,760,000 $5,685,000 -15.9% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $6,365,000 $5,270,000 -17.2% 0.3%
ARC HOME LLC $3,805,000 $4,870,000 28.0% 0.3%
NEW DAY FINANCIAL, LLC $4,735,000 $4,685,000 -1.1% 0.2%
Triangle Credit Union $13,635,000 $4,535,000 -66.7% 0.2%
Members First Credit Union N.H. $1,940,000 $4,430,000 128.4% 0.2%
DRAPER AND KRAMER MORTGAGE CORP. $3,340,000 $4,400,000 31.7% 0.2%
USAA Federal Savings Bank $12,570,000 $4,400,000 -65.0% 0.2%
TOTAL MORTGAGE SERVICES, LLC $4,790,000 $4,210,000 -12.1% 0.2%
NBT Bank $1,750,000 $3,740,000 113.7% 0.2%
STEARNS LENDING, LLC $3,535,000 $3,695,000 4.5% 0.2%
Carrington Mortgage Services, LLC $3,615,000 $3,615,000 0.0% 0.2%
Envision Bank $4,395,000 $3,375,000 -23.2% 0.2%
Eastern Bank $28,030,000 $3,275,000 -88.3% 0.2%
Morgan Stanley Private Bank $1,240,000 $3,240,000 161.3% 0.2%
NBKC BANK $610,000 $3,235,000 430.3% 0.2%
People's United Bank $2,195,000 $3,180,000 44.9% 0.2%
EVERETT FINANCIAL, INC. $6,165,000 $3,150,000 -48.9% 0.2%
Santander Bank, N.A. $4,695,000 $3,085,000 -34.3% 0.2%
First Republic Bank $1,160,000 $3,070,000 164.7% 0.2%
North American Savings Bank, F.S.B. $975,000 $2,965,000 204.1% 0.2%
PENTAGON FEDERAL CREDIT UNION $535,000 $2,820,000 427.1% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,970,000 $2,780,000 41.1% 0.1%
BAY EQUITY LLC $1,540,000 $2,770,000 79.9% 0.1%
Cambridge Trust Company $3,455,000 $2,705,000 -21.7% 0.1%
HOMESIDE FINANCIAL, LLC $2,670,000 n/a 0.1%
SALEM FIVE MORTGAGE COMPANY, LLC $3,935,000 $2,580,000 -34.4% 0.1%
Wyndham Capital Mortgage, Inc. $1,470,000 $2,565,000 74.5% 0.1%
Boston Private Bank & Trust Company $2,505,000 n/a 0.1%
SIS BANCORP, MHC $2,425,000 n/a 0.1%
Charles Schwab Bank, SSB $875,000 $2,350,000 168.6% 0.1%
SOFI LENDING CORP. $2,325,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $3,400,000 $2,320,000 -31.8% 0.1%
AMERICAN FINANCING CORPORATION $980,000 $2,285,000 133.2% 0.1%
ZILLOW HOME LOANS, LLC $2,250,000 n/a 0.1%
HOMESTEAD FUNDING CORP. $2,055,000 $2,085,000 1.5% 0.1%
BNY Mellon $1,005,000 $2,005,000 99.5% 0.1%
BNC National Bank $1,360,000 $2,000,000 47.1% 0.1%
Jeanne D'Arc Credit Union $915,000 $1,915,000 109.3% 0.1%
KeyBank $1,205,000 $1,855,000 53.9% 0.1%
Paramount Residential Mortgage Group, Inc. $670,000 $1,830,000 173.1% 0.1%
Century Mortgage Company DBA Century Lending Company $1,790,000 n/a 0.1%
REVERSE MORTGAGE FUNDING LLC $520,000 $1,790,000 244.2% 0.1%
Enterprise Bank and Trust Company $2,730,000 $1,760,000 -35.5% 0.1%
Rockland Trust Company $765,000 $1,750,000 128.8% 0.1%
CHURCHILL MORTGAGE CORPORATION $715,000 $1,660,000 132.2% 0.1%
WASHINGTON TRUST MORTGAGE COMPANY LLC $1,665,000 $1,605,000 -3.6% 0.1%
Barrington Bank & Trust Company, N.A. $3,360,000 $1,515,000 -54.9% 0.1%
Commerce Bank $1,505,000 n/a 0.1%
First Home Bank $165,000 $1,490,000 803.0% 0.1%
Home Loan Investment Bank, F.S.B. $1,870,000 $1,485,000 -20.6% 0.1%
Chicago Mortgage Solutions LLC $1,430,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $525,000 $1,380,000 162.9% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,475,000 $1,365,000 -7.5% 0.1%
Cf Bank $935,000 $1,345,000 43.9% 0.1%
Salem Co-Operative Bank $1,210,000 $1,320,000 9.1% 0.1%
Webster Bank $1,085,000 $1,305,000 20.3% 0.1%
The Camden National Bank $1,005,000 $1,190,000 18.4% 0.1%
TIAA, FSB $2,030,000 $1,155,000 -43.1% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $1,140,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $1,710,000 $1,070,000 -37.4% 0.1%
MERRIMACK VALLEY $480,000 $1,070,000 122.9% 0.1%
Citibank $400,000 $1,045,000 161.3% 0.1%
BAYCOAST MORTGAGE COMPANY, LLC $1,040,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $1,370,000 $1,030,000 -24.8% 0.1%
KELLER MORTGAGE, LLC $2,385,000 $1,020,000 -57.2% 0.1%
ACADEMY MORTGAGE CORPORATION $600,000 $1,015,000 69.2% 0.1%
NEW ENGLAND FEDERAL CREDIT UNION $785,000 $1,005,000 28.0% 0.1%
Berkshire Bank $1,195,000 $995,000 -16.7% 0.1%
SPRING EQ, LLC $300,000 $950,000 216.7% 0.0%
First Savings Bank $1,065,000 $940,000 -11.7% 0.0%
OCMBC, INC. $185,000 $935,000 405.4% 0.0%
Northern Bank & Trust Company $2,515,000 $915,000 -63.6% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $185,000 $905,000 389.2% 0.0%
HANSCOM $465,000 $905,000 94.6% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $900,000 n/a 0.0%
EQUITY RESOURCES, INC. $890,000 n/a 0.0%
PHH Mortgage Corporation $1,700,000 $870,000 -48.8% 0.0%
Low VA Rates, LLC $295,000 $850,000 188.1% 0.0%
Poli Mortgage Group, Inc. $1,230,000 $805,000 -34.6% 0.0%
Quontic Bank $295,000 $785,000 166.1% 0.0%
Meridian Bank Corporation $275,000 $780,000 183.6% 0.0%
NORWICH COMMERCIAL GROUP, INC. $860,000 $775,000 -9.9% 0.0%
The Huntington National Bank $770,000 n/a 0.0%
First Internet Bank of Indiana $205,000 $765,000 273.2% 0.0%
LENDERFI, INC. $795,000 $760,000 -4.4% 0.0%
BayCoast Bank $580,000 $750,000 29.3% 0.0%
21ST MORTGAGE CORPORATION $835,000 $745,000 -10.8% 0.0%
UBS Bank USA $755,000 $740,000 -2.0% 0.0%
Northpointe Bank $1,100,000 $730,000 -33.6% 0.0%
NORTHEAST HOME LOAN, LLC $530,000 $710,000 34.0% 0.0%
Figure Lending LLC $135,000 $700,000 418.5% 0.0%
Equity Prime Mortgage LLC $510,000 $670,000 31.4% 0.0%
MEMBERS MORTGAGE COMPANY, INC. $1,160,000 $650,000 -44.0% 0.0%
Raymond James Bank $635,000 n/a 0.0%
RTN FEDERAL CREDIT UNION $635,000 n/a 0.0%
City National Bank $625,000 n/a 0.0%
The Lowell Five Cent Savings Bank $920,000 $595,000 -35.3% 0.0%
Truist Bank $670,000 $595,000 -11.2% 0.0%
First Federal Bank $730,000 $585,000 -19.9% 0.0%
Brighton Bank $580,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $440,000 $570,000 29.5% 0.0%
Discover Bank $595,000 $555,000 -6.7% 0.0%
PLANET HOME LENDING, LLC $975,000 $550,000 -43.6% 0.0%
First National Bank of America $545,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $540,000 n/a 0.0%
Magnolia Bank $560,000 $540,000 -3.6% 0.0%
TJC Mortgage, Inc. $535,000 n/a 0.0%
Institution for Savings in Newburyport and Its Vicinity $295,000 $530,000 79.7% 0.0%
First Seacoast Bank $285,000 $520,000 82.5% 0.0%
Northmark Bank $520,000 n/a 0.0%
Katahdin Trust Company $515,000 n/a 0.0%
Republic State Mortgage Co. $1,585,000 $515,000 -67.5% 0.0%
Farm Credit East, ACA $1,245,000 $505,000 -59.4% 0.0%
PREMIA MORTGAGE, LLC $415,000 $505,000 21.7% 0.0%
Bank of England $1,785,000 $500,000 -72.0% 0.0%
Strong Home Mortgage, LLC $485,000 n/a 0.0%
Nations Lending Corporation $1,015,000 $475,000 -53.2% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $780,000 $460,000 -41.0% 0.0%
Community First National Bank $205,000 $460,000 124.4% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $455,000 n/a 0.0%
The Central Trust Bank $435,000 n/a 0.0%
UNION HOME MORTGAGE CORP. $115,000 $405,000 252.2% 0.0%
DREW MORTGAGE ASSOCIATES, INC. $265,000 $400,000 50.9% 0.0%
Evolve Bank & Trust $275,000 $395,000 43.6% 0.0%
OCEANSIDE MORTGAGE COMPANY $390,000 n/a 0.0%
ALIGN CREDIT UNION $215,000 $385,000 79.1% 0.0%
AMERICAN ADVISORS GROUP $415,000 $385,000 -7.2% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $135,000 $375,000 177.8% 0.0%
Pinnacle Bank $375,000 n/a 0.0%
CENTRAL ONE FEDERAL CREDIT UNION $755,000 $365,000 -51.7% 0.0%
NFM, INC. $365,000 n/a 0.0%
Shamrock Home Loans, Inc. $370,000 $365,000 -1.4% 0.0%
INTEGRITY MORTGAGE LLC $560,000 $345,000 -38.4% 0.0%
SIRVA MORTGAGE, INC. $335,000 $345,000 3.0% 0.0%
Midwest Community Bank $335,000 n/a 0.0%
Peoples Bank $335,000 n/a 0.0%
Washington Trust Bank $285,000 $335,000 17.5% 0.0%
ACCELERATE MORTGAGE, LLC $770,000 $325,000 -57.8% 0.0%
A&D Mortgage LLC $325,000 n/a 0.0%
Bank of Whittier $325,000 n/a 0.0%
Stifel Bank and Trust $1,645,000 $325,000 -80.2% 0.0%
Fall River Five Cents Savings Bank $510,000 $320,000 -37.3% 0.0%
Manufacturers and Traders Trust Company $260,000 $320,000 23.1% 0.0%
Amerifirst Financial, Inc. $315,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $315,000 n/a 0.0%
INLAND BANK & TRUST $310,000 $315,000 1.6% 0.0%
ALLIED MORTGAGE GROUP, INC. $305,000 n/a 0.0%
Avidia Bank $305,000 n/a 0.0%
HOMESPIRE MORTGAGE CORPORATION $305,000 n/a 0.0%
NP, Inc. $715,000 $305,000 -57.3% 0.0%
Prime Choice Funding Inc. $1,390,000 $305,000 -78.1% 0.0%
Paramount Bank $295,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $255,000 $295,000 15.7% 0.0%
T2 FINANCIAL LLC $295,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $695,000 $275,000 -60.4% 0.0%
Triumph Bank $205,000 $275,000 34.1% 0.0%
Luxury Mortgage Corp. $965,000 $265,000 -72.5% 0.0%
Mortgage Assurance Inc. $325,000 $265,000 -18.5% 0.0%
Navigant Credit Union $265,000 n/a 0.0%
ATHAS CAPITAL GROUP, INC. $255,000 n/a 0.0%
CUSO MORTGAGE CORPORATION $255,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $365,000 $255,000 -30.1% 0.0%
MSA MORTGAGE, LLC $255,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $695,000 $255,000 -63.3% 0.0%
TOGETHER CREDIT UNION $440,000 $255,000 -42.0% 0.0%
Axos Bank $245,000 n/a 0.0%
Haverhill Bank $245,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $245,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $245,000 n/a 0.0%
Alerus Financial $235,000 n/a 0.0%
WILLIAM RAVEIS MORTGAGE, LLC $235,000 n/a 0.0%
FINANCIAL RESOURCES FEDERAL CREDIT UNION $215,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $215,000 n/a 0.0%
Platinum Home Mortgage Corporation $215,000 n/a 0.0%
ALLIANT CREDIT UNION $115,000 $205,000 78.3% 0.0%
Atlantic Home Lending, Inc. $205,000 n/a 0.0%
First Federal Bank of Kansas City $485,000 $205,000 -57.7% 0.0%
Plains Commerce Bank $205,000 n/a 0.0%
CALCON MUTUAL MORTGAGE LLC $195,000 n/a 0.0%
RESIDENTIAL BANCORP. $185,000 n/a 0.0%
UNITED MORTGAGE CORP. $175,000 n/a 0.0%
KS StateBank $1,625,000 $165,000 -89.8% 0.0%
NESC $155,000 n/a 0.0%
InterContinental Capital Group, Inc $885,000 $145,000 -83.6% 0.0%
PNC Bank $930,000 $145,000 -84.4% 0.0%
Workers Credit Union $190,000 $110,000 -42.1% 0.0%
LOGIX FEDERAL CREDIT UNION $935,000 $105,000 -88.8% 0.0%
North Shore Bank, a Co-operative Bank $95,000 n/a 0.0%
GREENWOOD $65,000 n/a 0.0%
OCEAN STATE CREDIT UNION $225,000 $65,000 -71.1% 0.0%
ONE Credit Union $65,000 n/a 0.0%
Salem Five Cents Savings Bank $575,000 $65,000 -88.7% 0.0%
HarborOne Bank $35,000 n/a 0.0%
BMO Harris Bank $25,000 n/a 0.0%
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION $25,000 $25,000 0.0% 0.0%

Concord's top lender by overall market share is CMG MORTGAGE, INC., with 10.1% market share. In second place, with 9.2%, is QUICKEN LOANS, LLC, having originated $178,950,000 in loans. In third place, with 5.1%, is RESIDENTIAL MORTGAGE SERVICES, INC., having originated $99,335,000 in loans. In third place, with 4.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $89,650,000 in loans. In third place, with 3.7%, is Citizens Bank, having originated $70,915,000 in loans.


Concord, NH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 2,980 $709,230,000 $237,997
Home Purchase 2,260 $695,800,000 $307,876
Cash Out Refi 1,890 $456,090,000 $241,317
Home Improvement 386 $43,390,000 $112,409
Other 213 $35,635,000 $167,300

Concord's most frequently cited loan purpose was Refi, with 2,980 originations. The 2nd most popular reason was Home Purchase, with 2,260 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 3,278 $844,210,000 $257,538
3-4% 2,535 $653,395,000 $257,750
<2.5% 1,433 $343,105,000 $239,431
4-5% 201 $37,175,000 $184,950
5-6% 82 $7,100,000 $86,585
6-7% 42 $2,870,000 $68,333
Over 8% 20 $1,530,000 $76,500
7-8% 19 $1,675,000 $88,158

During 2021, Concord's most frequently originated rate bucket was 2.5-3%, with 3,278 originations.

Loan Sizing (Concord, NH MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 4,116 $1,133,680,000 $275,432
$100k-200k 2,333 $360,835,000 $154,666
$400k-600k 619 $290,255,000 $468,910
$100,000 or less 551 $33,705,000 $61,171
$600k-1000k 82 $59,320,000 $723,415
$Over $1MM 28 $62,350,000 $2,226,786

Concord's loan sizing saw the bucket of loans from $200k-400k with 4,116 originations, totaling $1,133,680,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 2,879 $790,145,000 $274,451
80-100% 1,988 $604,480,000 $304,064
40-60% 1,535 $326,675,000 $212,818
20-40% 650 $85,950,000 $132,231
Under 20% 304 $16,020,000 $52,697
Over 100% 52 $18,640,000 $358,462

Concord's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,879 originations, totaling $790,145,000 in origination value.


Market Conditions (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 $304,950 (16.4%) $375,003 (18.9%) 1.12 419
2018-02-01 $320,500 (16.8%) $383,424 (18.9%) 1.16 368
2018-03-01 $329,900 (17.9%) $371,087 (12.3%) 1.14 360
2018-04-01 $327,450 (19.1%) $373,230 (10.3%) 1.10 432
2018-05-01 $319,700 (10.3%) $371,615 (5.0%) 1.07 507
2018-06-01 $309,500 (3.5%) $378,898 (4.4%) 1.03 592
2018-07-01 $304,950 (3.4%) $374,289 (3.2%) 1.02 620
2018-08-01 $299,950 (0.3%) $375,964 (3.5%) 1.00 648
2018-09-01 $299,999 (3.8%) $378,669 (5.6%) 1.00 680
2018-10-01 $305,000 (3.7%) $378,733 (5.3%) 1.02 661
2018-11-01 $299,950 (5.1%) $378,074 (6.6%) 1.01 567
2018-12-01 $299,900 (3.5%) $375,288 (4.3%) 1.03 473
2019-01-01 $299,700 (-1.7%) $380,020 (1.3%) 1.03 396
2019-02-01 $307,450 (-4.1%) $390,424 (1.8%) 1.03 371
2019-03-01 $323,857 (-1.8%) $390,876 (5.3%) 1.06 384
2019-04-01 $337,107 (3.0%) $394,979 (5.8%) 1.06 409
2019-05-01 $321,900 (0.7%) $377,084 (1.5%) 0.99 475
2019-06-01 $320,000 (3.4%) $402,684 (6.3%) 0.98 509
2019-07-01 $316,950 (3.9%) $402,586 (7.6%) 0.99 516
2019-08-01 $316,243 (5.4%) $405,302 (7.8%) 1.00 507
2019-09-01 $304,900 (1.6%) $395,975 (4.6%) 0.97 504
2019-10-01 $304,950 (0.0%) $387,720 (2.4%) 0.97 478
2019-11-01 $300,000 (0.0%) $384,214 (1.6%) 0.97 409
2019-12-01 $299,450 (-0.2%) $374,325 (-0.3%) 1.00 337
2020-01-01 $300,000 (0.1%) $387,427 (2.0%) 1.00 271
2020-02-01 $329,000 (7.0%) $402,637 (3.1%) 1.06 256
2020-03-01 $332,450 (2.7%) $400,300 (2.4%) 1.04 282
2020-04-01 $348,700 (3.4%) $402,364 (1.9%) 1.09 290
2020-05-01 $349,000 (8.4%) $404,093 (7.2%) 1.06 274
2020-06-01 $366,950 (14.7%) $445,107 (10.5%) 1.07 285
2020-07-01 $364,950 (15.1%) $450,996 (12.0%) 1.05 246
2020-08-01 $369,000 (16.7%) $445,339 (9.9%) 1.05 236
2020-09-01 $351,000 (15.1%) $421,918 (6.6%) 1.00 244
2020-10-01 $329,900 (8.2%) $416,669 (7.5%) 0.94 236
2020-11-01 $339,450 (13.2%) $434,165 (13.0%) 0.97 183
2020-12-01 $329,900 (10.2%) $431,680 (15.3%) 0.97 148
2021-01-01 $330,000 (10.0%) $431,918 (11.5%) 0.97 103
2021-02-01 $350,000 (6.4%) $460,739 (14.4%) 1.01 88
2021-03-01 $344,450 (3.6%) $446,851 (11.6%) 0.97 102
2021-04-01 $372,450 (6.8%) $468,667 (16.5%) 1.00 117
2021-05-01 $375,000 (7.5%) $494,090 (22.3%) 0.99 168
2021-06-01 $379,450 (3.4%) $494,821 (11.2%) 0.99 213
2021-07-01 $418,700 (14.7%) $546,748 (21.2%) 1.09 215
2021-08-01 $389,900 (5.7%) $529,774 (19.0%) 1.02 205
2021-09-01 $387,450 (10.4%) $504,556 (19.6%) 1.02 198
2021-10-01 $389,900 (18.2%) $506,041 (21.5%) 1.03 185
2021-11-01 $402,450 (18.6%) $524,659 (20.8%) 1.06 144
2021-12-01 $439,500 (33.2%) $524,910 (21.6%) 1.17 105
2022-01-01 $399,900 (21.2%) $510,902 (18.3%) 1.07 89
2022-02-01 $464,900 (32.8%) $575,778 (25.0%) 1.18 73
2022-03-01 $427,000 (24.0%) $522,783 (17.0%) 1.05 97
2022-04-01 $439,000 (17.9%) $602,637 (28.6%) 1.03 120
2022-05-01 $449,950 (20.0%) $563,308 (14.0%) 1.01 139
2022-06-01 $457,400 (20.5%) $580,777 (17.4%) 1.02 194
Concord's median listing price for 2022-06-01 was $457,400, a difference of $77,950 (20.5%) versus the prior year and $7,450 versus the prior month.

Concord's median listing price comes in at 102% of the national average.

Concord's average listing price for 2022-06-01 was $580,777, a difference of $85,956 (17.4%) versus the prior year and $17,469 versus the prior month.

For the 2022-06-01 period, Concord had 194 MLS listings, a difference of 55 listings (40%) versus the prior month and -19 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
2018-01-01 103 days 2,165 sqft
2018-02-01 112 days 2,153 sqft
2018-03-01 80 days 2,158 sqft
2018-04-01 51 days 2,182 sqft
2018-05-01 45 days 2,158 sqft
2018-06-01 41 days 2,152 sqft
2018-07-01 51 days 2,168 sqft
2018-08-01 57 days 2,160 sqft
2018-09-01 61 days 2,157 sqft
2018-10-01 67 days 2,177 sqft
2018-11-01 78 days 2,162 sqft
2018-12-01 93 days 2,112 sqft
2019-01-01 94 days 2,106 sqft
2019-02-01 101 days 2,041 sqft
2019-03-01 70 days 2,071 sqft
2019-04-01 49 days 2,076 sqft
2019-05-01 46 days 2,058 sqft
2019-06-01 46 days 2,064 sqft
2019-07-01 50 days 2,022 sqft
2019-08-01 57 days 2,061 sqft
2019-09-01 57 days 2,057 sqft
2019-10-01 59 days 2,016 sqft
2019-11-01 71 days 2,016 sqft
2019-12-01 85 days 1,966 sqft
2020-01-01 94 days 1,997 sqft
2020-02-01 74 days 2,016 sqft
2020-03-01 49 days 2,013 sqft
2020-04-01 52 days 2,083 sqft
2020-05-01 60 days 2,082 sqft
2020-06-01 39 days 2,100 sqft
2020-07-01 44 days 2,126 sqft
2020-08-01 43 days 2,180 sqft
2020-09-01 34 days 2,027 sqft
2020-10-01 42 days 2,001 sqft
2020-11-01 47 days 2,002 sqft
2020-12-01 56 days 1,848 sqft
2021-01-01 55 days 1,743 sqft
2021-02-01 32 days 1,746 sqft
2021-03-01 21 days 1,696 sqft
2021-04-01 16 days 1,770 sqft
2021-05-01 15 days 2,032 sqft
2021-06-01 17 days 2,085 sqft
2021-07-01 25 days 2,177 sqft
2021-08-01 35 days 2,084 sqft
2021-09-01 35 days 2,056 sqft
2021-10-01 37 days 1,960 sqft
2021-11-01 45 days 1,930 sqft
2021-12-01 57 days 1,928 sqft
2022-01-01 63 days 1,876 sqft
2022-02-01 37 days 1,926 sqft
2022-03-01 17 days 1,849 sqft
2022-04-01 14 days 1,850 sqft
2022-05-01 17 days 1,888 sqft
2022-06-01 13 days 1,910 sqft
Concord's median listing age (time on market) for 2022-06-01 was 13 days. This is -24% shorter than the same period one year ago.

Concord's median square footage for active listings during the 2022-06-01 period was 1,910 sqft. One year prior, the average listing was 2,085 sqft.