Laconia Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Laconia averaged 7.02% for the week of 2024-07-03, compared to the national average of 6.95% for the same period.

The average rate for the prior week (2024-06-27) was 7.23% and one month ago for the week of 2024-05-30, the average rate was 7.4%.

Laconia's average rate one year ago was 6.68%.

For refis of the same type during the week of 2024-07-03, the average rate was 6.85%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-07-03 6.95%
Laconia 30 Year Fixed Rate 2024-07-03 7.02%
Laconia 30 Year Fixed Rate Refi 2024-07-03 6.85%
Laconia 15 Year Fixed Rate 2024-07-03 6.45%
Laconia 15 Year Fixed Rate Refi 2024-07-03 6.25%
Laconia 30 Year FHA 2024-07-03 6.93%
Laconia 30 Year FHA Refi 2024-07-03 6.52%
Laconia 30 Year USDA 2024-07-03 6.74%
Laconia 30 Year USDA Refi 2024-07-03 6.74%
Laconia 30 Year VA 2024-07-03 6.68%
Laconia 30 Year VA Refi 2024-07-03 6.48%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Laconia, NH.

Laconia 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 Laconia, NH market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Meredith Village Savings Bank 66 7.04% $3,963
CMG MORTGAGE, INC. 45 6.67% $4,673
UNITED WHOLESALE MORTGAGE, LLC 42 7.23% $7,279
Bank of New Hampshire 28 7.03% $3,983
QUICKEN LOANS, LLC 28 6.53% $8,459
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 22 7.10% $5,924
Northway Bank 20 6.81% $4,711
EVERETT FINANCIAL, INC. 17 7.11% $8,182
MOVEMENT MORTGAGE, LLC 15 7.34% $6,735
Citizens Bank 14 6.27% $5,235
GUARANTEED RATE, INC. 14 7.16% $6,255
JPMorgan Chase Bank 13 6.78% $6,161
GUILD MORTGAGE COMPANY 13 7.15% $6,037
HARBORONE MORTGAGE, LLC 12 6.88% $5,352
EMM LOANS LLC 11 7.19% $7,493
American Mortgage & Equity Consultants, Inc. 11 7.10% $5,348
CROSSCOUNTRY MORTGAGE, LLC 10 7.37% $7,263
TD Bank 10 6.30% $2,897
Merrimack County Savings Bank 8 7.03% $3,618
SALEM FIVE MORTGAGE COMPANY, LLC 7 6.05% $6,100
Service Federal Credit Union 7 6.39% $5,612
LOANDEPOT.COM, LLC 6 6.75% $8,768
Bar Harbor Bank & Trust 6 6.19% $4,176
NORTHEAST CREDIT UNION 6 5.88% $5,321
NORTHPOINT MORTGAGE, INC. 6 7.27% $8,669
ENVOY MORTGAGE, LTD 6 6.79% $6,316
Leader Bank 5 7.20% $7,419
GUARANTEED RATE AFFINITY, LLC 5 7.38% $3,854
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 7.37% $6,317
Rockland Trust Company 4 6.09% $5,061
Wells Fargo Bank 4 6.91% $4,889
ST. MARY'S BANK 4 7.13% $3,614
RADIUS FINANCIAL GROUP INC. 4 7.03% $6,483
Bank of America 4 6.66% $5,325
BELLWETHER COMMUNITY 4 7.19% $4,268
AMERISAVE MORTGAGE CORPORATION 3 5.88% $11,465
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 7.25% $4,645
Eastern Bank 3 5.67% $4,112
Morgan Stanley Private Bank 3 5.52% $7,480
EMBRACE HOME LOANS, INC. 3 6.96% $5,418
BROKER SOLUTIONS, INC. 3 6.75% $6,191
Northpointe Bank 3 7.67% $9,016
Citibank 3 4.83% $4,474
FREEDOM MORTGAGE CORPORATION 3 6.96% $9,559
Granite State Credit Union 3 6.50% $3,991
SIS BANCORP, MHC 3 7.92% $3,124
WASHINGTON TRUST MORTGAGE COMPANY LLC 3 5.92% $3,960
Waterstone Mortgage Corporation 3 6.58% $5,518
Firstrust Savings Bank 2 6.63% $5,153
PENNYMAC LOAN SERVICES, LLC 2 5.63% $8,584
UBS Bank USA 2 6.06% $7,569
NEW ENGLAND FEDERAL CREDIT UNION 2 7.44% $2,768
M&T Bank 2 6.00% $5,349
ARC HOME LLC 2 7.50% $7,726
Mr. Cooper ( Nationstar Mortgage ) 2 7.31% $12,405
Enterprise Bank and Trust Company 2 6.69% $4,078
Westfield Bank 2 6.38% $5,616
LOGIX FEDERAL CREDIT UNION 2 7.06% $4,410
Easthampton Savings Bank 2 5.94% $3,582
Bethpage Federal Credit Union 2 6.44% $4,367
RELIANCE FIRST CAPITAL, LLC 2 6.63% $9,135
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.81% $6,075
ZILLOW HOME LOANS, LLC 1 6.75% $4,957
AMERICAN HERITAGE LENDING, INC. 1 8.75% $8,891
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 10.38% $4,160
Avidia Bank 1 6.25% $2,935
Bank of England 1 7.63% $4,000
BAYCOAST MORTGAGE COMPANY, LLC 1 6.38% $2,670
BAY EQUITY LLC 1 5.99% $6,369
Berkshire Bank 1 7.38% $4,568
BMO Harris Bank 1 7.00% $4,126
BNC National Bank 1 6.13% $4,239
Carrington Mortgage Services, LLC 1 5.63% $10,152
CHURCHILL MORTGAGE CORPORATION 1 6.75% $9,620
City National Bank 1 6.40% $4,601
COMMUNITYAMERICA 1 6.63% $4,870
Cornerstone Bank 1 5.00% $3,076
DIGITAL Federal Credit Union 1 7.75% $3,140
Discover Bank 1 6.24% $0
DREW MORTGAGE ASSOCIATES, INC. 1 6.99% $4,028
EQUITY RESOURCES, INC. 1 6.38% $3,843
FBC MORTGAGE, LLC 1 6.63% $5,308
First-Citizens Bank & Trust Company 1 4.75% $2,959
FIRST COMMUNITY MORTGAGE, INC. 1 7.50% $8,764
First National Bank of America 1 9.00% $15,787
First Republic Bank 1 4.50% $3,331
Goldman Sachs Bank USA 1 5.50% $7,570
Home Loan Investment Bank, F.S.B. 1 7.99% $4,891
HOMESTEAD FUNDING CORP. 1 6.50% $4,391
INTEGRITY MORTGAGE LLC 1 6.49% $6,868
Jeanne D'Arc Credit Union 1 5.88% $5,435
JMAC LENDING, INC. 1 7.88% $14,817
LAKEVIEW LOAN SERVICING, LLC 1 5.50% $11,838
MEGASTAR FINANCIAL CORP. 1 6.63% $4,191
MEMBERS MORTGAGE COMPANY, INC. 1 6.75% $2,616
MERRIMACK VALLEY 1 6.50% $3,311
METRO 1 5.88% $4,124
MORTGAGE EQUITY PARTNERS LLC 1 8.50% $8,249
Mortgage Research Center, LLC 1 5.75% $10,980
MountainOne Bank 1 5.50% $4,306
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.00% $3,696
NATIONS RELIABLE LENDING, LLC 1 5.99% $23,839
NAVY FEDERAL CREDIT UNION 1 5.75% $2,306
NBT Bank 1 7.25% $2,740
NEWREZ LLC 1 6.50% $2,512
NFM, INC. 1 7.00% $4,796
NORTHEAST HOME LOAN, LLC 1 7.13% $2,616
PAWTUCKET 1 7.13% $4,430
PENTAGON FEDERAL CREDIT UNION 1 7.00% $6,116
PLAZA HOME MORTGAGE, INC. 1 6.38% $9,306
PROVINCE MORTGAGE ASSOCIATES, INC. 1 7.63% $4,684
RIVER WORKS 1 6.75% $2,273
S1L, Inc. 1 8.38% $9,236
State Department Federal Credit Union 1 6.75% $10,327
The Federal Savings Bank 1 6.25% $7,326
The Huntington National Bank 1 7.75% $4,025
The Washington Trust Company, of Westerly 1 7.38% $4,081
TOTAL MORTGAGE SERVICES, LLC 1 7.88% $2,284
UniBank for Savings 1 5.50% $3,233
Union Bank 1 7.25% $2,219
United Bank 1 7.00% $4,536
U.S. Bank 1 8.13% $22,690
Webster Bank 1 7.38% $8,873
AMERICAN FINANCING CORPORATION 1 6.50% $6,292

Laconia Average Closing Costs & Other Stats

Laconia, NH's 124 lenders originated 1,647 loans during 2023. The total origination value was $510,995,000, with an average loan value of $310,258.

Laconia's average closing costs are $4,704.

The top Laconia lender as defined by loan originations is Meredith Village Savings Bank, with 66 loans originated. Their average total fees are $3,963, which is $710 lower than the next largest lender, CMG MORTGAGE, INC..

The lowest fee Laconia lenders (with over 10 loans originated) are TD Bank ($2,897), Meredith Village Savings Bank ($3,963), Bank of New Hampshire ($3,983), CMG MORTGAGE, INC. ($4,673) and Northway Bank ($4,711).

The lowest rate Laconia lenders (with over 10 loans originated) are Citizens Bank (6.27%), TD Bank (6.30%), QUICKEN LOANS, LLC (6.53%), CMG MORTGAGE, INC. (6.67%) and JPMorgan Chase Bank (6.78%).

Laconia, NH Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Meredith Village Savings Bank $112,945,000 $75,155,000 -33.5% 14.7%
Citizens Bank $50,945,000 $32,230,000 -36.7% 6.3%
CMG MORTGAGE, INC. $26,425,000 $24,345,000 -7.9% 4.8%
UNITED WHOLESALE MORTGAGE, LLC $25,655,000 $19,960,000 -22.2% 3.9%
ST. MARY'S BANK $8,435,000 $16,200,000 92.1% 3.2%
QUICKEN LOANS, LLC $33,820,000 $14,615,000 -56.8% 2.9%
Bank of America $13,710,000 $12,955,000 -5.5% 2.5%
Bank of New Hampshire $27,590,000 $12,425,000 -55.0% 2.4%
Franklin Savings Bank $11,565,000 $12,220,000 5.7% 2.4%
TD Bank $13,000,000 $11,685,000 -10.1% 2.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $9,740,000 $11,150,000 14.5% 2.2%
JPMorgan Chase Bank $1,870,000 $10,125,000 441.4% 2.0%
Northway Bank $29,225,000 $10,020,000 -65.7% 2.0%
GUILD MORTGAGE COMPANY $12,470,000 $9,480,000 -24.0% 1.9%
EVERETT FINANCIAL, INC. $15,455,000 $9,470,000 -38.7% 1.9%
Service Federal Credit Union $12,300,000 $9,225,000 -25.0% 1.8%
HARBORONE MORTGAGE, LLC $13,275,000 $8,120,000 -38.8% 1.6%
EMM LOANS LLC $6,340,000 $6,730,000 6.2% 1.3%
Mortgage Research Center, LLC $6,175,000 $6,415,000 3.9% 1.3%
Merrimack County Savings Bank $11,500,000 $6,220,000 -45.9% 1.2%
MOVEMENT MORTGAGE, LLC $7,925,000 $6,135,000 -22.6% 1.2%
Morgan Stanley Private Bank $11,005,000 $6,120,000 -44.4% 1.2%
GUARANTEED RATE, INC. $7,745,000 $6,010,000 -22.4% 1.2%
Bar Harbor Bank & Trust $3,445,000 $5,690,000 65.2% 1.1%
Granite State Credit Union $6,525,000 $5,410,000 -17.1% 1.1%
CROSSCOUNTRY MORTGAGE, LLC $7,345,000 $5,145,000 -30.0% 1.0%
SALEM FIVE MORTGAGE COMPANY, LLC $3,755,000 $5,015,000 33.6% 1.0%
NBT Bank $1,520,000 $4,865,000 220.1% 1.0%
NORTHEAST CREDIT UNION $3,720,000 $4,755,000 27.8% 0.9%
American Mortgage & Equity Consultants, Inc. $2,205,000 $4,680,000 112.2% 0.9%
LOANDEPOT.COM, LLC $10,555,000 $3,800,000 -64.0% 0.7%
Citibank $715,000 $3,735,000 422.4% 0.7%
GUARANTEED RATE AFFINITY, LLC $5,325,000 $3,540,000 -33.5% 0.7%
UBS Bank USA $5,540,000 $3,290,000 -40.6% 0.6%
Eastern Bank $5,795,000 $3,050,000 -47.4% 0.6%
Rockland Trust Company $1,935,000 $2,975,000 53.7% 0.6%
Westfield Bank $2,910,000 n/a 0.6%
Profile Bank $830,000 $2,765,000 233.1% 0.5%
NORTHPOINT MORTGAGE, INC. $975,000 $2,395,000 145.6% 0.5%
Leader Bank $3,840,000 $2,370,000 -38.3% 0.5%
BELLWETHER COMMUNITY $4,645,000 $2,265,000 -51.2% 0.4%
Enterprise Bank and Trust Company $2,800,000 $2,210,000 -21.1% 0.4%
ENVOY MORTGAGE, LTD $1,855,000 $2,210,000 19.1% 0.4%
SIS BANCORP, MHC $2,000,000 $2,200,000 10.0% 0.4%
M&T Bank $1,075,000 $2,160,000 100.9% 0.4%
EMBRACE HOME LOANS, INC. $565,000 $2,145,000 279.6% 0.4%
Goldman Sachs Bank USA $2,005,000 n/a 0.4%
Mr. Cooper ( Nationstar Mortgage ) $5,400,000 $1,980,000 -63.3% 0.4%
Jeanne D'Arc Credit Union $95,000 $1,975,000 1,978.9% 0.4%
FREEDOM MORTGAGE CORPORATION $4,920,000 $1,955,000 -60.3% 0.4%
PENNYMAC LOAN SERVICES, LLC $6,560,000 $1,890,000 -71.2% 0.4%
BROKER SOLUTIONS, INC. $2,360,000 $1,880,000 -20.3% 0.4%
AMERISAVE MORTGAGE CORPORATION $5,020,000 $1,860,000 -62.9% 0.4%
NAVY FEDERAL CREDIT UNION $3,665,000 $1,825,000 -50.2% 0.4%
Wells Fargo Bank $8,295,000 $1,810,000 -78.2% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,145,000 $1,725,000 50.7% 0.3%
The Federal Savings Bank $195,000 $1,680,000 761.5% 0.3%
RADIUS FINANCIAL GROUP INC. $2,750,000 $1,665,000 -39.5% 0.3%
Holy Rosary Regional Credit Union $1,340,000 $1,645,000 22.8% 0.3%
DIGITAL Federal Credit Union $2,135,000 $1,630,000 -23.7% 0.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $4,525,000 $1,555,000 -65.6% 0.3%
WASHINGTON TRUST MORTGAGE COMPANY LLC $990,000 $1,445,000 46.0% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $450,000 $1,425,000 216.7% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,105,000 $1,395,000 -33.7% 0.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,380,000 n/a 0.3%
First Seacoast Bank $205,000 $1,380,000 573.2% 0.3%
Newburyport Five Cents Savings Bank $2,140,000 $1,355,000 -36.7% 0.3%
Northpointe Bank $1,465,000 $1,330,000 -9.2% 0.3%
Waterstone Mortgage Corporation $380,000 $1,300,000 242.1% 0.3%
PNC Bank $2,580,000 $1,280,000 -50.4% 0.3%
RELIANCE FIRST CAPITAL, LLC $1,730,000 $1,245,000 -28.0% 0.2%
Flagstar Bank, FSB $1,185,000 $1,135,000 -4.2% 0.2%
LOGIX FEDERAL CREDIT UNION $1,115,000 n/a 0.2%
Keystone Funding, Inc. $1,055,000 n/a 0.2%
U.S. Bank $5,010,000 $1,030,000 -79.4% 0.2%
POLARIS HOME FUNDING CORP. $1,000,000 n/a 0.2%
The Lowell Five Cent Savings Bank $265,000 $950,000 258.5% 0.2%
First-Citizens Bank & Trust Company $905,000 n/a 0.2%
The Northern Trust Company $875,000 n/a 0.2%
Bethpage Federal Credit Union $475,000 $865,000 82.1% 0.2%
LAKEVIEW LOAN SERVICING, LLC $1,295,000 $805,000 -37.8% 0.2%
Discover Bank $785,000 $785,000 0.0% 0.2%
Easthampton Savings Bank $455,000 $780,000 71.4% 0.2%
METRO $780,000 n/a 0.2%
ARC HOME LLC $770,000 n/a 0.2%
Bangor Savings Bank $4,410,000 $760,000 -82.8% 0.1%
City National Bank $2,695,000 $755,000 -72.0% 0.1%
AMERICAN FINANCING CORPORATION $175,000 $750,000 328.6% 0.1%
PENTAGON FEDERAL CREDIT UNION $925,000 $735,000 -20.5% 0.1%
Salem Co-Operative Bank $1,910,000 $725,000 -62.0% 0.1%
Haverhill Bank $345,000 $715,000 107.2% 0.1%
First Savings Bank $870,000 $710,000 -18.4% 0.1%
MountainOne Bank $695,000 n/a 0.1%
TOTAL MORTGAGE SERVICES, LLC $2,365,000 $660,000 -72.1% 0.1%
BMO Harris Bank $655,000 n/a 0.1%
Webster Bank $1,940,000 $650,000 -66.5% 0.1%
BNC National Bank $645,000 n/a 0.1%
GFA Federal Credit Union $150,000 $645,000 330.0% 0.1%
Kennebunk Savings Bank $970,000 $635,000 -34.5% 0.1%
NORTHEAST HOME LOAN, LLC $550,000 $635,000 15.5% 0.1%
Carrington Mortgage Services, LLC $420,000 $630,000 50.0% 0.1%
Firstrust Savings Bank $610,000 n/a 0.1%
UniBank for Savings $105,000 $605,000 476.2% 0.1%
ACADEMY MORTGAGE CORPORATION $225,000 $590,000 162.2% 0.1%
NEW DAY FINANCIAL, LLC $790,000 $590,000 -25.3% 0.1%
NEW HAMPSHIRE $1,615,000 $590,000 -63.5% 0.1%
NATIONS RELIABLE LENDING, LLC $325,000 $575,000 76.9% 0.1%
Katahdin Trust Company $545,000 n/a 0.1%
MEGASTAR FINANCIAL CORP. $545,000 n/a 0.1%
Winchester Savings Bank $545,000 n/a 0.1%
NEW ENGLAND FEDERAL CREDIT UNION $125,000 $540,000 332.0% 0.1%
PLANET HOME LENDING, LLC $540,000 n/a 0.1%
Berkshire Bank $3,065,000 $535,000 -82.5% 0.1%
PAWTUCKET $535,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $365,000 $525,000 43.8% 0.1%
ZILLOW HOME LOANS, LLC $1,230,000 $525,000 -57.3% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $520,000 n/a 0.1%
NEWREZ LLC $3,195,000 $515,000 -83.9% 0.1%
NFM, INC. $535,000 $500,000 -6.5% 0.1%
Members First Credit Union N.H. $380,000 $490,000 28.9% 0.1%
First National Bank of America $445,000 n/a 0.1%
NBKC BANK $1,345,000 $445,000 -66.9% 0.1%
The Huntington National Bank $445,000 n/a 0.1%
Figure Lending LLC $590,000 $435,000 -26.3% 0.1%
Semper Home Loans, Inc. $425,000 n/a 0.1%
The Washington Trust Company, of Westerly $415,000 n/a 0.1%
United Bank $415,000 n/a 0.1%
Avidia Bank $615,000 $400,000 -35.0% 0.1%
Charles River Bank $395,000 n/a 0.1%
MORTGAGE EQUITY PARTNERS LLC $350,000 $395,000 12.9% 0.1%
The National Bank of Middlebury $395,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $400,000 $390,000 -2.5% 0.1%
EQUITY RESOURCES, INC. $385,000 n/a 0.1%
First Republic Bank $3,585,000 $385,000 -89.3% 0.1%
State Department Federal Credit Union $350,000 $385,000 10.0% 0.1%
JMAC LENDING, INC. $355,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $590,000 $345,000 -41.5% 0.1%
Coastal Community Bank $345,000 n/a 0.1%
FBC MORTGAGE, LLC $345,000 n/a 0.1%
21ST MORTGAGE CORPORATION $255,000 $325,000 27.5% 0.1%
CHURCHILL MORTGAGE CORPORATION $325,000 $325,000 0.0% 0.1%
CONTOUR MORTGAGE CORPORATION $325,000 n/a 0.1%
East Cambridge Savings Bank $325,000 n/a 0.1%
HOMESTEAD FUNDING CORP. $325,000 n/a 0.1%
CARDINAL FINANCIAL $265,000 $315,000 18.9% 0.1%
COMMUNITYAMERICA $305,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $305,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $305,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $235,000 $305,000 29.8% 0.1%
Barrington Bank & Trust Company, N.A. $810,000 $295,000 -63.6% 0.1%
First Federal Bank $295,000 n/a 0.1%
Home Loan Investment Bank, F.S.B. $1,075,000 $295,000 -72.6% 0.1%
Paramount Residential Mortgage Group, Inc. $635,000 $275,000 -56.7% 0.1%
PROVINCE MORTGAGE ASSOCIATES, INC. $275,000 n/a 0.1%
MERRIMACK VALLEY $845,000 $270,000 -68.0% 0.1%
Bank of England $315,000 $265,000 -15.9% 0.1%
S1L, Inc. $265,000 n/a 0.1%
American Airlines Federal Credit Union $135,000 $255,000 88.9% 0.0%
Cornerstone Bank $565,000 $245,000 -56.6% 0.0%
FIRST MORTGAGE COMPANY, INC. $335,000 $245,000 -26.9% 0.0%
RIVER WORKS $245,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $235,000 n/a 0.0%
Bank of Easton $235,000 n/a 0.0%
BAYCOAST MORTGAGE COMPANY, LLC $1,285,000 $235,000 -81.7% 0.0%
CENTRAL ONE FEDERAL CREDIT UNION $235,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $625,000 $225,000 -64.0% 0.0%
StonehamBank, A Co-operative Bank $215,000 n/a 0.0%
HANSCOM $1,375,000 $210,000 -84.7% 0.0%
AMWEST FUNDING CORP. $445,000 $205,000 -53.9% 0.0%
RUOFF MORTGAGE COMPANY, INC. $180,000 $205,000 13.9% 0.0%
WESTERLY COMMUNITY $205,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $1,710,000 $195,000 -88.6% 0.0%
HarborOne Bank $190,000 n/a 0.0%
MEMBERS MORTGAGE COMPANY, INC. $255,000 $185,000 -27.5% 0.0%
INTEGRITY MORTGAGE LLC $175,000 n/a 0.0%
BAY EQUITY LLC $1,565,000 $165,000 -89.5% 0.0%
AMERICAN HERITAGE LENDING, INC. $155,000 n/a 0.0%
Union Bank $605,000 $155,000 -74.4% 0.0%
PHH Mortgage Corporation $655,000 $145,000 -77.9% 0.0%
LIBERTY BAY CREDIT UNION $280,000 $135,000 -51.8% 0.0%
ALIGN CREDIT UNION $130,000 n/a 0.0%
Pentucket Bank $235,000 $115,000 -51.1% 0.0%
DREW MORTGAGE ASSOCIATES, INC. $600,000 $105,000 -82.5% 0.0%
Mascoma Bank $1,405,000 $105,000 -92.5% 0.0%
Salem Five Cents Savings Bank $530,000 $105,000 -80.2% 0.0%
Signature Federal Credit Union $105,000 n/a 0.0%
TOWER $75,000 n/a 0.0%
GREENWOOD $65,000 n/a 0.0%
KeyBank $590,000 $65,000 -89.0% 0.0%
Lakeview Community Capital, LLC $65,000 n/a 0.0%
SPRING EQ, LLC $410,000 $65,000 -84.1% 0.0%
BayCoast Bank $160,000 $55,000 -65.6% 0.0%
Tewksbury Federal Credit Union $35,000 n/a 0.0%
Deere Employees Credit Union $25,000 n/a 0.0%
North Shore Bank, a Co-operative Bank $2,075,000 $25,000 -98.8% 0.0%

Laconia's top lender by overall market share is Meredith Village Savings Bank, with 14.7% market share. In second place, with 6.3%, is Citizens Bank, having originated $32,230,000 in loans. In third place, with 4.8%, is CMG MORTGAGE, INC., having originated $24,345,000 in loans. In fourth place, with 3.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $19,960,000 in loans. In fifth place, with 3.2%, is ST. MARY'S BANK, having originated $16,200,000 in loans.


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

Realtor.com - Laconia (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 $279,900 (3.7%) $539,723 (-16.1%) 0.00 331
2018-02-01 $299,900 (11.1%) $558,764 (-12.2%) 0.00 319
2018-03-01 $299,900 (11.1%) $560,194 (-12.8%) 0.00 334
2018-04-01 $309,450 (14.6%) $572,743 (-8.8%) 0.00 382
2018-05-01 $317,950 (15.8%) $657,523 (7.4%) 0.00 465
2018-06-01 $329,900 (14.6%) $646,106 (5.1%) 0.00 523
2018-07-01 $332,500 (12.8%) $613,644 (1.5%) 0.00 559
2018-08-01 $329,900 (10.3%) $617,666 (3.9%) 0.00 546
2018-09-01 $319,000 (6.4%) $588,885 (4.2%) 0.00 567
2018-10-01 $313,150 (4.4%) $581,115 (-0.4%) 0.00 552
2018-11-01 $302,400 (0.9%) $579,115 (-4.6%) 0.00 494
2018-12-01 $299,000 (0.0%) $591,576 (-2.2%) 0.00 422
2019-01-01 $299,900 (7.2%) $608,541 (12.8%) 0.00 366
2019-02-01 $299,900 (0.0%) $557,342 (-0.3%) 0.00 337
2019-03-01 $304,186 (1.4%) $564,294 (0.7%) 0.00 344
2019-04-01 $314,450 (1.6%) $590,479 (3.1%) 0.00 362
2019-05-01 $336,950 (6.0%) $625,965 (-4.8%) 0.00 409
2019-06-01 $334,000 (1.2%) $574,469 (-11.1%) 0.00 458
2019-07-01 $325,750 (-2.0%) $548,224 (-10.7%) 0.00 514
2019-08-01 $325,000 (-1.5%) $551,757 (-10.7%) 0.00 508
2019-09-01 $325,000 (1.9%) $555,025 (-5.8%) 0.00 486
2019-10-01 $327,000 (4.4%) $557,204 (-4.1%) 0.00 462
2019-11-01 $324,900 (7.4%) $522,506 (-9.8%) 0.00 384
2019-12-01 $317,400 (6.2%) $518,350 (-12.4%) 0.00 288
2020-01-01 $307,400 (2.5%) $560,413 (-7.9%) 0.00 240
2020-02-01 $314,450 (4.9%) $573,569 (2.9%) 0.00 213
2020-03-01 $295,750 (-2.8%) $534,751 (-5.2%) 0.00 236
2020-04-01 $299,974 (-4.6%) $528,327 (-10.5%) 0.00 280
2020-05-01 $322,500 (-4.3%) $592,913 (-5.3%) 0.00 261
2020-06-01 $359,450 (7.6%) $643,573 (12.0%) 0.00 231
2020-07-01 $377,000 (15.7%) $774,214 (41.2%) 0.00 196
2020-08-01 $375,000 (15.4%) $753,098 (36.5%) 0.00 193
2020-09-01 $365,250 (12.4%) $638,756 (15.1%) 0.00 193
2020-10-01 $364,500 (11.5%) $620,655 (11.4%) 0.00 191
2020-11-01 $344,500 (6.0%) $579,888 (11.0%) 0.00 172
2020-12-01 $339,000 (6.8%) $568,656 (9.7%) 0.00 129
2021-01-01 $332,000 (8.0%) $479,605 (-14.4%) 0.00 92
2021-02-01 $342,450 (8.9%) $520,744 (-9.2%) 0.00 77
2021-03-01 $397,175 (34.3%) $655,693 (22.6%) 0.00 90
2021-04-01 $399,900 (33.3%) $665,481 (26.0%) 0.00 109
2021-05-01 $425,000 (31.8%) $683,918 (15.4%) 0.00 127
2021-06-01 $446,175 (24.1%) $694,943 (8.0%) 0.00 145
2021-07-01 $449,900 (19.3%) $688,879 (-11.0%) 0.00 167
2021-08-01 $442,413 (18.0%) $707,959 (-6.0%) 0.00 182
2021-09-01 $444,675 (21.8%) $726,822 (13.8%) 0.00 167
2021-10-01 $429,950 (18.0%) $722,510 (16.4%) 0.00 157
2021-11-01 $429,450 (24.7%) $735,103 (26.8%) 0.00 138
2021-12-01 $432,450 (27.6%) $838,308 (47.4%) 0.00 101
2022-01-01 $434,900 (31.0%) $873,190 (82.1%) 0.00 77
2022-02-01 $469,950 (37.2%) $946,247 (81.7%) 0.00 68
2022-03-01 $480,000 (20.9%) $937,536 (43.0%) 0.00 64
2022-04-01 $505,000 (26.3%) $892,425 (34.1%) 0.00 90
2022-05-01 $536,200 (26.2%) $810,001 (18.4%) 0.00 131
2022-06-01 $587,450 (31.7%) $826,843 (19.0%) 0.00 173
2022-07-01 $550,000 (22.3%) $983,960 (42.8%) 0.00 216
2022-08-01 $561,175 (26.8%) $976,087 (37.9%) 0.00 210
2022-09-01 $562,000 (26.4%) $1,033,218 (42.2%) 0.00 199
2022-10-01 $529,950 (23.3%) $1,010,160 (39.8%) 0.00 209
2022-11-01 $527,500 (22.8%) $997,324 (35.7%) 0.00 200
2022-12-01 $524,950 (21.4%) $1,062,579 (26.8%) 0.00 151
2023-01-01 $591,725 (36.1%) $1,256,400 (43.9%) 0.00 110
2023-02-01 $599,450 (27.6%) $1,350,117 (42.7%) 0.00 112
2023-03-01 $609,900 (27.1%) $1,298,291 (38.5%) 0.00 109
2023-04-01 $609,000 (20.6%) $1,176,281 (31.8%) 0.00 111
2023-05-01 $654,900 (22.1%) $1,184,164 (46.2%) 0.00 141
2023-06-01 $612,450 (4.3%) $1,088,917 (31.7%) 0.00 149
2023-07-01 $649,000 (18.0%) $1,039,646 (5.7%) 0.00 159
2023-08-01 $596,200 (6.2%) $1,003,609 (2.8%) 0.00 181
2023-09-01 $629,900 (12.1%) $1,037,642 (0.4%) 0.00 201
2023-10-01 $585,950 (10.6%) $1,039,741 (2.9%) 0.00 211
2023-11-01 $595,000 (12.8%) $1,070,604 (7.4%) 0.00 199
2023-12-01 $544,950 (3.8%) $899,026 (-15.4%) 0.00 185
2024-01-01 $566,800 (-4.2%) $897,174 (-28.6%) 0.00 144
2024-02-01 $594,825 (-0.8%) $968,710 (-28.3%) 0.00 133
2024-03-01 $624,950 (2.5%) $1,051,687 (-19.0%) 0.00 133
2024-04-01 $628,725 (3.2%) $978,415 (-16.8%) 0.00 140
2024-05-01 $650,000 (-0.8%) $992,329 (-16.2%) 0.00 189
2024-06-01 $650,000 (6.1%) $934,142 (-14.2%) 0.00 237
Laconia's median listing price for 2024-06-01 was $650,000, a difference of $37,550 (6.1%) versus the prior year and $0 versus the prior month.

Laconia's median listing price comes in at 0% of the national average.

Laconia's average listing price for 2024-06-01 was $934,142, a difference of $-154,775 (-14.2%) versus the prior year and $-58,187 versus the prior month.

For the 2024-06-01 period, Laconia had 237 MLS listings, a difference of 48 listings (25%) versus the prior month and 88 listings (59%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Laconia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,903 sqft
2018-02-01 0 days 1,908 sqft
2018-03-01 0 days 1,849 sqft
2018-04-01 0 days 1,833 sqft
2018-05-01 0 days 1,852 sqft
2018-06-01 0 days 1,917 sqft
2018-07-01 0 days 1,933 sqft
2018-08-01 0 days 1,935 sqft
2018-09-01 0 days 1,907 sqft
2018-10-01 0 days 1,862 sqft
2018-11-01 0 days 1,843 sqft
2018-12-01 0 days 1,850 sqft
2019-01-01 0 days 1,803 sqft
2019-02-01 0 days 1,836 sqft
2019-03-01 0 days 1,807 sqft
2019-04-01 0 days 1,803 sqft
2019-05-01 0 days 1,910 sqft
2019-06-01 0 days 1,916 sqft
2019-07-01 0 days 1,858 sqft
2019-08-01 0 days 1,897 sqft
2019-09-01 0 days 1,915 sqft
2019-10-01 0 days 1,926 sqft
2019-11-01 0 days 1,872 sqft
2019-12-01 0 days 1,862 sqft
2020-01-01 0 days 1,824 sqft
2020-02-01 0 days 1,807 sqft
2020-03-01 0 days 1,780 sqft
2020-04-01 0 days 1,790 sqft
2020-05-01 0 days 1,784 sqft
2020-06-01 0 days 1,854 sqft
2020-07-01 0 days 1,993 sqft
2020-08-01 0 days 1,912 sqft
2020-09-01 0 days 1,853 sqft
2020-10-01 0 days 1,863 sqft
2020-11-01 0 days 1,800 sqft
2020-12-01 0 days 1,660 sqft
2021-01-01 0 days 1,534 sqft
2021-02-01 0 days 1,633 sqft
2021-03-01 0 days 1,860 sqft
2021-04-01 0 days 1,879 sqft
2021-05-01 0 days 1,814 sqft
2021-06-01 0 days 1,868 sqft
2021-07-01 0 days 1,952 sqft
2021-08-01 0 days 1,958 sqft
2021-09-01 0 days 1,845 sqft
2021-10-01 0 days 1,836 sqft
2021-11-01 0 days 1,784 sqft
2021-12-01 0 days 1,837 sqft
2022-01-01 0 days 1,800 sqft
2022-02-01 0 days 1,919 sqft
2022-03-01 0 days 1,905 sqft
2022-04-01 0 days 1,873 sqft
2022-05-01 0 days 1,772 sqft
2022-06-01 0 days 1,870 sqft
2022-07-01 0 days 1,824 sqft
2022-08-01 0 days 1,847 sqft
2022-09-01 0 days 1,842 sqft
2022-10-01 0 days 1,920 sqft
2022-11-01 0 days 1,910 sqft
2022-12-01 0 days 1,860 sqft
2023-01-01 0 days 1,990 sqft
2023-02-01 0 days 1,959 sqft
2023-03-01 0 days 2,010 sqft
2023-04-01 0 days 1,977 sqft
2023-05-01 0 days 1,921 sqft
2023-06-01 0 days 1,902 sqft
2023-07-01 0 days 1,902 sqft
2023-08-01 0 days 1,818 sqft
2023-09-01 0 days 2,000 sqft
2023-10-01 0 days 1,981 sqft
2023-11-01 0 days 1,901 sqft
2023-12-01 0 days 1,811 sqft
2024-01-01 0 days 1,864 sqft
2024-02-01 0 days 1,966 sqft
2024-03-01 0 days 2,000 sqft
2024-04-01 0 days 1,974 sqft
2024-05-01 0 days 1,898 sqft
2024-06-01 0 days 1,844 sqft
Laconia's median listing age (time on market) for 2024-06-01 was 0 days.

Laconia's median square footage for active listings during the 2024-06-01 period was 1,844 sqft. One year prior, the average listing was 1,902 sqft.

Laconia, NH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 838 $349,520,000 $417,088
Home Improvement 273 $45,015,000 $164,890
Cash Out Refi 239 $50,725,000 $212,238
Other 192 $41,010,000 $213,594
Refi 105 $24,725,000 $235,476

Laconia's most frequently cited loan purpose was Home Purchase, with 838 originations. The 2nd most popular reason was Home Improvement, with 273 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 537 $176,785,000 $329,209
7-8% 443 $148,525,000 $335,271
Over 8% 344 $60,930,000 $177,122
5-6% 215 $81,465,000 $378,907
4-5% 29 $14,895,000 $513,621
3-4% 19 $3,125,000 $164,474
<2.5% 3 $205,000 $68,333
2.5-3% 2 $190,000 $95,000

During 2023, Laconia's most frequently originated rate bucket was 6-7%, with 537 originations.

Loan Sizing (Laconia, NH MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 625 $182,055,000 $291,288
$100,000 or less 353 $19,615,000 $55,567
$100k-200k 325 $46,245,000 $142,292
$400k-600k 212 $100,500,000 $474,057
$600k-1000k 84 $62,070,000 $738,929
$Over $1MM 48 $100,510,000 $2,093,958

Laconia's loan sizing saw the bucket of loans from $200k-400k with 625 originations, totaling $182,055,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 406 $176,260,000 $434,138
60-80% 374 $159,100,000 $425,401
Under 20% 321 $26,655,000 $83,037
20-40% 286 $51,630,000 $180,524
40-60% 191 $65,355,000 $342,173
Over 100% 15 $6,075,000 $405,000

Laconia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 406 originations, totaling $176,260,000 in origination value.