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
6.93%
for the week of 2023-09-21, compared to the national average of
7.19% for the same period.
The average rate for the prior week (2023-09-14) was
7.02% and
one month ago for the week of 2023-08-17, the
average rate was 7.03%.
Laconia's average rate one year ago was 5.76%.
For refis of the same type during the week of 2023-09-21, the average rate
was 7.29%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-09-21 | 7.19% |
| Laconia 30 Year Fixed Rate | 2023-09-21 | 6.93% |
| Laconia 30 Year Fixed Rate Refi | 2023-09-21 | 7.29% |
| Laconia 15 Year Fixed Rate | 2023-09-21 | 6.74% |
| Laconia 15 Year Fixed Rate Refi | 2023-09-21 | 6.94% |
| Laconia 30 Year FHA | 2023-09-21 | 7.1% |
| Laconia 30 Year FHA Refi | 2023-09-21 | 6.94% |
| Laconia 30 Year USDA | 2023-09-21 | 7.02% |
| Laconia 30 Year USDA Refi | 2023-09-21 | 7.12% |
| Laconia 30 Year VA | 2023-09-21 | 6.31% |
| Laconia 30 Year VA Refi | 2023-09-21 | 6.62% |
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.).
Laconia Average Closing Costs & Other Stats
Laconia, NH's 150 lenders originated 2,427
loans during 2022. The total origination value was $737,695,000, with an average loan value of
$303,953.
Laconia's average closing costs are $4,477.
The top Laconia lender as defined by loan originations is Meredith Village Savings Bank, with
118 loans originated. Their average total fees are
$3,463, which is $3,715
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Laconia lenders (with over 10 loans originated) are
EVERETT FINANCIAL, INC. ($2,242), Bank of New Hampshire ($3,336), Meredith Village Savings Bank ($3,463), Merrimack County Savings Bank ($3,726) and Northway Bank ($3,838).
The lowest rate Laconia lenders (with over 10 loans originated) are
Bank of America (3.87%), AMERISAVE MORTGAGE CORPORATION (4.20%), Meredith Village Savings Bank (4.32%), Northway Bank (4.34%) and LOANDEPOT.COM, LLC (4.52%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| Meredith Village Savings Bank | $85,780,000 | $112,945,000 | 31.7% | 15.3% |
| Citizens Bank | $51,010,000 | $50,945,000 | -0.1% | 6.9% |
| QUICKEN LOANS, LLC | $87,570,000 | $33,820,000 | -61.4% | 4.6% |
| Northway Bank | $19,560,000 | $29,225,000 | 49.4% | 4.0% |
| Bank of New Hampshire | $57,150,000 | $27,590,000 | -51.7% | 3.7% |
| CMG MORTGAGE, INC. | $38,795,000 | $26,425,000 | -31.9% | 3.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $45,320,000 | $25,655,000 | -43.4% | 3.5% |
| EVERETT FINANCIAL, INC. | $4,965,000 | $15,455,000 | 211.3% | 2.1% |
| Bank of America | $20,405,000 | $13,710,000 | -32.8% | 1.9% |
| HARBORONE MORTGAGE, LLC | $25,320,000 | $13,275,000 | -47.6% | 1.8% |
| TD Bank | $28,680,000 | $13,000,000 | -54.7% | 1.8% |
| GUILD MORTGAGE COMPANY | $2,025,000 | $12,470,000 | 515.8% | 1.7% |
| Service Federal Credit Union | $9,275,000 | $12,300,000 | 32.6% | 1.7% |
| Franklin Savings Bank | $12,040,000 | $11,565,000 | -3.9% | 1.6% |
| Merrimack County Savings Bank | $6,310,000 | $11,500,000 | 82.3% | 1.6% |
| Morgan Stanley Private Bank | $4,615,000 | $11,005,000 | 138.5% | 1.5% |
| LOANDEPOT.COM, LLC | $24,385,000 | $10,555,000 | -56.7% | 1.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $15,450,000 | $9,740,000 | -37.0% | 1.3% |
| ST. MARY'S BANK | $13,765,000 | $8,435,000 | -38.7% | 1.1% |
| Wells Fargo Bank | $15,230,000 | $8,295,000 | -45.5% | 1.1% |
| MOVEMENT MORTGAGE, LLC | $8,395,000 | $7,925,000 | -5.6% | 1.1% |
| GUARANTEED RATE, INC. | $18,540,000 | $7,745,000 | -58.2% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $8,910,000 | $7,345,000 | -17.6% | 1.0% |
| BNY Mellon | $1,205,000 | $7,165,000 | 494.6% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $9,075,000 | $6,560,000 | -27.7% | 0.9% |
| Granite State Credit Union | $8,835,000 | $6,525,000 | -26.1% | 0.9% |
| EMM LOANS LLC | $7,005,000 | $6,340,000 | -9.5% | 0.9% |
| Mortgage Research Center, LLC | $10,500,000 | $6,175,000 | -41.2% | 0.8% |
| Eastern Bank | $6,375,000 | $5,795,000 | -9.1% | 0.8% |
| UBS Bank USA | $1,775,000 | $5,540,000 | 212.1% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $11,400,000 | $5,400,000 | -52.6% | 0.7% |
| GUARANTEED RATE AFFINITY, LLC | $13,085,000 | $5,325,000 | -59.3% | 0.7% |
| AMERISAVE MORTGAGE CORPORATION | $17,085,000 | $5,020,000 | -70.6% | 0.7% |
| U.S. Bank | $2,835,000 | $5,010,000 | 76.7% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $14,130,000 | $4,920,000 | -65.2% | 0.7% |
| BELLWETHER COMMUNITY | $4,525,000 | $4,645,000 | 2.7% | 0.6% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $14,805,000 | $4,525,000 | -69.4% | 0.6% |
| Bangor Savings Bank | $4,285,000 | $4,410,000 | 2.9% | 0.6% |
| Leader Bank | $9,740,000 | $3,840,000 | -60.6% | 0.5% |
| SALEM FIVE MORTGAGE COMPANY, LLC | $3,985,000 | $3,755,000 | -5.8% | 0.5% |
| NORTHEAST CREDIT UNION | $5,055,000 | $3,720,000 | -26.4% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $5,705,000 | $3,665,000 | -35.8% | 0.5% |
| First Republic Bank | $6,590,000 | $3,585,000 | -45.6% | 0.5% |
| Bar Harbor Bank & Trust | $6,190,000 | $3,445,000 | -44.3% | 0.5% |
| NEWREZ LLC | $13,000,000 | $3,195,000 | -75.4% | 0.4% |
| Berkshire Bank | $1,125,000 | $3,065,000 | 172.4% | 0.4% |
| HOME POINT FINANCIAL CORPORATION | $4,515,000 | $2,990,000 | -33.8% | 0.4% |
| Enterprise Bank and Trust Company | $3,155,000 | $2,800,000 | -11.3% | 0.4% |
| RADIUS FINANCIAL GROUP INC. | $1,940,000 | $2,750,000 | 41.8% | 0.4% |
| City National Bank | $265,000 | $2,695,000 | 917.0% | 0.4% |
| Charles Schwab Bank, SSB | $4,035,000 | $2,685,000 | -33.5% | 0.4% |
| PNC Bank | $1,985,000 | $2,580,000 | 30.0% | 0.3% |
| Mortgage Network, Inc. | $8,390,000 | $2,405,000 | -71.3% | 0.3% |
| TOTAL MORTGAGE SERVICES, LLC | $2,320,000 | $2,365,000 | 1.9% | 0.3% |
| BROKER SOLUTIONS, INC. | $5,360,000 | $2,360,000 | -56.0% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $2,205,000 | n/a | 0.3% | |
| Newburyport Five Cents Savings Bank | $5,205,000 | $2,140,000 | -58.9% | 0.3% |
| DIGITAL Federal Credit Union | $6,575,000 | $2,135,000 | -67.5% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,070,000 | $2,105,000 | -31.4% | 0.3% |
| Middlesex Federal Savings, F.A. | $2,080,000 | n/a | 0.3% | |
| North Shore Bank, a Co-operative Bank | $795,000 | $2,075,000 | 161.0% | 0.3% |
| SIS BANCORP, MHC | $1,995,000 | $2,000,000 | 0.3% | 0.3% |
| Webster Bank | $2,070,000 | $1,940,000 | -6.3% | 0.3% |
| Rockland Trust Company | $1,980,000 | $1,935,000 | -2.3% | 0.3% |
| Salem Co-Operative Bank | $375,000 | $1,910,000 | 409.3% | 0.3% |
| JPMorgan Chase Bank | $8,195,000 | $1,870,000 | -77.2% | 0.3% |
| ENVOY MORTGAGE, LTD | $10,135,000 | $1,855,000 | -81.7% | 0.3% |
| RELIANCE FIRST CAPITAL, LLC | $1,535,000 | $1,730,000 | 12.7% | 0.2% |
| LEADERONE FINANCIAL CORPORATION | $7,345,000 | $1,710,000 | -76.7% | 0.2% |
| The Camden National Bank | $1,115,000 | $1,690,000 | 51.6% | 0.2% |
| Northern Bank & Trust Company | $840,000 | $1,665,000 | 98.2% | 0.2% |
| NEW HAMPSHIRE | $7,045,000 | $1,615,000 | -77.1% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $1,585,000 | $1,590,000 | 0.3% | 0.2% |
| BAY EQUITY LLC | $1,115,000 | $1,565,000 | 40.4% | 0.2% |
| Triangle Credit Union | $1,975,000 | $1,555,000 | -21.3% | 0.2% |
| NBT Bank | $12,915,000 | $1,520,000 | -88.2% | 0.2% |
| Institution for Savings in Newburyport and Its Vicinity | $690,000 | $1,515,000 | 119.6% | 0.2% |
| The Bank of Canton | $1,505,000 | n/a | 0.2% | |
| Northpointe Bank | $1,245,000 | $1,465,000 | 17.7% | 0.2% |
| NEW FED MORTGAGE, CORP. | $4,400,000 | $1,445,000 | -67.2% | 0.2% |
| Mascoma Bank | $3,755,000 | $1,405,000 | -62.6% | 0.2% |
| HANSCOM | $1,215,000 | $1,375,000 | 13.2% | 0.2% |
| Envision Bank | $4,300,000 | $1,355,000 | -68.5% | 0.2% |
| NBKC BANK | $2,065,000 | $1,345,000 | -34.9% | 0.2% |
| Holy Rosary Regional Credit Union | $1,015,000 | $1,340,000 | 32.0% | 0.2% |
| Cambridge Savings Bank | $1,335,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $5,510,000 | $1,295,000 | -76.5% | 0.2% |
| BAYCOAST MORTGAGE COMPANY, LLC | $3,135,000 | $1,285,000 | -59.0% | 0.2% |
| ZILLOW HOME LOANS, LLC | $960,000 | $1,230,000 | 28.1% | 0.2% |
| Raymond James Bank | $3,120,000 | $1,205,000 | -61.4% | 0.2% |
| Flagstar Bank, FSB | $1,495,000 | $1,185,000 | -20.7% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,645,000 | $1,145,000 | -56.7% | 0.2% |
| Home Loan Investment Bank, F.S.B. | $930,000 | $1,075,000 | 15.6% | 0.1% |
| M&T Bank | $535,000 | $1,075,000 | 100.9% | 0.1% |
| Truist | $1,370,000 | $1,030,000 | -24.8% | 0.1% |
| Workers Credit Union | $525,000 | $1,020,000 | 94.3% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $995,000 | n/a | 0.1% | |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | $2,485,000 | $990,000 | -60.2% | 0.1% |
| REVERSE MORTGAGE FUNDING LLC | $205,000 | $985,000 | 380.5% | 0.1% |
| NORTHPOINT MORTGAGE, INC. | $6,405,000 | $975,000 | -84.8% | 0.1% |
| Kennebunk Savings Bank | $610,000 | $970,000 | 59.0% | 0.1% |
| Hometown Equity Mortgage, LLC | $965,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $1,200,000 | $945,000 | -21.3% | 0.1% |
| First Guaranty Mortgage Corporation | $1,800,000 | $925,000 | -48.6% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,295,000 | $925,000 | -28.6% | 0.1% |
| USAA Federal Savings Bank | $2,145,000 | $905,000 | -57.8% | 0.1% |
| North American Savings Bank, F.S.B. | $530,000 | $895,000 | 68.9% | 0.1% |
| First Savings Bank | $1,680,000 | $870,000 | -48.2% | 0.1% |
| DRAPER AND KRAMER MORTGAGE CORP. | $2,715,000 | $845,000 | -68.9% | 0.1% |
| MERRIMACK VALLEY | $675,000 | $845,000 | 25.2% | 0.1% |
| CALIBER HOME LOANS, INC. | $4,250,000 | $835,000 | -80.4% | 0.1% |
| Profile Bank | $830,000 | n/a | 0.1% | |
| AFFINITY | $820,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $825,000 | $810,000 | -1.8% | 0.1% |
| FirstBank | $505,000 | $805,000 | 59.4% | 0.1% |
| NEW DAY FINANCIAL, LLC | $2,085,000 | $790,000 | -62.1% | 0.1% |
| Discover Bank | $240,000 | $785,000 | 227.1% | 0.1% |
| Magnolia Bank | $660,000 | $775,000 | 17.4% | 0.1% |
| Shamrock Home Loans, Inc. | $915,000 | $750,000 | -18.0% | 0.1% |
| Citibank | $3,440,000 | $715,000 | -79.2% | 0.1% |
| PHH Mortgage Corporation | $655,000 | n/a | 0.1% | |
| City of Boston Credit Union | $635,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $225,000 | $635,000 | 182.2% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $325,000 | $625,000 | 92.3% | 0.1% |
| Avidia Bank | $1,290,000 | $615,000 | -52.3% | 0.1% |
| Union Bank | $185,000 | $605,000 | 227.0% | 0.1% |
| DREW MORTGAGE ASSOCIATES, INC. | $275,000 | $600,000 | 118.2% | 0.1% |
| Equity Prime Mortgage LLC | $600,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $590,000 | n/a | 0.1% | |
| Figure Lending LLC | $100,000 | $590,000 | 490.0% | 0.1% |
| GUARANTY HOME MORTGAGE CORPORATION | $590,000 | n/a | 0.1% | |
| KeyBank | $1,490,000 | $590,000 | -60.4% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $570,000 | n/a | 0.1% | |
| Cornerstone Bank | $2,455,000 | $565,000 | -77.0% | 0.1% |
| EMBRACE HOME LOANS, INC. | $5,525,000 | $565,000 | -89.8% | 0.1% |
| LENDSURE MORTGAGE CORP. | $305,000 | $560,000 | 83.6% | 0.1% |
| NORTHEAST HOME LOAN, LLC | $195,000 | $550,000 | 182.1% | 0.1% |
| Meridian Bank Corporation | $535,000 | n/a | 0.1% | |
| NFM, INC. | $460,000 | $535,000 | 16.3% | 0.1% |
| Ross Mortgage Company, Inc. | $1,350,000 | $535,000 | -60.4% | 0.1% |
| Salem Five Cents Savings Bank | $225,000 | $530,000 | 135.6% | 0.1% |
| Coastal Heritage Bank | $515,000 | n/a | 0.1% | |
| Armed Forces Bank | $495,000 | n/a | 0.1% | |
| RESIDENTIAL MORTGAGE SERVICES, INC. | $28,845,000 | $495,000 | -98.3% | 0.1% |
| Bethpage Federal Credit Union | $475,000 | n/a | 0.1% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $470,000 | n/a | 0.1% | |
| Main Street Bank | $465,000 | n/a | 0.1% | |
| Cf Bank | $495,000 | $455,000 | -8.1% | 0.1% |
| Easthampton Savings Bank | $455,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,250,000 | $450,000 | -64.0% | 0.1% |
| AMWEST FUNDING CORP. | $445,000 | n/a | 0.1% | |
| MutualOne Bank | $445,000 | n/a | 0.1% | |
| People's United Bank | $3,670,000 | $440,000 | -88.0% | 0.1% |
| Farm Credit East, ACA | $625,000 | $435,000 | -30.4% | 0.1% |
| ADVANCIAL | $425,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $1,700,000 | $420,000 | -75.3% | 0.1% |
| SPRING EQ, LLC | $370,000 | $410,000 | 10.8% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $1,625,000 | $410,000 | -74.8% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $400,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $385,000 | n/a | 0.1% | |
| Members First Credit Union N.H. | $1,135,000 | $380,000 | -66.5% | 0.1% |
| Waterstone Mortgage Corporation | $2,105,000 | $380,000 | -81.9% | 0.1% |
| SIRVA MORTGAGE, INC. | $375,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $1,210,000 | $365,000 | -69.8% | 0.0% |
| A&D Mortgage LLC | $465,000 | $355,000 | -23.7% | 0.0% |
| Stifel Bank and Trust | $730,000 | $355,000 | -51.4% | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | $2,750,000 | $350,000 | -87.3% | 0.0% |
| State Department Federal Credit Union | $350,000 | n/a | 0.0% | |
| Haverhill Bank | $790,000 | $345,000 | -56.3% | 0.0% |
| Citadel Servicing Corporation | $335,000 | n/a | 0.0% | |
| Eagle Bank | $335,000 | n/a | 0.0% | |
| FIRST MORTGAGE COMPANY, INC. | $335,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $595,000 | $325,000 | -45.4% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $325,000 | n/a | 0.0% | |
| RTN FEDERAL CREDIT UNION | $155,000 | $320,000 | 106.5% | 0.0% |
| Bank of England | $1,010,000 | $315,000 | -68.8% | 0.0% |
| Mortgage Assurance Inc. | $660,000 | $305,000 | -53.8% | 0.0% |
| Prosperity Home Mortgage, LLC | $305,000 | n/a | 0.0% | |
| The Savings Bank | $305,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $295,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $385,000 | $290,000 | -24.7% | 0.0% |
| OAKTREE FUNDING CORP. | $285,000 | n/a | 0.0% | |
| Winter Hill Bank, FSB | $285,000 | n/a | 0.0% | |
| LIBERTY BAY CREDIT UNION | $225,000 | $280,000 | 24.4% | 0.0% |
| Luxury Mortgage Corp. | $415,000 | $275,000 | -33.7% | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $2,450,000 | $265,000 | -89.2% | 0.0% |
| The Lowell Five Cent Savings Bank | $840,000 | $265,000 | -68.5% | 0.0% |
| 21ST MORTGAGE CORPORATION | $330,000 | $255,000 | -22.7% | 0.0% |
| MEMBERS MORTGAGE COMPANY, INC. | $1,915,000 | $255,000 | -86.7% | 0.0% |
| OCMBC, INC. | $1,760,000 | $255,000 | -85.5% | 0.0% |
| Santander Bank, N.A. | $3,285,000 | $255,000 | -92.2% | 0.0% |
| UNITED MORTGAGE CORP. | $255,000 | n/a | 0.0% | |
| Pentucket Bank | $235,000 | n/a | 0.0% | |
| Republic State Mortgage Co. | $235,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $1,185,000 | $235,000 | -80.2% | 0.0% |
| ACADEMY MORTGAGE CORPORATION | $780,000 | $225,000 | -71.2% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $215,000 | n/a | 0.0% | |
| Fidelity Co-operative Bank | $545,000 | $210,000 | -61.5% | 0.0% |
| First Seacoast Bank | $2,880,000 | $205,000 | -92.9% | 0.0% |
| ROCKLAND | $405,000 | $205,000 | -49.4% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $295,000 | $195,000 | -33.9% | 0.0% |
| The Federal Savings Bank | $3,365,000 | $195,000 | -94.2% | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | $295,000 | $195,000 | -33.9% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $185,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $180,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $835,000 | $175,000 | -79.0% | 0.0% |
| BayCoast Bank | $140,000 | $160,000 | 14.3% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $105,000 | $155,000 | 47.6% | 0.0% |
| GFA Federal Credit Union | $150,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $135,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $95,000 | $135,000 | 42.1% | 0.0% |
| NEW ENGLAND FEDERAL CREDIT UNION | $125,000 | n/a | 0.0% | |
| Winchester Co-operative Bank | $320,000 | $115,000 | -64.1% | 0.0% |
| Cambridge Trust Company | $1,830,000 | $105,000 | -94.3% | 0.0% |
| MASS BAY Credit Union | $105,000 | n/a | 0.0% | |
| Norway Savings Bank | $105,000 | n/a | 0.0% | |
| UniBank for Savings | $185,000 | $105,000 | -43.2% | 0.0% |
| Jeanne D'Arc Credit Union | $1,265,000 | $95,000 | -92.5% | 0.0% |
Laconia's top lender by overall market share is Meredith Village Savings Bank, with 15.3% market share. In second place, with 6.9%, is Citizens Bank, having originated $50,945,000 in loans. In third place, with 4.6%, is QUICKEN LOANS, LLC, having originated $33,820,000 in loans. In fourth place, with 4.0%, is Northway Bank, having originated $29,225,000 in loans. In fifth place, with 3.7%, is Bank of New Hampshire, having originated $27,590,000 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 | $284,450 (5.4%) | $542,023 (-15.8%) | 0.00 | 329 |
| 2018-02-01 | $299,900 (11.1%) | $558,764 (-12.2%) | 0.00 | 319 |
| 2018-03-01 | $302,400 (12.0%) | $561,448 (-12.6%) | 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 (7.3%) | 0.00 | 465 |
| 2018-06-01 | $329,900 (14.9%) | $646,106 (5.2%) | 0.00 | 523 |
| 2018-07-01 | $333,725 (13.6%) | $614,175 (1.7%) | 0.00 | 558 |
| 2018-08-01 | $329,900 (10.3%) | $618,211 (4.0%) | 0.00 | 545 |
| 2018-09-01 | $319,450 (6.5%) | $589,377 (4.2%) | 0.00 | 564 |
| 2018-10-01 | $313,925 (4.7%) | $582,567 (-0.4%) | 0.00 | 549 |
| 2018-11-01 | $304,900 (1.7%) | $580,662 (-4.5%) | 0.00 | 491 |
| 2018-12-01 | $299,000 (-0.2%) | $593,492 (-2.2%) | 0.00 | 419 |
| 2019-01-01 | $299,900 (5.4%) | $609,097 (12.4%) | 0.00 | 365 |
| 2019-02-01 | $299,900 (0.0%) | $557,802 (-0.2%) | 0.00 | 336 |
| 2019-03-01 | $302,064 (-0.1%) | $564,757 (0.6%) | 0.00 | 343 |
| 2019-04-01 | $311,975 (0.8%) | $590,978 (3.2%) | 0.00 | 361 |
| 2019-05-01 | $337,950 (6.3%) | $626,508 (-4.7%) | 0.00 | 408 |
| 2019-06-01 | $334,500 (1.4%) | $574,861 (-11.0%) | 0.00 | 457 |
| 2019-07-01 | $325,000 (-2.6%) | $548,052 (-10.8%) | 0.00 | 514 |
| 2019-08-01 | $325,000 (-1.5%) | $551,634 (-10.8%) | 0.00 | 508 |
| 2019-09-01 | $325,000 (1.7%) | $554,971 (-5.8%) | 0.00 | 486 |
| 2019-10-01 | $327,000 (4.2%) | $557,196 (-4.4%) | 0.00 | 462 |
| 2019-11-01 | $324,900 (6.6%) | $522,506 (-10.0%) | 0.00 | 384 |
| 2019-12-01 | $317,400 (6.2%) | $518,350 (-12.7%) | 0.00 | 288 |
| 2020-01-01 | $307,400 (2.5%) | $560,413 (-8.0%) | 0.00 | 240 |
| 2020-02-01 | $314,450 (4.9%) | $573,569 (2.8%) | 0.00 | 213 |
| 2020-03-01 | $295,750 (-2.1%) | $534,751 (-5.3%) | 0.00 | 236 |
| 2020-04-01 | $299,974 (-3.9%) | $528,327 (-10.6%) | 0.00 | 280 |
| 2020-05-01 | $322,500 (-4.6%) | $592,913 (-5.4%) | 0.00 | 261 |
| 2020-06-01 | $359,450 (7.5%) | $643,573 (12.0%) | 0.00 | 231 |
| 2020-07-01 | $377,000 (16.0%) | $774,214 (41.3%) | 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%) | $696,642 (8.3%) | 0.00 | 144 |
| 2021-07-01 | $449,900 (19.3%) | $689,140 (-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 | $432,225 (27.5%) | $840,959 (47.9%) | 0.00 | 100 |
| 2022-01-01 | $431,450 (30.0%) | $873,190 (82.1%) | 0.00 | 76 |
| 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 | $592,450 (32.8%) | $829,647 (19.1%) | 0.00 | 172 |
| 2022-07-01 | $550,000 (22.3%) | $986,809 (43.2%) | 0.00 | 215 |
| 2022-08-01 | $563,675 (27.4%) | $978,897 (38.3%) | 0.00 | 209 |
| 2022-09-01 | $562,000 (26.4%) | $1,034,757 (42.4%) | 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 (21.5%) | $1,062,579 (26.4%) | 0.00 | 151 |
| 2023-01-01 | $591,725 (37.2%) | $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 (3.4%) | $1,088,917 (31.3%) | 0.00 | 149 |
| 2023-07-01 | $649,000 (18.0%) | $1,039,646 (5.4%) | 0.00 | 159 |
| 2023-08-01 | $596,200 (5.8%) | $1,003,609 (2.5%) | 0.00 | 181 |
Laconia's median listing price for 2023-08-01 was $596,200, a difference of
$32,525
(5.8%) versus the prior year and
$-52,800 versus the prior month.
Laconia's median listing price comes in at 0% of the national average.
Laconia's average listing price for 2023-08-01 was $1,003,609, a difference of $24,712 (2.5%) versus the prior year and $-36,037 versus the prior month.
For the 2023-08-01 period, Laconia had 181 MLS listings, a difference of 22 listings (14%) versus the prior month and -28 listings (-13%) versus the prior year.
Laconia's median listing price comes in at 0% of the national average.
Laconia's average listing price for 2023-08-01 was $1,003,609, a difference of $24,712 (2.5%) versus the prior year and $-36,037 versus the prior month.
For the 2023-08-01 period, Laconia had 181 MLS listings, a difference of 22 listings (14%) versus the prior month and -28 listings (-13%) 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 | 1,913 sqft |
| 2018-03-01 | 0 days | 1,851 sqft |
| 2018-04-01 | 0 days | 1,833 sqft |
| 2018-05-01 | 0 days | 1,850 sqft |
| 2018-06-01 | 0 days | 1,920 sqft |
| 2018-07-01 | 0 days | 1,933 sqft |
| 2018-08-01 | 0 days | 1,934 sqft |
| 2018-09-01 | 0 days | 1,906 sqft |
| 2018-10-01 | 0 days | 1,861 sqft |
| 2018-11-01 | 0 days | 1,842 sqft |
| 2018-12-01 | 0 days | 1,849 sqft |
| 2019-01-01 | 0 days | 1,801 sqft |
| 2019-02-01 | 0 days | 1,830 sqft |
| 2019-03-01 | 0 days | 1,800 sqft |
| 2019-04-01 | 0 days | 1,801 sqft |
| 2019-05-01 | 0 days | 1,919 sqft |
| 2019-06-01 | 0 days | 1,920 sqft |
| 2019-07-01 | 0 days | 1,853 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 | 1,789 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 | 1,840 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 | 1,877 sqft |
| 2022-07-01 | 0 days | 1,825 sqft |
| 2022-08-01 | 0 days | 1,855 sqft |
| 2022-09-01 | 0 days | 1,846 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 |
Laconia's median listing age (time on market) for 2023-08-01 was 0 days.
Laconia's median square footage for active listings during the 2023-08-01 period was 1,818 sqft. One year prior, the average listing was 1,855 sqft.
Laconia's median square footage for active listings during the 2023-08-01 period was 1,818 sqft. One year prior, the average listing was 1,855 sqft.
Laconia, NH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,045 | $414,295,000 | $396,455 |
| Cash Out Refi | 516 | $136,720,000 | $264,961 |
| Home Improvement | 375 | $56,675,000 | $151,133 |
| Other | 253 | $69,325,000 | $274,012 |
| Refi | 238 | $60,680,000 | $254,958 |
Laconia's most frequently cited loan purpose was Home Purchase, with 1,045 originations. The 2nd most popular reason was Cash Out Refi, with 516 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 587 | $186,055,000 | $316,959 |
| 4-5% | 550 | $178,910,000 | $325,291 |
| 5-6% | 513 | $154,455,000 | $301,082 |
| 6-7% | 258 | $68,820,000 | $266,744 |
| 2.5-3% | 212 | $74,190,000 | $349,953 |
| <2.5% | 110 | $29,540,000 | $268,545 |
| 7-8% | 76 | $13,550,000 | $178,289 |
| Over 8% | 50 | $5,810,000 | $116,200 |
During 2022, Laconia's most frequently originated rate bucket was 3-4%, with 587 originations.
Loan Sizing (Laconia, NH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 998 | $282,310,000 | $282,876 |
| $100k-200k | 558 | $81,750,000 | $146,505 |
| $100,000 or less | 382 | $21,930,000 | $57,408 |
| $400k-600k | 284 | $134,720,000 | $474,366 |
| $600k-1000k | 130 | $92,300,000 | $710,000 |
| $Over $1MM | 75 | $124,685,000 | $1,662,467 |
Laconia's loan sizing saw the bucket of loans from $200k-400k with 998 originations, totaling $282,310,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 692 | $264,030,000 | $381,546 |
| 80-100% | 583 | $224,425,000 | $384,949 |
| 20-40% | 384 | $78,580,000 | $204,635 |
| 40-60% | 366 | $116,560,000 | $318,470 |
| Under 20% | 316 | $21,770,000 | $68,892 |
| Over 100% | 15 | $4,965,000 | $331,000 |
Laconia's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 692 originations, totaling $264,030,000 in origination value.