Laconia Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Laconia averaged
6.2%
for the week of 2022-06-23, compared to the national average of
5.81% for the same period.
The average rate for the prior week (2022-06-16) was
6.07% and
one month ago for the week of 2022-05-19, the
average rate was 5.54%.
Laconia's average rate one year ago was 3.39%.
For refis of the same type during the week of 2022-06-23, the average rate
was 5.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-23 | 5.81% |
| Laconia 30 Year Fixed Rate | 2022-06-23 | 6.2% |
| Laconia 30 Year Fixed Rate Refi | 2022-06-23 | 5.91% |
| Laconia 15 Year Fixed Rate | 2022-06-23 | 5.09% |
| Laconia 15 Year Fixed Rate Refi | 2022-06-23 | 5% |
| Laconia 30 Year FHA | 2022-06-23 | 0.36% |
| Laconia 30 Year FHA Refi | 2022-06-23 | 0% |
| Laconia 30 Year USDA | 2022-06-23 | -0.18% |
| Laconia 30 Year USDA Refi | 2022-06-23 | -0.13% |
| Laconia 30 Year VA | 2022-06-23 | 0.04% |
| Laconia 30 Year VA Refi | 2022-06-23 | -0.26% |
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 lendor, 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, NH's 176 lenders originated 3,852
loans during 2021. The total origination value was $1,105,560,000, with an average loan value of
$287,009.
The top Laconia lender as defined by loan originations is QUICKEN LOANS, LLC, with
190 loans originated. Their average total fees are
$5,210, which is $2,284
higher than the next largest lender,
Meredith Village Savings Bank.
The lowest fee Laconia lenders (with over 10 loans originated) are
EVERETT FINANCIAL, INC. ($2,684), Service Federal Credit Union ($2,840), Merrimack County Savings Bank ($2,846), TD Bank ($2,877) and Meredith Village Savings Bank ($2,925).
The lowest rate Laconia lenders (with over 10 loans originated) are
Bank of America (2.52%), AMERISAVE MORTGAGE CORPORATION (2.92%), NORTHPOINT MORTGAGE, INC. (2.93%), EMM LOANS LLC (2.94%) and JPMorgan Chase Bank (2.94%).
Laconia, 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $73,705,000 | $87,570,000 | 18.8% | 7.9% |
| Meredith Village Savings Bank | $91,795,000 | $85,780,000 | -6.6% | 7.8% |
| Bank of New Hampshire | $45,150,000 | $57,150,000 | 26.6% | 5.2% |
| Citizens Bank | $35,490,000 | $51,010,000 | 43.7% | 4.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $22,080,000 | $45,320,000 | 105.3% | 4.1% |
| CMG MORTGAGE, INC. | $36,400,000 | $38,795,000 | 6.6% | 3.5% |
| RESIDENTIAL MORTGAGE SERVICES, INC. | $39,890,000 | $28,845,000 | -27.7% | 2.6% |
| TD Bank | $12,765,000 | $28,680,000 | 124.7% | 2.6% |
| HARBORONE MORTGAGE, LLC | $28,355,000 | $25,320,000 | -10.7% | 2.3% |
| LOANDEPOT.COM, LLC | $12,865,000 | $24,385,000 | 89.5% | 2.2% |
| Bank of America | $19,560,000 | $20,405,000 | 4.3% | 1.8% |
| Northway Bank | $25,190,000 | $19,560,000 | -22.4% | 1.8% |
| GUARANTEED RATE, INC. | $9,895,000 | $18,540,000 | 87.4% | 1.7% |
| AMERISAVE MORTGAGE CORPORATION | $7,715,000 | $17,085,000 | 121.5% | 1.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $13,455,000 | $15,450,000 | 14.8% | 1.4% |
| Wells Fargo Bank | $8,995,000 | $15,230,000 | 69.3% | 1.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $6,565,000 | $14,805,000 | 125.5% | 1.3% |
| FREEDOM MORTGAGE CORPORATION | $17,455,000 | $14,130,000 | -19.0% | 1.3% |
| ST. MARY'S BANK | $12,365,000 | $13,765,000 | 11.3% | 1.2% |
| GUARANTEED RATE AFFINITY, LLC | $7,420,000 | $13,085,000 | 76.3% | 1.2% |
| NEWREZ LLC | $6,135,000 | $13,000,000 | 111.9% | 1.2% |
| NBT Bank | $1,550,000 | $12,915,000 | 733.2% | 1.2% |
| Franklin Savings Bank | $11,330,000 | $12,040,000 | 6.3% | 1.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $6,705,000 | $11,400,000 | 70.0% | 1.0% |
| Mortgage Research Center, LLC | $9,955,000 | $10,500,000 | 5.5% | 0.9% |
| ENVOY MORTGAGE, LTD | $8,570,000 | $10,135,000 | 18.3% | 0.9% |
| Leader Bank | $7,095,000 | $9,740,000 | 37.3% | 0.9% |
| Service Federal Credit Union | $10,400,000 | $9,275,000 | -10.8% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $6,240,000 | $9,075,000 | 45.4% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $8,410,000 | $8,910,000 | 5.9% | 0.8% |
| Granite State Credit Union | $8,915,000 | $8,835,000 | -0.9% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $5,080,000 | $8,395,000 | 65.3% | 0.8% |
| Mortgage Network, Inc. | $7,180,000 | $8,390,000 | 16.9% | 0.8% |
| JPMorgan Chase Bank | $18,675,000 | $8,195,000 | -56.1% | 0.7% |
| LEADERONE FINANCIAL CORPORATION | $4,635,000 | $7,345,000 | 58.5% | 0.7% |
| NEW HAMPSHIRE | $4,660,000 | $7,045,000 | 51.2% | 0.6% |
| EMM LOANS LLC | $7,280,000 | $7,005,000 | -3.8% | 0.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $10,275,000 | $6,810,000 | -33.7% | 0.6% |
| First Republic Bank | $2,480,000 | $6,590,000 | 165.7% | 0.6% |
| DIGITAL Federal Credit Union | $4,395,000 | $6,575,000 | 49.6% | 0.6% |
| NORTHPOINT MORTGAGE, INC. | $7,175,000 | $6,405,000 | -10.7% | 0.6% |
| Eastern Bank | $6,275,000 | $6,375,000 | 1.6% | 0.6% |
| Merrimack County Savings Bank | $8,865,000 | $6,310,000 | -28.8% | 0.6% |
| Bar Harbor Bank & Trust | $11,450,000 | $6,190,000 | -45.9% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $3,890,000 | $5,705,000 | 46.7% | 0.5% |
| EMBRACE HOME LOANS, INC. | $2,020,000 | $5,525,000 | 173.5% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $2,810,000 | $5,510,000 | 96.1% | 0.5% |
| BROKER SOLUTIONS, INC. | $1,255,000 | $5,360,000 | 327.1% | 0.5% |
| Newburyport Five Cents Savings Bank | $355,000 | $5,205,000 | 1,366.2% | 0.5% |
| NORTHEAST CREDIT UNION | $6,920,000 | $5,055,000 | -27.0% | 0.5% |
| EVERETT FINANCIAL, INC. | $8,160,000 | $4,965,000 | -39.2% | 0.4% |
| Morgan Stanley Private Bank | $2,575,000 | $4,615,000 | 79.2% | 0.4% |
| BELLWETHER COMMUNITY | $2,065,000 | $4,525,000 | 119.1% | 0.4% |
| HOME POINT FINANCIAL CORPORATION | $4,110,000 | $4,515,000 | 9.9% | 0.4% |
| NEW FED MORTGAGE, CORP. | $3,790,000 | $4,400,000 | 16.1% | 0.4% |
| Envision Bank | $3,115,000 | $4,300,000 | 38.0% | 0.4% |
| Bangor Savings Bank | $2,705,000 | $4,285,000 | 58.4% | 0.4% |
| CALIBER HOME LOANS, INC. | $6,130,000 | $4,250,000 | -30.7% | 0.4% |
| Charles Schwab Bank, SSB | $705,000 | $4,035,000 | 472.3% | 0.4% |
| SALEM FIVE MORTGAGE COMPANY, LLC | $6,330,000 | $3,985,000 | -37.0% | 0.4% |
| Mascoma Bank | $880,000 | $3,755,000 | 326.7% | 0.3% |
| People's United Bank | $4,285,000 | $3,670,000 | -14.4% | 0.3% |
| Boston Private Bank & Trust Company | $3,455,000 | n/a | 0.3% | |
| Citibank | $2,825,000 | $3,440,000 | 21.8% | 0.3% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $3,405,000 | n/a | 0.3% | |
| The Federal Savings Bank | $3,630,000 | $3,365,000 | -7.3% | 0.3% |
| Santander Bank, N.A. | $1,085,000 | $3,285,000 | 202.8% | 0.3% |
| Enterprise Bank and Trust Company | $3,230,000 | $3,155,000 | -2.3% | 0.3% |
| BAYCOAST MORTGAGE COMPANY, LLC | $3,135,000 | n/a | 0.3% | |
| Raymond James Bank | $755,000 | $3,120,000 | 313.2% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $4,960,000 | $3,070,000 | -38.1% | 0.3% |
| First Seacoast Bank | $990,000 | $2,880,000 | 190.9% | 0.3% |
| U.S. Bank | $5,430,000 | $2,835,000 | -47.8% | 0.3% |
| MORTGAGE EQUITY PARTNERS LLC | $3,055,000 | $2,750,000 | -10.0% | 0.2% |
| DRAPER AND KRAMER MORTGAGE CORP. | $3,125,000 | $2,715,000 | -13.1% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,295,000 | $2,645,000 | -19.7% | 0.2% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | $710,000 | $2,485,000 | 250.0% | 0.2% |
| Cornerstone Bank | $1,590,000 | $2,455,000 | 54.4% | 0.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $3,240,000 | $2,450,000 | -24.4% | 0.2% |
| TOTAL MORTGAGE SERVICES, LLC | $960,000 | $2,320,000 | 141.7% | 0.2% |
| USAA Federal Savings Bank | $4,625,000 | $2,145,000 | -53.6% | 0.2% |
| Waterstone Mortgage Corporation | $2,515,000 | $2,105,000 | -16.3% | 0.2% |
| NEW DAY FINANCIAL, LLC | $2,650,000 | $2,085,000 | -21.3% | 0.2% |
| Webster Bank | $555,000 | $2,070,000 | 273.0% | 0.2% |
| NBKC BANK | $185,000 | $2,065,000 | 1,016.2% | 0.2% |
| GUILD MORTGAGE COMPANY | $2,025,000 | n/a | 0.2% | |
| SIS BANCORP, MHC | $3,635,000 | $1,995,000 | -45.1% | 0.2% |
| PNC Bank | $475,000 | $1,985,000 | 317.9% | 0.2% |
| Rockland Trust Company | $2,745,000 | $1,980,000 | -27.9% | 0.2% |
| Triangle Credit Union | $2,690,000 | $1,975,000 | -26.6% | 0.2% |
| RADIUS FINANCIAL GROUP INC. | $3,760,000 | $1,940,000 | -48.4% | 0.2% |
| MEMBERS MORTGAGE COMPANY, INC. | $1,095,000 | $1,915,000 | 74.9% | 0.2% |
| Cambridge Trust Company | $2,730,000 | $1,830,000 | -33.0% | 0.2% |
| First Guaranty Mortgage Corporation | $1,015,000 | $1,800,000 | 77.3% | 0.2% |
| UBS Bank USA | $3,120,000 | $1,775,000 | -43.1% | 0.2% |
| OCMBC, INC. | $1,760,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $1,760,000 | $1,700,000 | -3.4% | 0.2% |
| First Savings Bank | $1,275,000 | $1,680,000 | 31.8% | 0.2% |
| Wyndham Capital Mortgage, Inc. | $570,000 | $1,625,000 | 185.1% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $645,000 | $1,585,000 | 145.7% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $2,385,000 | $1,535,000 | -35.6% | 0.1% |
| Flagstar Bank, FSB | $2,045,000 | $1,495,000 | -26.9% | 0.1% |
| KeyBank | $1,435,000 | $1,490,000 | 3.8% | 0.1% |
| ARC HOME LLC | $890,000 | $1,450,000 | 62.9% | 0.1% |
| Brookline Bank | $1,405,000 | n/a | 0.1% | |
| Truist Bank | $770,000 | $1,370,000 | 77.9% | 0.1% |
| Pinnacle Bank | $1,360,000 | n/a | 0.1% | |
| Ross Mortgage Company, Inc. | $685,000 | $1,350,000 | 97.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $425,000 | $1,295,000 | 204.7% | 0.1% |
| Avidia Bank | $685,000 | $1,290,000 | 88.3% | 0.1% |
| Jeanne D'Arc Credit Union | $1,665,000 | $1,265,000 | -24.0% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,625,000 | $1,250,000 | -23.1% | 0.1% |
| Northpointe Bank | $1,365,000 | $1,245,000 | -8.8% | 0.1% |
| HANSCOM | $1,000,000 | $1,215,000 | 21.5% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $335,000 | $1,210,000 | 261.2% | 0.1% |
| BNY Mellon | $1,655,000 | $1,205,000 | -27.2% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $1,200,000 | n/a | 0.1% | |
| METRO | $1,075,000 | $1,190,000 | 10.7% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $705,000 | $1,185,000 | 68.1% | 0.1% |
| Fulton Bank | $1,145,000 | n/a | 0.1% | |
| Members First Credit Union N.H. | $145,000 | $1,135,000 | 682.8% | 0.1% |
| Berkshire Bank | $975,000 | $1,125,000 | 15.4% | 0.1% |
| BAY EQUITY LLC | $830,000 | $1,115,000 | 34.3% | 0.1% |
| The Camden National Bank | $1,410,000 | $1,115,000 | -20.9% | 0.1% |
| Holy Rosary Regional Credit Union | $2,150,000 | $1,015,000 | -52.8% | 0.1% |
| Bank of England | $400,000 | $1,010,000 | 152.5% | 0.1% |
| ZILLOW HOME LOANS, LLC | $420,000 | $960,000 | 128.6% | 0.1% |
| Northmark Bank | $950,000 | n/a | 0.1% | |
| Home Loan Investment Bank, F.S.B. | $1,435,000 | $930,000 | -35.2% | 0.1% |
| Shamrock Home Loans, Inc. | $915,000 | n/a | 0.1% | |
| Poli Mortgage Group, Inc. | $325,000 | $890,000 | 173.8% | 0.1% |
| ACCELERATE MORTGAGE, LLC | $845,000 | n/a | 0.1% | |
| Northern Bank & Trust Company | $840,000 | n/a | 0.1% | |
| The Lowell Five Cent Savings Bank | $1,340,000 | $840,000 | -37.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $835,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $1,230,000 | $825,000 | -32.9% | 0.1% |
| Nations Lending Corporation | $300,000 | $825,000 | 175.0% | 0.1% |
| RESIDENTIAL BANCORP. | $825,000 | n/a | 0.1% | |
| North Shore Bank, a Co-operative Bank | $1,490,000 | $795,000 | -46.6% | 0.1% |
| Haverhill Bank | $755,000 | $790,000 | 4.6% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $305,000 | $780,000 | 155.7% | 0.1% |
| STEARNS LENDING, LLC | $670,000 | $765,000 | 14.2% | 0.1% |
| Stifel Bank and Trust | $515,000 | $730,000 | 41.7% | 0.1% |
| City Bank | $725,000 | n/a | 0.1% | |
| Institution for Savings in Newburyport and Its Vicinity | $765,000 | $690,000 | -9.8% | 0.1% |
| Wakefield Co-operative Bank | $305,000 | $685,000 | 124.6% | 0.1% |
| MERRIMACK VALLEY | $1,485,000 | $675,000 | -54.5% | 0.1% |
| Magnolia Bank | $145,000 | $660,000 | 355.2% | 0.1% |
| Mortgage Assurance Inc. | $275,000 | $660,000 | 140.0% | 0.1% |
| SOFI LENDING CORP. | $660,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $650,000 | n/a | 0.1% | |
| Farm Credit East, ACA | $205,000 | $625,000 | 204.9% | 0.1% |
| Winchester Savings Bank | $625,000 | n/a | 0.1% | |
| Kennebunk Savings Bank | $610,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $785,000 | $610,000 | -22.3% | 0.1% |
| CHEVRON | $605,000 | n/a | 0.1% | |
| VILLAGE CAPITAL & INVESTMENT LLC | $605,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $975,000 | $595,000 | -39.0% | 0.1% |
| First National Bank of America | $475,000 | $580,000 | 22.1% | 0.1% |
| CENTRAL ONE FEDERAL CREDIT UNION | $155,000 | $565,000 | 264.5% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $405,000 | $560,000 | 38.3% | 0.1% |
| Assurance Financial Group, L.L.C. | $235,000 | $550,000 | 134.0% | 0.0% |
| ALLIANT CREDIT UNION | $545,000 | n/a | 0.0% | |
| Fidelity Co-operative Bank | $45,000 | $545,000 | 1,111.1% | 0.0% |
| Manufacturers and Traders Trust Company | $375,000 | $535,000 | 42.7% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $530,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $825,000 | $530,000 | -35.8% | 0.0% |
| Workers Credit Union | $1,095,000 | $525,000 | -52.1% | 0.0% |
| AmRes Corporation | $515,000 | n/a | 0.0% | |
| FirstBank | $1,145,000 | $505,000 | -55.9% | 0.0% |
| USAlliance Federal Credit Union | $1,135,000 | $505,000 | -55.5% | 0.0% |
| Cf Bank | $165,000 | $495,000 | 200.0% | 0.0% |
| Patriot Community Bank | $490,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $475,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $155,000 | $470,000 | 203.2% | 0.0% |
| A&D Mortgage LLC | $465,000 | n/a | 0.0% | |
| LENDUS, LLC | $475,000 | $460,000 | -3.2% | 0.0% |
| NFM, INC. | $1,615,000 | $460,000 | -71.5% | 0.0% |
| NBH Bank | $465,000 | $455,000 | -2.2% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $105,000 | $450,000 | 328.6% | 0.0% |
| First Internet Bank of Indiana | $285,000 | $445,000 | 56.1% | 0.0% |
| Strong Home Mortgage, LLC | $445,000 | n/a | 0.0% | |
| LOGIX FEDERAL CREDIT UNION | $435,000 | n/a | 0.0% | |
| Evolve Bank & Trust | $360,000 | $415,000 | 15.3% | 0.0% |
| Luxury Mortgage Corp. | $415,000 | n/a | 0.0% | |
| ROCKLAND | $405,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $200,000 | $385,000 | 92.5% | 0.0% |
| Piscataqua Savings Bank | $385,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $275,000 | $380,000 | 38.2% | 0.0% |
| Salem Co-Operative Bank | $1,505,000 | $375,000 | -75.1% | 0.0% |
| SPRING EQ, LLC | $415,000 | $370,000 | -10.8% | 0.0% |
| BNC National Bank | $850,000 | $365,000 | -57.1% | 0.0% |
| First Federal Bank of Kansas City | $475,000 | $365,000 | -23.2% | 0.0% |
| First Home Bank | $235,000 | $365,000 | 55.3% | 0.0% |
| Quontic Bank | $365,000 | n/a | 0.0% | |
| BOSTON FIREFIGHTERS | $350,000 | n/a | 0.0% | |
| Everett Co-operative Bank | $345,000 | n/a | 0.0% | |
| Union Savings Bank | $335,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $295,000 | $330,000 | 11.9% | 0.0% |
| FINANCE OF AMERICA MORTGAGE LLC | $725,000 | $325,000 | -55.2% | 0.0% |
| Winchester Co-operative Bank | $1,170,000 | $320,000 | -72.6% | 0.0% |
| DAS Acquisition Company, LLC | $315,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $315,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $305,000 | n/a | 0.0% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $275,000 | $305,000 | 10.9% | 0.0% |
| Visio Financial Services Inc. | $305,000 | n/a | 0.0% | |
| InterContinental Capital Group, Inc | $155,000 | $295,000 | 90.3% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $295,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $235,000 | $295,000 | 25.5% | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | $295,000 | n/a | 0.0% | |
| Bristol County Savings Bank | $285,000 | n/a | 0.0% | |
| FINANCE OF AMERICA COMMERCIAL LLC | $285,000 | n/a | 0.0% | |
| Prime Choice Funding Inc. | $285,000 | n/a | 0.0% | |
| DREW MORTGAGE ASSOCIATES, INC. | $460,000 | $275,000 | -40.2% | 0.0% |
| INLAND BANK & TRUST | $480,000 | $275,000 | -42.7% | 0.0% |
| City National Bank | $2,545,000 | $265,000 | -89.6% | 0.0% |
| Middletown Valley Bank | $265,000 | n/a | 0.0% | |
| Baxter Credit Union | $255,000 | n/a | 0.0% | |
| FIRST HOME MORTGAGE CORPORATION | $255,000 | n/a | 0.0% | |
| LENDERFI, INC. | $255,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $245,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $245,000 | n/a | 0.0% | |
| Washington Savings Bank | $1,290,000 | $245,000 | -81.0% | 0.0% |
| Discover Bank | $245,000 | $240,000 | -2.0% | 0.0% |
| Fall River Five Cents Savings Bank | $2,380,000 | $235,000 | -90.1% | 0.0% |
| MILLBURY FEDERAL CREDIT UNION | $1,405,000 | $235,000 | -83.3% | 0.0% |
| LIBERTY BAY CREDIT UNION | $315,000 | $225,000 | -28.6% | 0.0% |
| Navigant Credit Union | $225,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $305,000 | $225,000 | -26.2% | 0.0% |
| Salem Five Cents Savings Bank | $205,000 | $225,000 | 9.8% | 0.0% |
| Firstrust Savings Bank | $215,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $205,000 | n/a | 0.0% | |
| Low VA Rates, LLC | $255,000 | $205,000 | -19.6% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $195,000 | $205,000 | 5.1% | 0.0% |
| SEVERN SAVINGS BANK, FSB DBA SEVERN BANK | $205,000 | n/a | 0.0% | |
| TIAA, FSB | $825,000 | $205,000 | -75.2% | 0.0% |
| CUSO MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| NORTHEAST HOME LOAN, LLC | $590,000 | $195,000 | -66.9% | 0.0% |
| CANOPY MORTGAGE, LLC | $185,000 | n/a | 0.0% | |
| PARKSIDE LENDING, LLC | $135,000 | $185,000 | 37.0% | 0.0% |
| UniBank for Savings | $185,000 | n/a | 0.0% | |
| Union Bank | $430,000 | $185,000 | -57.0% | 0.0% |
| WINGS FINANCIAL | $185,000 | n/a | 0.0% | |
| ALIGN CREDIT UNION | $1,015,000 | $165,000 | -83.7% | 0.0% |
| First Federal Bank | $965,000 | $165,000 | -82.9% | 0.0% |
| Goldwater Bank, N.A. | $275,000 | $165,000 | -40.0% | 0.0% |
| Reading Co-Operative Bank | $165,000 | n/a | 0.0% | |
| Axos Bank | $155,000 | n/a | 0.0% | |
| RTN FEDERAL CREDIT UNION | $450,000 | $155,000 | -65.6% | 0.0% |
| The Northern Trust Company | $145,000 | n/a | 0.0% | |
| BayCoast Bank | $325,000 | $140,000 | -56.9% | 0.0% |
| GREENWOOD | $130,000 | n/a | 0.0% | |
| BMO Harris Bank | $125,000 | n/a | 0.0% | |
| CONSTRUCTIVE LOANS, LLC | $125,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $125,000 | n/a | 0.0% | |
| MEGASTAR FINANCIAL CORP. | $115,000 | n/a | 0.0% | |
| AIR ACADEMY | $105,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Figure Lending LLC | $115,000 | $100,000 | -13.0% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $410,000 | $95,000 | -76.8% | 0.0% |
| WEBSTER FIRST Federal Credit Union | $135,000 | $85,000 | -37.0% | 0.0% |
| NESC | $155,000 | $25,000 | -83.9% | 0.0% |
Laconia's top lender by overall market share is QUICKEN LOANS, LLC, with 7.9% market share. In second place, with 7.8%, is Meredith Village Savings Bank, having originated $85,780,000 in loans. In third place, with 5.2%, is Bank of New Hampshire, having originated $57,150,000 in loans. In third place, with 4.6%, is Citizens Bank, having originated $51,010,000 in loans. In third place, with 4.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $45,320,000 in loans.
Laconia, NH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 1,321 | $343,555,000 | $260,072 |
| Home Purchase | 1,231 | $437,905,000 | $355,731 |
| Cash Out Refi | 985 | $255,145,000 | $259,030 |
| Home Improvement | 172 | $28,580,000 | $166,163 |
| Other | 143 | $40,375,000 | $282,343 |
Laconia's most frequently cited loan purpose was Refi, with 1,321 originations. The 2nd most popular reason was Home Purchase, with 1,231 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,486 | $429,550,000 | $289,065 |
| 3-4% | 1,412 | $410,530,000 | $290,744 |
| <2.5% | 655 | $202,125,000 | $308,588 |
| 4-5% | 106 | $17,610,000 | $166,132 |
| 5-6% | 68 | $8,070,000 | $118,676 |
| 6-7% | 13 | $1,065,000 | $81,923 |
| 7-8% | 8 | $870,000 | $108,750 |
| Over 8% | 4 | $430,000 | $107,500 |
During 2021, Laconia's most frequently originated rate bucket was 2.5-3%, with 1,486 originations.
Loan Sizing (Laconia, NH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,796 | $492,570,000 | $274,259 |
| $100k-200k | 1,230 | $189,350,000 | $153,943 |
| $400k-600k | 378 | $180,780,000 | $478,254 |
| $100,000 or less | 257 | $16,295,000 | $63,405 |
| $600k-1000k | 111 | $81,985,000 | $738,604 |
| $Over $1MM | 80 | $144,580,000 | $1,807,250 |
Laconia's loan sizing saw the bucket of loans from $200k-400k with 1,796 originations, totaling $492,570,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 1,394 | $448,670,000 | $321,858 |
| 80-100% | 909 | $294,735,000 | $324,241 |
| 40-60% | 823 | $212,275,000 | $257,928 |
| 20-40% | 384 | $71,880,000 | $187,188 |
| Under 20% | 138 | $13,790,000 | $99,928 |
| Over 100% | 19 | $7,255,000 | $381,842 |
Laconia's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,394 originations, totaling $448,670,000 in origination value.
Market Conditions (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 | $289,450 (6.2%) | $544,559 (-17.8%) | 0.00 | 324 |
| 2018-02-01 | $299,900 (11.1%) | $566,210 (-13.2%) | 0.00 | 314 |
| 2018-03-01 | $310,000 (14.8%) | $568,948 (-13.0%) | 0.00 | 331 |
| 2018-04-01 | $320,473 (14.9%) | $582,025 (-9.7%) | 0.00 | 377 |
| 2018-05-01 | $325,000 (17.4%) | $666,246 (6.7%) | 0.00 | 456 |
| 2018-06-01 | $335,000 (15.9%) | $657,770 (4.7%) | 0.00 | 510 |
| 2018-07-01 | $341,450 (14.2%) | $623,307 (1.5%) | 0.00 | 545 |
| 2018-08-01 | $330,000 (10.0%) | $623,298 (3.0%) | 0.00 | 537 |
| 2018-09-01 | $324,900 (5.2%) | $600,977 (4.0%) | 0.00 | 548 |
| 2018-10-01 | $319,500 (3.1%) | $599,460 (1.2%) | 0.00 | 533 |
| 2018-11-01 | $307,400 (1.0%) | $593,149 (-2.7%) | 0.00 | 478 |
| 2018-12-01 | $299,900 (0.0%) | $607,983 (-1.0%) | 0.00 | 409 |
| 2019-01-01 | $299,950 (3.6%) | $625,697 (14.9%) | 0.00 | 356 |
| 2019-02-01 | $299,900 (0.0%) | $571,531 (0.9%) | 0.00 | 329 |
| 2019-03-01 | $304,229 (-1.9%) | $572,542 (0.6%) | 0.00 | 339 |
| 2019-04-01 | $317,500 (-0.9%) | $598,694 (2.9%) | 0.00 | 355 |
| 2019-05-01 | $344,450 (6.0%) | $634,423 (-4.8%) | 0.00 | 407 |
| 2019-06-01 | $339,900 (1.5%) | $583,159 (-11.3%) | 0.00 | 448 |
| 2019-07-01 | $329,450 (-3.5%) | $558,349 (-10.4%) | 0.00 | 499 |
| 2019-08-01 | $322,957 (-2.1%) | $552,147 (-11.4%) | 0.00 | 502 |
| 2019-09-01 | $318,457 (-2.0%) | $545,406 (-9.3%) | 0.00 | 487 |
| 2019-10-01 | $334,450 (4.7%) | $578,631 (-3.5%) | 0.00 | 441 |
| 2019-11-01 | $329,900 (7.3%) | $531,914 (-10.3%) | 0.00 | 364 |
| 2019-12-01 | $322,450 (7.5%) | $529,293 (-12.9%) | 0.00 | 279 |
| 2020-01-01 | $307,400 (2.5%) | $570,044 (-8.9%) | 0.00 | 229 |
| 2020-02-01 | $324,900 (8.3%) | $586,428 (2.6%) | 0.00 | 206 |
| 2020-03-01 | $302,200 (-0.7%) | $570,332 (-0.4%) | 0.00 | 223 |
| 2020-04-01 | $322,450 (1.6%) | $548,518 (-8.4%) | 0.00 | 271 |
| 2020-05-01 | $339,900 (-1.3%) | $616,427 (-2.8%) | 0.00 | 247 |
| 2020-06-01 | $377,219 (11.0%) | $666,168 (14.2%) | 0.00 | 218 |
| 2020-07-01 | $399,900 (21.4%) | $811,024 (45.3%) | 0.00 | 186 |
| 2020-08-01 | $395,000 (22.3%) | $793,870 (43.8%) | 0.00 | 181 |
| 2020-09-01 | $369,900 (16.2%) | $662,206 (21.4%) | 0.00 | 183 |
| 2020-10-01 | $379,000 (13.3%) | $632,800 (9.4%) | 0.00 | 185 |
| 2020-11-01 | $359,450 (9.0%) | $589,768 (10.9%) | 0.00 | 164 |
| 2020-12-01 | $340,000 (5.4%) | $592,744 (12.0%) | 0.00 | 127 |
| 2021-01-01 | $349,000 (13.5%) | $503,421 (-11.7%) | 0.00 | 90 |
| 2021-02-01 | $366,500 (12.8%) | $551,265 (-6.0%) | 0.00 | 78 |
| 2021-03-01 | $399,450 (32.2%) | $624,086 (9.4%) | 0.00 | 90 |
| 2021-04-01 | $412,450 (27.9%) | $685,073 (24.9%) | 0.00 | 105 |
| 2021-05-01 | $425,000 (25.0%) | $657,694 (6.7%) | 0.00 | 130 |
| 2021-06-01 | $444,450 (17.8%) | $691,684 (3.8%) | 0.00 | 142 |
| 2021-07-01 | $459,475 (14.9%) | $688,503 (-15.1%) | 0.00 | 162 |
| 2021-08-01 | $454,950 (15.2%) | $717,069 (-9.7%) | 0.00 | 177 |
| 2021-09-01 | $447,500 (21.0%) | $738,152 (11.5%) | 0.00 | 167 |
| 2021-10-01 | $445,000 (17.4%) | $735,301 (16.2%) | 0.00 | 152 |
| 2021-11-01 | $429,000 (19.4%) | $742,198 (25.9%) | 0.00 | 135 |
| 2021-12-01 | $432,450 (27.2%) | $846,798 (42.9%) | 0.00 | 100 |
| 2022-01-01 | $437,900 (25.5%) | $885,588 (75.9%) | 0.00 | 76 |
| 2022-02-01 | $467,350 (27.5%) | $940,537 (70.6%) | 0.00 | 66 |
| 2022-03-01 | $480,000 (20.2%) | $926,282 (48.4%) | 0.00 | 64 |
| 2022-04-01 | $499,000 (21.0%) | $880,065 (28.5%) | 0.00 | 90 |
| 2022-05-01 | $525,000 (23.5%) | $826,508 (25.7%) | 0.00 | 130 |
Laconia's median listing price for 2022-05-01 was $525,000, a difference of
$100,000
(23.5%) versus the prior year and
$26,000 versus the prior month.
Laconia's median listing price comes in at 0% of the national average.
Laconia's average listing price for 2022-05-01 was $826,508, a difference of $168,814 (25.7%) versus the prior year and $-53,557 versus the prior month.
For the 2022-05-01 period, Laconia had 130 MLS listings, a difference of 40 listings (44%) versus the prior month and 0 listings (0%) versus the prior year.
Laconia's median listing price comes in at 0% of the national average.
Laconia's average listing price for 2022-05-01 was $826,508, a difference of $168,814 (25.7%) versus the prior year and $-53,557 versus the prior month.
For the 2022-05-01 period, Laconia had 130 MLS listings, a difference of 40 listings (44%) versus the prior month and 0 listings (0%) 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 | 1,902 sqft |
| 2018-02-01 | 0 days | 1,908 sqft |
| 2018-03-01 | 0 days | 1,851 sqft |
| 2018-04-01 | 0 days | 1,830 sqft |
| 2018-05-01 | 0 days | 1,842 sqft |
| 2018-06-01 | 0 days | 1,900 sqft |
| 2018-07-01 | 0 days | 1,925 sqft |
| 2018-08-01 | 0 days | 1,927 sqft |
| 2018-09-01 | 0 days | 1,906 sqft |
| 2018-10-01 | 0 days | 1,873 sqft |
| 2018-11-01 | 0 days | 1,837 sqft |
| 2018-12-01 | 0 days | 1,825 sqft |
| 2019-01-01 | 0 days | 1,800 sqft |
| 2019-02-01 | 0 days | 1,828 sqft |
| 2019-03-01 | 0 days | 1,800 sqft |
| 2019-04-01 | 0 days | 1,825 sqft |
| 2019-05-01 | 0 days | 1,951 sqft |
| 2019-06-01 | 0 days | 1,965 sqft |
| 2019-07-01 | 0 days | 1,899 sqft |
| 2019-08-01 | 0 days | 1,937 sqft |
| 2019-09-01 | 0 days | 1,920 sqft |
| 2019-10-01 | 0 days | 1,953 sqft |
| 2019-11-01 | 0 days | 1,872 sqft |
| 2019-12-01 | 0 days | 1,859 sqft |
| 2020-01-01 | 0 days | 1,813 sqft |
| 2020-02-01 | 0 days | 1,835 sqft |
| 2020-03-01 | 0 days | 1,796 sqft |
| 2020-04-01 | 0 days | 1,812 sqft |
| 2020-05-01 | 0 days | 1,800 sqft |
| 2020-06-01 | 0 days | 1,856 sqft |
| 2020-07-01 | 0 days | 2,012 sqft |
| 2020-08-01 | 0 days | 1,948 sqft |
| 2020-09-01 | 0 days | 1,836 sqft |
| 2020-10-01 | 0 days | 1,792 sqft |
| 2020-11-01 | 0 days | 1,768 sqft |
| 2020-12-01 | 0 days | 1,654 sqft |
| 2021-01-01 | 0 days | 1,544 sqft |
| 2021-02-01 | 0 days | 1,692 sqft |
| 2021-03-01 | 0 days | 1,863 sqft |
| 2021-04-01 | 0 days | 1,938 sqft |
| 2021-05-01 | 0 days | 1,820 sqft |
| 2021-06-01 | 0 days | 1,859 sqft |
| 2021-07-01 | 0 days | 1,941 sqft |
| 2021-08-01 | 0 days | 2,030 sqft |
| 2021-09-01 | 0 days | 1,933 sqft |
| 2021-10-01 | 0 days | 1,866 sqft |
| 2021-11-01 | 0 days | 1,810 sqft |
| 2021-12-01 | 0 days | 1,850 sqft |
| 2022-01-01 | 0 days | 1,792 sqft |
| 2022-02-01 | 0 days | 1,901 sqft |
| 2022-03-01 | 0 days | 1,859 sqft |
| 2022-04-01 | 0 days | 1,876 sqft |
| 2022-05-01 | 0 days | 1,795 sqft |
Laconia's median listing age (time on market) for 2022-05-01 was 0 days.
Laconia's median square footage for active listings during the 2022-05-01 period was 1,795 sqft. One year prior, the average listing was 1,820 sqft.
Laconia's median square footage for active listings during the 2022-05-01 period was 1,795 sqft. One year prior, the average listing was 1,820 sqft.
