Laconia Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Laconia averaged
6.94%
for the week of 2025-06-26, compared to the national average of
6.77% for the same period.
The average rate for the prior week (2025-06-18) was
7.08% and
one month ago for the week of 2025-05-22, the
average rate was 7.23%.
Laconia's average rate one year ago was 7.24%.
For refis of the same type during the week of 2025-06-26, the average rate
was 6.97%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-26 | 6.77% |
| Laconia 30 Year Fixed Rate | 2025-06-26 | 6.94% |
| Laconia 30 Year Fixed Rate Refi | 2025-06-26 | 6.97% |
| Laconia 15 Year Fixed Rate | 2025-06-26 | 5.69% |
| Laconia 15 Year Fixed Rate Refi | 2025-06-26 | 5.79% |
| Laconia 30 Year FHA | 2025-06-26 | 6.65% |
| Laconia 30 Year FHA Refi | 2025-06-26 | 6.49% |
| Laconia 30 Year USDA | 2025-06-26 | 6.46% |
| Laconia 30 Year USDA Refi | 2025-06-26 | 6.36% |
| Laconia 30 Year VA | 2025-06-26 | 6.79% |
| Laconia 30 Year VA Refi | 2025-06-26 | 6.14% |
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 118 lenders originated 1,673
loans during 2024. The total origination value was $557,615,000, with an average loan value of
$333,302.
Laconia's average closing costs are $4,937.
The top Laconia lender as defined by loan originations is CMG MORTGAGE, INC., with
51 loans originated. Their average total fees are
$4,692, which is $467
higher than the next largest lender,
Meredith Village Savings Bank.
The lowest fee Laconia lenders (with over 10 loans originated) are
Meredith Village Savings Bank ($4,226), CMG MORTGAGE, INC. ($4,692), NAVY FEDERAL CREDIT UNION ($4,708), HARBORONE MORTGAGE, LLC ($4,844) and GUARANTEED RATE, INC. ($5,272).
The lowest rate Laconia lenders (with over 10 loans originated) are
NAVY FEDERAL CREDIT UNION (6.35%), QUICKEN LOANS, LLC (6.60%), GUILD MORTGAGE COMPANY (6.77%), MOVEMENT MORTGAGE, LLC (6.91%) and GUARANTEED RATE, INC. (6.91%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Meredith Village Savings Bank | $75,155,000 | $37,805,000 | -49.7% | 6.8% |
| CMG MORTGAGE, INC. | $24,345,000 | $35,335,000 | 45.1% | 6.3% |
| Citizens Bank | $32,230,000 | $31,680,000 | -1.7% | 5.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $19,960,000 | $27,400,000 | 37.3% | 4.9% |
| QUICKEN LOANS, LLC | $14,615,000 | $24,390,000 | 66.9% | 4.4% |
| Bank of New Hampshire | $12,425,000 | $15,365,000 | 23.7% | 2.8% |
| ST. MARY'S BANK | $16,200,000 | $13,775,000 | -15.0% | 2.5% |
| EMM LOANS LLC | $6,730,000 | $12,425,000 | 84.6% | 2.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $11,150,000 | $11,850,000 | 6.3% | 2.1% |
| GUILD MORTGAGE COMPANY | $9,480,000 | $11,435,000 | 20.6% | 2.1% |
| EVERETT FINANCIAL, INC. | $9,470,000 | $10,505,000 | 10.9% | 1.9% |
| UBS Bank USA | $3,290,000 | $10,355,000 | 214.7% | 1.9% |
| TD Bank | $11,685,000 | $9,955,000 | -14.8% | 1.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,145,000 | $9,540,000 | 85.4% | 1.7% |
| GUARANTEED RATE, INC. | $6,010,000 | $8,495,000 | 41.3% | 1.5% |
| HARBORONE MORTGAGE, LLC | $8,120,000 | $7,650,000 | -5.8% | 1.4% |
| Bank of America | $12,955,000 | $7,490,000 | -42.2% | 1.3% |
| Service Federal Credit Union | $9,225,000 | $7,425,000 | -19.5% | 1.3% |
| MOVEMENT MORTGAGE, LLC | $6,135,000 | $7,350,000 | 19.8% | 1.3% |
| Franklin Savings Bank | $12,220,000 | $7,085,000 | -42.0% | 1.3% |
| NAVY FEDERAL CREDIT UNION | $1,825,000 | $7,070,000 | 287.4% | 1.3% |
| Morgan Stanley Private Bank | $6,120,000 | $7,025,000 | 14.8% | 1.3% |
| M&T Bank | $2,160,000 | $6,960,000 | 222.2% | 1.2% |
| NORTHEAST CREDIT UNION | $4,755,000 | $6,495,000 | 36.6% | 1.2% |
| LOANDEPOT.COM, LLC | $3,800,000 | $6,445,000 | 69.6% | 1.2% |
| JPMorgan Chase Bank | $10,125,000 | $6,220,000 | -38.6% | 1.1% |
| Citibank | $3,735,000 | $6,095,000 | 63.2% | 1.1% |
| Mortgage Research Center, LLC | $6,415,000 | $5,995,000 | -6.5% | 1.1% |
| Bangor Savings Bank | $760,000 | $5,855,000 | 670.4% | 1.1% |
| Enterprise Bank and Trust Company | $2,210,000 | $5,325,000 | 141.0% | 1.0% |
| Customers Bank | $5,255,000 | n/a | 0.9% | |
| Granite State Credit Union | $5,410,000 | $5,025,000 | -7.1% | 0.9% |
| Merrimack County Savings Bank | $6,220,000 | $4,990,000 | -19.8% | 0.9% |
| TOTAL MORTGAGE SERVICES, LLC | $660,000 | $4,970,000 | 653.0% | 0.9% |
| GUARANTEED RATE AFFINITY, LLC | $3,540,000 | $4,680,000 | 32.2% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $1,955,000 | $4,530,000 | 131.7% | 0.8% |
| ENVOY MORTGAGE, LTD | $2,210,000 | $4,350,000 | 96.8% | 0.8% |
| SALEM FIVE MORTGAGE COMPANY, LLC | $5,015,000 | $4,010,000 | -20.0% | 0.7% |
| Eastern Bank | $3,050,000 | $3,590,000 | 17.7% | 0.6% |
| American Mortgage & Equity Consultants, Inc. | $4,680,000 | $3,540,000 | -24.4% | 0.6% |
| Holy Rosary Regional Credit Union | $1,645,000 | $3,290,000 | 100.0% | 0.6% |
| USAA Federal Savings Bank | $3,180,000 | n/a | 0.6% | |
| Kennebunk Savings Bank | $635,000 | $3,110,000 | 389.8% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $1,890,000 | $3,090,000 | 63.5% | 0.6% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,005,000 | n/a | 0.5% | |
| NORTHPOINT MORTGAGE, INC. | $2,395,000 | $2,995,000 | 25.1% | 0.5% |
| BMO Harris Bank | $655,000 | $2,805,000 | 328.2% | 0.5% |
| NEWREZ LLC | $515,000 | $2,775,000 | 438.8% | 0.5% |
| Northpointe Bank | $1,330,000 | $2,750,000 | 106.8% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,980,000 | $2,720,000 | 37.4% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,425,000 | $2,615,000 | 83.5% | 0.5% |
| BAY EQUITY LLC | $165,000 | $2,610,000 | 1,481.8% | 0.5% |
| Easthampton Savings Bank | $780,000 | $2,570,000 | 229.5% | 0.5% |
| Leader Bank | $2,370,000 | $2,560,000 | 8.0% | 0.5% |
| SIS BANCORP, MHC | $2,200,000 | $2,410,000 | 9.5% | 0.4% |
| NBT Bank | $4,865,000 | $2,210,000 | -54.6% | 0.4% |
| Bar Harbor Bank & Trust | $5,690,000 | $2,195,000 | -61.4% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,725,000 | $2,170,000 | 25.8% | 0.4% |
| HARVARD UNIVERSITY EMPLOYEES | $2,115,000 | n/a | 0.4% | |
| BROKER SOLUTIONS, INC. | $1,880,000 | $1,900,000 | 1.1% | 0.3% |
| Haverhill Bank | $715,000 | $1,895,000 | 165.0% | 0.3% |
| Keystone Funding, Inc. | $1,055,000 | $1,880,000 | 78.2% | 0.3% |
| Waterstone Mortgage Corporation | $1,300,000 | $1,850,000 | 42.3% | 0.3% |
| Northway Bank | $10,020,000 | $1,840,000 | -81.6% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $1,860,000 | $1,790,000 | -3.8% | 0.3% |
| USAlliance Federal Credit Union | $1,735,000 | n/a | 0.3% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,555,000 | $1,710,000 | 10.0% | 0.3% |
| Mascoma Bank | $105,000 | $1,710,000 | 1,528.6% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $805,000 | $1,690,000 | 109.9% | 0.3% |
| U.S. Bank | $1,030,000 | $1,670,000 | 62.1% | 0.3% |
| Berkshire Bank | $535,000 | $1,565,000 | 192.5% | 0.3% |
| The Lowell Five Cent Savings Bank | $950,000 | $1,525,000 | 60.5% | 0.3% |
| Wells Fargo Bank | $1,810,000 | $1,505,000 | -16.9% | 0.3% |
| Bridgewater Savings Bank | $1,495,000 | n/a | 0.3% | |
| DIGITAL Federal Credit Union | $1,630,000 | $1,495,000 | -8.3% | 0.3% |
| Rockland Trust Company | $2,975,000 | $1,475,000 | -50.4% | 0.3% |
| Cornerstone First Mortgage, Inc | $1,440,000 | n/a | 0.3% | |
| Barrington Bank & Trust Company, N.A. | $295,000 | $1,425,000 | 383.1% | 0.3% |
| PNC Bank | $1,280,000 | $1,405,000 | 9.8% | 0.3% |
| Webster Bank | $650,000 | $1,365,000 | 110.0% | 0.2% |
| NORTHEAST HOME LOAN, LLC | $635,000 | $1,325,000 | 108.7% | 0.2% |
| PROPONENT Federal Credit Union | $1,300,000 | n/a | 0.2% | |
| Profile Bank | $2,765,000 | $1,270,000 | -54.1% | 0.2% |
| LENDSURE MORTGAGE CORP. | $1,205,000 | n/a | 0.2% | |
| Salem Co-Operative Bank | $725,000 | $1,205,000 | 66.2% | 0.2% |
| Union Bank | $155,000 | $1,195,000 | 671.0% | 0.2% |
| Workers Credit Union | $1,150,000 | n/a | 0.2% | |
| Figure Lending LLC | $435,000 | $1,135,000 | 160.9% | 0.2% |
| Eagle Bank | $1,085,000 | n/a | 0.2% | |
| EMBRACE HOME LOANS, INC. | $2,145,000 | $1,085,000 | -49.4% | 0.2% |
| UNION HOME MORTGAGE CORP. | $1,080,000 | n/a | 0.2% | |
| MORTGAGE EQUITY PARTNERS LLC | $395,000 | $1,040,000 | 163.3% | 0.2% |
| NexBank | $1,030,000 | n/a | 0.2% | |
| FIRST MORTGAGE COMPANY, INC. | $245,000 | $1,025,000 | 318.4% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $1,005,000 | n/a | 0.2% | |
| RADIUS FINANCIAL GROUP INC. | $1,665,000 | $1,000,000 | -39.9% | 0.2% |
| Newburyport Five Cents Savings Bank | $1,355,000 | $985,000 | -27.3% | 0.2% |
| Jeanne D'Arc Credit Union | $1,975,000 | $970,000 | -50.9% | 0.2% |
| State Department Federal Credit Union | $385,000 | $895,000 | 132.5% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $895,000 | n/a | 0.2% | |
| Members First Credit Union N.H. | $490,000 | $875,000 | 78.6% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $1,245,000 | $870,000 | -30.1% | 0.2% |
| Triangle Credit Union | $870,000 | n/a | 0.2% | |
| PHH Mortgage Corporation | $145,000 | $845,000 | 482.8% | 0.2% |
| LOGIX FEDERAL CREDIT UNION | $1,115,000 | $835,000 | -25.1% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $780,000 | n/a | 0.1% | |
| POLARIS HOME FUNDING CORP. | $1,000,000 | $755,000 | -24.5% | 0.1% |
| BELLWETHER COMMUNITY | $2,265,000 | $750,000 | -66.9% | 0.1% |
| NEW HAMPSHIRE | $590,000 | $740,000 | 25.4% | 0.1% |
| Charles Schwab Bank, SSB | $735,000 | n/a | 0.1% | |
| NBKC BANK | $445,000 | $725,000 | 62.9% | 0.1% |
| Carrington Mortgage Services, LLC | $630,000 | $695,000 | 10.3% | 0.1% |
| Plains Commerce Bank | $685,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $345,000 | $640,000 | 85.5% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $640,000 | n/a | 0.1% | |
| Quontic Bank | $625,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $620,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $865,000 | $620,000 | -28.3% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $390,000 | $590,000 | 51.3% | 0.1% |
| City National Bank | $755,000 | $555,000 | -26.5% | 0.1% |
| American Airlines Federal Credit Union | $255,000 | $540,000 | 111.8% | 0.1% |
| Discover Bank | $785,000 | $520,000 | -33.8% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,395,000 | $510,000 | -63.4% | 0.1% |
| Deere Employees Credit Union | $25,000 | $485,000 | 1,840.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $195,000 | $480,000 | 146.2% | 0.1% |
| Dedham Institution for Savings | $475,000 | n/a | 0.1% | |
| MERRIMACK VALLEY | $270,000 | $465,000 | 72.2% | 0.1% |
| North Shore Bank, a Co-operative Bank | $25,000 | $465,000 | 1,760.0% | 0.1% |
| WESTERLY COMMUNITY | $205,000 | $465,000 | 126.8% | 0.1% |
| WILLIAM RAVEIS MORTGAGE, LLC | $455,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $445,000 | n/a | 0.1% | |
| NEW FED MORTGAGE, CORP. | $415,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $540,000 | $415,000 | -23.1% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $405,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $1,135,000 | $405,000 | -64.3% | 0.1% |
| Middlesex Savings Bank | $405,000 | n/a | 0.1% | |
| Westfield Bank | $2,910,000 | $405,000 | -86.1% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $395,000 | n/a | 0.1% | |
| Washington Savings Bank | $395,000 | n/a | 0.1% | |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $375,000 | n/a | 0.1% | |
| ARC HOME LLC | $770,000 | $365,000 | -52.6% | 0.1% |
| BAYCOAST MORTGAGE COMPANY, LLC | $235,000 | $365,000 | 55.3% | 0.1% |
| OceanFirst Bank | $365,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $590,000 | $345,000 | -41.5% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $305,000 | $335,000 | 9.8% | 0.1% |
| Citadel Servicing Corporation | $325,000 | n/a | 0.1% | |
| Institution for Savings in Newburyport and Its Vicinity | $325,000 | n/a | 0.1% | |
| Secured Investment Corp. | $315,000 | n/a | 0.1% | |
| Coastal Community Bank | $345,000 | $310,000 | -10.1% | 0.1% |
| BOSTON FIREFIGHTERS | $305,000 | n/a | 0.1% | |
| CHEVRON | $305,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $525,000 | $305,000 | -41.9% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $325,000 | $295,000 | -9.2% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $295,000 | n/a | 0.1% | |
| NATIONS RELIABLE LENDING, LLC | $575,000 | $285,000 | -50.4% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,380,000 | $275,000 | -80.1% | 0.0% |
| Hometown Equity Mortgage, LLC | $275,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $275,000 | n/a | 0.0% | |
| Magnolia Bank | $265,000 | n/a | 0.0% | |
| LIBERTY BAY CREDIT UNION | $135,000 | $255,000 | 88.9% | 0.0% |
| The Camden National Bank | $255,000 | n/a | 0.0% | |
| OCEAN STATE CREDIT UNION | $225,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $735,000 | $205,000 | -72.1% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $205,000 | n/a | 0.0% | |
| ADVANCIAL | $195,000 | n/a | 0.0% | |
| The Federal Savings Bank | $1,680,000 | $195,000 | -88.4% | 0.0% |
| UNITED MORTGAGE CORP | $195,000 | n/a | 0.0% | |
| FIRST HOME MORTGAGE CORPORATION | $185,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $65,000 | $185,000 | 184.6% | 0.0% |
| Everett Co-operative Bank | $175,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $115,000 | n/a | 0.0% | |
| Salem Five Cents Savings Bank | $105,000 | $105,000 | 0.0% | 0.0% |
| 21ST MORTGAGE CORPORATION | $325,000 | $95,000 | -70.8% | 0.0% |
| METRO | $780,000 | $95,000 | -87.8% | 0.0% |
| City of Boston Credit Union | $85,000 | n/a | 0.0% | |
| ALIGN CREDIT UNION | $130,000 | $65,000 | -50.0% | 0.0% |
| BayCoast Bank | $55,000 | $55,000 | 0.0% | 0.0% |
| Farm Credit East, ACA | $55,000 | n/a | 0.0% | |
| GREENWOOD | $65,000 | $55,000 | -15.4% | 0.0% |
| RESIDENTIAL BANCORP | $55,000 | n/a | 0.0% | |
| NESC | $35,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $35,000 | n/a | 0.0% | |
| NEW ENGLAND FEDERAL CREDIT UNION | $540,000 | $25,000 | -95.4% | 0.0% |
Laconia's top lender by overall market share is Meredith Village Savings Bank, with 6.8% market share. In second place, with 6.3%, is CMG MORTGAGE, INC., having originated $35,335,000 in loans. In third place, with 5.7%, is Citizens Bank, having originated $31,680,000 in loans. In fourth place, with 4.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $27,400,000 in loans. In fifth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $24,390,000 in loans.
Laconia, NH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 793 | $347,925,000 | $438,745 |
| Cash Out Refi | 254 | $73,050,000 | $287,598 |
| Home Improvement | 247 | $39,665,000 | $160,587 |
| Other | 224 | $46,430,000 | $207,277 |
| Refi | 155 | $50,545,000 | $326,097 |
Laconia's most frequently cited loan purpose was Home Purchase, with 793 originations. The 2nd most popular reason was Cash Out Refi, with 254 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 592 | $242,180,000 | $409,088 |
| Over 8% | 484 | $88,830,000 | $183,533 |
| 7-8% | 366 | $134,410,000 | $367,240 |
| 5-6% | 156 | $69,250,000 | $443,910 |
| <2.5% | 9 | $95,000 | $10,556 |
| 4-5% | 7 | $1,705,000 | $243,571 |
| 2.5-3% | 1 | $155,000 | $155,000 |
During 2024, Laconia's most frequently originated rate bucket was 6-7%, with 592 originations.
Loan Sizing (Laconia, NH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 609 | $178,795,000 | $293,588 |
| $100k-200k | 329 | $46,745,000 | $142,082 |
| $100,000 or less | 309 | $17,585,000 | $56,909 |
| $400k-600k | 266 | $127,410,000 | $478,985 |
| $600k-1000k | 106 | $77,490,000 | $731,038 |
| $Over $1MM | 54 | $109,590,000 | $2,029,444 |
Laconia's loan sizing saw the bucket of loans from $200k-400k with 609 originations, totaling $178,795,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 379 | $161,755,000 | $426,794 |
| 60-80% | 377 | $172,235,000 | $456,857 |
| Under 20% | 322 | $27,470,000 | $85,311 |
| 20-40% | 306 | $70,390,000 | $230,033 |
| 40-60% | 206 | $89,920,000 | $436,505 |
| Over 100% | 18 | $8,710,000 | $483,889 |
Laconia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 379 originations, totaling $161,755,000 in origination value.