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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 190 3.06% $5,210
Meredith Village Savings Bank 157 3.24% $2,925
Bank of New Hampshire 99 3.26% $3,038
UNITED WHOLESALE MORTGAGE, LLC 97 3.06% $4,483
CMG MORTGAGE, INC. 72 3.12% $3,421
HARBORONE MORTGAGE, LLC 66 3.11% $3,403
RESIDENTIAL MORTGAGE SERVICES, INC. 60 3.19% $3,686
LOANDEPOT.COM, LLC 45 3.07% $4,570
GUARANTEED RATE, INC. 42 3.19% $3,772
Citizens Bank 40 2.99% $4,066
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 39 3.18% $3,608
Wells Fargo Bank 39 3.15% $3,232
Northway Bank 39 3.20% $3,616
AMERISAVE MORTGAGE CORPORATION 37 2.92% $5,349
GUARANTEED RATE AFFINITY, LLC 37 3.25% $3,283
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 36 3.24% $5,354
TD Bank 31 2.98% $2,877
NEWREZ LLC 31 3.06% $4,337
ENVOY MORTGAGE, LTD 27 3.30% $3,782
MOVEMENT MORTGAGE, LLC 23 3.19% $4,329
Granite State Credit Union 22 3.49% $5,663
Mortgage Network, Inc. 21 3.03% $4,103
Bank of America 20 2.52% $5,213
Leader Bank 19 2.95% $3,629
Mr. Cooper ( Nationstar Mortgage ) 19 3.32% $4,932
Service Federal Credit Union 18 3.04% $2,840
CROSSCOUNTRY MORTGAGE, LLC 17 3.11% $4,681
PRIMARY RESIDENTIAL MORTGAGE, INC. 16 3.26% $4,114
ST. MARY'S BANK 16 3.16% $3,315
LEADERONE FINANCIAL CORPORATION 15 3.32% $4,652
NORTHPOINT MORTGAGE, INC. 15 2.93% $4,024
Merrimack County Savings Bank 14 3.29% $2,846
DIGITAL Federal Credit Union 13 3.01% $5,035
EMM LOANS LLC 13 2.94% $4,895
BROKER SOLUTIONS, INC. 12 2.98% $4,202
JPMorgan Chase Bank 11 2.94% $3,235
Bar Harbor Bank & Trust 11 3.31% $3,537
NORTHEAST CREDIT UNION 11 3.16% $4,413
EMBRACE HOME LOANS, INC. 11 3.23% $3,519
EVERETT FINANCIAL, INC. 10 3.58% $2,684
PENNYMAC LOAN SERVICES, LLC 10 3.22% $4,902
NEW FED MORTGAGE, CORP. 9 3.28% $2,985
SALEM FIVE MORTGAGE COMPANY, LLC 9 3.08% $3,292
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 3.27% $3,530
Charles Schwab Bank, SSB 7 2.49% $2,917
DRAPER AND KRAMER MORTGAGE CORP. 6 3.15% $3,045
CALIBER HOME LOANS, INC. 6 3.04% $4,560
NEW HAMPSHIRE 6 3.21% $3,504
ARC HOME LLC 6 3.02% $3,132
Envision Bank 6 3.23% $2,598
HOME POINT FINANCIAL CORPORATION 6 3.23% $3,195
MORTGAGE EQUITY PARTNERS LLC 6 3.17% $4,934
HOMEBRIDGE FINANCIAL SERVICES, INC. 6 3.13% $2,726
The Federal Savings Bank 6 3.04% $8,238
Triangle Credit Union 6 3.42% $2,697
Bangor Savings Bank 6 3.02% $2,898
First Republic Bank 6 2.62% $5,128
FREEDOM MORTGAGE CORPORATION 6 3.25% $3,159
TOTAL MORTGAGE SERVICES, LLC 6 3.67% $4,199
BELLWETHER COMMUNITY 6 3.10% $4,997
U.S. Bank 5 2.95% $3,411
Santander Bank, N.A. 5 3.02% $3,794
First Savings Bank 5 3.00% $2,420
GUILD MORTGAGE COMPANY 5 3.45% $3,631
NAVY FEDERAL CREDIT UNION 5 2.85% $5,864
Morgan Stanley Private Bank 5 2.75% $4,368
RADIUS FINANCIAL GROUP INC. 4 3.44% $4,004
Raymond James Bank 4 2.97% $3,557
Home Loan Investment Bank, F.S.B. 4 3.44% $4,077
PLAZA HOME MORTGAGE, INC. 4 3.03% $4,003
People's United Bank 4 2.81% $3,860
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 4 2.81% $3,332
Eastern Bank 4 2.91% $4,367
LAKEVIEW LOAN SERVICING, LLC 4 3.44% $3,865
MEMBERS MORTGAGE COMPANY, INC. 4 3.03% $2,750
MUTUAL OF OMAHA MORTGAGE, INC. 4 3.44% $5,099
Carrington Mortgage Services, LLC 4 3.16% $5,292
Flagstar Bank, FSB 4 3.26% $2,680
Citibank 3 2.92% $3,724
Shamrock Home Loans, Inc. 3 3.08% $4,515
Enterprise Bank and Trust Company 3 2.71% $3,628
Avidia Bank 3 3.67% $2,264
North Shore Bank, a Co-operative Bank 3 3.08% $2,993
Ross Mortgage Company, Inc. 3 2.75% $3,217
Truist Bank 3 2.91% $3,551
BAYCOAST MORTGAGE COMPANY, LLC 3 2.79% $3,959
Waterstone Mortgage Corporation 3 3.42% $3,021
WASHINGTON TRUST MORTGAGE COMPANY LLC 3 3.54% $8,452
Mascoma Bank 3 3.21% $8,008
RELIANCE FIRST CAPITAL, LLC 3 3.16% $4,714
Farm Credit East, ACA 3 3.55% $5,420
Wyndham Capital Mortgage, Inc. 3 2.92% $1,433
STEARNS LENDING, LLC 3 3.08% $3,218
Strong Home Mortgage, LLC 3 3.58% $2,577
HOMESIDE FINANCIAL, LLC 3 3.79% $4,124
First Guaranty Mortgage Corporation 3 3.79% $6,239
ZILLOW HOME LOANS, LLC 2 3.31% $2,781
AMERICAN FINANCIAL NETWORK, INC. 2 3.25% $11,343
Bank of England 2 3.31% $4,811
Barrington Bank & Trust Company, N.A. 2 3.31% $3,976
Boston Private Bank & Trust Company 2 2.38% $3,828
First National Bank of America 2 7.06% $9,358
HANSCOM 2 2.94% $3,579
Institution for Savings in Newburyport and Its Vicinity 2 2.81% $5,669
Jeanne D'Arc Credit Union 2 2.94% $3,136
KeyBank 2 2.81% $4,934
LENDUS, LLC 2 3.06% $2,880
Mortgage Assurance Inc. 2 3.19% $2,384
North American Savings Bank, F.S.B. 2 2.94% $3,758
Northern Bank & Trust Company 2 2.88% $3,313
Northpointe Bank 2 3.16% $5,070
Pinnacle Bank 2 3.31% $3,268
Poli Mortgage Group, Inc. 2 2.56% $4,054
Rockland Trust Company 2 2.99% $4,772
Sierra Pacific Mortgage Company, Inc. 2 3.50% $3,848
Stifel Bank and Trust 2 2.94% $2,413
The Camden National Bank 2 3.31% $3,314
Webster Bank 2 3.06% $13,655
ACADEMY MORTGAGE CORPORATION 2 3.06% $3,287
LENDSURE MORTGAGE CORP. 1 5.50% $12,384
NORWICH COMMERCIAL GROUP, INC. 1 2.88% $3,628
PARKSIDE LENDING, LLC 1 2.99% $2,697
Patriot Community Bank 1 2.75% $2,864
InterContinental Capital Group, Inc 1 3.50% $4,228
PENTAGON FEDERAL CREDIT UNION 1 3.25% $1,012
INLAND BANK & TRUST 1 2.75% $5,319
ALIGN CREDIT UNION 1 3.38% $4,610
Piscataqua Savings Bank 1 3.25% $2,731
PLANET HOME LENDING, LLC 1 3.38% $3,465
IMPAC MORTGAGE CORP. 1 2.50% $3,748
PNC Bank 1 2.88% $4,113
A&D Mortgage LLC 1 3.75% $13,575
Firstrust Savings Bank 1 3.25% $4,071
First Internet Bank of Indiana 1 2.88% $3,600
FIRST HOME MORTGAGE CORPORATION 1 4.00% $6,473
Quontic Bank 1 5.50% $10,591
FirstBank 1 2.75% $1,839
Fidelity Co-operative Bank 1 3.38% $3,390
FBC MORTGAGE, LLC 1 2.75% $3,260
RESIDENTIAL BANCORP. 1 2.75% $2,585
Fall River Five Cents Savings Bank 1 2.88% $2,617
AIR ACADEMY 1 2.88% $2,910
DREW MORTGAGE ASSOCIATES, INC. 1 3.13% $3,466
DAS Acquisition Company, LLC 1 5.25% $3,547
CHURCHILL MORTGAGE CORPORATION 1 3.25% $3,457
CHEVRON 1 3.00% $5,706
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK 1 4.88% $3,830
CANOPY MORTGAGE, LLC 1 2.88% $1,715
WILLIAM RAVEIS MORTGAGE, LLC 1 3.38% $3,758
SOFI LENDING CORP. 1 3.13% $7,965
SPRING EQ, LLC 1 3.75% $0
Cambridge Trust Company 1 2.63% $4,357
WINGS FINANCIAL 1 2.88% $2,982
Brookline Bank 1 3.25% $5,776
Bristol County Savings Bank 1 2.50% $2,945
SUN WEST MORTGAGE COMPANY, INC. 1 2.75% $1,755
T2 FINANCIAL LLC 1 3.49% $3,275
BNY Mellon 1 2.63% $4,887
Workers Credit Union 1 3.50% $4,010
Berkshire Bank 1 2.87% $3,513
BAY EQUITY LLC 1 3.75% $6,846
Axos Bank 1 3.38% $1,678
Assurance Financial Group, L.L.C. 1 2.88% $2,299
UBS Bank USA 1 2.50% $5,900
Union Savings Bank 1 2.88% $3,555
NBKC BANK 1 3.00% $2,886
Nations Lending Corporation 1 3.50% $4,120
METRO 1 3.00% $3,057
NFM, INC. 1 3.50% $4,479
AmRes Corporation 1 3.25% $2,470
Manufacturers and Traders Trust Company 1 3.63% $5,693
NORTHEAST HOME LOAN, LLC 1 4.00% $5,546
AMERICAN PACIFIC MORTGAGE CORPORATION 1 2.63% $3,507
AMERICAN FINANCING CORPORATION 1 2.88% $8,472
Magnolia Bank 1 3.49% $7,700
Luxury Mortgage Corp. 1 3.00% $2,328

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.

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.