Mortgage lending in Berkshire County
2,729 mortgages were originated in Berkshire County, Massachusetts, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,729
- Median rate
- 6.500%
- Median lender fees
- $4,008
- Median loan amount
- $205,000
- Median spread over APOR
- 0.265
- Paid discount points
- 17.1%
- Received lender credits
- 19.6%
- Purchases / refinances
- 52.7% / 19.8%
- Conventional / FHA / VA
- 89.6% / 7.7% / 2.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 61.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Berkshire County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GREYLOCK FEDERAL CREDIT UNION | 906 | $3,596 | 6.375% |
| Adams Community Bank | 269 | $3,392 | 6.625% |
| GUILD MORTGAGE COMPANY | 230 | $8,724 | 6.625% |
| The Pittsfield Co-operative Bank | 154 | — | — |
| Rocket Mortgage, LLC | 110 | $5,980 | 6.750% |
| Lee Bank | 104 | — | — |
| NBT Bank, National Association | 70 | — | 4.990% |
| Berkshire Bank | 56 | — | 5.250% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Berkshire County — not a rule of thumb.
From 1,669 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers