Mortgage lending in Dukes County
514 mortgages were originated in Dukes 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
- 514
- Median rate
- 6.750%
- Median lender fees
- $7,906
- Median loan amount
- $690,000
- Median spread over APOR
- 0.043
- Paid discount points
- 11.7%
- Received lender credits
- 21.2%
- Purchases / refinances
- 39.5% / 34%
- Conventional / FHA / VA
- 97.7% / 2.1% / 0.2%
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 46.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Who lent here
Lenders with at least 50 loans in Dukes County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Martha's Vineyard Bank | 68 | — | — |
| The Cape Cod Five Cents Savings Bank | 62 | — | 7.750% |
| Rockland Trust Company | 54 | — | 6.740% |
What lenders charged here
Lender fees on a $690,000 loan, based on what was actually charged in Dukes County — not a rule of thumb.
From 239 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