Mortgage lending in Hampden County
9,025 mortgages were originated in Hampden County, Massachusetts, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 9,025
- Median rate
- 6.543%
- Median lender fees
- $5,248
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $225,000
- Above the going rate (spread over APOR)
- 0.280
- Paid discount points
- 30.9%
- Received lender credits
- 19.8%
- Purchases / refinances
- 50.6% / 28.3%
- Conventional / FHA / VA
- 78.2% / 14.9% / 5.4%
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 64.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $325,000
- That home, 20% down
- $260,000
A median-priced home with 20% down leaves $572,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Hampden County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Westfield Bank | 636 | $4,134 | 6.375% |
| Citizens Bank, National Association | 499 | $6,247 | 7.650% |
| CMG Mortgage, Inc. | 478 | $9,176 | 6.375% |
| Rocket Mortgage, LLC | 456 | $5,701 | 6.813% |
| PeoplesBank | 364 | $3,694 | 6.250% |
| United Shore Financial Services, LLC | 352 | $10,411 | 6.499% |
| Fairway Independent Mortgage Corporation | 333 | $8,082 | 6.625% |
| Polish National Credit Union | 257 | $149 | 6.500% |
| Broker Solutions, Inc. | 251 | $8,088 | 6.750% |
| Manufacturers and Traders Trust Company | 248 | — | 5.990% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Hampden County — not a rule of thumb.
From 5,815 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers