Mortgage lending in Middlesex County
29,145 mortgages were originated in Middlesex 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
- 29,145
- Median rate
- 6.550%
- Median lender fees
- $5,059
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
- $455,000
- Above the going rate (spread over APOR)
- -0.012
- Paid discount points
- 16.8%
- Received lender credits
- 23.2%
- Purchases / refinances
- 46.8% / 32.1%
- Conventional / FHA / VA
- 95.2% / 3.2% / 1.6%
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 59.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $962,550
- FHA limit
- $962,550
- Median home price
- $837,000
- That home, 20% down
- $669,600
A median-priced home with 20% down leaves $292,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
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
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 Middlesex County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens Bank, National Association | 2,576 | $7,294 | 7.150% |
| Leader Bank, National Association | 1,710 | $4,924 | 6.250% |
| Guaranteed Rate, Inc. | 1,505 | $5,511 | 6.475% |
| Rocket Mortgage, LLC | 1,235 | $4,352 | 6.625% |
| Crosscountry Mortgage, Inc. | 1,077 | $5,690 | 6.625% |
| Bank of America, National Association | 1,033 | $5,461 | 5.990% |
| Eastern Bank | 935 | $4,508 | 6.990% |
| United Shore Financial Services, LLC | 701 | $8,057 | 6.500% |
| Middlesex Savings Bank | 634 | $2,748 | 6.750% |
| Digital | 611 | $300 | 7.500% |
What lenders charged here
Lender fees on a $455,000 loan, based on what was actually charged in Middlesex County — not a rule of thumb.
From 17,423 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