Mortgage lending in Suffolk County
9,625 mortgages were originated in Suffolk 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
- 9,625
- Median rate
- 6.500%
- Median lender fees
- $5,231
- Median loan amount
- $505,000
- Median spread over APOR
- -0.022
- Paid discount points
- 18.5%
- Received lender credits
- 25.7%
- Purchases / refinances
- 56.6% / 28.7%
- Conventional / FHA / VA
- 94.8% / 3.3% / 1.9%
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 61.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $962,550
- FHA limit
- $962,550
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 Suffolk County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens Bank, National Association | 757 | $6,827 | 7.400% |
| Leader Bank, National Association | 656 | $4,918 | 6.250% |
| GUARANTEED RATE, INC. | 442 | $5,437 | 6.612% |
| CROSSCOUNTRY MORTGAGE, INC. | 439 | $5,608 | 6.625% |
| Eastern Bank | 420 | $4,208 | 6.750% |
| Rocket Mortgage, LLC | 321 | $6,107 | 6.375% |
| Rockland Trust Company | 282 | $4,827 | 6.740% |
| Bank of America, National Association | 261 | $5,897 | 5.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 257 | $8,491 | 6.597% |
| Cambridge Savings Bank | 255 | $4,264 | 6.250% |
What lenders charged here
Lender fees on a $505,000 loan, based on what was actually charged in Suffolk County — not a rule of thumb.
From 5,878 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