Mortgage lending in Worcester County
18,621 mortgages were originated in Worcester 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
- 18,621
- Median rate
- 6.625%
- Median lender fees
- $5,106
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
- $305,000
- Above the going rate (spread over APOR)
- 0.263
- Paid discount points
- 27.4%
- Received lender credits
- 20.2%
- Purchases / refinances
- 47.7% / 31.2%
- Conventional / FHA / VA
- 85.8% / 10% / 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 63.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $545,100
- Median home price
- $474,000
- That home, 20% down
- $379,200
A median-priced home with 20% down leaves $453,550 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 Worcester County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,154 | $5,603 | 6.750% |
| United Shore Financial Services, LLC | 779 | $8,696 | 6.500% |
| Citizens Bank, National Association | 709 | $6,126 | 7.400% |
| Digital | 652 | $300 | 7.750% |
| Crosscountry Mortgage, Inc. | 485 | $6,161 | 6.825% |
| Guaranteed Rate, Inc. | 467 | $5,315 | 6.600% |
| Cornerstone Bank | 459 | — | — |
| Central One Federal Credit Union | 441 | — | 6.500% |
| Leominster Credit Union | 431 | — | — |
| Leader Bank, National Association | 428 | $4,704 | 6.375% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Worcester County — not a rule of thumb.
From 11,833 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