Mortgage lending in Amherst Town-Northampton, MA
2,628 mortgages were originated in the Amherst Town-Northampton, MA area in 2025, and here is what they cost.
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
- 2,628
- Median rate
- 6.500%
- Median lender fees
- $4,542
- Median loan amount
- $235,000
- Median spread over APOR
- 0.066
- Paid discount points
- 19.9%
- Received lender credits
- 16.6%
- Purchases / refinances
- 43.3% / 26.5%
- Conventional / FHA / VA
- 90.8% / 5.4% / 3.6%
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 58.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Amherst Town-Northampton, MA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Florence Bank | 297 | $3,598 | 5.990% |
| bankESB | 152 | $415 | 5.990% |
| Greenfield Savings Bank | 151 | $4,298 | 5.990% |
| UMASSFIVE COLLEGE | 139 | — | — |
| PeoplesBank | 132 | $3,946 | 6.250% |
| Rocket Mortgage, LLC | 110 | $4,420 | 6.990% |
| Greenfield Co-operative Bank | 106 | — | — |
| Country Bank for Savings | 106 | — | 7.500% |
| Citizens Bank, National Association | 99 | — | 7.400% |
| Westfield Bank | 86 | — | 6.125% |