Mortgage lending in Boston, MA
36,728 mortgages were originated in the Boston, MA area in 2025, and here is what they cost.
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
- 36,728
- Median rate
- 6.625%
- Median lender fees
- $5,182
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
- $415,000
- Above the going rate (spread over APOR)
- 0.036
- Paid discount points
- 20.3%
- Received lender credits
- 22.1%
- Purchases / refinances
- 46.7% / 32.2%
- Conventional / FHA / VA
- 91.7% / 5.7% / 2.6%
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 60.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Boston, MA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens Bank, National Association | 3,637 | $6,816 | 7.400% |
| Rocket Mortgage, LLC | 1,770 | $4,562 | 6.750% |
| Leader Bank, National Association | 1,699 | $4,884 | 6.250% |
| Rockland Trust Company | 1,676 | $4,555 | 6.990% |
| Eastern Bank | 1,406 | $4,429 | 6.990% |
| Guaranteed Rate, Inc. | 1,261 | $5,441 | 6.525% |
| Bank of America, National Association | 1,161 | $5,367 | 5.990% |
| United Shore Financial Services, LLC | 1,144 | $8,479 | 6.498% |
| Crosscountry Mortgage, Inc. | 1,106 | $5,603 | 6.625% |
| Loandepot.Com, LLC | 731 | $5,320 | 6.750% |