Mortgage lending in Cambridge-Newton-Framingham, MA

44,716 mortgages were originated in the Cambridge-Newton-Framingham, MA area in 2025, and here is what they cost.

Loans originated

44,716

Median rate

6.625%

Median lender fees

$5,099

Median loan amount

$425,000

Median spread over APOR

0.019

Paid discount points

18.5%

Received lender credits

21.9%

Purchases / refinances

45.9% / 32.2%

Conventional / FHA / VA

93.5% / 4.7% / 1.7%

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 59.5% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Cambridge-Newton-Framingham, MA area, ranked by volume.