Mortgage lending in Worcester, MA
18,623 mortgages were originated in the Worcester, 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
- 18,623
- Median rate
- 6.625%
- Median lender fees
- $5,106
- Median loan amount
- $305,000
- Median spread over APOR
- 0.264
- 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.
Who lent here
Lenders with at least 50 loans in the Worcester, MA area, 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% |