bankESB
1,618 mortgages originated in 2025 across 3 states, and what they cost borrowers.
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
- 1,618
- Median rate
- 6.125%
- Median lender fees
- $3,709
- Median loan amount
- $255,000
- Median spread over APOR
- -0.143
- Paid discount points
- 3.3%
- Received lender credits
- 25%
- Purchases / refinances
- 50.6% / 19.8%
- Conventional / FHA / VA
- 98% / 1.6% / 0.4%
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 61.9% of loans here — see methodology.
Where bankESB lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Massachusetts | 1,399 | $3,706 | 6.125% |
| Connecticut | 99 | — | 5.990% |
| Rhode Island | 55 | — | 6.125% |