Current Massachusetts Mortgage Rates
Average market rates for December 07, 2025 in Massachusetts are 6.22% for 30-year fixed purchase and 6.31% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.22% | 6.25% |
| 30-year Fixed Refinance | 6.31% | 6.33% |
Rates based on market averages as of Dec 06, 2025.Mortgage Rate Trends in Massachusetts
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.22% | 6.25% |
| 30-year Fixed Refinance | 6.31% | 6.33% |
Rates based on market averages as of Dec 06, 2025.Massachusetts Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.37% | 5.42% |
| 15-year Fixed Jumbo Purchase | 6.33% | 6.36% |
| 30-year Fixed Purchase | 6.22% | 6.25% |
| 30-year Fixed Jumbo Purchase | 6.42% | 6.44% |
Rates based on market averages as of Dec 06, 2025.Massachusetts Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.33% | 5.38% |
| 15-year Fixed Jumbo Refinance | 6.26% | 6.28% |
| 30-year Fixed Refinance | 6.31% | 6.33% |
| 30-year Fixed Jumbo Refinance | 6.39% | 6.41% |
Rates based on market averages as of Dec 06, 2025.Massachusetts ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.05% | 6.08% |
| 5/6 Arm (refinance) | 6.06% | 6.09% |
| 5/6 Jumbo Arm (purchase) | 5.89% | 5.90% |
| 5/6 Jumbo Arm (refinance) | 5.94% | 5.95% |
Rates based on market averages as of Dec 06, 2025.How we source rates and rate trends
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Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in Massachusetts
- Conventional: 59,332 loans
- FHA: 7,699 loans
- USDA: 86 loans
- VA: 2,008 loans
Top Purchase Lenders in Massachusetts by Volume
- Guaranteed Rate, Inc.: 3,938 loans
- Fairway Independent Mortgage Corporation: 3,238 loans
- Leader Bank: 2,860 loans
- Crosscountry Mortgage, LLC: 2,563 loans
- Guild Mortgage Company LLC: 1,833 loans
- Rocket Mortgage, LLC: 1,808 loans
- Citizens Bank: 1,607 loans
- First Republic Bank: 1,594 loans
- The Cape Cod Five Cents Savings Bank: 1,430 loans
- Mortgage Network, Inc.: 1,271 loans
Top Refinance Lenders in Massachusetts by Volume
- Citizens Bank: 3,812 loans
- Eastern Bank: 1,057 loans
- Bank Of America: 844 loans
- Rocket Mortgage, LLC: 747 loans
- Rockland Trust Company: 697 loans
- Td Bank: 522 loans
- Guaranteed Rate, Inc.: 366 loans
- Loandepot.com, LLC: 361 loans
- Institution For Savings In Newburyport And Its Vicinity: 357 loans
- Hanscom Federal Credit Union: 340 loans
Top Cash-Out Refinance Lenders in Massachusetts by Volume
- Rocket Mortgage, LLC: 3,686 loans
- Loandepot.com, LLC: 1,215 loans
- Nationstar Mortgage LLC: 921 loans
- The Cape Cod Five Cents Savings Bank: 747 loans
- Citizens Bank: 563 loans
- Guaranteed Rate, Inc.: 540 loans
- Freedom Mortgage Corporation: 517 loans
- Wells Fargo Bank: 514 loans
- Digital: 505 loans
- Pennymac Loan Services, LLC: 485 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
