What people paid for mortgages in Bristol County, MA (2025)
Across 4,130 closed home-purchase loans in 2025, the median interest rate in Bristol was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $5,840 on a median loan of $455,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.75%
- Median total loan costs
- $5,840
- Median loan amount
- $455,000
4,130 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $7,103
- Median loan amount
- $375,000
2,236 loans, 2025.
Lowest median rates in Bristol (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.St. Anne's Credit Union5.75%40 loans, median costs $5,066
- 2.Somerset Federal Credit Union6.062%44 loans, median costs $1,040
- 3.Bristol County Savings Bank6.125%167 loans, median costs $4,270
- 4.PENNYMAC LOAN SERVICES, LLC6.249%43 loans, median costs $8,519
- 5.Mortgage Research Center, LLC6.25%39 loans, median costs $7,288
Among lenders with at least 30 closed purchase loans in Bristol County in 2025.
Refinance
- 1.Bristol County Savings Bank5.875%33 loans, median costs $3,698
- 2.PENNYMAC LOAN SERVICES, LLC5.99%49 loans, median costs $10,603
- 3.St. Anne's Credit Union5.99%37 loans, median costs $4,477
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%243 loans, median costs $9,900
- 5.Rocket Mortgage, LLC6.125%220 loans, median costs $9,256
Among lenders with at least 30 closed refinance loans in Bristol County in 2025.
Lender by lender in Bristol
Every lender that closed at least 5 qualifying loans in Bristol County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 391 | 6.499% | $10,490 | $2,294 | $1,886 |
| 2 | GUILD MORTGAGE COMPANY | 295 | 6.5% | $5,759 | $1,883 | $2,059 |
| 3 | BAYCOAST MORTGAGE COMPANY, LLC | 195 | 6.375% | $5,120 | $1,590 | $2,260 |
| 4 | Bristol County Savings Bank | 167 | 6.125% | $4,270 | $850 | $1,995 |
| 5 | Fall River Five Cents Savings Bank | 138 | 6.5% | $4,570 | $1,095 | $1,850 |
| 6 | Rocket Mortgage, LLC | 126 | 6.5% | $8,069 | $3,608 | $4,045 |
| 7 | CMG MORTGAGE, INC. | 118 | 6.625% | $6,366 | $2,005 | $1,887 |
| 8 | GUARANTEED RATE, INC. | 109 | 6.5% | $5,783 | $1,640 | $3,113 |
| 9 | Fairway Independent Mortgage Corporation | 108 | 6.625% | $5,512 | $1,615 | $2,465 |
| 10 | TOTAL MORTGAGE SERVICES, LLC | 105 | 6.5% | $16,371 | $6,341 | $6,207 |
| 11 | Leader Bank, National Association | 104 | 6.375% | $4,832 | $1,499 | $1,888 |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 103 | 6.625% | $6,840 | $2,171 | $3,390 |
| 13 | RADIUS FINANCIAL GROUP INC. | 100 | 6.5% | $7,524 | $1,674 | $3,834 |
| 14 | Loandepot.Com, LLC | 90 | 6.75% | $6,249 | $1,790 | $1,856 |
| 15 | EMM LOANS LLC | 81 | 6.375% | $14,298 | $6,945 | $3,037 |
| 16 | MOVEMENT MORTGAGE, LLC | 72 | 6.75% | $5,204 | $1,745 | $2,334 |
| 17 | Rockland Trust Company | 69 | 6.375% | $4,534 | $1,450 | $463 |
| 18 | HARBORONE MORTGAGE, LLC | 52 | 6.625% | $5,411 | $1,545 | $2,500 |
| 19 | Colorado Federal Savings Bank | 52 | 6.438% | $4,445 | $1,125 | $1,482 |
| 20 | Broker Solutions, Inc. | 48 | 6.812% | $7,314 | $2,883 | $2,202 |
| 21 | Northpointe Bank | 47 | 6.625% | $7,402 | $2,684 | $1,976 |
| 22 | Citizens Bank, National Association | 46 | 6.375% | $6,417 | $1,350 | $2,775 |
| 23 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 44 | 6.625% | $11,857 | $4,296 | $3,345 |
| 24 | Somerset Federal Credit Union | 44 | 6.062% | $1,040 | $1,014 | n/a |
| 25 | PENNYMAC LOAN SERVICES, LLC | 43 | 6.249% | $8,519 | $2,294 | $1,450 |
| 26 | St. Anne's Credit Union | 40 | 5.75% | $5,066 | $1,755 | $3,250 |
| 27 | Mortgage Research Center, LLC | 39 | 6.25% | $7,288 | $2,872 | $1,966 |
| 28 | FIRST HOME MORTGAGE CORPORATION | 37 | 6.625% | $14,017 | $6,879 | $5,320 |
| 29 | MORTGAGE EQUITY PARTNERS LLC | 36 | 6.495% | $8,099 | $2,383 | $4,620 |
| 30 | GUARANTEED RATE AFFINITY, LLC | 32 | 6.5% | $6,937 | $2,623 | $3,060 |
| 31 | NFM, INC. | 31 | 6.75% | $11,011 | $5,032 | $6,664 |
| 32 | NAVIGANT CREDIT UNION | 31 | 6.5% | $4,362 | $695 | $5,030 |
| 33 | Navy Federal Credit Union | 29 | 6.125% | $3,383 | $0 | $1,315 |
| 34 | NEWREZ LLC | 29 | 6.375% | $11,409 | $1,750 | $969 |
| 35 | NEW FED MORTGAGE, CORP. | 29 | 6.5% | $5,719 | $1,599 | $2,721 |
| 36 | FIRST COMMUNITY MORTGAGE, INC. | 26 | 6.49% | $11,947 | $2,012 | $1,025 |
| 37 | PROVINCE MORTGAGE ASSOCIATES, INC. | 25 | 6.875% | $5,518 | $1,690 | $3,098 |
| 38 | Eastern Bank | 25 | 5.75% | $4,776 | $1,345 | $2,511 |
| 39 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 23 | 6.75% | $9,586 | $5,757 | $3,804 |
| 40 | Bank of America, National Association | 23 | 6.125% | $5,442 | $2,392 | $2,540 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Bristol figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Bristol County in 2025?
The median interest rate on closed home-purchase loans in Bristol County, Massachusetts in 2025 was 6.5%, across 4,130 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.