What people paid for mortgages in Suffolk County, MA (2025)
Across 4,160 closed home-purchase loans in 2025, the median interest rate in Suffolk was 6.25%, and the middle half of borrowers got between 5.875% and 6.625%. Median total loan costs ran $5,415 on a median loan of $575,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.625%
- Median total loan costs
- $5,415
- Median loan amount
- $575,000
4,160 loans, 2025.
Refinance
- Median rate
- 6.24%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $4,820
- Median loan amount
- $535,000
1,410 loans, 2025.
Lowest median rates in Suffolk (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.First-Citizens Bank & Trust Company5.125%68 loans, median costs $5,091
- 2.Eastern Bank5.25%130 loans, median costs $4,222
- 3.Manufacturers and Traders Trust Company5.625%134 loans, median costs $5,942
- 4.Workers Federal Credit Union5.688%30 loans, median costs $5,248
- 5.Webster Bank, National Association5.75%57 loans, median costs $6,772
Among lenders with at least 30 closed purchase loans in Suffolk County in 2025.
Refinance
- 1.Rocket Mortgage, LLC5.99%135 loans, median costs $8,410
- 2.Bank of America, National Association5.99%32 loans, median costs $4,970
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6%75 loans, median costs $7,597
- 4.Leader Bank, National Association6.125%80 loans, median costs $3,888
- 5.CROSSCOUNTRY MORTGAGE, INC.6.25%67 loans, median costs $3,557
Among lenders with at least 30 closed refinance loans in Suffolk County in 2025.
Lender by lender in Suffolk
Every lender that closed at least 5 qualifying loans in Suffolk 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 | Leader Bank, National Association | 444 | 6.188% | $5,064 | $1,499 | $3,643 |
| 2 | CROSSCOUNTRY MORTGAGE, INC. | 296 | 6.625% | $5,837 | $1,690 | $3,910 |
| 3 | GUARANTEED RATE, INC. | 266 | 6.625% | $5,678 | $1,640 | $1,956 |
| 4 | Cambridge Savings Bank | 185 | 6% | $4,304 | $1,295 | $1,904 |
| 5 | Manufacturers and Traders Trust Company | 134 | 5.625% | $5,942 | $1,500 | $2,960 |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 131 | 6.59% | $9,445 | $3,961 | $2,563 |
| 7 | Eastern Bank | 130 | 5.25% | $4,222 | $1,345 | $1,006 |
| 8 | Citizens Bank, National Association | 98 | 5.875% | $7,644 | $1,350 | $2,467 |
| 9 | Rocket Mortgage, LLC | 96 | 6.375% | $6,001 | $2,870 | $5,165 |
| 10 | GUILD MORTGAGE COMPANY | 93 | 6.5% | $5,492 | $1,783 | $3,358 |
| 11 | Rockland Trust Company | 93 | 6.125% | $5,018 | $1,450 | $4,659 |
| 12 | JPMorgan Chase Bank, National Association | 91 | 6.375% | $5,156 | $1,582 | $2,515 |
| 13 | Fairway Independent Mortgage Corporation | 87 | 6.75% | $5,269 | $1,620 | $2,388 |
| 14 | CMG MORTGAGE, INC. | 84 | 6.5% | $5,859 | $1,920 | $4,674 |
| 15 | SALEM FIVE MORTGAGE COMPANY, LLC | 83 | 6.25% | $5,318 | $1,295 | $3,615 |
| 16 | Bank of America, National Association | 79 | 5.875% | $6,244 | $1,600 | $2,937 |
| 17 | MOVEMENT MORTGAGE, LLC | 77 | 6.5% | $5,934 | $1,745 | $2,868 |
| 18 | First-Citizens Bank & Trust Company | 68 | 5.125% | $5,091 | $1,395 | $2,292 |
| 19 | MSA MORTGAGE, LLC | 66 | 6.375% | $5,498 | $1,445 | $1,533 |
| 20 | Webster Bank, National Association | 57 | 5.75% | $6,772 | $1,590 | $3,786 |
| 21 | GUARANTEED RATE AFFINITY, LLC | 53 | 6.5% | $5,495 | $1,640 | $3,199 |
| 22 | bankESB | 52 | 6% | $4,204 | $899 | $638 |
| 23 | WASHINGTON TRUST MORTGAGE COMPANY LLC | 43 | 6.5% | $5,308 | $1,519 | $1,731 |
| 24 | Morgan Stanley Private Bank, National Association | 39 | 5.85% | $5,378 | $815 | n/a |
| 25 | Berkshire Bank | 38 | 6% | $5,568 | $1,300 | $1,818 |
| 26 | NEW FED MORTGAGE, CORP. | 36 | 6.5% | $5,604 | $1,599 | $5,909 |
| 27 | MORTGAGE EQUITY PARTNERS LLC | 31 | 6.375% | $6,684 | $2,198 | $4,766 |
| 28 | Workers Federal Credit Union | 30 | 5.688% | $5,248 | $1,474 | $5,243 |
| 29 | Institution for Savings in Newburyport and Its Vicinity | 30 | 6.125% | $4,937 | $1,200 | $11,202 |
| 30 | RADIUS FINANCIAL GROUP INC. | 30 | 6.625% | $4,909 | $1,674 | $7,650 |
| 31 | TOTAL MORTGAGE SERVICES, LLC | 30 | 6.625% | $11,376 | $5,767 | $5,131 |
| 32 | EMM LOANS LLC | 29 | 6.99% | $6,193 | $2,636 | $3,016 |
| 33 | Dedham Institution for Savings | 29 | 6.125% | $3,656 | $695 | n/a |
| 34 | TD Bank, National Association | 27 | 6.125% | $5,103 | $950 | $1,425 |
| 35 | Mortgage Research Center, LLC | 27 | 5.99% | $7,308 | $3,370 | $2,519 |
| 36 | U.S. Bank National Association | 27 | 6.125% | $6,448 | $1,454 | $1,356 |
| 37 | Brookline Bank | 25 | 6.25% | $3,744 | $600 | n/a |
| 38 | Broker Solutions, Inc. | 24 | 6.562% | $6,018 | $1,595 | $1,979 |
| 39 | NFM, INC. | 24 | 6.625% | $8,676 | $5,143 | $7,125 |
| 40 | METRO Credit Union | 21 | 6.5% | $4,516 | $1,090 | $6,359 |
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 Suffolk figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Suffolk County in 2025?
The median interest rate on closed home-purchase loans in Suffolk County, Massachusetts in 2025 was 6.25%, across 4,160 first-lien, owner-occupied loans. The middle half of borrowers got between 5.875% and 6.625%.
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.