Massachusetts · dataset refreshed October 5, 2026

Mortgage rates

Compare fixed and adjustable purchase rates publicly advertised for borrowers in the selected state. Use the product & term filter to compare fixed periods and adjustable-rate options directly.

By LoanMate Editorial Team · Dataset refreshed October 5, 2026 — each rate row shows its own last-verified date

270rankable observations

37lenders with numeric rates

0leads sold

Borrower state

Rates shown are advertised rates for borrowers in Massachusetts. Dataset refreshed October 5, 2026 — each rate row shows its own last-verified date.

Out-of-state lender coverage reflects verified licensing and availability data as of September 28, 2026; lenders without verified coverage in a state aren’t shown.

Home Loans: compare purchase mortgages, refinances, HELOCs, and home equity loans. Auto and personal loans are separated into their own categories above.

How this table works. Rows are filtered by state eligibility and sorted only by the selected criterion. Rate and annual percentage rate (APR) come from public lender pages; points, fees, credit, LTV and other assumptions differ. Payment amounts are intentionally not shown in comparison tables. Organic order is never influenced by compensation. Full methodology

Purchase mortgageHome-lending rates only · dataset refreshed October 5, 2026

Lender & product	Rate	APR	Points	Verified
600 Atlantic Federal Credit Union ARMPurchase mortgageMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page unchanged since 2026-10-02, number re-extracted identical; page effective date: 09/10/2026	5.5%Rate may increase after the fixed period.	—	Not listed	2026-10-05	Source ↗
Greenfield Savings Bank10/1 ARMPurchase mortgageMA localMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-02 via live page fetch (browser.open); page shows no effective date (blank 'Rates are current as of .'); Purchase Special - First Time Home Buyer 10/1 ARM; margin 3.000%; FTHB only; caps 2%/5%	5.5%Rate may increase after the fixed period.	6.266%	0	2026-10-02	Source ↗
Country Bank for Savings10-year fixedPurchase mortgageMA localMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: september 29, 2026	5.625%	—	Not listed	2026-10-05	Source ↗
Naveo Credit Union5/1 ARMPurchase mortgageMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 09/29/2026	5.625%Rate may increase after the fixed period.	—	Not listed	2026-10-05	Source ↗
Metro Credit Union15-year fixedPurchase mortgageMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: er 17, 2026	5.75%	—	Not listed	2026-10-05	Source ↗
Needham Bank ARMPurchase mortgageMA localMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page unchanged since 2026-10-02, number re-extracted identical; page effective date: September 10, 2026	5.75%Rate may increase after the fixed period.	—	Not listed	2026-10-05	Source ↗
Country Bank for Savings15-year fixedPurchase mortgageMA localMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: september 29, 2026	5.75%	—	Not listed	2026-10-05	Source ↗
Lowell Five Bank15-year fixedPurchase mortgageMA localMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: October 10, 2026	5.75%	—	Not listed	2026-10-05	Source ↗
Mass Bay Credit Union5/1 ARMPurchase mortgageMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 09/18/26	5.75%Rate may increase after the fixed period.	—	Not listed	2026-10-05	Source ↗
Naveo Credit Union7/1 ARMPurchase mortgageMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 09/29/2026	5.75%Rate may increase after the fixed period.	—	Not listed	2026-10-05	Source ↗
St. Anne's Credit Union5/1 ARMPurchase mortgageMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: September 23, 2026	5.75%Rate may increase after the fixed period.	—	Not listed	2026-10-05	Source ↗
Westport Federal Credit Union15-year fixedPurchase mortgageMA localMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 12/11/2025	5.75%	—	Not listed	2026-10-05	Source ↗

No payment amount is shown in this comparison table. Confirm the current annual percentage rate, repayment terms, fees and eligibility directly with the lender.

APR-only observations (8)

These lenders published an APR but not the underlying note rate, so they are not ranked in the rate leaderboard.

Purchase mortgageHome-lending rates only · dataset refreshed October 5, 2026

Lender & product	Rate	APR	Verified
Align Credit Union10/1 ARMPurchase mortgageMA local	Rate not published	5%	2026-10-05	Source ↗
Cape Ann Savings Bank10-year fixedPurchase mortgageMA local	Rate not published	5.25%	2026-10-05	Source ↗
Align Credit Union3/1 ARMPurchase mortgageMA local	Rate not published	5.625%	2026-10-05	Source ↗
Wrentham Co-operative Bank15-year fixedPurchase mortgageMA local	Rate not published	5.625%	2026-10-05	Source ↗
Reading Cooperative Bank30-year fixedPurchase mortgageMA local	Rate not published	5.75%	2026-09-30	Source ↗
Wrentham Co-operative Bank15-year fixedPurchase mortgageMA local	Rate not published	5.786%	2026-10-05	Source ↗
Reading Cooperative Bank30-year fixedPurchase mortgageMA local	Rate not published	5.829%	2026-09-30	Source ↗
Align Credit Union5/1 ARMPurchase mortgageMA local	Rate not published	5.875%	2026-10-05	Source ↗

Common questions

What is the average 30-year mortgage rate in Massachusetts today?

LoanMate publishes lender-advertised rates, not averaged market indexes. Among 19 verified 30-year fixed observations for Massachusetts borrowers in our October 5, 2026 snapshot, advertised rates ran from 6.50% to 7.375% and averaged about 7.00%. Individual lender pages carry different assumptions.

What is a good 30-year mortgage rate right now?

There is no single benchmark that defines a good rate — lenders set credit, down payment, and point assumptions differently. In our October 5, 2026 Massachusetts snapshot, the lowest advertised 30-year fixed rate among 19 verified observations was 6.50%. Compare each lender’s published assumptions to your own profile.

Why is the APR different from the interest rate?

The interest rate prices the borrowed money alone; the annual percentage rate (APR) spreads certain loan costs over the term. LoanMate shows both figures from the lender’s own page whenever both are published — never one in place of the other. Compare rate, APR, points, and fees together.

Are the rates on this page guaranteed?

No. Each row is a publicly advertised observation captured at the date and time in its Verified column, sourced from the lender’s own website. Rates can change at any time, so open the lender’s source link and confirm pricing, points, fees, and eligibility directly before relying on it.