MonitorBankRates
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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Mortgage Rates Marblehead, Massachusetts for June 2026

Current 30-year fixed mortgage rates in Marblehead, Massachusetts include Marblehead BankMarblehead Bank1 Humphrey St, Marblehead, MA, 01945A+5.0 ★Texas Ratio: 1.28% at 5.99%, Institution for SavingsInstitution for SavingsA+5.0 ★Texas Ratio: 0.11% at 4.99%, First Citizens Federal Credit UnionFirst Citizens Federal Credit UnionA+5.0 ★Texas Ratio: 2.19% at 5.00%, Florence BankFlorence BankA+5.0 ★Texas Ratio: 4.08% at 5.62%, and Savings Bank Wakefield, MASavings Bank Wakefield, MAA+5.0 ★Texas Ratio: 2.32% at 5.88%. Mortgage rates as of June 16, 2026 according to verified data from MonitorBankRates.

Marblehead has 2 local lenders in our database, with mortgage rates as low as 5.99% from Marblehead Bank at 1 Humphrey St, Marblehead, MA, 01945. Use the tabs below to compare all available loan types and terms. Rates are continually updated — we recommend checking back frequently.

Mortgage Rates reflect actual verified offers from lenders actively lending to Massachusetts borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: June 16, 2026

Compare Mortgage Rates Today in Marblehead, Massachusetts & the Surrounding Area

Marblehead 30 Year Fixed Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1 Humphrey St, Marblehead, MA, 01945
30-Year Fixed Rate Mortgage
30-Year
5.99%
5.75%
Rate5.99%
APR5.75%
Points0.000
UpdatedJun 16, 2026
Details

w/ automatic deduction

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
First-Time/Affordable Homebuyer Loan* 30 Year Fixed
30 Year Fixed
4.99%
5.03%
Rate4.99%
APR5.03%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
30-Year Fixed
30-Year Fixed
5.00%
5.08%
Rate5.00%
APR5.08%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
Welcome Home - 30-Year Fixed Rate
30-Year Fixed Rate
5.62%
5.68%
Rate5.62%
APR5.68%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
30 Year Fixed
5.50%
5.77%
Rate5.50%
APR5.77%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
30-Year Fixed
30 Years
5.88%
5.92%
Rate5.88%
APR5.92%
Points1.000
UpdatedJun 16, 2026
Details

20% Down; Maximum Loan Amount: See note 1

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
30 Year Fixed
5.75%
5.92%
Rate5.75%
APR5.92%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
30-Year Fixed-Rate VA
30-Year
5.75%
5.95%
Rate5.75%
APR5.95%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
30-Year Fixed
30 Years
5.99%
5.99%
Rate5.99%
APR5.99%
Points0.000
UpdatedJun 16, 2026
Details

20% Down; Maximum Loan Amount: See note 1

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
30 Year Fixed
30 Year
5.99%
6.03%
Rate5.99%
APR6.03%
Points0.000
UpdatedJun 16, 2026
Details

11% Down1; Reduced closing costs.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
30-Year Fixed
30 Years
5.75%
6.03%
Rate5.75%
APR6.03%
Points2.000
UpdatedJun 16, 2026
Details

20% Down; Maximum Loan Amount: See note 1

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
FTHB - 30-Year Fixed Rate
6.00%
6.06%
Rate6.00%
APR6.06%
Points0.000
UpdatedJun 16, 2026
Details

Fully Indexed Rate: N/A; Monthly Principal and Interest Payment per $1,000 Borrowed*: $6.00; Monthly Principal and Interest Payment per $1,000 After First Adjustment*: N/A

Canton Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.05%
30 Year Fixed Rate
30 Year
5.99%
6.07%
Rate5.99%
APR6.07%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
30 Year Fixed-Rate Mortgage
30 Year
6.00%
6.10%
Rate6.00%
APR6.10%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
30 Year Fixed
5.99%
6.12%
Rate5.99%
APR6.12%
Points0.500
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
30-Year Fixed Mortgage
30-Year
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedJun 16, 2026
Details

Effective 6/16/2026; Annual Percentage Rate is based on a $150,000 loan amount; Rates are subject to increase after consummation/first adjustment; Down Payment Requirements: 20% down payment is required; less than a 20% down payment will require PMI Insurance; less than a 30% down payment will require real estate tax escrow; APR will vary depending on term.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
30-Year Fixed Jumbo
30 Years
6.12%
6.14%
Rate6.12%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

20% Down; Maximum Loan Amount: See note 2; Property must be located in TSB's CRA area: Andover, Lawrence, Lynnfield, Melrose, Methuen, Middleton, North Reading, Reading, Saugus, Stoneham, Wakefield, and Wilmington. Jumbo Loan minimum FICO score of 700.

Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
30 Year Fixed
30 Year
6.00%
6.17%
Rate6.00%
APR6.17%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 Year Fixed (Conforming)
6.12%
6.20%
Rate6.12%
APR6.20%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 Year Fixed (Jumbo)
6.12%
6.20%
Rate6.12%
APR6.20%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
30-Year Fixed-Rate
30-Year
5.88%
6.20%
Rate5.88%
APR6.20%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
30 Year Fixed
6.12%
6.21%
Rate6.12%
APR6.21%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
30-Year Fixed-Rate
30-Year
6.00%
6.23%
Rate6.00%
APR6.23%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Jumbo 30 Year Fixed
Jumbo 30 Year Fixed
6.12%
6.26%
Rate6.12%
APR6.26%
Points1.000
UpdatedJun 11, 2026
Details

As Low As

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
30 Year Fixed
360 Payments
6.25%
6.26%
Rate6.25%
APR6.26%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
30-Year Fixed-Rate
30-Year
6.12%
6.26%
Rate6.12%
APR6.26%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
30-Year Fixed-Rate Mortgage
30-Year
6.12%
6.26%
Rate6.12%
APR6.26%
Points0.000
UpdatedJun 16, 2026
Details

Rate Lock Guarantee; 120 calendar day rate lock guarantee; Subject property must be located within Hampden, Hampshire or Franklin County of Massachusetts; maximum loan amount $766,550, loan to value ratio (LTV) of 95% or less, Private Mortgage Insurance (PMI) required if the LTV is more than 80%, and a minimum credit score of 680. Rates and fees may vary based upon your credit profile, property type, and/or LTV. Account subject to credit approval. Rates current as of 06/15/2026 and are subject to change. Homeowners' (and flood if applicable) insurance is required. Repayment example: $5.92 per $1,000 borrowed for 360 months. Payments do not include amounts for taxes and insurance, the actual payment will be greater. To guarantee 120 calendar day rate lock, a qualifying property must be identified and mortgage application submitted by the 75th calendar day from the date of the rate lock agreement. Only available on certain mortgage products.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
30-Year Fixed-Rate
30-Year Fixed
6.25%
6.29%
Rate6.25%
APR6.29%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
30 Year Fixed Rate - Jumbo
360
6.25%
6.29%
Rate6.25%
APR6.29%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
30 Year Fixed Rate - Conforming
360
6.25%
6.30%
Rate6.25%
APR6.30%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30-Year Fixed Rate Mortgage
30 years
6.32%
6.32%
Rate6.32%
APR6.32%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; *Annual Percentage Rate

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
30 Year Fixed Mortgage
30 Year
6.36%
6.36%
Rate6.36%
APR6.36%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; Whether you're in the market for your first home, trading up to a new one, or getting ready to downsize, we have a mortgage to match.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
30 Year Fixed
30 Year
6.12%
6.36%
Rate6.12%
APR6.36%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
30 Year Fixed*
30 Year
6.12%
6.36%
Rate6.12%
APR6.36%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
FTHB Co-op Achieve 30 Yr Fixed
30
6.25%
6.36%
Rate6.25%
APR6.36%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
30 Year Fixed Rate Mortgage
30 Year
6.25%
6.38%
Rate6.25%
APR6.38%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
30 YR Loan
30 YR
6.39%
6.39%
Rate6.39%
APR6.39%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
30 Year Fixed
6.38%
6.41%
Rate6.38%
APR6.41%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
30 Year Fixed (HomeReady®)*
6.38%
6.41%
Rate6.38%
APR6.41%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
30 Year Fixed Rate - Conforming MoveUp Home Loan
360
6.38%
6.42%
Rate6.38%
APR6.42%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
30 Year Mortgages
30 Year
6.38%
6.43%
Rate6.38%
APR6.43%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
30 Year Mortgages: Purchase
6.38%
6.43%
Rate6.38%
APR6.43%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
30 Year Fixed Low Down Payment First Time Homebuyer
30 Year
6.38%
6.44%
Rate6.38%
APR6.44%
Points0.000
UpdatedJun 16, 2026
Details

CAPS: N/A

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
30 Year Fixed
30 Year Fixed
6.25%
6.45%
Rate6.25%
APR6.45%
Points1.000
UpdatedJun 11, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
30-Year Fixed Home Loans
6.46%
6.46%
Rate6.46%
APR6.46%
Points0.000
UpdatedJun 16, 2026
Details

As low as

Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
30 Year Fixed Conventional*
30 years
6.38%
6.47%
Rate6.38%
APR6.47%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
30 Year Fixed Conventional
30 years
6.38%
6.47%
Rate6.38%
APR6.47%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
FTHB Co-op Attain 30 Yr Fixed
30
6.38%
6.49%
Rate6.38%
APR6.49%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 Year Fixed Rate
30 Year
6.50%
6.51%
Rate6.50%
APR6.51%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
30 YR Jumbo Loan
30 YR
6.51%
6.51%
Rate6.51%
APR6.51%
Points0.000
UpdatedJun 16, 2026
Details

Jumbo

Marblehead 15 Year Fixed Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
15 Year Fixed
15 Year
5.25%
5.13%
Rate5.25%
APR5.13%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
15-Year Fixed
15-Year Fixed
5.00%
5.14%
Rate5.00%
APR5.14%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
15 Year Fixed
5.00%
5.45%
Rate5.00%
APR5.45%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
15 Year Fixed
5.25%
5.54%
Rate5.25%
APR5.54%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Year Fixed (Conforming)
5.50%
5.59%
Rate5.50%
APR5.59%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Year Fixed (Jumbo)
5.50%
5.59%
Rate5.50%
APR5.59%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
15 Year Fixed
5.50%
5.63%
Rate5.50%
APR5.63%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
15-Year Fixed
15 Years
5.50%
5.65%
Rate5.50%
APR5.65%
Points0.000
UpdatedJun 16, 2026
Details

20% Down; Maximum Loan Amount: See note 1

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
15-Year Fixed
15 Years
5.38%
5.67%
Rate5.38%
APR5.67%
Points1.000
UpdatedJun 16, 2026
Details

20% Down; Maximum Loan Amount: See note 1

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
15 Year Fixed
15 Year
5.62%
5.68%
Rate5.62%
APR5.68%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
15 Year Fixed Rate Mortgage
15 Year
5.50%
5.70%
Rate5.50%
APR5.70%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Canton Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.05%
15 Year Fixed Rate
15 Year
5.62%
5.74%
Rate5.62%
APR5.74%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
15 Year Fixed
180 Payments
5.75%
5.77%
Rate5.75%
APR5.77%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
15-Year Fixed Rate
15-Year
5.50%
5.77%
Rate5.50%
APR5.77%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
15 Year Fixed
15 Year
5.50%
5.77%
Rate5.50%
APR5.77%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
15 Year Fixed
5.75%
5.80%
Rate5.75%
APR5.80%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
15 Year Fixed
15 Year Fixed
5.50%
5.81%
Rate5.50%
APR5.81%
Points1.000
UpdatedJun 11, 2026
Details

As Low As

Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
15 Year Fixed Rate
5.75%
5.82%
Rate5.75%
APR5.82%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
15 Year Fixed-Rate Mortgage
15 Year
5.75%
5.91%
Rate5.75%
APR5.91%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
15-Year Fixed-Rate
15-Year Fixed
5.88%
5.94%
Rate5.88%
APR5.94%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
15-Year Fixed-Rate
15-Year
5.75%
5.98%
Rate5.75%
APR5.98%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
15 Year Fixed Mortgage
5.88%
5.99%
Rate5.88%
APR5.99%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
15-Year Fixed-Rate
15-Year
5.62%
6.01%
Rate5.62%
APR6.01%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
15-Year Fixed Rate Mortgage Refinance
15 years
5.88%
6.01%
Rate5.88%
APR6.01%
Points0.375
UpdatedJun 16, 2026
Details

Rates include 0.125% autopay and paperless discount. Estimated Monthly Payment: $2,511.36. The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Columbus, OH and is within Franklin county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 5.875% interest rate, the APR for this loan type is 6.013%. The monthly payment schedule would be: 179 payments of $2,511.36 at an interest rate of 5.875%, 1 payment of $2,510.53 at an interest rate of 5.875%. Rates listed above are for conforming refinance loans, are effective as of 06/15/2026 9:08 AM CT and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Year Fixed Rate
15 Year
6.00%
6.02%
Rate6.00%
APR6.02%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
15 YR Loan
15 YR
6.03%
6.03%
Rate6.03%
APR6.03%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
15 Year Fixed
15 years
5.88%
6.03%
Rate5.88%
APR6.03%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
15-Year Fixed-Rate
15-Year
5.50%
6.04%
Rate5.50%
APR6.04%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
15 Year Fixed Rate - Conforming
180
6.00%
6.07%
Rate6.00%
APR6.07%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
15 Year Fixed Rate - Jumbo
180
6.00%
6.07%
Rate6.00%
APR6.07%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
15-Year Fixed Home Loans
6.08%
6.08%
Rate6.08%
APR6.08%
Points0.000
UpdatedJun 16, 2026
Details

As low as

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
15 Year Fixed Rate Mortgage
15 Year
6.00%
6.10%
Rate6.00%
APR6.10%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
15 Year Fixed
15 Year
5.75%
6.14%
Rate5.75%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
15 Year Fixed*
15 Year
5.75%
6.14%
Rate5.75%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
15 YR Jumbo Loan
15 YR
6.14%
6.14%
Rate6.14%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

Jumbo

Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
15 Year Fixed Mortgage
6.00%
6.16%
Rate6.00%
APR6.16%
Points0.000
UpdatedJun 16, 2026
Details

Assumptions apply. Rate may differ based on unique circumstances. Ask about additional loan programs and rates.

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
15 Year Fixed Mortgage
180 months
6.00%
6.18%
Rate6.00%
APR6.18%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
15-Year Fixed Rate Mortgage
15 years
6.19%
6.19%
Rate6.19%
APR6.19%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; *Annual Percentage Rate

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
15 Year Fixed Mortgage
180 months
5.88%
6.21%
Rate5.88%
APR6.21%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
15 Year Fixed Mortgage
180 months
5.75%
6.24%
Rate5.75%
APR6.24%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
15 Year Fixed Conventional
15 years
6.12%
6.38%
Rate6.12%
APR6.38%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
15 Year Fixed Conventional**
15 years
6.12%
6.38%
Rate6.12%
APR6.38%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
15 Year Fixed
6.38%
6.39%
Rate6.38%
APR6.39%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Southbridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
15 Yrs Loan
15 Yrs
6.50%
6.52%
Rate6.50%
APR6.52%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
15-Year Fixed-Rate
15-Year
6.25%
6.67%
Rate6.25%
APR6.67%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Marblehead 5/1 ARM Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1 Humphrey St, Marblehead, MA, 01945
30 Year Adjustable-Rate Mortgage
5/1 yr
5.62%
6.45%
Rate5.62%
APR6.45%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Brotherhood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
254 Humphrey St, Marblehead, MA, 01945
5/5 Adjustable 30 years Loan
30 years
5.75%
6.50%
Rate5.75%
APR6.50%
Points0.000
UpdatedJun 16, 2026
Details

Initial Fixed Term: 60 months; Remaining Adjustable Term: 300 months; Fully Indexed Rate: 6.875%

Taupa Lithuanian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
5/1 Year ARM
5.25%
5.25%
Rate5.25%
APR5.25%
Points0.000
UpdatedJun 16, 2026
Details

with closing costs

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
5/1 ARM
5.50%
5.35%
Rate5.50%
APR5.35%
Points0.000
UpdatedJun 16, 2026
Details

2/5 Caps

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
FTHB - 5/1-Year Adjustable Rate (30-Year Term) Loan
30-Year Term
4.75%
5.95%
Rate4.75%
APR5.95%
Points0.000
UpdatedJun 16, 2026
Details

Fully Indexed Rate: 6.625%; Monthly Principal and Interest Payment per $1,000 Borrowed*: $5.22 (60 payments); Monthly Principal and Interest Payment per $1,000 After First Adjustment*: $6.25 (300 payments)

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
5/1 Adjustable Loan
5/1
5.25%
6.01%
Rate5.25%
APR6.01%
Points0.000
UpdatedJun 16, 2026
Details

Rates and APRs effective October 3, 2025 and are subject to change without notice. Rates, APR, payments, and fees are based on 25% down payment and excellent credit history. Your actual interest rate, APR, payment, and fees may be different than what is displayed here and will be based on several factors, including but not limited to: your credit history, property type, and transaction type. All mortgages and home equity loans require property insurance. Adjustable Rate Mortgages (ARM): rates may be subject to increase after consummation. ARM terms available. Your interest rate cannot increase or decrease more than 5 percentage points at first adjustment and 2 percentage points per subsequent adjustment from the initial interest rate excluding any buydown. Your interest rate will never be greater than 5 percentage points above the initial interest rate or lower than 2.75%.

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
5/1 ARM
5/1 ARM
6.00%
6.02%
Rate6.00%
APR6.02%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
5/1 Adjustable Mortgage Loan
5.38%
6.03%
Rate5.38%
APR6.03%
Points0.000
UpdatedJun 16, 2026
Details

60 monthly payments of $5.60, 300 monthly payments of $6.91

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
5/1-Year Adjustable-Rate (30-Year Term) Loan
30-Year Term
5.00%
6.12%
Rate5.00%
APR6.12%
Points0.000
UpdatedJun 16, 2026
Details

Fully Indexed Rate: 6.625%

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5/6 ARM - Conforming
360
5.62%
6.12%
Rate5.62%
APR6.12%
Points0.000
UpdatedJun 16, 2026
Details

Fully Indexed Rate: 6.375%

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5/1 ARM
30 years
5.50%
6.16%
Rate5.50%
APR6.16%
Points0.000
UpdatedJun 16, 2026
Details

Rate may adjust every year. Lifetime rate cap of 6.00% above intro rate. Advertised rate is discounted 0.125% for automatic payments from your Trustco Bank deposit account. The initial 60 monthly payments will be $5.68 per $1,000 borrowed. After initial five year period, Trustco may adjust its mortgage rate every 12 months thereafter based on variable 1-Year Constant Maturity Treasury reported weekly (currently 3.750%) + 3.00% margin over the life of the loan rounded to the nearest .125%, with a maximum increase of 2.00% per period. Rate current as of 6/4/2026. Based on the current fully indexed rate, the rate will be 6.750% the monthly payments will be $6.39 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums. Actual payment will be greater. Rate applies to new purchases and refinances only. The APR and payments may be increased after consummation.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5/1 ARM, Primary Purchase
5.50%
6.16%
Rate5.50%
APR6.16%
Points0.000
UpdatedJun 16, 2026
Details

Adjustable-Rate Mortgages

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
5/1 Adjustable Rate Mortgage (ARM)
30 Years
5.25%
6.17%
Rate5.25%
APR6.17%
Points0.000
UpdatedJun 16, 2026
Details

First 60 Months

Seamens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5/1 Adjustable Rate Mortgage (ARM)
5.38%
6.21%
Rate5.38%
APR6.21%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
5/1 Adjustable Rate Mortgage
360
5.38%
6.21%
Rate5.38%
APR6.21%
Points0.000
UpdatedJun 16, 2026
Details

Rate Caps: 2%/2%/5%; Fully Indexed Rate: 6.340%

Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
Adjustable Rate Mortgages
5/6*
5.50%
6.22%
Rate5.50%
APR6.22%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
5/1 ARM
5.50%
6.25%
Rate5.50%
APR6.25%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Canton Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.05%
5/1 Adjustable Rate Loan
5/1
5.50%
6.25%
Rate5.50%
APR6.25%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Taupa Lithuanian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
5/1 Year ARM
6.25%
6.25%
Rate6.25%
APR6.25%
Points0.000
UpdatedJun 16, 2026
Details

no closing costs

Polish National Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
5/1 ARM
30 Years
5.38%
6.27%
Rate5.38%
APR6.27%
Points0.000
UpdatedJun 16, 2026
Details

Fully Indexed Rate: 6.625%

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
5/5 ARM
30 Years
5.50%
6.27%
Rate5.50%
APR6.27%
Points0.000
UpdatedJun 16, 2026
Details

Months 1 - 60; Months 61 - 360

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5/1 Year Adjustable Rate Loan
30
6.25%
6.29%
Rate6.25%
APR6.29%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
5/5 ARM
5/5 ARM
6.12%
6.30%
Rate6.12%
APR6.30%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5/1 Arm (30-Year)
6.33%
6.33%
Rate6.33%
APR6.33%
Points0.000
UpdatedJun 16, 2026
Details

As low as

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
5/1 Year ARM
5/1 Year ARM
5.25%
6.35%
Rate5.25%
APR6.35%
Points1.000
UpdatedJun 11, 2026
Details

As Low As

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
5/5 ARM
5/5 ARM
6.35%
6.35%
Rate6.35%
APR6.35%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5/1 Year Adjustable Loan
60
6.00%
6.61%
Rate6.00%
APR6.61%
Points0.000
UpdatedJun 16, 2026
Details

Fully Indexed Rate %: 7.000%

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Adjustable-Rate Mortgage
5/1
5.50%
7.18%
Rate5.50%
APR7.18%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Marblehead 30-Year Jumbo Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
10 Year Fixed Rate - Jumbo
120
5.88%
5.98%
Rate5.88%
APR5.98%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 10 Year
10 Year
6.00%
6.04%
Rate6.00%
APR6.04%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
7/6 ARM - Jumbo
360
5.75%
6.10%
Rate5.75%
APR6.10%
Points0.000
UpdatedJun 16, 2026
Details

$832,751 to $2,000,000; Fully Indexed Rate: 6.375%

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
30-Year Fixed Jumbo
30 Years
6.12%
6.14%
Rate6.12%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

20% Down; Maximum Loan Amount: See note 2; Property must be located in TSB's CRA area: Andover, Lawrence, Lynnfield, Melrose, Methuen, Middleton, North Reading, Reading, Saugus, Stoneham, Wakefield, and Wilmington. Jumbo Loan minimum FICO score of 700.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 10 Year
10 Year
5.88%
6.14%
Rate5.88%
APR6.14%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
20 Year Fixed Rate - Jumbo
240
6.12%
6.18%
Rate6.12%
APR6.18%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 Year Fixed (Jumbo)
6.12%
6.20%
Rate6.12%
APR6.20%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 10 Year
10 Year
5.75%
6.23%
Rate5.75%
APR6.23%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Jumbo 30 Year Fixed
Jumbo 30 Year Fixed
6.12%
6.26%
Rate6.12%
APR6.26%
Points1.000
UpdatedJun 11, 2026
Details

As Low As

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
30 Year Fixed Rate - Jumbo
360
6.25%
6.29%
Rate6.25%
APR6.29%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
First Mortgage, Jumbo (30 Year)
30 Year
6.38%
6.39%
Rate6.38%
APR6.39%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 20 Year
20 Year
6.12%
6.40%
Rate6.12%
APR6.40%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 20 Year
20 Year
6.00%
6.40%
Rate6.00%
APR6.40%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 20 Year
20 Year
6.38%
6.40%
Rate6.38%
APR6.40%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
30 Year Jumbo Loan
30 Year Jumbo
6.38%
6.42%
Rate6.38%
APR6.42%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
10/6 ARM - Jumbo
360
6.38%
6.42%
Rate6.38%
APR6.42%
Points0.000
UpdatedJun 16, 2026
Details

$832,751 to $2,000,000; Fully Indexed Rate: 6.375%

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
Jumbo 30 Loan
6.38%
6.42%
Rate6.38%
APR6.42%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Winter Hill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Fixed Rate Jumbo - First Mortgage Loans 30 Year
30 Year
6.38%
6.45%
Rate6.38%
APR6.45%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
30 YR Jumbo Loan
30 YR
6.51%
6.51%
Rate6.51%
APR6.51%
Points0.000
UpdatedJun 16, 2026
Details

Jumbo

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 30 Year
30 Year
6.38%
6.58%
Rate6.38%
APR6.58%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 25 Year
25 Year
6.38%
6.61%
Rate6.38%
APR6.61%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 30 Year
30 Year
6.50%
6.62%
Rate6.50%
APR6.62%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 25 Year
25 Year
6.50%
6.63%
Rate6.50%
APR6.63%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 30 Year
30 Year
6.62%
6.64%
Rate6.62%
APR6.64%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 25 Year
25 Year
6.62%
6.65%
Rate6.62%
APR6.65%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Jumbo Loan Rate - Fixed
30
6.75%
6.79%
Rate6.75%
APR6.79%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Polish National Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Fixed Rate Jumbo
30 Years
6.88%
7.07%
Rate6.88%
APR7.07%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Marblehead 15-Year Jumbo Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Year Fixed (Jumbo)
5.50%
5.59%
Rate5.50%
APR5.59%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
15 Year Fixed Rate - Jumbo
180
6.00%
6.07%
Rate6.00%
APR6.07%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
15 YR Jumbo Loan
15 YR
6.14%
6.14%
Rate6.14%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

Jumbo

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 15 Year
15 Year
6.12%
6.16%
Rate6.12%
APR6.16%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 15 Year
15 Year
5.88%
6.19%
Rate5.88%
APR6.19%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 15 Year
15 Year
5.88%
6.21%
Rate5.88%
APR6.21%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Marblehead 5/1 Jumbo ARM Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5/6 ARM - Jumbo
360
5.62%
6.12%
Rate5.62%
APR6.12%
Points0.000
UpdatedJun 16, 2026
Details

Up to $2,000,000; Fully Indexed Rate: 6.375%

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
5/5 ARM (Jumbo)
5/5 ARM
6.35%
6.35%
Rate6.35%
APR6.35%
Points0.000
UpdatedJun 16, 2026
Details

Jumbo

Marblehead FHA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
FHA 30 Year Fixed
30 years
5.88%
6.66%
Rate5.88%
APR6.66%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
FHA 30 Year Fixed Mortgage
6.00%
6.79%
Rate6.00%
APR6.79%
Points0.000
UpdatedJun 16, 2026
Details

Assumptions apply. Rate may differ based on unique circumstances. Ask about additional loan programs and rates.

Marblehead VA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
30 Years 3 year/1 year variable rate Loan
30 Years
5.50%
5.50%
Rate5.50%
APR5.50%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
5&1 Fixed Variable ARM
5.38%
5.65%
Rate5.38%
APR5.65%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
7&1 Fixed Variable ARM
5.50%
5.80%
Rate5.50%
APR5.80%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
30-Year Fixed-Rate VA
30-Year
5.75%
5.95%
Rate5.75%
APR5.95%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
7&3 Fixed Variable ARM
5.62%
6.11%
Rate5.62%
APR6.11%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
10&5 Fixed Variable ARM
6.00%
6.34%
Rate6.00%
APR6.34%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
VA 30 Year Fixed
30 years
7.00%
7.34%
Rate7.00%
APR7.34%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Marblehead, MA Mortgage Rate Trends

Compare local Marblehead, MA mortgage rate quotes against the statewide average

Daily mortgage rate averages tracked across our database of verified mortgage rate quotes — updated every evening.

View Full Massachusetts Mortgage Trends →
30-Year Fixed — MA Avg
6.379%
▲ 0.046 vs 7 days ago

Massachusetts 30-year fixed rates rose 0.046 points over the past 7 days to 6.379%.

15-Year Fixed — MA Avg
5.945%
▼ 0.023 vs 7 days ago

Massachusetts 15-year fixed rates fell 0.023 points over the past 7 days to 5.945%.

As of Jun 20, 2026 • Rate data sourced from our monitored institution network
Powered by MonitorBankRates

Massachusetts Mortgage Rate Forecast — Next 12 Months

Where are Massachusetts mortgage rates headed through June 2027?

Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.

Current MA Avg
6.379%
30-Year Fixed
6-Month Forecast
6.379%
Range: 6.03% – 6.68%
12-Month Forecast
5.979%
Range: 5.63% – 6.28%
12-Mo Payment Chg.
-$196/mo
vs. today on median home

What Forecast Rates Mean for Marblehead, MA Home Buyers

Monthly principal & interest payment on Marblehead, MA median home of $943,900 (20% down, 30-year fixed, city-level Census ACS median)

Scenario Rate Mo. Payment vs. Today % of Income
Today (MA avg) 6.379% $4,713 31.1%
6-Month Forecast 6.379% (6.03–6.68%) $4,713 +$0/mo 31.1%
12-Month Forecast 5.979% (5.63–6.28%) $4,517 -$196/mo 29.8%

Income column = annual mortgage payment as % of Marblehead, MA median household income ($182,132). Above 30% is generally considered cost-burdened.

Projections based on Fed funds futures and mortgage-to-fed-funds spread model. Not a guarantee of future rates.

MonitorBankRates Housing Affordability Index (MBR-HAI)

A daily-updated affordability score for Marblehead, Massachusetts — computed from local Census Bureau data combined with current Massachusetts mortgage rates.

Massachusetts HAI Analysis →
Marblehead Metro MBR-HAI
90.8
Near National Average
National Average
100.3
Score of 100 = baseline
vs. National
-9.4
less affordable
Median Home Value
$943,900
Census ACS 5-Yr 2024
Median Income
$182,132
Household income

What This Score Means for Marblehead, Massachusetts Home Buyers

With a score of 90.8, Marblehead, Massachusetts is 9.4 points less affordable than the national average of 100.3. The area’s median home value of $943,900 against a median household income of $182,132 produces a price-to-income ratio of 5.2x — modestly above the national norm. At the current Massachusetts mortgage rate of 6.379%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $4,713 in principal and interest.

Beyond the mortgage payment, the median total monthly owner cost in this area is $3,079 — covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $678/month ($8,130/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.

Score Interpretation
120+  Highly Affordable
110-119  More Affordable Than Average
90-109  Near National Average
70-89  Moderately Less Affordable
50-69  Significantly Less Affordable
Below 50  Least Affordable
As of Jun 20, 2026 • Updated each morning

Score computed from local U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Massachusetts live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology →

How Mortgage Rates Impact Home Affordability in Marblehead, Massachusetts

Marblehead, Massachusetts Housing Market Overview

According to the U.S. Census Bureau, the median owner-occupied home value in Marblehead, Massachusetts is approximately $943,900. The 2026 FHFA conforming loan limit for this area is $832,750 — meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.

Marblehead, Massachusetts Homeownership Rate

Marblehead Metro
62.3%
-3.4% vs. national avg
Massachusetts Statewide
62.3%
0% vs. Massachusetts
U.S. National Rate
65.7%
CPS/HVS Q4 2025
Homeowner Vacancy Rate
0.7%
Tight market — low inventory

The homeownership rate in Marblehead, Massachusetts stands at 62.3%, near the national average of 65.7%. The homeowner vacancy rate of 0.7% signals a tight market with limited available inventory — making it critical to secure the best possible rate quickly when a suitable property becomes available.

Monthly Payment Estimates for Marblehead, Massachusetts Buyers

Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $760,000 mortgage — based on a 20% down payment on the Marblehead, Massachusetts median home value.

Interest Rate Loan Term Monthly Payment Total Interest Paid
5.879% 30-year fixed $4,498 $859,147
6.379% Current Avg 30-year fixed $4,743 $947,624
6.879% 30-year fixed $4,995 $1,038,089
5.945% 15-year fixed $6,391 $390,335

A 0.500% rate increase on a $760,000 loan adds roughly $251 per month and over $90,465 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders — using the rate table above — is one of the most impactful financial decisions a Marblehead, Massachusetts buyer can make.

Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only — taxes, insurance, and PMI not included.

Marblehead, Massachusetts Income & Housing Affordability

At a price-to-income ratio of 5.2x, Marblehead, Massachusetts is a moderately expensive housing market. That ratio — median home value divided by median household income — is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.

Marblehead Median Income
$182,132
+125.6% vs. national median
ACS 5-Year 2024
Massachusetts Median Income
$103,960
+28.8% vs. national median
ACS 5-Year 2024
U.S. Median Income
$80,734
National baseline
ACS 5-Year 2024
Price-to-Income Ratio
5.2x
National avg: 3.8x
Home value / household income

What This Means for Marblehead, Massachusetts Buyers

With a median household income of $182,132 per year in Marblehead, Massachusetts ($15,178/month) and a median home value of approximately $943,900, a buyer financing at 80% LTV at the current average rate would commit roughly 31.3% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened" — before taxes, insurance, HOA fees, or PMI are factored in.

Compared to the Massachusetts statewide price-to-income ratio of 5.4x, Marblehead tracks closely with the broader Massachusetts market on income-adjusted affordability. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.

Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.

Full Cost of Homeownership in Marblehead, Massachusetts

A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Marblehead, Massachusetts. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.

Owner vs. Renter Costs

Median Monthly Owner Cost
$3,079
Mortgage, taxes, insurance & utilities
+45% vs. Massachusetts avg
Median Gross Rent
$1,764
Rent including utilities
0% vs. Massachusetts avg
Ownership Premium
+$1,315
Owner cost vs. rent per month
Owning costs 75% more than renting
Median Annual Property Tax
$8,130
$678/month added to housing costs

In Marblehead, Massachusetts, the median homeowner with a mortgage pays approximately $3,079/month in total housing costs — covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,764/month including utilities. That $1,315/month gap between owning and renting reflects both the premium for ownership and the reality that mortgaged homeowners are building equity with each payment while renters are not. Property taxes alone account for $678/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.

Housing Cost Burden

The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.

Owner Cost Burden (30%+)
26.9%
of mortgage holders
14.4% severely burdened (50%+)
Renter Cost Burden (30%+)
44.4%
of renters
27.1% severely burdened (50%+)
National Owner Burden
28.0%
of mortgage holders nationally
47.6% of renters nationally

In Marblehead, Massachusetts, 26.9% of homeowners with mortgages are cost burdened and 44.4% of renters are cost burdened. Renters face significantly higher burden rates than owners — a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. With an owner burden rate of 26.9% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.

Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.

Run the Numbers on Your Marblehead, Massachusetts Home Loan

Rates are only part of the equation. Use these calculators to translate current Marblehead, Massachusetts mortgage rates into real numbers for your specific situation — before you talk to a lender.

Types of Mortgages Available in Marblehead, Massachusetts

Not every loan program is right for every buyer in Marblehead, Massachusetts. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products — and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.

Fixed-Rate Mortgage

A fixed-rate mortgage locks your interest rate in for the entire loan term — your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.

Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Marblehead, Massachusetts rate levels.

Adjustable-Rate Mortgage (ARM)

An ARM offers a fixed introductory rate for an initial period — commonly 5, 7, or 10 years — after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.

ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.

FHA Loan

Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down — and some lenders will consider scores as low as 500 with a 10% down payment.

The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15%–0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment — given ongoing home price trends in Marblehead, Massachusetts — FHA is often the faster path to ownership.

VA Loan

Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with — and often better than — conventional loan rates.

A one-time funding fee applies — 2.15% of the loan for first-time VA borrowers with no down payment — which can be financed into the loan. In Marblehead, Massachusetts, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.

Jumbo Loan

The 2026 FHFA conforming loan limit for Marblehead, Massachusetts is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk — and price that risk accordingly.

Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10–20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Marblehead, Massachusetts mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Marblehead, Massachusetts directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Marblehead, Massachusetts. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in MA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.

How a Mortgage Works in Marblehead, Massachusetts

A mortgage is a loan used to buy a home in Marblehead, Massachusetts, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.

Fixed-Rate vs. Adjustable-Rate Mortgages for Marblehead, Massachusetts Buyers

A fixed-rate mortgage keeps the same interest rate for the entire term, so a Marblehead, Massachusetts homeowner’s principal-and-interest payment never changes. For example, Marblehead Bank is listing a 30-Year Fixed Rate Mortgage at 5.99%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Marblehead, Massachusetts borrowers who expect to move or refinance before that point. On the adjustable-rate side, Marblehead Bank is listing a 30 Year Adjustable-Rate Mortgage at 5.62%.

How Marblehead, Massachusetts Mortgage Rates Are Set

Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Massachusetts borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.

Points and Closing Costs in Marblehead, Massachusetts

The interest rate is not the only cost of buying a home in Marblehead, Massachusetts. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Marblehead, Massachusetts shoppers account for these costs when weighing lenders.

When Marblehead, Massachusetts Homeowners Should Consider Refinancing

Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Marblehead, Massachusetts homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up.

Frequently Asked Questions about Mortgage Rates in Marblehead, Massachusetts

How does my credit score affect my rate in Massachusetts?

Your credit score is a major factor. Generally, borrowers in Marblehead, Massachusetts with higher credit scores (760+) receive the lowest interest rates.

What is a 30-Year Fixed Mortgage?

A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Massachusetts because it offers lower monthly payments compared to shorter-term loans.

What are closing costs in Massachusetts?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Massachusetts, these may include appraisal fees, title insurance, and recording fees.

Should I lock my mortgage rate?

If you are satisfied with the current rate and worried rates might rise before closing on your home in Marblehead, Massachusetts, locking your rate is a good idea. It guarantees your rate for a specific period.

What is an Adjustable-Rate Mortgage (ARM)?

An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.

What is a Jumbo Loan in Marblehead, Massachusetts?

A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Massachusetts, these limits are higher. These loans typically require stronger credit and larger down payments.

Do I need 20% down to buy a house in Massachusetts?

No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Marblehead, Massachusetts offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.

What is the difference between Interest Rate and APR?

The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.

How do I find the best lender in Marblehead, Massachusetts?

Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.

What is the median home value in Marblehead, Massachusetts?

According to the U.S. Census Bureau, the median owner-occupied home value in Marblehead, Massachusetts is approximately $943,900. The 2026 FHFA conforming loan limit for this area is $832,750. Source: U.S. Census Bureau; Federal Housing Finance Agency (FHFA).

What is the homeownership rate in Marblehead, Massachusetts?

According to the U.S. Census Bureau Housing Vacancies and Homeownership survey (CPS/HVS, Q4 2025), the homeownership rate in the Marblehead, MA metro area is 62.3%, compared to the national rate of 65.7%. Source: census.gov/housing/hvs.

What is the conforming loan limit in Marblehead, Massachusetts?

The 2026 FHFA conforming loan limit for Marblehead, Massachusetts is $832,750. Mortgages above this amount are considered jumbo loans and typically require stronger credit, a larger down payment, and additional reserves. Source: Federal Housing Finance Agency, fhfa.gov/data/conforming-loan-limit.

What is the median monthly cost of homeownership in Marblehead, Massachusetts?

According to the U.S. Census Bureau, the median monthly owner cost for mortgage holders in Marblehead, Massachusetts is approximately $3,079 per month. This includes the mortgage payment, property taxes, insurance, and utilities.

What are the median property taxes in Marblehead, Massachusetts?

The median annual property tax paid by homeowners with a mortgage in Marblehead, Massachusetts is $8,130 per year ($678 per month). Source: U.S. Census Bureau.

What is the median rent in Marblehead, Massachusetts?

The median gross rent in Marblehead, Massachusetts is $1,764 per month, including utilities. Source: U.S. Census Bureau.

What percentage of homeowners are cost burdened in Marblehead, Massachusetts?

26.9% of mortgage holders in Marblehead, Massachusetts spend more than 30% of their gross household income on housing costs -- the federal definition of cost burdened. 14.4% are severely cost burdened, spending 50% or more of their income on housing. The national average for owner cost burden is 28.0%. Source: U.S. Census Bureau.

What percentage of renters are cost burdened in Marblehead, Massachusetts?

44.4% of renters in Marblehead, Massachusetts spend more than 30% of their gross income on rent, compared to the national average of 47.6%. 27.1% are severely cost burdened at 50% or more. Source: U.S. Census Bureau.

What are the best Mortgage rates in Marblehead, Massachusetts?

  • Marblehead Bank: 5.99% (30-Year Fixed Rate Mortgage)
  • Institution for Savings: 4.99% (First-Time/Affordable Homebuyer Loan* 30 Year Fixed)
  • First Citizens Federal Credit Union: 5.00% (30-Year Fixed)
  • Florence Bank: 5.62% (Welcome Home - 30-Year Fixed Rate)
  • Savings Bank Wakefield, MA: 5.88% (30-Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to Massachusetts borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: June 16, 2026