PITTSFIELD Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Pittsfield averaged
6.76%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.89% and
one month ago for the week of 2025-05-15, the
average rate was 6.96%.
Pittsfield's average rate one year ago was 6.8%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Pittsfield 30 Year Fixed Rate | 2025-06-18 | 6.76% |
| Pittsfield 30 Year Fixed Rate Refi | 2025-06-18 | 6.91% |
| Pittsfield 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Pittsfield 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Pittsfield 30 Year FHA | 2025-06-18 | 0.4% |
| Pittsfield 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Pittsfield 30 Year USDA | 2025-06-18 | 0.2% |
| Pittsfield 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Pittsfield 30 Year VA | 2025-06-18 | 0.2% |
| Pittsfield 30 Year VA Refi | 2025-06-18 | -0.2% |
PITTSFIELD Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the PITTSFIELD, MA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
PITTSFIELD Average Closing Costs & Other Stats
PITTSFIELD, MA's 102 lenders originated 2,527
loans during 2024. The total origination value was $571,385,000, with an average loan value of
$226,112.
PITTSFIELD's average closing costs are $4,607.
The top PITTSFIELD lender as defined by loan originations is Adams Community Bank, with
231 loans originated. Their average total fees are
$3,427, which is $302
lower than the next largest lender,
GREYLOCK.
The lowest fee PITTSFIELD lenders (with over 10 loans originated) are
Adams Community Bank ($3,427), GREYLOCK ($3,729), MountainOne Bank ($4,706), Berkshire Bank ($5,170) and GUILD MORTGAGE COMPANY ($7,059).
The lowest rate PITTSFIELD lenders (with over 10 loans originated) are
MountainOne Bank (6.41%), Berkshire Bank (6.42%), Adams Community Bank (6.57%), GUILD MORTGAGE COMPANY (6.59%) and GREYLOCK (6.65%).
PITTSFIELD, MA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GREYLOCK | $128,350,000 | $126,435,000 | -1.5% | 22.1% |
| Adams Community Bank | $118,915,000 | $95,710,000 | -19.5% | 16.8% |
| Lee Bank | $48,460,000 | $41,675,000 | -14.0% | 7.3% |
| GUILD MORTGAGE COMPANY | $1,705,000 | $33,620,000 | 1,871.8% | 5.9% |
| Rockland Trust Company | $765,000 | $22,940,000 | 2,898.7% | 4.0% |
| QUICKEN LOANS, LLC | $12,855,000 | $18,550,000 | 44.3% | 3.2% |
| NBT Bank | $14,715,000 | $17,755,000 | 20.7% | 3.1% |
| Berkshire Bank | $24,135,000 | $16,920,000 | -29.9% | 3.0% |
| The Pittsfield Co-operative Bank | $18,620,000 | $14,075,000 | -24.4% | 2.5% |
| TD Bank | $8,725,000 | $11,995,000 | 37.5% | 2.1% |
| JPMorgan Chase Bank | $3,540,000 | $9,605,000 | 171.3% | 1.7% |
| Mortgage Research Center, LLC | $4,020,000 | $6,955,000 | 73.0% | 1.2% |
| Citizens Bank | $7,380,000 | $6,725,000 | -8.9% | 1.2% |
| GUARANTEED RATE, INC. | $5,220,000 | $4,775,000 | -8.5% | 0.8% |
| M&T Bank | $1,135,000 | $4,725,000 | 316.3% | 0.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,820,000 | $4,575,000 | 62.2% | 0.8% |
| MountainOne Bank | $12,100,000 | $4,255,000 | -64.8% | 0.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,860,000 | $3,980,000 | 39.2% | 0.7% |
| Bank of America | $4,985,000 | $3,975,000 | -20.3% | 0.7% |
| Pinnacle Bank | $3,925,000 | n/a | 0.7% | |
| UBS Bank USA | $535,000 | $3,690,000 | 589.7% | 0.6% |
| LENDINGHOME FUNDING CORPORATION | $2,850,000 | $3,525,000 | 23.7% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $860,000 | $3,285,000 | 282.0% | 0.6% |
| Morgan Stanley Private Bank | $625,000 | $3,250,000 | 420.0% | 0.6% |
| TOTAL MORTGAGE SERVICES, LLC | $2,275,000 | $3,210,000 | 41.1% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $2,440,000 | $3,170,000 | 29.9% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $440,000 | $3,080,000 | 600.0% | 0.5% |
| CMG MORTGAGE, INC. | $385,000 | $2,950,000 | 666.2% | 0.5% |
| Leader Bank | $545,000 | $2,535,000 | 365.1% | 0.4% |
| Citibank | $2,180,000 | $2,465,000 | 13.1% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $1,560,000 | $2,215,000 | 42.0% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,795,000 | $2,130,000 | 18.7% | 0.4% |
| Westfield Bank | $1,380,000 | $2,015,000 | 46.0% | 0.4% |
| Wells Fargo Bank | $2,475,000 | $1,945,000 | -21.4% | 0.3% |
| Goldman Sachs Bank USA | $1,940,000 | n/a | 0.3% | |
| HARBORONE MORTGAGE, LLC | $380,000 | $1,840,000 | 384.2% | 0.3% |
| USAA Federal Savings Bank | $620,000 | $1,715,000 | 176.6% | 0.3% |
| Greenfield Savings Bank | $90,000 | $1,710,000 | 1,800.0% | 0.3% |
| LOANDEPOT.COM, LLC | $2,925,000 | $1,665,000 | -43.1% | 0.3% |
| TrustCo Bank | $2,070,000 | $1,645,000 | -20.5% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,590,000 | $1,615,000 | 1.6% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,400,000 | $1,605,000 | 14.6% | 0.3% |
| The Cape Cod Five Cents Savings Bank | $225,000 | $1,505,000 | 568.9% | 0.3% |
| NEWREZ LLC | $1,740,000 | $1,495,000 | -14.1% | 0.3% |
| LIMA ONE CAPITAL, LLC | $1,480,000 | n/a | 0.3% | |
| SALEM FIVE MORTGAGE COMPANY, LLC | $660,000 | $1,415,000 | 114.4% | 0.2% |
| Stifel Bank and Trust | $1,375,000 | n/a | 0.2% | |
| Monson Savings Bank | $730,000 | $1,220,000 | 67.1% | 0.2% |
| Dedham Institution for Savings | $1,165,000 | n/a | 0.2% | |
| LONGBRIDGE FINANCIAL, LLC | $525,000 | $1,165,000 | 121.9% | 0.2% |
| MSA MORTGAGE, LLC | $1,110,000 | n/a | 0.2% | |
| Northwest Community Bank | $125,000 | $1,105,000 | 784.0% | 0.2% |
| Salem Five Cents Savings Bank | $725,000 | $1,105,000 | 52.4% | 0.2% |
| Webster Bank | $10,255,000 | $1,045,000 | -89.8% | 0.2% |
| Axos Bank | $975,000 | n/a | 0.2% | |
| Discover Bank | $920,000 | $975,000 | 6.0% | 0.2% |
| Eastern Bank | $920,000 | n/a | 0.2% | |
| MOVEMENT MORTGAGE, LLC | $3,390,000 | $865,000 | -74.5% | 0.2% |
| UNION HOME MORTGAGE CORP. | $860,000 | n/a | 0.2% | |
| Community Bank | $455,000 | $845,000 | 85.7% | 0.1% |
| Semper Home Loans, Inc. | $1,380,000 | $845,000 | -38.8% | 0.1% |
| EMBRACE HOME LOANS, INC. | $835,000 | n/a | 0.1% | |
| Logan Finance Corporation | $105,000 | $820,000 | 681.0% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $225,000 | $770,000 | 242.2% | 0.1% |
| PeoplesBank | $1,490,000 | $765,000 | -48.7% | 0.1% |
| DIGITAL Federal Credit Union | $620,000 | $740,000 | 19.4% | 0.1% |
| RADIUS FINANCIAL GROUP INC. | $245,000 | $720,000 | 193.9% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $300,000 | $710,000 | 136.7% | 0.1% |
| Easthampton Savings Bank | $1,710,000 | $705,000 | -58.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $400,000 | $695,000 | 73.8% | 0.1% |
| HOMESTEAD FUNDING CORP. | $185,000 | $680,000 | 267.6% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $675,000 | n/a | 0.1% | |
| GFA Federal Credit Union | $575,000 | $635,000 | 10.4% | 0.1% |
| FM Home Loans, LLC | $725,000 | $610,000 | -15.9% | 0.1% |
| City National Bank | $2,610,000 | $605,000 | -76.8% | 0.1% |
| Figure Lending LLC | $160,000 | $595,000 | 271.9% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $585,000 | n/a | 0.1% | |
| PNC Bank | $2,410,000 | $580,000 | -75.9% | 0.1% |
| Ally Bank | $575,000 | n/a | 0.1% | |
| Raymond James Bank | $2,935,000 | $550,000 | -81.3% | 0.1% |
| CENTRAL ONE FEDERAL CREDIT UNION | $545,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $525,000 | n/a | 0.1% | |
| Keystone Funding, Inc. | $525,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $925,000 | $525,000 | -43.2% | 0.1% |
| FIRST HOME MORTGAGE CORPORATION | $520,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $185,000 | $515,000 | 178.4% | 0.1% |
| Northpointe Bank | $255,000 | $515,000 | 102.0% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $175,000 | $510,000 | 191.4% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $230,000 | $510,000 | 121.7% | 0.1% |
| LEOMINSTER CREDIT UNION | $505,000 | n/a | 0.1% | |
| St. Mary's Credit Union | $505,000 | n/a | 0.1% | |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $495,000 | n/a | 0.1% | |
| Magnolia Bank | $490,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $475,000 | n/a | 0.1% | |
| NEW FED MORTGAGE, CORP. | $470,000 | n/a | 0.1% | |
| NFM, INC. | $460,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $445,000 | $450,000 | 1.1% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $345,000 | $450,000 | 30.4% | 0.1% |
| Cornerstone Bank | $445,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $440,000 | $445,000 | 1.1% | 0.1% |
| U.S. Bank | $440,000 | n/a | 0.1% | |
| Truist | $415,000 | $435,000 | 4.8% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $155,000 | $425,000 | 174.2% | 0.1% |
| Savers Co-operative Bank | $425,000 | n/a | 0.1% | |
| FOUNDATION MORTGAGE CORPORATION | $420,000 | n/a | 0.1% | |
| First National Bank | $415,000 | n/a | 0.1% | |
| AFFINITY | $405,000 | n/a | 0.1% | |
| HARVARD UNIVERSITY EMPLOYEES | $405,000 | n/a | 0.1% | |
| UMASSFIVE COLLEGE Federal Credit Union | $415,000 | $405,000 | -2.4% | 0.1% |
| A&D Mortgage LLC | $1,150,000 | $390,000 | -66.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $45,000 | $385,000 | 755.6% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $285,000 | $370,000 | 29.8% | 0.1% |
| Texana Bank | $355,000 | n/a | 0.1% | |
| Fidelity Co-operative Bank | $335,000 | n/a | 0.1% | |
| HARTFORD FUNDING, LTD. | $335,000 | n/a | 0.1% | |
| Liberty Bank | $195,000 | $335,000 | 71.8% | 0.1% |
| PLUS RELOCATION MORTGAGE, LLC | $335,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $225,000 | $325,000 | 44.4% | 0.1% |
| KeyBank | $990,000 | $305,000 | -69.2% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $3,150,000 | $305,000 | -90.3% | 0.1% |
| OCMBC, INC. | $155,000 | $305,000 | 96.8% | 0.1% |
| CITIZENS EQUITY FIRST | $295,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $2,015,000 | $290,000 | -85.6% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $275,000 | n/a | 0.0% | |
| FIRST WORLD MORTGAGE CORPORATION | $425,000 | $275,000 | -35.3% | 0.0% |
| NexBank | $265,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $235,000 | $255,000 | 8.5% | 0.0% |
| Cornerstone First Mortgage, Inc | $245,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $245,000 | n/a | 0.0% | |
| NBKC BANK | $445,000 | $245,000 | -44.9% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $235,000 | $235,000 | 0.0% | 0.0% |
| FIRST MORTGAGE COMPANY, INC. | $235,000 | $225,000 | -4.3% | 0.0% |
| PHH Mortgage Corporation | $450,000 | $225,000 | -50.0% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $225,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $135,000 | $215,000 | 59.3% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $215,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $210,000 | n/a | 0.0% | |
| Bank-Fund Staff Federal Credit Union | $105,000 | $205,000 | 95.2% | 0.0% |
| Beeline Loans, Inc. | $125,000 | $205,000 | 64.0% | 0.0% |
| DREW MORTGAGE ASSOCIATES, INC. | $205,000 | n/a | 0.0% | |
| EMM LOANS LLC | $730,000 | $205,000 | -71.9% | 0.0% |
| GREATER SPRINGFIELD CREDIT UNION | $165,000 | $205,000 | 24.2% | 0.0% |
| HarborOne Bank | $75,000 | $205,000 | 173.3% | 0.0% |
| Freedom Credit Union | $55,000 | $195,000 | 254.5% | 0.0% |
| Alden Credit Union | $185,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $320,000 | $185,000 | -42.2% | 0.0% |
| NORTHPOINT MORTGAGE, INC. | $395,000 | $185,000 | -53.2% | 0.0% |
| PAWTUCKET | $185,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $185,000 | n/a | 0.0% | |
| WESTERLY COMMUNITY | $85,000 | $180,000 | 111.8% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $165,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $155,000 | n/a | 0.0% | |
| Fall River Five Cents Savings Bank | $155,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $145,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $140,000 | n/a | 0.0% | |
| BayCoast Bank | $135,000 | n/a | 0.0% | |
| Cambridge Savings Bank | $195,000 | $135,000 | -30.8% | 0.0% |
| First National Bank of America | $135,000 | n/a | 0.0% | |
| NORTHERN MORTGAGE SERVICES, LLC | $135,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $105,000 | $135,000 | 28.6% | 0.0% |
| Bethpage Federal Credit Union | $305,000 | $125,000 | -59.0% | 0.0% |
| Greenfield Co-operative Bank | $125,000 | n/a | 0.0% | |
| HANSCOM | $265,000 | $120,000 | -54.7% | 0.0% |
| CHEVRON | $115,000 | n/a | 0.0% | |
| The Dutch Point Credit Union, Inc. | $105,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $105,000 | n/a | 0.0% | |
| GREENWOOD | $365,000 | $85,000 | -76.7% | 0.0% |
| Workers Credit Union | $255,000 | $55,000 | -78.4% | 0.0% |
| POLISH NATIONAL | $45,000 | n/a | 0.0% | |
| Farm Credit East, ACA | $405,000 | $35,000 | -91.4% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $15,000 | n/a | 0.0% |
PITTSFIELD's top lender by overall market share is GREYLOCK, with 22.1% market share. In second place, with 16.8%, is Adams Community Bank, having originated $95,710,000 in loans. In third place, with 7.3%, is Lee Bank, having originated $41,675,000 in loans. In fourth place, with 5.9%, is GUILD MORTGAGE COMPANY, having originated $33,620,000 in loans. In fifth place, with 4.0%, is Rockland Trust Company, having originated $22,940,000 in loans.
PITTSFIELD, MA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,323 | $397,485,000 | $300,442 |
| Home Improvement | 472 | $42,530,000 | $90,106 |
| Refi | 319 | $65,485,000 | $205,282 |
| Other | 245 | $30,925,000 | $126,224 |
| Cash Out Refi | 168 | $34,960,000 | $208,095 |
Pittsfield's most frequently cited loan purpose was Home Purchase, with 1,323 originations. The 2nd most popular reason was Home Improvement, with 472 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 977 | $308,775,000 | $316,044 |
| 7-8% | 610 | $83,900,000 | $137,541 |
| 5-6% | 391 | $77,975,000 | $199,425 |
| Over 8% | 212 | $29,110,000 | $137,311 |
| <2.5% | 69 | $1,895,000 | $27,464 |
| 3-4% | 30 | $3,640,000 | $121,333 |
| 4-5% | 25 | $5,845,000 | $233,800 |
| 2.5-3% | 6 | $660,000 | $110,000 |
During 2024, Pittsfield's most frequently originated rate bucket was 6-7%, with 977 originations.
Loan Sizing (PITTSFIELD, MA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 880 | $238,900,000 | $271,477 |
| $100,000 or less | 763 | $36,985,000 | $48,473 |
| $100k-200k | 620 | $91,300,000 | $147,258 |
| $400k-600k | 166 | $78,810,000 | $474,759 |
| $600k-1000k | 65 | $48,015,000 | $738,692 |
| $Over $1MM | 33 | $77,375,000 | $2,344,697 |
PITTSFIELD's loan sizing saw the bucket of loans from $200k-400k with 880 originations, totaling $238,900,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 640 | $214,530,000 | $335,203 |
| Under 20% | 543 | $26,805,000 | $49,365 |
| 60-80% | 476 | $158,540,000 | $333,067 |
| 20-40% | 377 | $44,795,000 | $118,820 |
| 40-60% | 261 | $60,915,000 | $233,391 |
| Over 100% | 14 | $4,240,000 | $302,857 |
PITTSFIELD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 640 originations, totaling $214,530,000 in origination value.