Massachusetts · dataset refreshed October 5, 2026

Refinance rates

Compare refinance observations without disguising purchase pricing as a lender-quoted refinance rate. 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

221rankable observations

30lenders 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.

Product & termTick one or more terms to compare them side by side — or keep Best pricing overall to see every term together.

Best pricing overall 30-year fixed

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

RefinanceHome-lending rates only · dataset refreshed October 5, 2026

Lender & product	Rate	APR	Points	Verified
Cape Ann Savings Bank30-year fixed refinanceRefinanceMA 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	5.5%	—	Not listed	2026-10-05	Source ↗
Country Bank for Savings30-year fixed refinanceRefinanceMA 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	5.5%	—	Not listed	2026-10-05	Source ↗
Pittsfield Cooperative Bank30-year fixed refinanceRefinanceMA 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 1, 2026	5.5%	—	Not listed	2026-10-05	Source ↗
Westport Federal Credit Union30-year fixed refinanceRefinanceMA 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	5.5%	—	Not listed	2026-10-05	Source ↗
AmeriSave Mortgage30-year fixed refinanceRefinanceNationalLenderhigh 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 30, 2026	5.53%	—	Not listed	2026-10-05	Source ↗
New American Funding30-year fixed refinanceRefinanceNationalLenderhigh 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 30, 2026	5.53%	—	Not listed	2026-10-05	Source ↗
Westport Federal Credit Union30-year fixed refinanceRefinanceMA 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	5.59%	—	Not listed	2026-10-05	Source ↗
Align Credit Union30-year fixed refinanceRefinanceMA 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: 9/30/2026	5.625%	—	Not listed	2026-10-05	Source ↗
Greenfield Cooperative Bank30-year fixed refinanceRefinanceMA 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: 9/30/2026	5.625%	—	Not listed	2026-10-05	Source ↗
Methuen Co-operative Bank30-year fixed refinanceRefinanceMA 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	5.625%	—	Not listed	2026-10-05	Source ↗
New Bedford Credit Union30-year fixed refinanceRefinanceMA 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: September 17, 2026	5.625%	—	0	2026-10-05	Source ↗
AmeriSave Mortgage30-year fixed refinanceRefinanceNationalLenderhigh 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 30, 2026	5.7%	—	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.

RefinanceHome-lending rates only · dataset refreshed October 5, 2026

Lender & product	Rate	APR	Verified
Wrentham Co-operative Bank30-year fixed refinanceRefinanceMA local	Rate not published	5.5%	2026-10-05	Source ↗
Bay State Savings Bank30-year fixed refinanceRefinanceMA local	Rate not published	5.625%	2026-10-05	Source ↗
Lowell Five Bank30-year fixed refinanceRefinanceMA local	Rate not published	5.75%	2026-10-05	Source ↗
Reading Cooperative Bank30-year fixed refinanceRefinanceMA local	Rate not published	5.75%	2026-09-30	Source ↗
Reading Cooperative Bank30-year fixed refinanceRefinanceMA local	Rate not published	5.829%	2026-09-30	Source ↗
Bay State Savings Bank30-year fixed refinanceRefinanceMA local	Rate not published	5.875%	2026-10-05	Source ↗
Align Credit Union30-year fixed refinanceRefinanceMA local	Rate not published	6%	2026-10-05	Source ↗
Mass Bay Credit Union30-year fixed refinanceRefinanceMA local	Rate not published	6%	2026-10-05	Source ↗

Refinance clarity: rows copied from purchase tables are labeled “purchase-table assumption — not genuine refinance pricing.” They are never represented as lender-quoted refinance offers.

Common questions

What are 30-year refinance rates in Massachusetts today?

Among 221 verified 30-year fixed refinance observations for Massachusetts borrowers in our October 5, 2026 snapshot, advertised rates started at 5.50%. We flag 5 of them as purchase-table assumptions — priced from a purchase table rather than a dedicated refinance table — so they aren’t mistaken for lender-quoted refinance offers.

When does refinancing a mortgage make sense?

Whether refinancing pays depends on your current rate, remaining balance, term length, closing costs, and how long you’ll keep the loan. LoanMate shows advertised rates but not personalized quotes. Use the refinance break-even calculator, then confirm actual pricing and fees with the lender before deciding.

What is a purchase-table assumption?

A purchase-table assumption is a rate a lender publishes only in a purchase table that we still show for refinance comparison. It is labeled clearly and never represented as a lender-quoted refinance rate — because the lender never actually quoted it as one. We keep the two separate so shoppers aren’t misled.

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.