Massachusetts · Q1 2026
What Massachusetts borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 440 lenders.
Published 2026-04-29.
Massachusetts · headline
The gap between Massachusetts's lowest- and highest-cost ranked lenders in 2025 was $4,446 on a typical loan — borrowers using United Wholesale Mortgage paid roughly 96% more than borrowers using JPMorgan Chase Bank, N.A. on similar loans.
Source: FFIEC HMDA 2025 (n=78,827)
In 2025, 440 mortgage lenders originated 78,827 reportable loans in Massachusetts according to FFIEC HMDA data. The median borrower paid $5,522 in total loan costs. That is 30.2% above the national median across all 50 states and DC.
Massachusetts's median total loan cost was $5,522, 30.2% above the national median of $4,242. On a typical loan, that translates to roughly $1,280 more than borrowers paid in the average state.
JPMorgan Chase Bank, N.A. posted the lowest median total loan costs at $4,645, 15.9% below the Massachusetts median. Across the ranked lenders, 12 earned an A grade against peer averages and 2 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Massachusetts are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $4,834 | $3,050 | 6,581 | A |
| 2 | Leader Bank, National Association | $4,874 | $1,499 | 3,946 | A |
| 3 | United Wholesale Mortgage | $9,091 | $3,085 | 3,927 | F |
| 4 | Guaranteed Rate | $5,555 | $1,640 | 3,753 | A |
| 5 | CrossCountry Mortgage | $5,764 | $1,690 | 3,437 | A |
| 6 | Guild Mortgage | $5,335 | $1,783 | 2,149 | A |
| 7 | CMG Financial | $5,808 | $1,920 | 2,082 | A |
| 8 | Fairway Independent Mortgage | $5,364 | $1,747 | 1,733 | A |
| 9 | loanDepot.com, LLC | $5,330 | $1,917 | 1,704 | A |
| 10 | Movement Mortgage | $5,451 | $1,745 | 1,344 | A |
Massachusetts median total loan cost
Massachusetts borrowers paid a median $5,522 in total loan costs in 2025, based on 78,827 HMDA-reported loans across 440 lenders.
FFIEC HMDA 2025
Lender spread in Massachusetts
In Massachusetts, the gap between JPMorgan Chase Bank, N.A. ($4,645 median) and United Wholesale Mortgage ($9,091 median) was $4,446 on a typical 2025 loan.
FFIEC HMDA 2025
Massachusetts vs. national
Massachusetts closing costs ran 30.2% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Massachusetts was $1,670, with the typical lender clustering tightly around that figure. Discount points appeared on 39% of loans, with a median paid amount of $2,439 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 35% of loans, with a median credit of $551.
Avg $3,848
Median $2,439 when present
Median $551 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Massachusetts) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Massachusetts
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