Homebuyers in Berkshire County County who chose Adams Community Bank paid $949 less in closing costs than the county median.
County Median Costs
$4,430
−20.1% vs Massachusetts ($5,543)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$695
Purchase Originations
904
Denial Rate
6.1%
vs Massachusetts avg (4.9%)
vs Massachusetts Median
20.1% below
$-1,113
vs National Median
33.7% below
$-2,250
6 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,481 | 6.500% | $0 | 170 | −$642 | |
| 2 | $3,927 | 6.375% | $650 | 301 | −$196 | |
| 3 | $4,255 | 6.375% | $1,200 | 17 | +$132 | |
| 4 | $7,498 | 6.625% | $4,057 | 67 | +$3,375 | |
| 5 | $8,017 | 6.875% | $4,153 | 17 | +$3,894 |
Includes lenders with 10+ purchase originations in Berkshire County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Massachusetts → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.