The Daily Rate Survey
Published Local Mortgage Rates in Western Mass
Checked November 4, 2026, 4 western Massachusetts banks and credit unions publish note rates from 6.375% to 7.125% in their ordinary zero-point 30-year fixed table entries, against a 7.24% Freddie Mac national average for the week of October 29, 2026. Pittsfield Cooperative Bank has the lowest displayed note-rate entry; this is not a borrower-specific cheapest-lender result.
LATESTLocal Lender Pages Checked · Coverage: 4 Local Lenders Verified · Freddie Mac national average for the week of October 29, 2026 is 7.24%
This Week's Published Rate-Table Entries
| Lender | Rate | APR | Points (Fee) | Against National (pp) |
|---|---|---|---|---|
| Pittsfield Cooperative Bank | 6.375% | 6.461% | 0 | −0.865 pp |
| FIXED RATE MORTGAGE: 30 Year Fixed, 0 points · effective Nov 1 · checked Nov 4 · source | ||||
| Florence Bank | 6.500% | 6.644% | 0 | −0.740 pp |
| Fixed Rate Mortgage Loans: 30-Year Fixed-Rate, 0 points · effective Oct 28 · checked Nov 4 · source | ||||
| Polish National Credit Union | 7.000% | 7.206% | 0 | −0.240 pp |
| Fixed Rate: 30 Years, 0 points · effective Oct 26 · checked Nov 4 · source | ||||
| Greenfield Co-operative Bank | 7.125% | 7.246% | 0 | −0.115 pp |
| Fixed Mortgage Rates: 30 years / 360 months, 0 points · effective Nov 4 · checked Nov 4 · source | ||||
Methodology and Limitations
These are ordinary published 30-year fixed purchase rate-table entries at zero discount points; “ordinary” describes where the row appears, not who qualifies. Special, first-time-buyer and occupation-based programs are excluded, but every displayed entry can still carry conditions. Rows are sorted by displayed note rate for scanning, not as a borrower-specific cheapest-lender ranking or recommendation. Advertised rates are not offers or quotes: loan amount, LTV, credit, occupancy, membership, property, underwriting, fees and points differ, and each lender's own page and a written Loan Estimate control.
“Points (Fee)” is discount points paid up front; every compared row here is the zero-point option. “Against National” is a difference in percentage points. “Lender rate effective” is the date printed with the bank's table; “checked” is when RE413 verified it. If any required lender cannot be verified, the automated refresh fails and no older rate is presented as new. Freddie Mac no longer publishes average fees or points with PMMS, so “Against National” compares note rates only; it is not a like-for-like zero-point cost comparison. Loan amount, LTV, credit, occupancy, membership, property, underwriting, fees and points can change eligibility and total cost; the order shown is not a cheapest-lender result for you. See the verified week-by-week archive for every retained observation and the downloadable CSV.
How the Published Note Rates Compare With National
In this verified snapshot all of them do. The largest displayed note-rate difference is Pittsfield Cooperative Bank, publishing 6.375% against a national average of 7.24%, a displayed difference of 0.865 percentage points. This describes the published note-rate endpoints only; it does not say which lender would approve a borrower or produce the lowest APR, cash to close or total cost.
Freddie Mac's figure is a national survey average for the week of October 29, 2026. The local rows are lender advertisements checked November 4, 2026. This is a useful note-rate benchmark, not a simultaneous or like-for-like cost comparison; Freddie Mac does not publish the national average's fees or points. Loan amount, LTV, credit, occupancy, membership, property, underwriting, fees and points differ. Neither figure is an offer, and neither the comparison nor its rate order is a borrower-specific lender ranking.
Local Against National, Week by Week
Verified ordinary published table-entry snapshots against the Freddie Mac national average. Only observations that retain the lender product, effective date, local check date and PMMS week enter this line.
The local line moves only when a bank on this list changes its rate. Adding a bank to the survey, or losing one, does not move it: each week's change is measured across the banks that appear in that week and the week before it, so the line answers "did rates move" rather than "did the list change". Every figure behind it is on the week by week record, which also downloads as a CSV.
Legacy snapshots through August 31, 2026 were removed from this line because they could not be verified; the reason is recorded on the history page.
Local Advertised Rates and the National Average
Local, same banksNational average
+0.31 pointschange in local advertised rates since the week of August 27, 2026. Tap or hover to read any week.
Every Lender in the Survey
Each currently verified lender has its own page: the exact ordinary published rate-table entry, what it displays now, the dates behind that rate and every verified snapshot retained in the archive.
What This Costs You, Town by Town
A rate is only half the monthly payment. The other half is the town's property tax, which varies more across these 101 towns than any lender's rate does. Put a price and a town into the cost of ownership calculator and it uses the Freddie Mac national average for the week of October 29, 2026 and the town's real tax rate, or read the tax bill on one price in all 101 towns.
Sources
- Ordinary published zero-point 30-year fixed purchase rate-table entries verified against each lender's page (4 lenders). Each product, advertised rate, APR, lender effective date and RE413 check date. Checked 2026-11-04.
- Freddie Mac Primary Mortgage Market Survey, via the Federal Reserve Bank of St. Louis. The national average 30-year fixed rate for the week of 2026-10-29. Checked 2026-10-29.
"Figures through" is the period the publisher's data describes; "checked" is only when we last asked. The full sourcing: sources and method.