The Daily Rate Survey · Florence, Hampshire County
Florence Bank Mortgage Rates
Florence Bank publishes a 6.5% note rate in an ordinary zero-point 30-year fixed table entry (6.644% APR), effective October 28, 2026 and checked November 4, 2026, 0.740 percentage points below the 7.24% Freddie Mac national average for the week of October 29, 2026.
Product: Fixed Rate Mortgage Loans: 30-Year Fixed-Rate, 0 points. The lender marks this rate effective October 28, 2026. RE413 checked Florence Bank's ordinary mortgage table . “Ordinary” describes the table entry, not borrower eligibility. An advertised rate is not an offer or quote: the bank's own page controls. Loan amount, LTV, credit, occupancy, membership, property, underwriting, fees and points can change eligibility and total cost; request a written Loan Estimate for your circumstances.
Freddie Mac no longer publishes average fees or points with PMMS. The national comparison is a note-rate benchmark, not a like-for-like zero-point cost comparison, approval result or borrower-specific cheapest-lender ranking.
Verified Rate History
Every verified ordinary published table-entry snapshot retained for Florence Bank, against the Freddie Mac national average for its observation week. The local check date and lender effective date remain separate; unverified legacy readings are not plotted.
Florence Bank: advertised lender rate vs national average
Florence Bank advertisedFreddie Mac national
Florence Bank advertised6.5%Freddie Mac national7.24%Latest: PMMS week of 2026-10-29; lender page checked 2026-11-04. Touch or hover to read another week.
| National Week / Check | Rate | APR | Points (Fee) | Lender Effective | National |
|---|---|---|---|---|---|
| PMMS Week 2026-10-29Local Check 2026-11-04 | 6.5% | 6.644% | 0 | 2026-10-28 | 7.24% |
| PMMS Week 2026-10-08Local Check 2026-10-15 | 6.5% | 6.644% | 0 | 2026-10-06 | 7.4% |
| PMMS Week 2026-10-01Local Check 2026-10-08 | 6.5% | 6.644% | 0 | 2026-10-06 | 7.28% |
| PMMS Week 2026-09-24Local Check 2026-10-01 | 6.5% | 6.644% | 0 | 2026-09-25 | 7.03% |
| PMMS Week 2026-09-17Local Check 2026-09-19 | 6.25% | 6.391% | 0 | 2026-07-31 | 6.95% |
| PMMS Week 2026-09-10Local Check 2026-09-11 | 6.25% | 6.391% | 0 | 2026-07-31 | 6.76% |
| PMMS Week 2026-09-03Local Check 2026-09-04 | 6.25% | 6.391% | 0 | 2026-07-31 | 6.71% |
| PMMS Week 2026-08-27Local Check 2026-09-04 | 6.25% | 6.391% | 0 | 2026-07-31 | 6.66% |
Every bank's readings together, and the whole archive as a CSV, are on the week by week record.
The Other Lenders in the Survey
- Florence Bank, 6.5% (this page)
- Greenfield Co-operative Bank, 7.125%
- Pittsfield Cooperative Bank, 6.375%
- Polish National Credit Union, 7%
All 4 verified lenders side by side, with their retained snapshots, are on the rate survey. This alphabetical list is not a cheapest-lender ranking; eligibility, APR and total cost depend on your full application. To test a note rate in a monthly-payment illustration with your town's property tax, use the cost of ownership calculator.
Sources
- Florence Bank's own published rate page. The ordinary published zero-point 30-year fixed purchase table entry effective 2026-10-28, checked 2026-11-04. Checked 2026-11-04.
- Freddie Mac Primary Mortgage Market Survey, via the Federal Reserve Bank of St. Louis. The national average 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.