Home state: Massachusetts
    Lends in 2 states

    NESC mortgage rates

    NESC's lowest publicly advertised 30-year fixed rate today is 7.006% APR — the national average is 7.147%. That's about $13,678 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read NESC's rates every weekday, starting around 11 a.m. Central.

    We last read NESC's rates page on Nov 2, 2026.

    Today's rates from NESC

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.006%—Nov 2, 2026Visit
    20 Year Fixed6.75%6.753%—Nov 2, 2026Visit
    15 Year Fixed6.5%6.503%—Nov 2, 2026Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join NESC

    Membership is open to anyone who lives, works, worships, or attends school in Essex or Middlesex counties (MA) or Rockingham or Hillsborough counties (NH), or in any of the specific MA and NH cities and towns listed on NESC's eligibility page. Immediate family members of current members are also eligible.

    County
    Essex County, MA, Middlesex County, MA, Rockingham County, NH, Hillsborough County, NH
    City
    Amesbury, MA, Andover, MA, Billerica, MA, Boxford, MA, Burlington, MA, Byfield, MA, Chelmsford, MA, Dracut, MA, Georgetown, MA, Groveland, MA, Hathorne, MA, Haverhill, MA…

    Where NESC writes mortgages

    NESC publishes mortgage lending in 2 states.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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