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Mortgage Rates

Our mortgage rates appear below. Have questions? Give us a call or stop by a branch.

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Conforming Fixed-Rate Mortgage Rates

For a Primary Residence, owner-occupied, one- to four- family home.

Assumes 25% Down Payment1
Please inquire about interest rates for second homes.

Maximum Loan Amounts:

1-Family: $806,500
2-Family: $1,032,650
3-Family: $1,248,150
4-Family: $1,551,250

APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.

Loan TermInterest Rates 1PointsAPR3Monthly Payment/$1,000
Loan Term 15 YearsInterest Rates 1 5.750%Points 0.0APR3 6.084%Monthly Payment/$1,000 180 monthly payments of $8.30
Loan Term 15 Years w/ automatic deductionInterest Rates [superscript]1 5.625%Points 0.0APR3 5.958%Monthly Payment/$1,000 180 monthly payments of $8.24
Loan Term 20 YearsInterest Rates 1 6.375%Points 0.0APR3 6.6.46%Monthly Payment/$1,000 240 monthly payments of $7.38
Loan Term 20 Years w/ automatic deductionInterest Rates [superscript]1 6.250%Points 0.0APR3 6.520%Monthly Payment/$1,000 240 monthly payments of $7.31
Loan Term 30 YearsInterest Rates 1 6.500%Points 0.0APR3 6.707%Monthly Payment/$1,000 360 monthly payments of $6.32
Loan Term 30 Years w/ automatic deductionInterest Rates [superscript]1 6.375%Points 0.0APR3 6.581%Monthly Payment/$1,000 360 monthly payments of $6.24

Marblehead Bank NMLS# 417751

1All advertised rates are subject to underwriting approval. Not all applicants will be approved. A minimum credit score requirement and a maximum loan-to-value restriction apply. Your rate offer may vary.

2A .125% discount is available when loan payment is automatically deducted from a Marblehead Bank checking or statement savings account.

Monthly mortgage payments do not include amounts for real estate taxes and insurance premiums. The actual payment obligation will be greater. Property Insurance required. Subject to credit approval.

Jumbo Fixed-Rate Mortgage Rates

For a Primary Residence, owner-occupied, one- to four- family home.

Assumes 25% Down Payment1
Please inquire about interest rates for second homes.

APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.

Loan TermInterest Rate1PointsAPRMonthly Payment / $1,000
Loan Term 15 YearsInterest Rate1 5.750%Points 0.0APR 6.084%Monthly Payment / $1,000 180 monthly payments of $8.30
Loan Term 15 Years w/ Automatic Deduction1Interest Rate1 5.625%Points 0.0APR 5.958%Monthly Payment / $1,000 180 monthly payments of $8.24
Loan Term 30 YearsInterest Rate1 6.5%Points 0.0APR 6.707%Monthly Payment / $1,000 360 monthly payments of $6.32
Loan Term 30 Years w/ Automatic Deduction1Interest Rate1 6.375%Points 0.0APR 6.581%Monthly Payment / $1,000 360 monthly payments of $6.24

Marblehead Bank NMLS# 417751

1All advertised rates are subject to underwriting approval. Not all applicants will be approved. Minimum credit score requirement and maximum loan-to-value restrictions apply. Your rate offer may vary.

2.125% discount available when loan payment is automatically deducted from Marblehead Bank checking or statement savings account.

Monthly mortgage payments do not include amounts for real estate taxes and insurance premiums. Actual payment obligation will be greater. Property insurance required. Subject to credit approval.

Adjustable-Rate Mortgage Rates

For a Primary Residence, owner-occupied, one- to four- family home.Assumes a 20% Down Payment Please inquire about interest rates for second homes.

Maximum Loan Amounts:
1-Family: $806,500
2-Family: $1,032,650
3-Family: $1,248,150
4-Family: $1,551,250

APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.

Loan TermInterest Rate1PointsAPRMonthly Payment / $1,000
Loan Term 5/1 yr3Interest Rate1 6.375%Points 0.0APR 6.885%Monthly Payment / $1,000 $6.24
Loan Term 7/1 yr4Interest Rate1 6.500%Points 0.0APR 6.890%Monthly Payment / $1,000 $6.33

Marblehead Bank NMLS# 417751

2025 Adjustable-Rate Early Disclosure Statement

1Initial interest rate is not based on the Index used to make later adjustments. Beginning with the first change date, interest rate will be indexed to weekly U.S. Treasury Securities one-year constant maturity plus a margin of 2.75%. Example: current index = 4.12 + 2.75% = 6.87%

2Annual Percentage Rate (APR) may increase after consummation of loan.

35/1 adjustable-rate program features interest rate discount – 60 monthly payments of $6.24 per $1,000 at 6.375%, followed by 300 monthly payments of $6.54 per $1,000 at 6.885% APR.

47/1 adjustable-rate program features interest rate discount – 84 monthly payments of $6.33 per $1,000 at 6.500%, followed by 276 monthly payments of $6.54 per $1,000 borrowed at 6.890% APR.

Monthly mortgage payments do not include amounts for real estate taxes and insurance premiums. Actual payment obligation will be greater. Property insurance required. Subject to credit approval.