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Mortgage Rates
Here are loan programs we offer. These programs are unique to Westfield Bank. To learn more about these programs and many others, call us at (413) 568-1911.



Unless otherwise noted, Annual Percentage Rates (APR) and payments assume a $100,000 mortgage, 20% down payment and 30 year term.



The APR on all Adjustable Rate Mortgages (ARM) may increase after closing. The interest rate may increase during the life of the loan which may result in a higher monthly payment.




ARM interest rates for owner occupied properties are based on a margin plus an index rounded to the nearest 1/8th of 1 percent. The margin is currently 3.50 percent. The index is the most recent monthly average yield on U.S. Treasury Securities adjusted to a constant maturity of 1, 3, or 5 years of the loan as published in the Federal Reserve’s statistical release H15.
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Program Name Rate Points APR Payment  
30 Year Fixed (Conforming) 4.875% 0.00% 4.970% $0.00
20 Year Fixed (Conforming) 4.625% 0.00% 4.753% $0.00
15 Year Fixed (Conforming) 4.375% 0.00% 4.537% $0.00
30 Year FTHB (Conforming) 4.750% 0.00% 4.845% $0.00
10/1 ARM FTHB (Conforming) 4.375% 0.00% 5.149% $0.00
5/1 ARM (Conforming) 3.875% 0.00% 5.398% $0.00
7/3 ARM (Conforming) 4.125% 0.00% 5.341% $0.00
10/1 ARM (Conforming) 4.500% 0.00% 5.227% $0.00
30 Year Const. (Conforming) 5.125% 0.00% 5.287% $0.00
7/3 ARM Const. (Conforming) 4.375% 0.00% 5.653% $0.00
10/1 ARM Const (Conforming) 4.750% 0.00% 5.449% $0.00
36M Land Loan (Conforming) 5.250% 0.50% 5.250% $0.00
3/3 ARM Invest (Conforming) 5.250% 0.50% 5.439% $0.00
5/5 ARM Invest (Conforming) 5.500% 0.50% 5.691% $0.00
7/1 ARM Invest (Conforming) 6.000% 0.50% 6.195% $0.00
20 Year Invest (Conforming) 6.500% 1.50% 6.500% $0.00
Rates are subject to change without notice.
Rates last updated on 12/07/2018.
Copyright © 2018 Westfield Bank
141 Elm Street, Westfield, MA 01085
(413)568-1911
NMLS 439933
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