WAINWRIGHT BANK & TRUST COMPANY
 

Welcome to Wainwright Bank, once you've determined which loan is best for your particular needs and situation, you can conveniently and securely apply online.
Simply click the "Apply" button to the right of the Product Description below and follow the prompts on the page.
If you have any questions, please contact our Residential and Consumer Lending Department during regular business hours (Monday through Friday 8:30AM to 5:00PM) at 617-478-4000 or via email at consumerloans@wainwrightbank.com.
We look forward to serving your banking needs!
Try our new "Find A Rate" feature and we will locate the closest online applications available, just by answering a few simple questions.
If you are looking for a loan over $417,000 you will need to select one of our Jumbo loan pricing products below.

Fixed Rate Mortgages:

Rates as of Wednesday, November 19, 2008
Product Description Points Interest Rate APR Payment per $1,000 Payments Apply
WB&T 30YR Fixed Portfolio Product, with 2 points
30 Year Portfolio Product   2.000 6.125% 6.462% $6.08 Show Payments
WB&T 30YR Fixed Portfolio Product, with 1 point
30 Year Portfolio Product   1.000 6.375% 6.617% $6.24 Show Payments
WB&T 30YR Fixed Portfolio Product
30 Year Portfolio Product   0.000 6.625% 6.771% $6.40 Show Payments
30 Year Fixed, with 2 points
30 Year Conforming   2.000 5.625% 5.800% $5.76 Show Payments
30 Year Fixed 1 Point
30 Year Conforming   1.000 5.875% 6.110% $5.92 Show Payments
30 Year Fixed
30 Year Conforming   0.000 6.125% 6.267% $6.08 Show Payments
20 Year Fixed, with 2 points
20 Year Conforming   2.000 5.625% 5.984% $6.95 Show Payments
20 Year Fixed, with 1 point
20 Year Conforming   1.000 5.875% 6.197% $7.09 Show Payments
20 Year Fixed
20 Year Conforming   0.000 6.125% 6.298% $7.24 Show Payments
15 Year Fixed, with 2 points
15 Year Conforming   2.000 5.375% 5.934% $8.10 Show Payments
15 Year Fixed, with 1 point
15 Year Conforming   1.000 5.625% 5.954% $8.24 Show Payments
15 Year Fixed
15 Year Conforming   0.000 5.875% 6.116% $8.37 Show Payments
10 Year Fixed
10 Year Conventional   0.000 6.000% 6.279% $11.10 Show Payments
20 Year Refinance Loan
20 Year Refinance   0.000 6.375% 6.375% $7.38 Show Payments
15 Year Refinance Loan
15 Year Refinance   0.000 6.125% 6.125% $8.51 Show Payments
10 Year Refinance Loan
10 Year Refinance   0.000 5.875% 5.875% $11.04 Show Payments
 
Adjustable Rate Mortgages:

Rates as of Wednesday, November 19, 2008
Product Description Points Interest Rate APR Payment per $1,000 Payments Apply
7 Year ARM Jumbo
7 Year Jumbo   0.000 6.625% 5.411% $6.40 Show Payments
5 Year ARM Jumbo
5 Year Jumbo   0.000 5.875% 4.970% $5.92 Show Payments
3 Year ARM Jumbo
3 Year Jumbo   0.000 5.375% 4.640% $5.60 Show Payments
7 Year ARM Conventional
7 Year Conventional   0.000 6.500% 5.588% $6.32 Show Payments
5 Year ARM Conventional
5 Year Conventional   0.000 5.625% 4.976% $5.76 Show Payments
3 Year ARM Conventional
3 Year Conventional   0.000 5.125% 4.680% $5.44 Show Payments
Interest-only Variable Rate Loan Jumbo
Interest-Only Jumbo   0.000 6.375% 5.095% $5.31 Show Payments
Adjustable Rate Mortgages are tied to the 1YR Treasury Index, plus a margin of 3.25%.

 Home Equity Loans and Lines of Credit:

Rates as of Wednesday, November 19, 2008
Product Description Points Interest Rate APR Payment per $1,000 Payments Apply
15YR Home Equity Loan
15 Year Equity   0.000 6.125% 6.125% $8.51 Show Payments
10 YR Home Equity Loan
10 Year Equity   0.000 5.875% 5.875% $11.04 Show Payments
5YR Home Equity Loan
5 Year Equity   0.000 5.825% 5.825% $19.25 Show Payments
Equity Line of Credit (2% Principal Plus Interest Payment Option)
2% Principal + Interest Option   0.000 4.000% 4.000% $7.40 Show Payments
Equity Line of Credit (Interest Only)
Interest Only Option   0.000 4.000% 4.000% $3.33 Show Payments
The maximum loan amount on equity loans is $417,000 and $499,000 for equity lines.

1-4 family owner occupied residences only; property insurance required; flood insurance may be required. APR calculated on 80% loan to value for a $100,000 loan. Prepayment penalty may apply. The payment can adjust after the initial fixed period on adjustable rate loans.
Please note: Our lending area for loans and mortgages is primarily Eastern Massachusetts.
Rates include automatic deduction of your monthly payment from a Wainwright Bank checking account. The rates listed above are for direct lending only; rates may vary for third party originators or brokers.
Rates, Terms and Fees subject to change without notice.
 

Wainwright Bank & Trust Company, 63 Franklin Street, Boston, MA 02110-1301
617-478-4000 or 1-888-428-BANK

Equal Housing Lender
Equal Housing Lender

The SUM Program is administered by and a registered service mark of the NYCE Corporation.