WAINWRIGHT BANK & TRUST COMPANY
 

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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.
We look forward to serving your banking needs!

For a personalized rate quote, click here.

Fixed Rate Mortgages

Rates as of Thursday, September 2, 2010
Product Description Interest Rate Points Annual Percentage Rate Payment per $1,000 Apply
WB&T 30YR Fixed Portfolio Product, with 1 point
30 Year Portfolio Product   5.250% 1.000 5.426% $5.52
Payment does not include taxes and insurance. Your payment may be greater.
WB&T 30YR Fixed Portfolio Product
30 Year Portfolio Product   5.500% 0.000 5.586% $5.68
Payment does not include taxes and insurance. Your payment may be greater.
30 Year Fixed 1 Point
30 Year Conforming (1)   4.125% 1.000 4.290% $4.85
Max Loan $417,000. Not eligible for relationship discount. Payment does not include taxes and insurance. Your payment may be greater.
30 Year Fixed
30 Year Conforming (1)   4.375% 0.000 4.456% $4.99
Max Loan $417,000. Not eligible for relationship discount. Payment does not include taxes and insurance. Your payment may be greater.
15 Year Fixed, with 1 point
15 Year Conforming (1)   3.750% 1.000 4.039% $7.27
Max Loan $417,000. Not eligible for relationship discount. Payment does not include taxes and insurance. Your payment may be greater.
15 Year Fixed
15 Year Conforming (1)   3.875% 0.000 4.015% $7.33
Max Loan $417,000. Not eligible for relationship discount. Payment does not include taxes and insurance. Your payment may be greater.
20 Year Refinance Loan
20 Year Refinance   5.125% 0.000 5.125% $6.67
Payment does not include taxes and insurance. Your payment may be greater.
15 Year Refinance Loan
15 Year Refinance   4.750% 0.000 4.750% $7.78
Payment does not include taxes and insurance. Your payment may be greater.
10 Year Refinance Loan
10 Year Refinance   4.500% 0.000 4.500% $10.36
Payment does not include taxes and insurance. Your payment may be greater.

Rates as of Thursday, September 2, 2010
Product Description Interest Rate Points Annual Percentage Rate Payment per $1,000 Apply
Home Equity Loan
5 Year Equity   4.450% 0.000 4.450% $18.62
10 Year Equity   4.500% 0.000 4.500% $10.36
15 Year Equity   4.750% 0.000 4.750% $7.78
The maximum loan amount on equity loans is $417,000. Payment does not include insurance and taxes. Your payment may be greater.
 
 

Rates as of Thursday, September 2, 2010
Product Description Interest Rate Apply
Home Equity Lines of Credit
Interest Only Option   4.000%
2% Principal + Interest Option   4.000%
WSJ Prime Rate minus 1% for lines of $200,000 or more and WSJ Prime Rate minus .50% for lines under $200,000.
Subject to minimum APR of 4.00% and max APR of 18%. Requires Personal Relationship account and automatic deduction from a Wainwright Bank checking account.
For lines over $500,000 call for pricing. APR may change monthly.
For payment schedule on lines of credit or interest-only products, please contact our Residential and Consumer Lending Department at 617-478-4000.
 
Adjustable Rate Mortgages 

Rates as of Thursday, September 2, 2010
Product Description Interest Rate Points Fully Indexed Rate Annual Percentage Rate Payments Apply
7 Year ARM Jumbo
7 Year Jumbo   5.250% 0.000 4.125% 4.757% Show Payments and Rates
5 Year ARM Jumbo
5 Year Jumbo   4.250% 0.000 4.125% 4.250% Show Payments and Rates
3 Year ARM Jumbo
3 Year Jumbo   4.000% 0.000 4.125% 4.176% Show Payments and Rates
7 Year ARM Conventional
7 Year Conventional   5.000% 0.000 4.125% 4.632% Show Payments and Rates
Max Loan ($523,750)
5 Year ARM Conventional
5 Year Conventional   4.000% 0.000 4.125% 4.159% Show Payments and Rates
Max Loan ($523,750)
3 Year ARM Conventional
3 Year Conventional   3.750% 0.000 4.125% 4.118% Show Payments and Rates
Max Loan ($523,750)
Adjustable Rate Mortgages are tied to the 1YR LIBOR Index, plus a margin of 3.25%.
The rate and payment may increase after the initial fixed period.