Mortgage Rates New York (NY) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in New York. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in New York as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Northfield BankNorthfield Bank1 Hyatt St, Brooklyn, NY, 10301A+5.0 ★Texas Ratio: 1.88% at 5.25%, Dime Community BankDime Community Bank1 Huntington Quadrangle, Astoria, NY, 10016A+5.0 ★Texas Ratio: 1.70% at 5.50%, Trouvaille Federal Credit UnionTrouvaille Federal Credit Union110 John Muir Dr, Amherst, NY, 14228 1148A+5.0 ★Texas Ratio: 5.39% at 5.69%, TrustCo BankTrustCo Bank1 Johnson Rd, Airmont, NY, 10510A+5.0 ★Texas Ratio: 3.16% at 5.75%, and First Heritage Federal Credit UnionFirst Heritage Federal Credit Union11 Steuben St, Addison, NY, 14801A+5.0 ★Texas Ratio: 2.30% at 5.62%.
Mortgage rates in New York (NY) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to New York borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
New York Mortgage Rate Trends
Compare local New York mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — NY Avg
6.130%
▲ 0.045 from last week
For buyers in New York, the broader New York 30-year fixed average mortgage rate rose 0.045 points this week to 6.130%, according to MonitorBankRates trend data.
15-Year Fixed — NY Avg
5.965%
▼ 1.806 from last week
For buyers in New York, the broader New York 15-year fixed average mortgage rate fell 1.806 points this week to 5.965%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in New York
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1 Hyatt St, Brooklyn, NY, 10301
30 Year Fixed Rate Affordable Mortgage
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1 Hyatt St, Brooklyn, NY, 10301
30 Year Fixed Rate Affordable Mortgage
5.25%
5.30%
▼
Rate5.25%
APR5.30%
Points0.000
UpdatedMar 13, 2026
Details
Quoted rates include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income.
Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
1 Huntington Quadrangle, Astoria, NY, 10016
30 Year Fixed - Affordable Housing Program3
5.50%
5.59%
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY, 14228 1148
30 Year Mortgage
30
5.69%
5.75%
▼
Rate5.69%
APR5.75%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1 Johnson Rd, Airmont, NY, 10510
30 Year Mortgages
5.75%
5.81%
▼
Rate5.75%
APR5.81%
Points0.000
UpdatedMar 15, 2026
Details
Purchase
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1 Johnson Rd, Airmont, NY, 10510
30 Year Mortgages Purchase
5.75%
5.81%
▼
Rate5.75%
APR5.81%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11 Steuben St, Addison, NY, 14801
30 Year Fixed
30 Year
5.62%
5.84%
▼
Rate5.62%
APR5.84%
Points2.000
UpdatedMar 18, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11 Steuben St, Addison, NY, 14801
30 Year Fixed
30 Year
5.75%
5.88%
▼
Rate5.75%
APR5.88%
Points1.000
UpdatedMar 18, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
30 Year Fixed - Conforming
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Spring Valley, NY, 10701
30 Year Fixed Mortgage
359
5.88%
5.91%
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11 Steuben St, Addison, NY, 14801
30 Year Fixed
30 Year
5.88%
5.91%
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY, 11010
30 Year Fixed
5.75%
5.92%
▼
Rate5.75%
APR5.92%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1 Hyatt St, Brooklyn, NY, 10301
30 Year Fixed Rate
5.88%
5.93%
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
100 Nicolls Rd, Bellmore, NY, 11214
30 Year Fixed Rate
5.88%
5.94%
▼
Rate5.88%
APR5.94%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
1 Huntington Quadrangle, Astoria, NY, 10016
30 Year Fixed
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1 Hawk Dr Bldg SUNY Adminstration, Central Valley, NY, 10917
Fixed Rate 30 Year Mortgage
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMar 16, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
30-Year Fixed Mortgage
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
219 County Route 57, Baldwinsville, NY, 13027
30-Year Fixed
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY, 10566 2801
30 Year Fixed Rate
6.00%
6.01%
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY, 10566 2801
30 Year Fixed Rate Mortgage Refinance
30
6.00%
6.01%
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
20 E 179th St, Bronx, NY, 10453 4770
30 Year Fixed (HomeReady®)*
6.00%
6.03%
▼
Rate6.00%
APR6.03%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Sawyer Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
100 Woodland Pond Cir, Highland, NY, 12477
30-Year Fixed Rate Mortgage
30 Years
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY, 10547
USDA 30 Year Fixed
5.62%
6.05%
▼
Rate5.62%
APR6.05%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY, 10566 2801
Biweekly 30 Year Fixed
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1 Twin Maples Plaza Route 9 W, Gardiner, NY, 12401
30 Year Fixed
5.88%
6.11%
▼
Rate5.88%
APR6.11%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Hyde Park, NY, 10941
30 Year Fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.625
UpdatedMar 15, 2026
Details
No additional details available.
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1400 Hylan Blvd, Brooklyn, NY, 10305
30 Year Fixed Rate
360
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.000
UpdatedMar 20, 2026
Details
APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY, 10547
Conventional 30-Year Fixed
5.99%
6.13%
▼
Rate5.99%
APR6.13%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
30 Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details
As Low As
Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
13 Croton Ave, New York, NY, 10017
30 Year Fixed
30
6.12%
6.17%
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
108 2nd Ave, Astoria, NY, 10003 8302
30-Year Fixed
6.12%
6.17%
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1445 Portland Ave, Rochester, NY, 14608
30 Year Fixed
30
6.00%
6.18%
▼
Rate6.00%
APR6.18%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1 Montauk Hwy, Astoria, NY, 10022
30 Year Fixed
6.12%
6.19%
▼
Rate6.12%
APR6.19%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
12 Main St, Highland Falls, NY, 10928
30 Year Fixed Conforming*
30 Years
6.12%
6.20%
▼
Rate6.12%
APR6.20%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
13534 Roosevelt Ave, Brooklyn, NY, 10013
30-year fixed mortgage
6.22%
6.22%
▼
Rate6.22%
APR6.22%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Van Rensselaer Sq, Albany, NY, 12009 9900
30-year Fixed
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Van Rensselaer Sq, Albany, NY, 12009 9900
Mortgage 30-Year Fixed
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1 Twin Maples Plaza Route 9 W, Gardiner, NY, 12401
30 Year Fixed
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
1 Research Circle Commons 2a7, Clifton Park, NY, 12065
30 Year Fixed Rate
6.12%
6.30%
▼
Rate6.12%
APR6.30%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1 Ballston Ave, Albany, NY, 10001
30-Year Fixed Rate
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.500
UpdatedMar 18, 2026
Details
No additional details available.
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY, 10547
Construction Draw Loan - 30 Year Fixed
6.25%
6.36%
▼
Rate6.25%
APR6.36%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1020 Port Washington Boulevard, Ardsley, NY, 10001
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Binghamton, NY, 13748
30 Year Fixed Rate
6.38%
6.41%
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
455 Beach 129th St, Belle Harbor, NY, 10462
30 Year Fixed-Rate Buydowns
30 Years
6.12%
6.42%
▼
Rate6.12%
APR6.42%
Points2.000
UpdatedMar 18, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
11 E Houston St, Amherst, NY, 10001
30 Year Fixed Rate
6.38%
6.44%
▼
Rate6.38%
APR6.44%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1 Ballston Ave, Albany, NY, 10001
30-Year Fixed Rate
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
11 E Houston St, Amherst, NY, 10001
30 Year Fixed Rate
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
11 E Houston St, Amherst, NY, 10001
30 Year Fixed Rate
30 Year
6.54%
6.59%
▼
Rate6.54%
APR6.59%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY, 10547
2nd Home 30 Year Fixed
6.38%
6.64%
▼
Rate6.38%
APR6.64%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Spring Valley, NY, 10701
15 Year Fixed Mortgage
179
5.25%
5.31%
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY, 10566 2801
15 Year Fixed Rate
5.38%
5.33%
▼
Rate5.38%
APR5.33%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY, 10566 2801
15 Year Fixed Rate Mortgage Refinance
15
5.38%
5.33%
▼
Rate5.38%
APR5.33%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
15-Year Fixed Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1 Hyatt St, Brooklyn, NY, 10301
15 Year Fixed Rate
5.38%
5.47%
▼
Rate5.38%
APR5.47%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
15 Year Fixed - Conforming
5.25%
5.51%
▼
Rate5.25%
APR5.51%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11 Steuben St, Addison, NY, 14801
15 Year Fixed
15 Year
5.50%
5.56%
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1 Montauk Hwy, Astoria, NY, 10022
15 Year Fixed
5.49%
5.59%
▼
Rate5.49%
APR5.59%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11 Steuben St, Addison, NY, 14801
15 Year Fixed
15 Year
5.38%
5.59%
▼
Rate5.38%
APR5.59%
Points1.000
UpdatedMar 18, 2026
Details
No additional details available.
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
100 Nicolls Rd, Bellmore, NY, 11214
15 Year Fixed Rate
5.50%
5.62%
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11 Steuben St, Addison, NY, 14801
15 Year Fixed
15 Year
5.25%
5.62%
▼
Rate5.25%
APR5.62%
Points2.000
UpdatedMar 18, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
15 Year Fixed
15
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details
As Low As
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1400 Hylan Blvd, Brooklyn, NY, 10305
15 Year Fixed Rate
180
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.000
UpdatedMar 20, 2026
Details
APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
13 Croton Ave, New York, NY, 10017
15 Year Fixed
15
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
219 County Route 57, Baldwinsville, NY, 13027
15-Year Fixed
5.50%
5.71%
▼
Rate5.50%
APR5.71%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY, 10566 2801
Biweekly 15 Year Fixed
5.75%
5.72%
▼
Rate5.75%
APR5.72%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Van Rensselaer Sq, Albany, NY, 12009 9900
15-year Fixed
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
11 E Houston St, Amherst, NY, 10001
15 Year Fixed Rate
5.62%
5.72%
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1020 Port Washington Boulevard, Ardsley, NY, 10001
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1 Ballston Ave, Albany, NY, 10001
15-Year Fixed Rate
5.62%
5.76%
▼
Rate5.62%
APR5.76%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1 Ballston Ave, Albany, NY, 10001
15-Year Fixed Rate
5.62%
5.77%
▼
Rate5.62%
APR5.77%
Points0.375
UpdatedMar 18, 2026
Details
No additional details available.
Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
1 Huntington Quadrangle, Astoria, NY, 10016
15 Year Fixed
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
20 E 179th St, Bronx, NY, 10453 4770
15 Year Fixed
5.75%
5.80%
▼
Rate5.75%
APR5.80%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Sawyer Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
100 Woodland Pond Cir, Highland, NY, 12477
15-Year Fixed Rate Mortgage
15 Years
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
455 Beach 129th St, Belle Harbor, NY, 10462
15 Year Fixed-Rate Buydowns
15 Years
5.38%
5.85%
▼
Rate5.38%
APR5.85%
Points2.000
UpdatedMar 18, 2026
Details
No additional details available.
Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
12 Main St, Highland Falls, NY, 10928
15 Year Fixed Conforming *
15 Years
5.75%
5.88%
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
11 E Houston St, Amherst, NY, 10001
15 Year Fixed Rate
5.75%
5.88%
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Binghamton, NY, 13748
15 Year Fixed Rate
5.88%
5.89%
▼
Rate5.88%
APR5.89%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY, 10547
Conventional 15 Year Fixed
5.75%
5.97%
▼
Rate5.75%
APR5.97%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Orange Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1214 E Boston Post Rd, Bronx, NY, 10461
15 Year Fixed
15
6.00%
6.02%
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1445 Portland Ave, Rochester, NY, 14608
15 Year Fixed
15
5.75%
6.06%
▼
Rate5.75%
APR6.06%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Hyde Park, NY, 10941
15 Year Fixed
5.88%
6.08%
▼
Rate5.88%
APR6.08%
Points0.750
UpdatedMar 15, 2026
Details
No additional details available.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
108 2nd Ave, Astoria, NY, 10003 8302
15-Year Fixed
6.00%
6.08%
▼
Rate6.00%
APR6.08%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1 Twin Maples Plaza Route 9 W, Gardiner, NY, 12401
15 Year Fixed
5.88%
6.10%
▼
Rate5.88%
APR6.10%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
1 Research Circle Commons 2a7, Clifton Park, NY, 12065
15 Year Fixed Rate
5.88%
6.16%
▼
Rate5.88%
APR6.16%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Spring Valley, NY, 10701
15 Year Fixed
6.50%
6.53%
▼
Rate6.50%
APR6.53%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
108 2nd Ave, Astoria, NY, 10003 8302
15-Year Fixed
7.38%
7.44%
▼
Rate7.38%
APR7.44%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
101 09 Metropolitan Ave, Astoria, NY, 11040
Mixed Use 15-year fixed term (self-liquidating)
7.50%
7.50%
▼
Rate7.50%
APR7.50%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1400 Hylan Blvd, Brooklyn, NY, 10305
15 Year Fixed Rate Equity
180
8.00%
8.00%
▼
Rate8.00%
APR8.00%
Points0.000
UpdatedMar 20, 2026
Details
$5,000 Min, $500,000 Max, 80% Max LTV, 1-4 family homes or condos, owner occupied, primary or second/vacation homes only. Disclosed APR is an example based on a $250,000 loan amount. NO APPLICATION FEES. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 1308
3/1 ARM
4.50%
4.61%
▼
Rate4.50%
APR4.61%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 1308
5/1 ARM
4.75%
4.86%
▼
Rate4.75%
APR4.86%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
1 Huntington Quadrangle, Astoria, NY, 10016
7/1 ARM2 - Affordable Housing Program3
4.88%
5.46%
▼
Rate4.88%
APR5.46%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1 Montauk Hwy, Astoria, NY, 10022
5/6 ARM
5.25%
5.61%
▼
Rate5.25%
APR5.61%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 1308
7/1 ARM
5.50%
5.62%
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
20 E 179th St, Bronx, NY, 10453 4770
5 Year Adjustable (ARM)
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
20 E 179th St, Bronx, NY, 10453 4770
7 Year Adjustable (ARM)
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1 Montauk Hwy, Astoria, NY, 10022
7/6 ARM
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
1 Huntington Quadrangle, Astoria, NY, 10016
7/1 ARM2
5.38%
5.71%
▼
Rate5.38%
APR5.71%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
1 Huntington Quadrangle, Astoria, NY, 10016
5/1 ARM2
5.25%
5.72%
▼
Rate5.25%
APR5.72%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
5-1 ARM
5.38%
5.75%
▼
Rate5.38%
APR5.75%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Sidney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
132 Main St, Amsterdam, NY, 12010
7/1 ARM
5.62%
5.75%
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
7-1 ARM
5.50%
5.75%
▼
Rate5.50%
APR5.75%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
12 Main St, Highland Falls, NY, 10928
7/1 Adjustable Rate Conforming (4) *
30 Years
5.38%
5.76%
▼
Rate5.38%
APR5.76%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
20 E 179th St, Bronx, NY, 10453 4770
Jumbo Loans 5 Year Adjustable (ARM)
5.75%
5.76%
▼
Rate5.75%
APR5.76%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
20 E 179th St, Bronx, NY, 10453 4770
Jumbo Loans 7 Year Adjustable (ARM)
5.75%
5.76%
▼
Rate5.75%
APR5.76%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Hyde Park, NY, 10941
5/6 SOFR ARM
5.38%
5.79%
▼
Rate5.38%
APR5.79%
Points0.625
UpdatedMar 15, 2026
Details
No additional details available.
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY, 11010
7/1 Adjustable Rate Mortgages
5.12%
5.81%
▼
Rate5.12%
APR5.81%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1 Twin Maples Plaza Route 9 W, Gardiner, NY, 12401
ARM-7 Year Fixed/1 Year Adjustable
5.38%
5.82%
▼
Rate5.38%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
12 Main St, Highland Falls, NY, 10928
10/1 Adjustable Rate Conforming (5) *
30 Years
5.62%
5.83%
▼
Rate5.62%
APR5.83%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Hyde Park, NY, 10941
7/6 SOFR ARM
5.62%
5.86%
▼
Rate5.62%
APR5.86%
Points0.625
UpdatedMar 15, 2026
Details
No additional details available.
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1 Twin Maples Plaza Route 9 W, Gardiner, NY, 12401
ARM-10 Year Fixed/1 Year Adjustable
5.62%
5.86%
▼
Rate5.62%
APR5.86%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1 Hawk Dr Bldg SUNY Adminstration, Central Valley, NY, 10917
Five/Six Adjustable (5/6m) Arm
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 16, 2026
Details
As Low As
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1 Twin Maples Plaza Route 9 W, Gardiner, NY, 12401
ARM-5 Year Fixed/1 Year Adjustable
5.38%
5.89%
▼
Rate5.38%
APR5.89%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY, 10566 2801
10 Year Adjustable Rate
5.50%
5.89%
▼
Rate5.50%
APR5.89%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
109 S Warren St, Baldwinsville, NY, 13027
7/6 ARM: 30 Year
5.25%
5.90%
▼
Rate5.25%
APR5.90%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Spring Valley, NY, 10701
5/1 Year Adjustable
60
5.25%
5.90%
▼
Rate5.25%
APR5.90%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Spring Valley, NY, 10701
7/1 Year Adjustable
84
5.50%
5.91%
▼
Rate5.50%
APR5.91%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
WSB Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 Clinton St, Watertown, NY, 13601
5/1 Year ARM
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
1 Hawkins Ave Unit 2104, Albertson, NY, 10001 6802
5/1 ARM
5.38%
5.91%
▼
Rate5.38%
APR5.91%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1 Twin Maples Plaza Route 9 W, Gardiner, NY, 12401
ARM-3 Year Fixed/1 Year Adjustable
5.25%
5.94%
▼
Rate5.25%
APR5.94%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
1 Hawkins Ave Unit 2104, Albertson, NY, 10001 6802
7/1 ARM
5.62%
5.95%
▼
Rate5.62%
APR5.95%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Van Rensselaer Sq, Albany, NY, 12009 9900
5/6 ARM
5.12%
5.96%
▼
Rate5.12%
APR5.96%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Walden Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
127 E Main St, Circleville, NY, 10919
7/1 ARM
5.38%
5.97%
▼
Rate5.38%
APR5.97%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
109 S Warren St, Baldwinsville, NY, 13027
5/6 ARM: 30 Year
5.12%
5.98%
▼
Rate5.12%
APR5.98%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY, 11010
15/1 Adjustable Rate Mortgages
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1 Hawk Dr Bldg SUNY Adminstration, Central Valley, NY, 10917
Seven/Six Adjustable (7/6m) Arm
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMar 16, 2026
Details
As Low As
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY, 10566 2801
7 Year Adjustable Rate
5.38%
6.00%
▼
Rate5.38%
APR6.00%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Walden Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
127 E Main St, Circleville, NY, 10919
Community Hero 5/5 ARM
4.75%
6.00%
▼
Rate4.75%
APR6.00%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Walden Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
127 E Main St, Circleville, NY, 10919
7/1 ARM
5.38%
6.01%
▼
Rate5.38%
APR6.01%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY, 11010
10/1 Adjustable Rate Mortgages
5.62%
6.01%
▼
Rate5.62%
APR6.01%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY, 10547
Conventional 5/1 ARM
5.50%
6.04%
▼
Rate5.50%
APR6.04%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Walden Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
127 E Main St, Circleville, NY, 10919
5/1 ARM
5.25%
6.05%
▼
Rate5.25%
APR6.05%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1400 Hylan Blvd, Brooklyn, NY, 10305
5/6/30 Adjustable Rate
360
5.38%
6.05%
▼
Rate5.38%
APR6.05%
Points0.000
UpdatedMar 20, 2026
Details
2.75% Margin - 2/1/5 Caps, 1-4 Family Owner Occupied, 90% Max LTV, PMI Required with less than 20% down. 60 payments of $5,039.74, 299 @ $5,544.61, 1 final payment of $5,545.24. Example based on $900,000 loan amount at an interest rate of 5.375% for the initial 60-month period, and a rate of 6.375% after the initial period. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
Walden Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
127 E Main St, Circleville, NY, 10919
First Time Home Buyer 5/5 ARM
4.88%
6.08%
▼
Rate4.88%
APR6.08%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Walden Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
127 E Main St, Circleville, NY, 10919
5/1 ARM
5.25%
6.09%
▼
Rate5.25%
APR6.09%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY, 10566 2801
5 Year Adjustable Rate
5.25%
6.10%
▼
Rate5.25%
APR6.10%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Binghamton, NY, 13748
5 Year Adjustable Rate - 30 Year Term
5.85%
6.10%
▼
Rate5.85%
APR6.10%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1 Johnson Rd, Airmont, NY, 10510
5/1 ARM
5.38%
6.11%
▼
Rate5.38%
APR6.11%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1 Johnson Rd, Airmont, NY, 10510
5/1 ARM, Primary Purchase
5.38%
6.11%
▼
Rate5.38%
APR6.11%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
20 E 179th St, Bronx, NY, 10453 4770
Jumbo Loans 10 Year Fixed
5.62%
5.66%
▼
Rate5.62%
APR5.66%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
20 E 179th St, Bronx, NY, 10453 4770
Jumbo Loans 20 Year Fixed
5.88%
5.89%
▼
Rate5.88%
APR5.89%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
20 E 179th St, Bronx, NY, 10453 4770
Jumbo Loans 15 Year Fixed
5.88%
5.90%
▼
Rate5.88%
APR5.90%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1 Johnson Rd, Airmont, NY, 10510
First Mortgage, Jumbo (30 Year)
5.99%
6.00%
▼
Rate5.99%
APR6.00%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1204 Stony Lonesome Access Rd, New York, NY, 10001 2908
Jumbo Loan
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
Jumbo 15-Year
15
5.88%
6.07%
▼
Rate5.88%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
20 E 179th St, Bronx, NY, 10453 4770
Jumbo Loans 30 Year Fixed
6.12%
6.14%
▼
Rate6.12%
APR6.14%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY, 11010
30 Year Jumbo
6.38%
6.39%
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
13 Croton Ave, New York, NY, 10017
Jumbo 30 Year Fixed
30 Year
6.38%
6.42%
▼
Rate6.38%
APR6.42%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
13 Croton Ave, New York, NY, 10017
Jumbo 15 Year Fixed
15 Year
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
Jumbo 30-Year
30
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Jumbo 30 Year Fixed
6.62%
6.72%
▼
Rate6.62%
APR6.72%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
15 Year Fixed - Conforming Jumbo 15 Year Fixed
7.00%
7.16%
▼
Rate7.00%
APR7.16%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Jumbo 15 Year Fixed
7.00%
7.16%
▼
Rate7.00%
APR7.16%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY, 10547
FHA 30 Year Fixed
5.50%
6.07%
▼
Rate5.50%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1204 Stony Lonesome Access Rd, New York, NY, 10001 2908
FHA Loan
5.38%
6.26%
▼
Rate5.38%
APR6.26%
Points0.000
UpdatedMar 15, 2026
Details
As Low As; Rates as low as 5.375% (6.265% APR)
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY, 11010
FHA 203K 30 Year Fixed
5.88%
6.66%
▼
Rate5.88%
APR6.66%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY, 11010
FHA 30 Year Fixed
5.88%
6.66%
▼
Rate5.88%
APR6.66%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY, 11010
FHA 15 Year Fixed
6.12%
6.98%
▼
Rate6.12%
APR6.98%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1 Twin Maples Plaza Route 9 W, Gardiner, NY, 12401
FHA
6.12%
7.18%
▼
Rate6.12%
APR7.18%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1204 Stony Lonesome Access Rd, New York, NY, 10001 2908
VA Loan
5.38%
5.67%
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1020 Port Washington Boulevard, Ardsley, NY, 10001
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY, 11010
VA 30 Year Fixed
6.12%
6.55%
▼
Rate6.12%
APR6.55%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY, 10547
VA 30 Year Fixed
6.00%
6.66%
▼
Rate6.00%
APR6.66%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY, 11010
VA 15 Year Fixed
6.62%
7.36%
▼
Rate6.62%
APR7.36%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for New York directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in New York. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in New York
How does my credit score affect my rate in New York?
Your credit score is a major factor. Generally, borrowers in New York with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in New York because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in New York?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In New York, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in New York, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in New York?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of New York, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in New York?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in New York offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in New York?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in New York?
- Northfield Bank: 5.25% (30 Year Fixed Rate Affordable Mortgage)
- Dime Community Bank: 5.50% (30 Year Fixed - Affordable Housing Program3)
- Trouvaille Federal Credit Union: 5.69% (30 Year Mortgage)
- TrustCo Bank: 5.75% (30 Year Mortgages)
- First Heritage Federal Credit Union: 5.62% (30 Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to New York borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in New York
