MonitorBankRates
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Mortgage Rate Trends

East Meredith, New York Mortgage Rates - September 2026

Current 30-year fixed mortgage rates in East Meredith, New York include TOWN OF HEMPSTEAD EMPLOYEESTOWN OF HEMPSTEAD EMPLOYEESA+5.0 ★Texas Ratio: 0.82% at 5.88%, Actors Federal Credit UnionActors Federal Credit UnionA-5.0 ★Texas Ratio: 15.01% at 5.79%, Wells FargoWells FargoA5.0 ★Texas Ratio: 6.32% at 6.00%, Self Reliance NY Federal Credit UnionSelf Reliance NY Federal Credit UnionA+5.0 ★Texas Ratio: 2.19% at 6.25%, and N C P DN C P DA+5.0 ★Texas Ratio: 0.20% at 6.39%. Mortgage rates as of September 9, 2026 according to verified data from MonitorBankRates.

East Meredith borrowers can compare 174 mortgage rates from 45 lenders serving the New York area, with mortgage rates as low as 5.88% from TOWN OF HEMPSTEAD EMPLOYEES. Use the tabs below to compare available loan types. Rates are continually updated, so we recommend checking back frequently.

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: September 9, 2026

Compare Mortgage Rates Today in East Meredith, New York & the Surrounding Area

East Meredith 30 Year Fixed Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
TOWN OF HEMPSTEAD EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
30 Year Fixed
30 Year
5.88%
5.88%
Rate5.88%
APR5.88%
Points0.000
UpdatedSep 3, 2026
Details

As Low As

Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
30 Year Fixed-Rate Mortgage
30 Year
5.79%
5.91%
Rate5.79%
APR5.91%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
30-Year Fixed-Rate VA
30-Year
6.00%
6.22%
Rate6.00%
APR6.22%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
30 Year Fixed Rate Mortgage
30 Year
6.25%
6.30%
Rate6.25%
APR6.30%
Points0.000
UpdatedSep 9, 2026
Details

As low as

N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
30-YEAR FIXED RATE 1st MORTGAGE
30 years
6.39%
6.39%
Rate6.39%
APR6.39%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Carthage Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Mortgage Rates - 5 YR ARM (30 Yr)
30 Yr
6.36%
6.42%
Rate6.36%
APR6.42%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
30 Year Fixed
30 years
6.38%
6.47%
Rate6.38%
APR6.47%
Points0.000
UpdatedSep 9, 2026
Details

Max Loan Cost/Thousand: $6.27

Hudson River Community Credit Union
30-year fixed
30-year fixed
6.50%
6.50%
Rate6.50%
APR6.50%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
30-Year Fixed Rate Mortgage
30-year
6.51%
6.51%
Rate6.51%
APR6.51%
Points0.000
UpdatedSep 3, 2026
Details

*

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Conventional 30-Year Fixed
6.38%
6.51%
Rate6.38%
APR6.51%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
30 Year Fixed with 1 Point
30 Year Fixed
6.38%
6.51%
Rate6.38%
APR6.51%
Points1.000
UpdatedSep 5, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
Fixed Rate Mortgages - 30 Year Fixed
6.38%
6.51%
Rate6.38%
APR6.51%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Conventional Fixed Rate Mortgage - 30 Year Fixed
30 Year Fixed
6.50%
6.54%
Rate6.50%
APR6.54%
Points0.000
UpdatedSep 5, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Year Mortgage
30 Year
6.50%
6.56%
Rate6.50%
APR6.56%
Points0.000
UpdatedSep 9, 2026
Details

You Don't Have to Pay Points on Your Mortgage!

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
30-Year Fixed Home Loans
6.58%
6.58%
Rate6.58%
APR6.58%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Construction Draw Loan - 30 Year Fixed
6.50%
6.61%
Rate6.50%
APR6.61%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Heritage Financial Credit Union
Fixed Rate 30 Year Mortgage
6.50%
6.62%
Rate6.50%
APR6.62%
Points0.000
UpdatedSep 3, 2026
Details

As low as

USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
30 Year Fixed
6.63%
6.63%
Rate6.63%
APR6.63%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
30-Year Fixed
6.50%
6.64%
Rate6.50%
APR6.64%
Points0.000
UpdatedSep 6, 2026
Details

As Low As

Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
MORTGAGE RATES - 30 Year Fixed
30 Year Fixed
6.62%
6.64%
Rate6.62%
APR6.64%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

WSB Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30 Year Mortgage
30 Year Mortgage
6.50%
6.68%
Rate6.50%
APR6.68%
Points0.000
UpdatedSep 7, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
USDA 30 Year Fixed
6.38%
6.68%
Rate6.38%
APR6.68%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
30 Year Fixed Rate
30 years
6.62%
6.69%
Rate6.62%
APR6.69%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.82%
30 Year Fixed
6.63%
6.72%
Rate6.63%
APR6.72%
Points0.000
UpdatedSep 9, 2026
Details

Rates assume a NY property

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Biweekly 30 Year Fixed
6.62%
6.72%
Rate6.62%
APR6.72%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Conventional Mortgage & Refinance Rates - 30 Year Fixed
6.62%
6.73%
Rate6.62%
APR6.73%
Points0.500
UpdatedSep 3, 2026
Details

No additional details available.

Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
Mortgage Rates - 30 Year Fixed
30 Year Fixed
6.50%
6.76%
Rate6.50%
APR6.76%
Points1.125
UpdatedSep 7, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
30 Year Fixed
6.75%
6.78%
Rate6.75%
APR6.78%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
30-Year Fixed Rate
30-Year
6.63%
6.78%
Rate6.63%
APR6.78%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Sawyer Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.69%
Business 30-Year Fixed Rate Mortgage
30 Years
6.75%
6.80%
Rate6.75%
APR6.80%
Points0.000
UpdatedSep 5, 2026
Details

No additional details available.

Hudson Valley Credit Union
30-Year Fixed Rate
6.75%
6.80%
Rate6.75%
APR6.80%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
30 Year Fixed
30 Year Fixed
6.63%
6.81%
Rate6.63%
APR6.81%
Points0.880
UpdatedSep 9, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Mortgage Rates - FHA 30 Year Fixed
6.25%
6.82%
Rate6.25%
APR6.82%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Mortgage Rates - 30 Year Fixed Conforming
30 Years
6.75%
6.84%
Rate6.75%
APR6.84%
Points0.000
UpdatedSep 6, 2026
Details

No additional details available.

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
30-Year Fixed Mortgage
30 years
6.75%
6.87%
Rate6.75%
APR6.87%
Points0.000
UpdatedSep 3, 2026
Details

As low as 6.750% RATE. Rates are accurate as of 9/2/2026 12:37 PM and are subject to change without notice. Mortgage products in New York State only and offered by Broadview FCU. Address: 4 Winners Circle Suite 202, Albany, NY 12205. Broadview FCU NMLS Identifier: 458314

Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
Mortgage Rates - 30 Year Fixed
30 Year Fixed
6.75%
6.90%
Rate6.75%
APR6.90%
Points0.000
UpdatedSep 7, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
30 Year Fixed (HomeReady®)
6.88%
6.91%
Rate6.88%
APR6.91%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
VA 30 Year Fixed
30 Year
6.50%
6.93%
Rate6.50%
APR6.93%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
30 year fixed Mortgage
30 year fixed
6.96%
6.96%
Rate6.96%
APR6.96%
Points0.000
UpdatedSep 4, 2026
Details

Starting at

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
30-Year Fixed Rate
30 years
6.88%
6.96%
Rate6.88%
APR6.96%
Points0.375
UpdatedSep 9, 2026
Details

Rates listed include 0.125% autopay and paperless discount. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction.

Carthage Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Conventional (30Yr) Loan
30 Yr
6.88%
6.97%
Rate6.88%
APR6.97%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Walden Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
30-Yr Fixed
30 years
6.88%
7.02%
Rate6.88%
APR7.02%
Points0.500
UpdatedSep 7, 2026
Details

As low as

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
30 Year Fixed Rate
30 Year
7.00%
7.07%
Rate7.00%
APR7.07%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
30-Year Fixed Rate
30 Year
6.88%
7.12%
Rate6.88%
APR7.12%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
30 Year Fixed Rate
30 years
7.00%
7.15%
Rate7.00%
APR7.15%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
30 Year Fixed Rate Mortgage
30 years
7.00%
7.15%
Rate7.00%
APR7.15%
Points0.000
UpdatedSep 9, 2026
Details

Choose either a 15 or 30 year term.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
VA 30 Year Fixed
6.50%
7.16%
Rate6.50%
APR7.16%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
30 Year Fixed Rate Mortgage
30 Year
7.12%
7.17%
Rate7.12%
APR7.17%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
30 Year Fixed Rate
30 Years
7.12%
7.17%
Rate7.12%
APR7.17%
Points0.000
UpdatedSep 9, 2026
Details

Conforming mortgages: based on the purchase of a single-family, primary residence, 80% loan-to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for the following counties in the state of New York only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, and Erie); for current rates available in other counties in NY and all other States, please call 866.427.2101.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
HSBC Deluxe Mortgage 30 Year Fixed Rate
30 Year Fixed
7.12%
7.17%
Rate7.12%
APR7.17%
Points0.000
UpdatedSep 9, 2026
Details

Jumbo mortgages: based on the purchase of a single-family, primary residence, 65% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101.

East Meredith 15 Year Fixed Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
15 Year Fixed-Rate Mortgage
15 Year
5.49%
5.69%
Rate5.49%
APR5.69%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

Hudson River Community Credit Union
15-year fixed
15-year fixed
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Biweekly 15 Year Fixed
5.75%
5.76%
Rate5.75%
APR5.76%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
MORTGAGE RATES - 15 Year Fixed
15 Year Fixed
5.88%
5.89%
Rate5.88%
APR5.89%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
Fixed Rate Mortgages - 15 Year Fixed
5.75%
6.02%
Rate5.75%
APR6.02%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
15 Year Fixed Rate
15 years
6.00%
6.02%
Rate6.00%
APR6.02%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Conventional Fixed Rate Mortgage - 15 Year Fixed
15 Year Fixed
6.00%
6.07%
Rate6.00%
APR6.07%
Points0.000
UpdatedSep 5, 2026
Details

No additional details available.

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
15 Year Fixed with 1 Point
15 Year Fixed
5.88%
6.09%
Rate5.88%
APR6.09%
Points1.000
UpdatedSep 5, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
15-Year Fixed Rate
15-Year
5.88%
6.11%
Rate5.88%
APR6.11%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
15 Year Fixed
6.13%
6.17%
Rate6.13%
APR6.17%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
15 Year Fixed
15 Year Fixed
5.88%
6.19%
Rate5.88%
APR6.19%
Points1.000
UpdatedSep 9, 2026
Details

No additional details available.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
15-Year Fixed Home Loans
6.21%
6.21%
Rate6.21%
APR6.21%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Hudson Valley Credit Union
15-Year Fixed Rate
6.12%
6.21%
Rate6.12%
APR6.21%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
15-Year Fixed Rate
15 years
6.13%
6.24%
Rate6.13%
APR6.24%
Points0.250
UpdatedSep 9, 2026
Details

Rates listed include 0.125% autopay and paperless discount. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
15 Year Fixed Rate
15 Year
6.13%
6.25%
Rate6.13%
APR6.25%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
15 Year Fixed
6.25%
6.27%
Rate6.25%
APR6.27%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
15 Year Fixed
15 years
6.13%
6.28%
Rate6.13%
APR6.28%
Points0.000
UpdatedSep 9, 2026
Details

Max Loan Cost/Thousand: $8.56

Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
15-Year Fixed
6.12%
6.34%
Rate6.12%
APR6.34%
Points0.000
UpdatedSep 6, 2026
Details

As Low As

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
15-year Fixed
15-year
6.12%
6.36%
Rate6.12%
APR6.36%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Mortgage Rates - 15 Year Fixed Conforming
15 Years
6.25%
6.38%
Rate6.25%
APR6.38%
Points0.000
UpdatedSep 6, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
15 Year Fixed Rate
15 years
6.25%
6.39%
Rate6.25%
APR6.39%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
15 Year Fixed Rate Mortgage
15 years
6.25%
6.39%
Rate6.25%
APR6.39%
Points0.000
UpdatedSep 9, 2026
Details

Choose either a 15 or 30 year term.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.82%
15 Year Fixed
6.25%
6.40%
Rate6.25%
APR6.40%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
15-Year Fixed Rate Mortgage
15-year
6.47%
6.47%
Rate6.47%
APR6.47%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Conventional 15 Year Fixed
6.25%
6.47%
Rate6.25%
APR6.47%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
15 year fixed Mortgage
15 year fixed
6.47%
6.47%
Rate6.47%
APR6.47%
Points0.000
UpdatedSep 4, 2026
Details

Starting at

TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Conventional Mortgage & Refinance Rates - 15 Year Fixed
6.25%
6.47%
Rate6.25%
APR6.47%
Points0.875
UpdatedSep 3, 2026
Details

No additional details available.

Walden Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
15-Yr Fixed
15 years
6.12%
6.51%
Rate6.12%
APR6.51%
Points1.500
UpdatedSep 7, 2026
Details

As low as

Sawyer Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.69%
Business 15-Year Fixed Rate Mortgage
15 Years
6.50%
6.58%
Rate6.50%
APR6.58%
Points0.000
UpdatedSep 5, 2026
Details

No additional details available.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
Apply for a Mortgage(Opens in a new Window) - 15 Year Fixed
15 Year Fixed
6.62%
6.62%
Rate6.62%
APR6.62%
Points0.000
UpdatedSep 4, 2026
Details

RATE range: 6.625%-7.625%

Carthage Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
15 YR FRM (15 Yr) Loan
15 Yr
6.50%
6.66%
Rate6.50%
APR6.66%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
15-Year Fixed Rate
15 Year
6.38%
6.69%
Rate6.38%
APR6.69%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
Mortgage Rates - 15 Year Fixed
15 Year Fixed
6.50%
6.74%
Rate6.50%
APR6.74%
Points0.000
UpdatedSep 7, 2026
Details

No additional details available.

Financial Resources Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.24%
15 Year Fixed Rate
15 Year
6.88%
6.88%
Rate6.88%
APR6.88%
Points0.000
UpdatedSep 9, 2026
Details

Relationship Premium

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
VA 15 Year Fixed
15 Year
6.62%
7.47%
Rate6.62%
APR7.47%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
Additional Mortgage Options - FHA 15 Year Fixed
15 Year
6.62%
7.53%
Rate6.62%
APR7.53%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.82%
FHA 15 Yr Fixed
15 Yr Fixed
6.75%
7.60%
Rate6.75%
APR7.60%
Points0.000
UpdatedSep 9, 2026
Details

As Low As; Excludes taxes and hazard insurance; actual payment will be higher

Walden Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
15-Yr Fixed
7.88%
8.02%
Rate7.88%
APR8.02%
Points0.000
UpdatedSep 7, 2026
Details

As low as

East Meredith 5/1 ARM Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
Adjustable Rate Mortgages (ARMs) - 5/1 ARM
5/1
4.50%
4.61%
Rate4.50%
APR4.61%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
Adjustable Rate Mortgages (ARMs) Rates - 5/1 ARM
4.50%
4.61%
Rate4.50%
APR4.61%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

Heritage Financial Credit Union
Five/Six Adjustable (5/6m) Arm
5.25%
5.37%
Rate5.25%
APR5.37%
Points0.000
UpdatedSep 3, 2026
Details

As low as

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
5/5 Year ARM Mortgage (0% origination)
30 Year
5.88%
5.92%
Rate5.88%
APR5.92%
Points0.000
UpdatedSep 9, 2026
Details

As low as; 0% origination

TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Adjustable-Rate Mortgage (ARM) Rates - 5/6 SOFR ARM
6.00%
6.02%
Rate6.00%
APR6.02%
Points0.500
UpdatedSep 3, 2026
Details

First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%

TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Adjustable-Rate Mortgage Rates - 5/6 SOFR ARM
6.00%
6.02%
Rate6.00%
APR6.02%
Points0.500
UpdatedSep 3, 2026
Details

+/- 2.00% First Cap; +/- 1.00% Subsequent Cap; +/- 5.00% Lifetime Cap

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
ARM Rates - 5/6 ARM: 30 Year
30 Year
5.38%
6.08%
Rate5.38%
APR6.08%
Points0.000
UpdatedSep 8, 2026
Details

The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 months the payment will be $923.95 with a corresponding interest rate of 5.375%; for the remaining 300 months, the estimated payment will be $1,424.46 with a corresponding interest rate of 10.375%. The interest rate and monthly payment amount may vary after the first 60 months.

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
ARM Rates Special - 5/6 ARM: 30 Year
30 Year
5.38%
6.08%
Rate5.38%
APR6.08%
Points0.000
UpdatedSep 8, 2026
Details

The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 months the payment will be $923.95 with a corresponding interest rate of 5.375%; for the remaining 300 months, the estimated payment will be $1,424.46 with a corresponding interest rate of 10.375%. The interest rate and monthly payment amount may vary after the first 60 months.

Hudson Valley Credit Union
Mortgage Rates - 5/6 ARM
5.50%
6.08%
Rate5.50%
APR6.08%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
5/1 ARM
5/1 ARM
5.63%
6.20%
Rate5.63%
APR6.20%
Points0.000
UpdatedSep 9, 2026
Details

No-Point Mortgages

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Our latest HSBC Deluxe Mortgage rates - 5/6 ARM Mortgage
6-May
5.87%
6.38%
Rate5.87%
APR6.38%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
Our latest HSBC Deluxe Mortgagerates - 5/6 ARM Mortgage
5/6 ARM
5.87%
6.38%
Rate5.87%
APR6.38%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
5/6 ARM
5/6 ARM
5.87%
6.38%
Rate5.87%
APR6.38%
Points0.000
UpdatedSep 9, 2026
Details

Conforming mortgages: based on the purchase of a single-family, primary residence, 80% loan-to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for the following counties in the state of New York only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, and Erie); for current rates available in other counties in NY and all other States, please call 866.427.2101.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
HSBC Deluxe Mortgage 5/6 ARM
5/6 ARM
5.87%
6.38%
Rate5.87%
APR6.38%
Points0.000
UpdatedSep 9, 2026
Details

Jumbo mortgages: based on the purchase of a single-family, primary residence, 65% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. Rates shown are for New York only; for current rates available in other states, please call 866.427.2101.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.82%
5/1 ARM
1-May
6.00%
6.39%
Rate6.00%
APR6.39%
Points0.000
UpdatedSep 9, 2026
Details

See payment example

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
5/6 ARM
5/6 ARM
5.38%
6.40%
Rate5.38%
APR6.40%
Points0.000
UpdatedSep 9, 2026
Details

Max Loan Cost/Thousand: $5.63

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Conventional 5/1 ARM
5.88%
6.41%
Rate5.88%
APR6.41%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
Adjustable Rate Mortgages - 5/1 ARM
6.12%
6.44%
Rate6.12%
APR6.44%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

WSB Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5/1 ARM
30 years
6.25%
6.48%
Rate6.25%
APR6.48%
Points0.000
UpdatedSep 7, 2026
Details

No Closing Costs

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Conventional 5/5 ARM
5.99%
6.50%
Rate5.99%
APR6.50%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Trouvaille Federal Credit Union
5/1 Year ARM
5/1 Year
5.62%
6.52%
Rate5.62%
APR6.52%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

Walden Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
Community Hero 5/5 ARM
5.12%
6.52%
Rate5.12%
APR6.52%
Points0.000
UpdatedSep 7, 2026
Details

As low as

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
5/1 ARM
30 years
5.50%
6.53%
Rate5.50%
APR6.53%
Points0.000
UpdatedSep 6, 2026
Details

Maximum Loan to Value 89%

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
Adjustable Mortgage Rates - 5/1 ARM
30 years
5.50%
6.53%
Rate5.50%
APR6.53%
Points0.000
UpdatedSep 6, 2026
Details

Adjustable; Maximum Loan to Value: 89%

WSB Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5/1 Year ARM
6.25%
6.53%
Rate6.25%
APR6.53%
Points0.000
UpdatedSep 7, 2026
Details

No additional details available.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
5/1 Arm (30-Year) Home Loans
6.53%
6.53%
Rate6.53%
APR6.53%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Walden Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
5/1 ARM
5.62%
6.54%
Rate5.62%
APR6.54%
Points0.000
UpdatedSep 7, 2026
Details

As low as

Walden Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
Fixed & Adjustable Rate Mortgage Options - 5/1 ARM
5/1 ARM
5.62%
6.54%
Rate5.62%
APR6.54%
Points0.000
UpdatedSep 7, 2026
Details

As low as

Financial Resources Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.24%
View all Mortgage rates here. - 5/6 ARM
6.25%
6.54%
Rate6.25%
APR6.54%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
5/1 Year ARM
5/1 Year ARM
5.38%
6.56%
Rate5.38%
APR6.56%
Points1.000
UpdatedSep 9, 2026
Details

No additional details available.

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
5/1 Yr ARM
15 or 30 Years
6.00%
6.57%
Rate6.00%
APR6.57%
Points0.000
UpdatedSep 4, 2026
Details

Conform / Jumbo: Up to $806,500

Walden Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
First Time Home Buyer 5/5 ARM
5.25%
6.61%
Rate5.25%
APR6.61%
Points0.000
UpdatedSep 7, 2026
Details

As low as

Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Adjustable Rate Mortgages: New & Existing 1 & 2 Family, Owner-Occupied Homes
5/1
5.88%
6.71%
Rate5.88%
APR6.71%
Points0.000
UpdatedSep 6, 2026
Details

Cap Per Adj: 1.50%; Lifetime Cap: 11.875%; Margin: 2.75%

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
5/1 Adjustable Rate Mortgage
5/1
5.88%
6.71%
Rate5.88%
APR6.71%
Points0.000
UpdatedSep 8, 2026
Details

Cap Per Adj: 1.50%; Lifetime Cap: 11.875%; Margin: 2.75%

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
5/1 ARM
5/1
5.88%
6.71%
Rate5.88%
APR6.71%
Points0.000
UpdatedSep 8, 2026
Details

Cap Per Adj: 1.50%; Lifetime Cap: 11.875%; Margin: 2.75%

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5/6 ARM Hipoteca con tasa ajustable
5.50%
6.71%
Rate5.50%
APR6.71%
Points0.000
UpdatedAug 31, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Mortgages / Home Lending - 5/6 ARM
5.50%
6.71%
Rate5.50%
APR6.71%
Points0.000
UpdatedAug 31, 2026
Details

As Low As

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
15/1 Adjustable Loan
6.50%
6.71%
Rate6.50%
APR6.71%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
5/1 Yr ARM
15 or 30 Years
6.50%
6.74%
Rate6.50%
APR6.74%
Points0.000
UpdatedSep 4, 2026
Details

Conform / Jumbo: Over $806,500

WSB Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5/5 ARM
30 years
6.38%
6.75%
Rate6.38%
APR6.75%
Points0.000
UpdatedSep 7, 2026
Details

No Closing Costs

Walden Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.97%
5/1 ARM
5.88%
6.77%
Rate5.88%
APR6.77%
Points0.000
UpdatedSep 7, 2026
Details

As low as

WSB Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5/5 Year ARM
6.38%
6.80%
Rate6.38%
APR6.80%
Points0.000
UpdatedSep 7, 2026
Details

No additional details available.

Sidney Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
Manufactured/ Mobile Home with Land 5/5 ARM
6.38%
6.83%
Rate6.38%
APR6.83%
Points0.000
UpdatedAug 31, 2026
Details

Margin: 2.750%; Rate Change Frequency After Initial Period: Every 5 Years; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 5 Yr - TCM; Floor: 5.00%

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
5/6mo ARM
5/6mo
5.75%
6.91%
Rate5.75%
APR6.91%
Points0.000
UpdatedSep 9, 2026
Details

Rates effective September 02, 2026. Rates, and terms and conditions subject to change without notice on new loans. Rates posted are estimates only and are subject to change without notice. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. The quotes above are based on a specific loan amount for the purchase of a single family primary residence. 3) 15 and 30 Year JUMBO loan payments are based on a $806,500.00 loan amount

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
15/1 ARM
30 years
6.75%
6.94%
Rate6.75%
APR6.94%
Points0.000
UpdatedSep 6, 2026
Details

Maximum Loan to Value 89%

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
Adjustable Mortgage Rates - 15/1 ARM
30 years
6.75%
6.94%
Rate6.75%
APR6.94%
Points0.000
UpdatedSep 6, 2026
Details

Adjustable; Maximum Loan to Value: 89%

Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Adjustable Rate Mortgages: New & Existing 1 & 2 Family, Owner-Occupied Homes
5/1
6.12%
6.97%
Rate6.12%
APR6.97%
Points0.000
UpdatedSep 6, 2026
Details

Cap Per Adj: 1.50%; Lifetime Cap: 12.125%; Margin: 3.00%

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
5/1 Adjustable Rate Mortgage
5/1
6.12%
6.97%
Rate6.12%
APR6.97%
Points0.000
UpdatedSep 8, 2026
Details

Cap Per Adj: 1.50%; Lifetime Cap: 12.125%; Margin: 3.00%

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
5/1 ARM
5/1
6.12%
6.97%
Rate6.12%
APR6.97%
Points0.000
UpdatedSep 8, 2026
Details

Cap Per Adj: 1.50%; Lifetime Cap: 12.125%; Margin: 3.00%

Cattaraugus County Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.81%
5/6-Month ARM (Portfolio)
first 1-60 months
6.58%
7.00%
Rate6.58%
APR7.00%
Points0.000
UpdatedSep 9, 2026
Details

Rate is fixed for first 5 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 2% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

East Meredith 30-Year Jumbo Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Jumbo 30 Year Fixed
Jumbo 30 Year Fixed
6.25%
6.39%
Rate6.25%
APR6.39%
Points1.000
UpdatedSep 9, 2026
Details

No additional details available.

Hudson Valley Credit Union
30-Year Fixed Jumbo
6.75%
6.77%
Rate6.75%
APR6.77%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
Fixed Rate Mortgages - 30 Year Jumbo
7.00%
7.02%
Rate7.00%
APR7.02%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

Trouvaille Federal Credit Union
Mortgage Rates - 30 Year Jumbo
7.24%
7.26%
Rate7.24%
APR7.26%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

East Meredith 15-Year Jumbo Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Hudson Valley Credit Union
15-Year Fixed Jumbo
5.75%
5.78%
Rate5.75%
APR5.78%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Trouvaille Federal Credit Union
Mortgage Rates - 15 Year Jumbo
6.47%
6.50%
Rate6.47%
APR6.50%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

East Meredith 5/1 Jumbo ARM Mortgage Rates

No 5/1 Jumbo ARM rates found in East Meredith, NY currently.

East Meredith FHA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Mortgage Rates - FHA 30 Year Fixed
6.25%
6.82%
Rate6.25%
APR6.82%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Trouvaille Federal Credit Union
30 Year FHA Loan
30 Year
6.25%
7.04%
Rate6.25%
APR7.04%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

Trouvaille Federal Credit Union
Mortgage Rates - 30 Year FHA
6.25%
7.04%
Rate6.25%
APR7.04%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
Additional Mortgage Options - FHA 30 Year Fixed
30 Year
6.38%
7.18%
Rate6.38%
APR7.18%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
FHA 203K 30 Year Fixed
30 Year
6.38%
7.18%
Rate6.38%
APR7.18%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
FHA 30-year Fixed
30-year
6.25%
7.19%
Rate6.25%
APR7.19%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.82%
FHA 30 Yr Fixed
30 Yr Fixed
6.50%
7.31%
Rate6.50%
APR7.31%
Points0.000
UpdatedSep 9, 2026
Details

As Low As; Excludes taxes and hazard insurance; actual payment will be higher

Trouvaille Federal Credit Union
Mortgage Rates - 15 Year FHA
6.62%
7.51%
Rate6.62%
APR7.51%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
Additional Mortgage Options - FHA 15 Year Fixed
15 Year
6.62%
7.53%
Rate6.62%
APR7.53%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
FHA Loan
FHA
6.50%
7.57%
Rate6.50%
APR7.57%
Points0.000
UpdatedSep 7, 2026
Details

No additional details available.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.82%
FHA 15 Yr Fixed
15 Yr Fixed
6.75%
7.60%
Rate6.75%
APR7.60%
Points0.000
UpdatedSep 9, 2026
Details

As Low As; Excludes taxes and hazard insurance; actual payment will be higher

East Meredith VA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
30-Year Fixed-Rate VA
30-Year
6.00%
6.22%
Rate6.00%
APR6.22%
Points0.000
UpdatedSep 9, 2026
Details

No additional details available.

Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
VA Loan
VA
6.50%
6.79%
Rate6.50%
APR6.79%
Points0.000
UpdatedSep 7, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
VA 30 Year Fixed
30 Year
6.50%
6.93%
Rate6.50%
APR6.93%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

Trouvaille Federal Credit Union
Mortgage Rates - 30 Year VA
6.25%
7.09%
Rate6.25%
APR7.09%
Points0.000
UpdatedSep 4, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
VA 30 Year Fixed
6.50%
7.16%
Rate6.50%
APR7.16%
Points0.000
UpdatedSep 3, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
VA 15 Year Fixed
15 Year
6.62%
7.47%
Rate6.62%
APR7.47%
Points0.000
UpdatedAug 31, 2026
Details

No additional details available.

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.

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East Meredith, NY Mortgage Rate Trends

Compare local East Meredith, NY mortgage rate quotes against the statewide average

Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.

View Full New York Mortgage Trends →
30-Year Fixed NY Avg
6.820%
▲ 0.050 vs 7 days ago

New York 30-year fixed rates rose 0.050 points over the past 7 days to 6.820%.

15-Year Fixed NY Avg
6.347%
▲ 0.066 vs 7 days ago

New York 15-year fixed rates rose 0.066 points over the past 7 days to 6.347%.

As of Sep 10, 2026 • Rate data sourced from our monitored institution network
Powered by MonitorBankRates

New York Mortgage Rate Forecast, Next 12 Months

Where are New York mortgage rates headed through September 2027?

Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.

Current NY Avg
6.820%
30-Year Fixed
6-Month Forecast
6.820%
Range: 6.47% – 7.12%
12-Month Forecast
7.070%
Range: 6.72% – 7.37%
12-Mo Payment Chg.
+$41/mo
vs. today on median home

What Forecast Rates Mean for East Meredith, NY Home Buyers

Monthly principal & interest payment on East Meredith, NY median home of $303,400 (20% down, 30-year fixed, city-level Census ACS median)

Scenario Rate Mo. Payment vs. Today % of Income
Today (NY avg) 6.820% $1,586 22.1%
6-Month Forecast 6.820% (6.47–7.12%) $1,586 +$0/mo 22.1%
12-Month Forecast 7.070% (6.72–7.37%) $1,626 +$41/mo 22.7%

Income column = annual mortgage payment as % of East Meredith, NY median household income ($85,974). Above 30% is generally considered cost-burdened.

Projections based on Fed funds futures and mortgage-to-fed-funds spread model. Not a guarantee of future rates.

MonitorBankRates Housing Affordability Index (MBR-HAI)

A daily-updated affordability score for East Meredith, New York , computed from local Census Bureau data combined with current New York mortgage rates. Based on New York statewide data for this location.

New York HAI Analysis →
East Meredith Metro MBR-HAI
84.1
Moderately Less Affordable
National Average
99.2
Score of 100 = baseline
vs. National
-15.1
less affordable
Median Home Value
$423,800
Census ACS 5-Yr 2024
Median Income
$85,974
Household income

What This Score Means for East Meredith, New York Home Buyers

With a score of 84.1, East Meredith, New York is 15.1 points less affordable than the national average of 99.2. The area’s median home value of $423,800 against a median household income of $85,974 produces a price-to-income ratio of 4.9x , modestly above the national norm. At the current New York mortgage rate of 6.820%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $2,215 in principal and interest.

Beyond the mortgage payment, the median total monthly owner cost in this area is $1,714, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $580/month ($6,954/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.

Score Interpretation
120+  Highly Affordable
110-119  More Affordable Than Average
90-109  Near National Average
70-89  Moderately Less Affordable
50-69  Significantly Less Affordable
Below 50  Least Affordable
As of Sep 9, 2026 • Updated each morning

Score computed from New York statewide U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current New York live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology →

How Mortgage Rates Impact Home Affordability in East Meredith, New York

East Meredith, New York Housing Market Overview

City-level home value data is not available for East Meredith ; figures below reflect New York statewide data.

The New York statewide median owner-occupied home value is approximately $423,800, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit for this area is $832,750 — meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.

East Meredith, New York Homeownership Rate

East Meredith Metro
52.4%
-13.3% vs. national avg
New York Statewide
52.4%
0% vs. New York
U.S. National Rate
65.7%
CPS/HVS Q4 2025
Homeowner Vacancy Rate
1.2%
Tight market: low inventory

With a homeownership rate of 52.4%, significantly below the national average of 65.7%, East Meredith, New York has a large pool of potential buyers actively competing for available properties. The homeowner vacancy rate of 1.2% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.

Monthly Payment Estimates for East Meredith, New York Buyers

Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $400,000 mortgage.

Interest Rate Loan Term Monthly Payment Total Interest Paid
6.320% 30-year fixed $2,481 $493,199
6.820% Current Avg 30-year fixed $2,613 $540,691
7.320% 30-year fixed $2,748 $589,180
6.347% 15-year fixed $3,451 $221,157

A 0.500% rate increase on a $400,000 loan adds roughly $135 per month and over $48,489 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a East Meredith, New York buyer can make.

Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.

East Meredith, New York Income & Housing Affordability

City-level Census data is not available for East Meredith ; figures below reflect New York statewide data.

At a price-to-income ratio of 4.9x, New York is a relatively affordable housing market compared to national averages. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.

New York Median Income
$85,974
+6.5% vs. national median
ACS 5-Year 2024
U.S. Median Income
$80,734
National baseline
ACS 5-Year 2024
Price-to-Income Ratio
4.9x
National avg: 3.8x
Home value / household income

What This Means for New York Buyers

With a median household income of $85,974 per year in New York statewide ($7,165/month) and a median home value of approximately $423,800, a buyer financing at 80% LTV at the current average rate would commit roughly 36.5% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened", before taxes, insurance, HOA fees, or PMI are factored in.

Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.

Full Cost of Homeownership in East Meredith, New York

A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in East Meredith, New York. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.

Owner vs. Renter Costs

Median Monthly Owner Cost
$1,714
Mortgage, taxes, insurance & utilities
0% vs. New York avg
Median Gross Rent
$1,621
Rent including utilities
0% vs. New York avg
Ownership Premium
+$93
Owner cost vs. rent per month
Owning costs 6% more than renting
Median Annual Property Tax
$6,954
$580/month added to housing costs

In East Meredith, New York, the median homeowner with a mortgage pays approximately $1,714/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,621/month including utilities. The $93/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $580/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.

Housing Cost Burden

The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.

Owner Cost Burden (30%+)
33.1%
of mortgage holders
15% severely burdened (50%+)
Renter Cost Burden (30%+)
48.5%
of renters
26.9% severely burdened (50%+)
National Owner Burden
28.0%
of mortgage holders nationally
47.6% of renters nationally

In East Meredith, New York, 33.1% of homeowners with mortgages are cost burdened and 48.5% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. With an owner burden rate of 33.1% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.

Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.

East Meredith, New York Mortgage Payment Calculator

See your estimated monthly principal & interest payment at today’s East Meredith, New York rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.

Monthly P&I
$0
Loan Amount
$0
Total Interest
$0

Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.

Current East Meredith, New York Mortgage Rates

Lowest verified rate per loan type · click to use its rate and term
Lowest verified rate per loan type available in East Meredith, New York. ARM rates apply for the initial fixed period only. See the loan-type tabs above for all offers.

Run the Numbers on Your East Meredith, New York Home Loan

Rates are only part of the equation. Use these calculators to translate current East Meredith, New York mortgage rates into real numbers for your specific situation before you talk to a lender.

Types of Mortgages Available in East Meredith, New York

Not every loan program is right for every buyer in East Meredith, New York. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.

Fixed-Rate Mortgage

A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.

Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s East Meredith, New York rate levels.

Adjustable-Rate Mortgage (ARM)

An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.

ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.

FHA Loan

Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.

The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15%–0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in East Meredith, New York, FHA is often the faster path to ownership.

VA Loan

Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.

A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In East Meredith, New York, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.

Jumbo Loan

The 2026 FHFA conforming loan limit for East Meredith, New York is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.

Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10–20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our East Meredith, New York mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for East Meredith, 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 East Meredith, 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.

How a Mortgage Works in East Meredith, New York

A mortgage is a loan used to buy a home in East Meredith, New York, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.

Fixed-Rate vs. Adjustable-Rate Mortgages for East Meredith, New York Buyers

A fixed-rate mortgage keeps the same interest rate for the entire term, so a East Meredith, New York homeowner’s principal-and-interest payment never changes. For example, TOWN OF HEMPSTEAD EMPLOYEES is listing a 30 Year Fixed at 5.88%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit East Meredith, New York borrowers who expect to move or refinance before that point. On the adjustable-rate side, Actors Federal Credit Union is listing a Adjustable Rate Mortgages (ARMs) - 5/1 ARM at 4.50%.

How East Meredith, New York Mortgage Rates Are Set

Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a New York borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.

Points and Closing Costs in East Meredith, New York

The interest rate is not the only cost of buying a home in East Meredith, New York. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps East Meredith, New York shoppers account for these costs when weighing lenders.

When East Meredith, New York Homeowners Should Consider Refinancing

Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For East Meredith, New York homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up.

Frequently Asked Questions about Mortgage Rates in East Meredith, New York

How does my credit score affect my rate in New York?

Your credit score is a major factor. Generally, borrowers in East Meredith, 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 East Meredith, 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 East Meredith, 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 East Meredith, 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 East Meredith, 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 is the homeownership rate in East Meredith, New York?

According to the U.S. Census Bureau Housing Vacancies and Homeownership survey (CPS/HVS, Q4 2025), the homeownership rate in the East Meredith, NY metro area is 52.4%, compared to the national rate of 65.7%. Source: census.gov/housing/hvs.

What is the conforming loan limit in East Meredith, New York?

The 2026 FHFA conforming loan limit for East Meredith, New York is $832,750. Mortgages above this amount are considered jumbo loans and typically require stronger credit, a larger down payment, and additional reserves. Source: Federal Housing Finance Agency, fhfa.gov/data/conforming-loan-limit.

What is the median monthly cost of homeownership in East Meredith, New York?

According to the U.S. Census Bureau, the median monthly owner cost for mortgage holders in East Meredith, New York is approximately $1,714 per month. This includes the mortgage payment, property taxes, insurance, and utilities.

What are the median property taxes in East Meredith, New York?

The median annual property tax paid by homeowners with a mortgage in East Meredith, New York is $6,954 per year ($580 per month). Source: U.S. Census Bureau.

What is the median rent in East Meredith, New York?

The median gross rent in East Meredith, New York is $1,621 per month, including utilities. Source: U.S. Census Bureau.

What percentage of homeowners are cost burdened in East Meredith, New York?

33.1% of mortgage holders in East Meredith, New York spend more than 30% of their gross household income on housing costs -- the federal definition of cost burdened. 15% are severely cost burdened, spending 50% or more of their income on housing. The national average for owner cost burden is 28.0%. Source: U.S. Census Bureau.

What percentage of renters are cost burdened in East Meredith, New York?

48.5% of renters in East Meredith, New York spend more than 30% of their gross income on rent, compared to the national average of 47.6%. 26.9% are severely cost burdened at 50% or more. Source: U.S. Census Bureau.

What are the best Mortgage rates in East Meredith, New York?

  • TOWN OF HEMPSTEAD EMPLOYEES: 5.88% (30 Year Fixed)
  • Actors Federal Credit Union: 5.79% (30 Year Fixed-Rate Mortgage)
  • Wells Fargo: 6.00% (30-Year Fixed-Rate VA)
  • Self Reliance NY Federal Credit Union: 6.25% (30 Year Fixed Rate Mortgage)
  • N C P D: 6.39% (30-YEAR FIXED RATE 1st MORTGAGE)
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: September 9, 2026

East Meredith, New York Rates & Resources