MonitorBankRates
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Mortgage Rates Kirkwood, New York (NY) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Kirkwood, New York. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Mortgage Rates Last Updated and Verified: April 4, 2026

Current 30-year fixed mortgage rates in Kirkwood, New York include BROADVIEWBROADVIEW4 Crescent Dr, Kirkwood, NY, 13795A+5.0 ★Texas Ratio: 0.00% at 6.38%, Northfield BankNorthfield BankA+5.0 ★Texas Ratio: 1.88% at 5.25%, Dime Community BankDime Community BankA+5.0 ★Texas Ratio: 1.70% at 5.62%, SUMA Federal Credit UnionSUMA Federal Credit UnionA5.0 ★Texas Ratio: 12.20% at 5.88%, and Trouvaille Federal Credit UnionTrouvaille Federal Credit UnionA+5.0 ★Texas Ratio: 5.39% at 5.92%. Mortgage rates as of April 4, 2026 according to verified data from MonitorBankRates.

Kirkwood has 1 local lender in our database, with mortgage rates as low as 5.75% from BROADVIEW at 4 Crescent Dr, Kirkwood, NY, 13795. Use the tabs below to compare all available loan types and terms. Rates are continually updated — 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: April 4, 2026

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

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Crescent Dr, Kirkwood, NY, 13795
30-year Fixed
6.38%
6.50%
View
▼
Rate6.38%
APR6.50%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Crescent Dr, Kirkwood, NY, 13795
Mortgage 30-Year Fixed
6.38%
6.50%
View
▼
Rate6.38%
APR6.50%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
30 Year Fixed Rate Affordable Mortgage
5.25%
5.30%
View
▼
Rate5.25%
APR5.30%
Points0.000
UpdatedApr 3, 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. All loans are subject to credit approval. A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments. Rates and terms are current as 11/24/25 and are subject to change at anytime without prior notice.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
30 Year Fixed - Affordable Housing Program3
5.62%
5.72%
View
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
30 Year Fixed Mortgage
359
5.88%
5.91%
View
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
30 Year Mortgage
5.92%
5.99%
View
▼
Rate5.92%
APR5.99%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
30 Year Fixed Rate
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
30 Year Fixed with 1 Point
30
5.88%
6.01%
View
▼
Rate5.88%
APR6.01%
Points1.000
UpdatedMar 26, 2026
Details

No additional details available.

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
30 Year Fixed
30
6.00%
6.04%
View
▼
Rate6.00%
APR6.04%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
30 Year Fixed Rate
6.00%
6.06%
View
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
30 Year Fixed Rate
6.00%
6.07%
View
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
30 Year Fixed
6.00%
6.10%
View
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
30 Year Fixed
6.00%
6.12%
View
▼
Rate6.00%
APR6.12%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Gouverneur S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
30 Year Fixed
6.12%
6.13%
View
▼
Rate6.12%
APR6.13%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
30 Year Fixed - Conforming
6.00%
6.16%
View
▼
Rate6.00%
APR6.16%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
30-Year Fixed
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 28, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
30 Year Mortgages
30
6.12%
6.18%
View
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
30 Year Mortgages Purchase
30 Year
6.12%
6.18%
View
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
30-year fixed mortgage
6.22%
6.22%
View
▼
Rate6.22%
APR6.22%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
30 Year Fixed
6.00%
6.24%
View
▼
Rate6.00%
APR6.24%
Points1.000
UpdatedApr 3, 2026
Details

No additional details available.

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
30 Year Fixed Rate
360
6.12%
6.24%
View
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 27, 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.

Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
Fixed Rate 30 Year Mortgage
6.12%
6.25%
View
▼
Rate6.12%
APR6.25%
Points0.000
UpdatedApr 2, 2026
Details

As Low As

Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
30-Year Fixed
6.12%
6.26%
View
▼
Rate6.12%
APR6.26%
Points0.000
UpdatedApr 3, 2026
Details

As Low As

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
30 Year Fixed Rate
6.25%
6.26%
View
▼
Rate6.25%
APR6.26%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Sawyer Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
30-Year Fixed Rate Mortgage
30 Years
6.25%
6.30%
View
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
USDA 30 Year Fixed
5.88%
6.30%
View
▼
Rate5.88%
APR6.30%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
30 Year Fixed
6.12%
6.31%
View
▼
Rate6.12%
APR6.31%
Points0.000
UpdatedMar 24, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Biweekly 30 Year Fixed
6.25%
6.32%
View
▼
Rate6.25%
APR6.32%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
30 Year Fixed Rate
6.15%
6.33%
View
▼
Rate6.15%
APR6.33%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
30 Year Fixed Conforming*
30 Years
6.25%
6.33%
View
▼
Rate6.25%
APR6.33%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
30 Year Fixed
30
6.25%
6.34%
View
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedMar 25, 2026
Details

Rates assume a NY property

TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
30 Year Fixed
6.25%
6.35%
View
▼
Rate6.25%
APR6.35%
Points0.500
UpdatedMar 28, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30-Year Fixed Mortgage
6.38%
6.38%
View
▼
Rate6.38%
APR6.38%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
30 Year Fixed
6.25%
6.39%
View
▼
Rate6.25%
APR6.39%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
30 Year Fixed
6.38%
6.42%
View
▼
Rate6.38%
APR6.42%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
30 Year Fixed-Rate Buydowns
30 Years
6.12%
6.42%
View
▼
Rate6.12%
APR6.42%
Points2.000
UpdatedApr 2, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
30 Year Fixed
6.38%
6.44%
View
▼
Rate6.38%
APR6.44%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
Conventional 30-Year Fixed
6.38%
6.51%
View
▼
Rate6.38%
APR6.51%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30 Year Fixed
30
6.38%
6.55%
View
▼
Rate6.38%
APR6.55%
Points0.750
UpdatedMar 25, 2026
Details

As Low As

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
30-Year Fixed Rate
6.50%
6.58%
View
▼
Rate6.50%
APR6.58%
Points0.250
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
30-Year Fixed Rate
6.50%
6.61%
View
▼
Rate6.50%
APR6.61%
Points0.625
UpdatedMar 25, 2026
Details

Rates shown include 0.125% autopay and paperless discount.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
Construction Draw Loan - 30 Year Fixed
6.50%
6.61%
View
▼
Rate6.50%
APR6.61%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
30 Year Fixed (HomeReady®)*
6.62%
6.66%
View
▼
Rate6.62%
APR6.66%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
30 Year Fixed Rate
6.62%
6.66%
View
▼
Rate6.62%
APR6.66%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
30 Year Fixed Rate
30
6.77%
6.82%
View
▼
Rate6.77%
APR6.82%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
30 Year Fixed Rate
6.75%
6.82%
View
▼
Rate6.75%
APR6.82%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
2nd Home 30 Year Fixed
6.62%
6.89%
View
▼
Rate6.62%
APR6.89%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
30 Year Fixed Rate
7.00%
7.07%
View
▼
Rate7.00%
APR7.07%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Crescent Dr, Kirkwood, NY, 13795
15-year Fixed
5.75%
5.97%
View
▼
Rate5.75%
APR5.97%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
15 Year Fixed Mortgage
179
5.25%
5.31%
View
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
15 Year Fixed Rate
5.38%
5.33%
View
▼
Rate5.38%
APR5.33%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
15 Year Fixed Rate
5.50%
5.50%
View
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
15 Year Fixed Rate
5.50%
5.59%
View
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
15 Year Fixed Rate
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15-Year Fixed Mortgage
5.62%
5.62%
View
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
15 Year Fixed
15
5.62%
5.69%
View
▼
Rate5.62%
APR5.69%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
15 Year Fixed with 1 Point
15
5.50%
5.72%
View
▼
Rate5.50%
APR5.72%
Points1.000
UpdatedMar 26, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Biweekly 15 Year Fixed
5.75%
5.72%
View
▼
Rate5.75%
APR5.72%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
15 Year Fixed - Conforming
5.50%
5.76%
View
▼
Rate5.50%
APR5.76%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
15 Year Fixed
5.75%
5.82%
View
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
15 Year Fixed
5.75%
5.85%
View
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
15 Year Fixed-Rate Buydowns
15 Years
5.38%
5.85%
View
▼
Rate5.38%
APR5.85%
Points2.000
UpdatedApr 2, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15 Year Fixed
15
5.62%
5.92%
View
▼
Rate5.62%
APR5.92%
Points0.750
UpdatedMar 25, 2026
Details

As Low As

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
15 Year Fixed Rate
180
5.75%
5.93%
View
▼
Rate5.75%
APR5.93%
Points0.000
UpdatedMar 27, 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.

Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
15-Year Fixed
5.75%
5.96%
View
▼
Rate5.75%
APR5.96%
Points0.000
UpdatedApr 3, 2026
Details

As Low As

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
15-Year Fixed Rate
5.88%
5.99%
View
▼
Rate5.88%
APR5.99%
Points0.250
UpdatedMar 25, 2026
Details

Rates shown include 0.125% autopay and paperless discount.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
15-Year Fixed Rate
5.88%
6.00%
View
▼
Rate5.88%
APR6.00%
Points0.250
UpdatedMar 25, 2026
Details

No additional details available.

Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
15 Year Fixed Conforming *
15 Years
5.88%
6.00%
View
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Gouverneur S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
15 Year Fixed
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

Orange Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
15 Year Fixed
15
6.00%
6.02%
View
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15 Year Fixed Rate
6.00%
6.02%
View
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
15 Year Fixed
5.88%
6.04%
View
▼
Rate5.88%
APR6.04%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
15-Year Fixed
6.00%
6.08%
View
▼
Rate6.00%
APR6.08%
Points0.000
UpdatedMar 28, 2026
Details

As Low As

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
Conventional 15 Year Fixed
5.88%
6.09%
View
▼
Rate5.88%
APR6.09%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
15 Year Fixed Rate
6.00%
6.10%
View
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
15 Year Fixed
15
6.00%
6.15%
View
▼
Rate6.00%
APR6.15%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
15 Year Fixed Rate
5.88%
6.16%
View
▼
Rate5.88%
APR6.16%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
15 Year Fixed
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
15 Year Fixed
5.88%
6.18%
View
▼
Rate5.88%
APR6.18%
Points0.000
UpdatedMar 24, 2026
Details

No additional details available.

Sawyer Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
15-Year Fixed Rate Mortgage
15 Years
6.12%
6.21%
View
▼
Rate6.12%
APR6.21%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
15 Year Fixed
6.00%
6.23%
View
▼
Rate6.00%
APR6.23%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
15 Year Fixed Rate
6.12%
6.24%
View
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
15 Year Fixed
6.00%
6.24%
View
▼
Rate6.00%
APR6.24%
Points1.000
UpdatedMar 28, 2026
Details

No additional details available.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
15 Year Fixed
6.50%
6.53%
View
▼
Rate6.50%
APR6.53%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
15 Year Fixed - Conforming
15
7.12%
7.29%
View
▼
Rate7.12%
APR7.29%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
15-Year Fixed
7.38%
7.44%
View
▼
Rate7.38%
APR7.44%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
Mixed Use 15-year fixed term (self-liquidating)
7.50%
7.50%
View
▼
Rate7.50%
APR7.50%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Crescent Dr, Kirkwood, NY, 13795
5/6 ARM
5.38%
6.05%
View
▼
Rate5.38%
APR6.05%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Crescent Dr, Kirkwood, NY, 13795
7/6 ARM
5.88%
6.55%
View
▼
Rate5.88%
APR6.55%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
3/1 ARM
4.50%
4.61%
View
▼
Rate4.50%
APR4.61%
Points0.000
UpdatedMar 24, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
5/1 ARM
4.75%
4.86%
View
▼
Rate4.75%
APR4.86%
Points0.000
UpdatedMar 24, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
5/6 ARM
5.25%
5.61%
View
▼
Rate5.25%
APR5.61%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
7/1 ARM
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 24, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
7/1 ARM2 - Affordable Housing Program3
5.00%
5.65%
View
▼
Rate5.00%
APR5.65%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
7/6 ARM
5.38%
5.70%
View
▼
Rate5.38%
APR5.70%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
5-1 ARM
5.38%
5.75%
View
▼
Rate5.38%
APR5.75%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Sidney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
7/1 ARM
5.62%
5.75%
View
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedMar 24, 2026
Details

As Low As

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
7-1 ARM
5.50%
5.75%
View
▼
Rate5.50%
APR5.75%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
7/1 Adjustable Rate Mortgages
5.12%
5.81%
View
▼
Rate5.12%
APR5.81%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
10/1 Adjustable Rate Conforming (5) *
30 Years
5.62%
5.83%
View
▼
Rate5.62%
APR5.83%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5/6 SOFR ARM
5.62%
5.88%
View
▼
Rate5.62%
APR5.88%
Points0.500
UpdatedMar 28, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10 Year Adjustable Rate
5.50%
5.89%
View
▼
Rate5.50%
APR5.89%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
7/6 ARM: 30 Year
5.25%
5.90%
View
▼
Rate5.25%
APR5.90%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
7/1 ARM2
5.50%
5.90%
View
▼
Rate5.50%
APR5.90%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5/1 Year Adjustable
60
5.25%
5.90%
View
▼
Rate5.25%
APR5.90%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
7/1 Year Adjustable
84
5.50%
5.91%
View
▼
Rate5.50%
APR5.91%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
5/1 ARM2
5.38%
5.92%
View
▼
Rate5.38%
APR5.92%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
7/1 Adjustable Rate Conforming (4) *
30 Years
5.50%
5.94%
View
▼
Rate5.50%
APR5.94%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
5 Year Adjustable (ARM)
5.88%
5.95%
View
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
7/6 SOFR ARM
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.500
UpdatedMar 28, 2026
Details

No additional details available.

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
5/6 ARM: 30 Year
5.12%
5.98%
View
▼
Rate5.12%
APR5.98%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
15/1 Adjustable Rate Mortgages
5.75%
5.98%
View
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
Five/Six Adjustable (5/6m) Arm
5.88%
6.00%
View
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedApr 2, 2026
Details

As Low As

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
7 Year Adjustable Rate
5.38%
6.00%
View
▼
Rate5.38%
APR6.00%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
ARM-7 Year Fixed/1 Year Adjustable
5.50%
6.00%
View
▼
Rate5.50%
APR6.00%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
10/1 Adjustable Rate Mortgages
5.62%
6.01%
View
▼
Rate5.62%
APR6.01%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
Jumbo Loans 5 Year Adjustable (ARM)
6.00%
6.01%
View
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
ARM-10 Year Fixed/1 Year Adjustable
5.75%
6.03%
View
▼
Rate5.75%
APR6.03%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
ARM-5 Year Fixed/1 Year Adjustable
5.50%
6.06%
View
▼
Rate5.50%
APR6.06%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
5 Year Adjustable Rate
5.25%
6.10%
View
▼
Rate5.25%
APR6.10%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5/1 ARM
5/1
5.38%
6.11%
View
▼
Rate5.38%
APR6.11%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5/1 ARM, Primary Purchase
5.38%
6.11%
View
▼
Rate5.38%
APR6.11%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Sidney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
7/1 ARM Vacation Home
6.12%
6.11%
View
▼
Rate6.12%
APR6.11%
Points0.000
UpdatedMar 24, 2026
Details

As Low As

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
5/1 ARM
5.75%
6.11%
View
▼
Rate5.75%
APR6.11%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
7/6/30 ARM
5.38%
6.15%
View
▼
Rate5.38%
APR6.15%
Points0.000
UpdatedApr 3, 2026
Details

Example based on $400,000 loan amount with 84 payments of $2,271.16, 275 payments of $2,538.08 and 1 final payment of $2,522.83.

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
ARM-3 Year Fixed/1 Year Adjustable
5.38%
6.16%
View
▼
Rate5.38%
APR6.16%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
7/7-Year ARM
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 28, 2026
Details

As Low As; (28-Year Payout)

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5 Year Adjustable Rate - 30 Year Term
5.85%
6.18%
View
▼
Rate5.85%
APR6.18%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
7/1 ARM
6.00%
6.19%
View
▼
Rate6.00%
APR6.19%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
7 Year Adjustable (ARM)
6.12%
6.20%
View
▼
Rate6.12%
APR6.20%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1-4 Units, Adjustable Rate
5 years
5.62%
6.21%
View
▼
Rate5.62%
APR6.21%
Points0.000
UpdatedMar 28, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Walden Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
7/1 ARM
5.50%
6.21%
View
▼
Rate5.50%
APR6.21%
Points0.000
UpdatedApr 3, 2026
Details

As Low As

Walden Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Community Hero 5/5 ARM
4.88%
6.24%
View
▼
Rate4.88%
APR6.24%
Points0.000
UpdatedApr 3, 2026
Details

As Low As

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5/1 ARM
5/1
5.62%
6.25%
View
▼
Rate5.62%
APR6.25%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5/1 Adjustable Rate
5.62%
6.25%
View
▼
Rate5.62%
APR6.25%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
5/1 ARM Adjustable Rate Mortgages (ARMs)
5/1
5.62%
6.25%
View
▼
Rate5.62%
APR6.25%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
Seven/Six Adjustable (7/6m) Arm
6.12%
6.25%
View
▼
Rate6.12%
APR6.25%
Points0.000
UpdatedApr 2, 2026
Details

As Low As

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%
Jumbo Loan
5.88%
6.01%
View
▼
Rate5.88%
APR6.01%
Points1.125
UpdatedMar 28, 2026
Details

As Low As; Rates as low as 5.875% (6.007% APR)

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
Jumbo Loans 10 Year Fixed
6.00%
6.02%
View
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
Jumbo Loans 20 Year Fixed
6.12%
6.14%
View
▼
Rate6.12%
APR6.14%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
Jumbo Loans 15 Year Fixed
6.12%
6.14%
View
▼
Rate6.12%
APR6.14%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo 15-Year
15-Year
6.00%
6.19%
View
▼
Rate6.00%
APR6.19%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
Jumbo Loans 30 Year Fixed
6.38%
6.38%
View
▼
Rate6.38%
APR6.38%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Jumbo 30 Year Fixed
30
6.25%
6.39%
View
▼
Rate6.25%
APR6.39%
Points1.000
UpdatedMar 25, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
First Mortgage, Jumbo (30 Year)
6.38%
6.39%
View
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
30 Year Jumbo
6.50%
6.52%
View
▼
Rate6.50%
APR6.52%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
Jumbo 15 Year Fixed
6.50%
6.58%
View
▼
Rate6.50%
APR6.58%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
Jumbo 30 Year Fixed
6.62%
6.67%
View
▼
Rate6.62%
APR6.67%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo 30-Year
30-Year
6.75%
6.87%
View
▼
Rate6.75%
APR6.87%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Jumbo 30 Year Fixed
6.88%
6.97%
View
▼
Rate6.88%
APR6.97%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Jumbo 15 Year Fixed
7.12%
7.29%
View
▼
Rate7.12%
APR7.29%
Points0.000
UpdatedMar 29, 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%
FHA 30 Year Fixed
5.75%
6.32%
View
▼
Rate5.75%
APR6.32%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
FHA Loan
5.62%
6.51%
View
▼
Rate5.62%
APR6.51%
Points0.000
UpdatedMar 28, 2026
Details

As Low As; Rates as low as 5.625% (6.508% APR)

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
FHA 203K 30 Year Fixed
5.99%
6.78%
View
▼
Rate5.99%
APR6.78%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
FHA 30 Year Fixed
5.99%
6.78%
View
▼
Rate5.99%
APR6.78%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
FHA 15 Year Fixed
6.12%
6.98%
View
▼
Rate6.12%
APR6.98%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
FHA
6.12%
7.18%
View
▼
Rate6.12%
APR7.18%
Points0.000
UpdatedApr 3, 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%
VA Loan
5.62%
5.91%
View
▼
Rate5.62%
APR5.91%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
VA 30 Year Fixed
6.12%
6.79%
View
▼
Rate6.12%
APR6.79%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
VA 30 Year Fixed
6.38%
6.80%
View
▼
Rate6.38%
APR6.80%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
VA 15 Year Fixed
6.62%
7.38%
View
▼
Rate6.62%
APR7.38%
Points0.000
UpdatedMar 27, 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.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

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Kirkwood, NY Mortgage Rate Trends

Compare local Kirkwood, NY mortgage rate quotes against the statewide average

Daily mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full New York Mortgage Trends →
30-Year Fixed — NY Avg
6.119%
▼ 0.294 vs 7 days ago

New York 30-year fixed rates fell 0.294 points over the past 7 days to 6.119%.

15-Year Fixed — NY Avg
6.025%
▼ 0.120 vs 7 days ago

New York 15-year fixed rates fell 0.120 points over the past 7 days to 6.025%.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Kirkwood, 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 Kirkwood, 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 Kirkwood, New York

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

Your credit score is a major factor. Generally, borrowers in Kirkwood, 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 Kirkwood, 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 Kirkwood, 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 Kirkwood, 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 Kirkwood, 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 Kirkwood, New York?

  • BROADVIEW: 6.38% (30-year Fixed)
  • Northfield Bank: 5.25% (30 Year Fixed Rate Affordable Mortgage)
  • Dime Community Bank: 5.62% (30 Year Fixed - Affordable Housing Program3)
  • SUMA Federal Credit Union: 5.88% (30 Year Fixed Mortgage)
  • Trouvaille Federal Credit Union: 5.92% (30 Year 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: April 4, 2026

Kirkwood, New York Rates & Resources

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