New York Refinance Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current New York refinance rates today start at 6.00% for a 30 year fixed and 5.75% for a 15 year fixed, compared with New York averages of 7.269% and 6.908%. New York mortgage refinance rates range from 4.29% to 9.88%, verified by MonitorBankRates as of October 30, 2026. Current mortgage refinance rates in New York include HSBC Bank USAHSBC Bank USA11 E Houston St, Amherst, NY, 10001A+5.0 ★Texas Ratio: 4.86%Rate verified Oct 26, 2026 at 7.75%, Peapack-Gladstone BankPeapack-Gladstone Bank1010 Franklin Ave, Garden City, NY, 10022A5.0 ★Texas Ratio: 10.32%Rate verified Oct 26, 2026 at 6.00%, Hudson River Community Credit UnionHudson River Community Credit UnionNYA+5.0 ★Texas Ratio: 5.82%Rate verified Oct 30, 2026 at 6.50%, Ridgewood Savings BankRidgewood Savings Bank1010 Hempstead Tpke, Astoria, NY, 10021A5.0 ★Texas Ratio: 9.37%Rate verified Oct 26, 2026 at 6.60%, and Ukrainian National Federal Credit UnionUkrainian National Federal Credit Union1678 E 17th St, Brooklyn, NY, 10003A5.0 ★Texas Ratio: 12.02%Rate verified Oct 29, 2026 at 6.625%. Refinance rates as of October 30, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare refinance rates across all loan types in New York side-by-side. New York refinance rates currently start as low as 6.00% from Peapack-Gladstone Bank at 1010 Franklin Ave, Garden City, NY, 10022. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to New York homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 30, 2026
Compare Refinance Rates Today in New York
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local New York lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
New York 30 Year Fixed Refinance Rates
Conforming mortgage refinance; Rates shown for NY counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie)
- Oct 26, 20267.87%▲ from 7.86%
- Oct 20, 20267.86%▼ from 7.90%
- Oct 14, 20267.90%first recorded
Rate Lock Days: 120; Discount: Reduce Interest Rate by 0.500% for properties purchased in 50% Majority-Minority, Low Income, or Moderate Income Census Tracts and Affordable Units purchased through an approved Affordable Housing agency; Rate quoted with $2,500.00 closing cost credit per footnote
Purchase or Refinance; Balance: 50K or more, up to 60% LTV, 740+ Credit Score; Rates include a discount of .25% APR for Auto Pay from an HRCCU Account
CPM/Initial Rate: $6.39; Current Fully Indexed Rate: N/A; CPM/Current Fully Indexed Rate: N/A; On any SONYMA loan where the applicant requested a Down Payment Assistant Loan (DPAL), add .40% to the rate
As Low As; Up to 1.0 points**; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
Effective 10/26/26
1 to 4 Family, Condo, Co-op; Rates effective as of 10/20/2026; Good Move Mortgage for owner-occupied properties in NYC, Nassau, Westchester, Suffolk, Putnam, Rockland and Fairfield Counties; Income Limits Apply
Payment per $1,000: $6.49; based on $200,000 loan, $334,000 primary residence, rate/term refinance, 60-day rate lock, includes tax and homeowner's insurance escrows, 780+ credit score
- Oct 30, 20266.88%▼ from 7.01%
- Oct 26, 20267.01%first recorded
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
As Low As; Rates may include points.
- Oct 26, 20267.00%▼ from 7.13%
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
No additional details available.
- Oct 26, 20267.06%▼ from 7.16%
- Oct 20, 20267.16%first recorded
CPM/Initial Rate: $6.65; Current Fully Indexed Rate: N/A; CPM/Current Fully Indexed Rate: N/A
Effective 10/26/26
Payment per $1,000: $6.65
- Oct 30, 20267.11%▼ from 7.24%
- Oct 26, 20267.24%first recorded
As Low As; Rate as low as 7.000%, APR as low as 7.122%; Actual rate may vary based on credit worthiness and down payment
- Oct 30, 20267.12%▼ from 7.25%
- Oct 19, 20267.25%▼ from 7.37%
- Oct 14, 20267.37%▼ from 7.50%
- Oct 1, 20267.50%▲ from 7.37%
As Low As; Rates based on purchase or no cash out refinance; NY State only
- Oct 30, 20267.13%▼ from 7.29%
- Oct 26, 20267.29%▼ from 7.42%
- Oct 14, 20267.42%▼ from 7.54%
- Oct 10, 20267.54%▼ from 7.67%
Owner Occupied
- Oct 28, 20267.14%▼ from 7.39%
- Oct 12, 20267.39%first recorded
As Low As; Payment: 6,653.02 (payment column not a rate)
- Oct 30, 20267.14%▼ from 7.33%
- Sep 27, 20267.33%first recorded
Maximum loan to value: 97%; Maximum loan amount: $766,550; Monthly payment per $1,000 borrowed: $7.14
Monthly P&I per $1,000: $6.74; APR as low as; APR based on $100,000 loan amount at 80% loan to value; Rates effective as of 10/20/2026
- Oct 26, 20267.15%▼ from 7.40%
- Oct 10, 20267.40%first recorded
Owner Occupied
- Oct 28, 20267.17%▼ from 7.42%
- Oct 12, 20267.42%▲ from 6.79%
- Sep 17, 20266.79%▲ from 6.67%
- Sep 14, 20266.67%first recorded
Payment per $1,000: $6.57
Mortgage Rates; Apply Online
- Oct 26, 20267.18%▼ from 7.43%
- Oct 14, 20267.43%▼ from 7.56%
- Oct 1, 20267.56%▲ from 7.43%
- Sep 27, 20267.43%▲ from 7.18%
Purchase mortgage; Rate: 7.125%, APR: 7.187%
- Oct 1, 20267.19%▲ from 6.94%
- Sep 19, 20266.94%first recorded
Fixed Rate Products; Mortgages
- Oct 29, 20267.19%▼ from 7.44%
- Sep 29, 20267.44%first recorded
As Low As; Payment: 1,596.73
- Oct 30, 20267.19%▼ from 7.32%
- Oct 19, 20267.32%▲ from 7.07%
- Sep 18, 20267.07%first recorded
As Low As; Advertised APR assumes approx. 2.000 points due at closing; Purchase loan $225,000; estimated property value $375,000; property in NY (Erie county); existing single family home; primary residence; escrow (impound) account required; 60-day rate lock; assumed credit score 740
As Low As; Home Loans
Rates assume a NY property; Estimated Monthly Payment (P & I) $1,684.30; Excludes taxes and hazard insurance
- Oct 26, 20267.22%▼ from 7.47%
- Oct 20, 20267.47%first recorded
Biweekly Fixed Rate Products; Mortgage; APR*=Annual Percentage Rate; All loans subject to approval
- Oct 29, 20267.22%▼ from 7.48%
- Oct 15, 20267.48%▼ from 7.60%
- Oct 13, 20267.60%▲ from 7.10%
- Sep 18, 20267.10%first recorded
Rates effective as of 10/29/2026; APR assumes $300,000 loan, FICO 760+, owner-occupied single-family in NY, LTV 80% or less
- Oct 30, 20267.25%▼ from 7.41%
- Oct 19, 20267.41%▼ from 7.53%
- Oct 14, 20267.53%first recorded
No additional details available.
No additional details available.
No additional details available.
- Oct 27, 20267.30%▼ from 7.56%
- Oct 22, 20267.56%first recorded
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), primary residence, escrow required, 60-day rate lock, 740 credit score assumed
As Low As; Rates as low as 6.875%; loan amount $225,000; estimated property value $375,000; purchase; NY (Erie county); existing single family primary residence; escrow required; 60 day rate lock; assumed credit score 740
$750,000; Rates current as of 10/21/2026
Loan amounts up to $806,500; Conforming
Loan Amount: $250,000.01 - $500,000.00
- Oct 26, 20267.35%▼ from 7.47%
- Oct 20, 20267.47%▼ from 7.73%
- Oct 14, 20267.73%▲ from 7.69%
- Oct 11, 20267.69%▲ from 7.57%
Loan Amount: $200,000.01 - $250,000.00
- Oct 26, 20267.35%▼ from 7.48%
- Oct 20, 20267.48%▼ from 7.74%
- Oct 14, 20267.74%▲ from 7.70%
- Oct 11, 20267.70%▲ from 7.58%
Loan Amount: $150,000.01 - $200,000.00
- Oct 26, 20267.37%▼ from 7.50%
- Oct 20, 20267.50%▼ from 7.57%
- Oct 11, 20267.57%▼ from 7.59%
- Oct 7, 20267.59%▲ from 7.19%
Discount points option
Under $750,000; Rates current as of 10/21/2026
Loan Amount: Up to $150,000.00
- Oct 26, 20267.40%▼ from 7.52%
- Oct 20, 20267.52%▼ from 7.60%
- Oct 11, 20267.60%▲ from 7.49%
- Oct 7, 20267.49%▲ from 7.19%
Conforming Loans; Loan amounts up to $832,750; Effective: 10/29/2026
- Oct 26, 20267.41%▲ from 7.28%
- Oct 19, 20267.28%first recorded
Advertised rates assume credit score 740; available in CT, MA, NY and RI; ALPA discount of 0.125% available
- Oct 26, 20267.42%▼ from 7.54%
- Oct 22, 20267.54%first recorded
Effective 10/26/2026; Rate assumes purchase of primary residence, single-family property; advertised rates assume credit score of 740; rates discounted 0.125% with Automatic Loan Payment Agreement (ALPA)
- Oct 26, 20267.42%▼ from 7.54%
- Oct 22, 20267.54%first recorded
Payment per $1,000: $6.57
Mortgage refinance; conforming; rates include 0.125% autopay and paperless discount; based on $300,000 loan
Loans up to $750,000; Fixed Rate Mortgage; Rates effective as of 10/20/2026; Rates $750,001 - $1,500,000 add 0.125% to the base rate; owner occupied properties in NYC, Nassau, Westchester, Suffolk, Putnam, Rockland and Fairfield Counties
New York 15 Year Fixed Refinance Rates
Conforming mortgage refinance; Rates shown for NY counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie)
- Oct 26, 20267.12%▼ from 7.25%
- Oct 20, 20267.25%▼ from 7.50%
- Oct 14, 20267.50%first recorded
Purchase or Refinance; Balance: 50K or more, up to 60% LTV, 740+ Credit Score; Rates include a discount of .25% APR for Auto Pay from an HRCCU Account
As Low As; Up to 1.0 points**; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
As Low As; Both traditional and short-term options available. Rates may include points.
- Oct 19, 20266.38%▼ from 6.50%
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Maximum loan to value: 97%; Maximum loan amount: $766,550; Monthly payment per $1,000 borrowed: $8.64
Biweekly Fixed Rate Products; Mortgage; APR*=Annual Percentage Rate; All loans subject to approval
- Oct 13, 20266.51%▲ from 5.76%
- Sep 18, 20265.76%first recorded
Fixed Rate Products; Mortgages
- Oct 29, 20266.52%▲ from 6.40%
- Sep 29, 20266.40%first recorded
No additional details available.
- Oct 30, 20266.61%▼ from 6.99%
- Sep 27, 20266.99%▲ from 6.74%
- Sep 22, 20266.74%▲ from 6.36%
- Sep 14, 20266.36%first recorded
CPM/Initial Rate: $8.71; Current Fully Indexed Rate: N/A; CPM/Current Fully Indexed Rate: N/A
As Low As; Payment: 2,074.20
- Oct 30, 20266.66%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.28%
- Sep 14, 20266.28%first recorded
Monthly P&I per $1,000: $8.78; APR as low as; APR based on $100,000 loan amount at 80% loan to value; Rates effective as of 10/20/2026
- Oct 30, 20266.66%▼ from 6.66%
- Oct 26, 20266.66%▼ from 6.76%
- Oct 10, 20266.76%first recorded
Owner Occupied
- Oct 28, 20266.69%▼ from 6.94%
- Oct 12, 20266.94%▲ from 6.32%
- Sep 17, 20266.32%▲ from 6.19%
- Sep 14, 20266.19%first recorded
Mortgage Rates; Apply Online
- Oct 26, 20266.71%▼ from 6.84%
- Oct 14, 20266.84%▼ from 6.96%
- Oct 2, 20266.96%▲ from 6.84%
- Sep 27, 20266.84%▲ from 6.59%
As Low As; Rate shown on homepage promo card
- Oct 29, 20266.72%▼ from 6.80%
- Oct 13, 20266.80%first recorded
Owner Occupied
- Oct 28, 20266.72%▼ from 6.98%
- Oct 12, 20266.98%first recorded
Conforming Loans; Loan amounts up to $832,750; Effective: 10/29/2026
- Oct 30, 20266.80%▼ from 6.93%
- Oct 26, 20266.93%▲ from 6.68%
- Oct 19, 20266.68%first recorded
Advertised rates assume credit score 740; available in CT, MA, NY and RI; ALPA discount of 0.125% available
Effective 10/26/2026; Rate assumes purchase of primary residence, single-family property; advertised rates assume credit score of 740; rates discounted 0.125% with Automatic Loan Payment Agreement (ALPA)
No additional details available.
Rates effective as of 10/29/2026; APR assumes $300,000 loan, FICO 760+, owner-occupied single-family in NY, LTV 80% or less
- Oct 30, 20266.88%▼ from 7.00%
- Oct 19, 20267.00%▼ from 7.23%
- Oct 14, 20267.23%first recorded
No additional details available.
$750,000; Rates current as of 10/21/2026
Conforming mortgage; Rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie); Based on 80% LTV, 740 credit score, 60-day lock
Conforming mortgage; 80% LTV, 740 credit score, 60-day rate lock; rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie)
- Oct 26, 20266.89%▼ from 7.26%
- Oct 7, 20267.26%▲ from 6.87%
- Sep 18, 20266.87%first recorded
Loan amounts up to $806,500; Conforming
Mortgage refinance; conforming; rates include 0.125% autopay and paperless discount; based on $300,000 loan
Effective 10/26/26
Interest rate not published; APR shown on page
- Oct 19, 20266.97%▼ from 7.09%
- Oct 10, 20267.09%▼ from 7.22%
- Oct 1, 20267.22%▲ from 7.09%
- Sep 27, 20267.09%▲ from 6.84%
Payment per $1,000: $8.85; based on $200,000 loan, $334,000 primary residence, rate/term refinance, 60-day rate lock, includes tax and homeowner's insurance escrows, 780+ credit score
Under $750,000; Rates current as of 10/21/2026
As Low As; Home Loans
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
As Low As; Advertised APR assumes approx. 2.000 points due at closing; Purchase loan $225,000; estimated property value $375,000; property in NY (Erie county); existing single family home; primary residence; escrow (impound) account required; 60-day rate lock; assumed credit score 740
As Low As; Prepaid Fin. Charge: $8,517.88; Assumptions: Loan Amount $350,000, 60% LTV, Minimum FICO 720; as of 10/26/2026 10:43 AM
- Oct 26, 20267.02%▼ from 7.15%
- Oct 20, 20267.15%first recorded
Estimated Monthly Payment (P & I) $2,229.64; Excludes taxes and hazard insurance
Loans up to $750,000; Fixed Rate Mortgage; Rates effective as of 10/20/2026; Rates $750,001 - $1,500,000 add 0.125% to the base rate; owner occupied properties in NYC, Nassau, Westchester, Suffolk, Putnam, Rockland and Fairfield Counties
No additional details available.
- Oct 27, 20267.09%▼ from 7.21%
- Oct 22, 20267.21%first recorded
Initial rate; Margin 2.250%; Rate change frequency after initial period: Annually; Max per adjustment cap 2.00%; Lifetime cap 5.00%; Index 1 Yr - CMT; Floor 3.00%; Monthly payment example $905.83
- Oct 28, 20267.11%▲ from 6.70%
- Oct 22, 20266.70%first recorded
No additional details available.
- Oct 29, 20267.12%▼ from 7.25%
- Oct 23, 20267.25%first recorded
As Low As; Up to 1.0 points; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
Today's Mortgage Rates
- Oct 26, 20267.14%▼ from 7.39%
- Oct 14, 20267.39%first recorded
Published rate range: 7.125%-8.125%. Zero Points; APR based on lowest rate
- Oct 15, 20267.16%▲ from 6.92%
- Oct 13, 20266.92%first recorded
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), primary residence, escrow required, 60-day rate lock, 740 credit score assumed
As Low As; Rates as low as 6.500%; loan amount $225,000; estimated property value $375,000; purchase; NY (Erie county); existing single family primary residence; escrow required; 60 day rate lock; assumed credit score 740
Initial rate; Margin 2.250%; Rate change frequency after initial period: Annually; Max per adjustment cap 2.00%; Lifetime cap 5.00%; Index 1 Yr - CMT; Floor 3.00%; Monthly payment example $912.86
- Oct 28, 20267.27%▲ from 6.81%
- Oct 22, 20266.81%first recorded
No additional details available.
Effective APR; Rates effective October 16, 2026 to October 31, 2026; Monthly payment example $1,825.73 on $200,000 loan
Rates effective October 16, 2026 to October 31, 2026; Effective APR based on final loan amount and applicable finance charges
Jovia Financial is not the lender for FHA or VA products
- Oct 20, 20267.58%▼ from 7.69%
- Oct 14, 20267.69%▲ from 7.66%
- Oct 7, 20267.66%▲ from 7.51%
- Sep 15, 20267.51%first recorded
Jovia Financial is not the lender for FHA or VA products
New York 5/1 ARM Refinance Rates
Initial APR; footnote: APR assumes 30-year term, 2/6 caps, $300,000 loan, 80% LTV, 1% origination fee
Base Rate 5.000%; Initial APR 5.114%; 30-year term, 2% annual / 6% lifetime caps
- Oct 23, 20265.11%▲ from 4.61%
- Oct 13, 20264.61%first recorded
Index: WSP + 0%
As Low As; Rate as low as 5.750%, APR as low as 5.872%; Actual rate may vary based on credit worthiness and down payment
- Oct 30, 20265.87%▼ from 6.00%
- Oct 19, 20266.00%▼ from 6.12%
- Oct 14, 20266.12%▼ from 6.25%
- Oct 1, 20266.25%▲ from 6.12%
As Low As; Up to 1.0 points**; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available. Rates may include points.
- Oct 26, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
Initial rate range: 5.90 - 6.25; First lien owner-occupied residential real estate, mortgage amounts of $500,000 or less
- Oct 5, 20265.90%▲ from 5.60%
- Sep 17, 20265.60%▲ from 5.15%
- Sep 14, 20265.15%first recorded
Initial rate range: 6.00 - 6.35; First lien owner-occupied residential real estate, mortgage amounts of $500,000 or less
- Oct 5, 20266.00%▲ from 5.75%
- Sep 17, 20265.75%▲ from 5.45%
- Sep 14, 20265.45%first recorded
Adjustable Rate Mortgage
- Oct 29, 20266.20%▼ from 6.25%
- Oct 13, 20266.25%▼ from 7.03%
- Oct 2, 20267.03%first recorded
Interest rates as of 10/13/2026
Variable rate; may change after account opening; Apply Online
- Oct 26, 20266.38%▼ from 6.43%
- Oct 19, 20266.43%first recorded
Trustco Bank First Mortgage; You Don't Have to Pay Points!
- Oct 1, 20266.45%▲ from 6.35%
- Sep 24, 20266.35%▲ from 6.20%
- Sep 19, 20266.20%first recorded
First 5 Years; Rate may adjust every year; Rate current as of 9/30/2026; Owner-occupied primary residence loans of $15,000 - $1,000,000, up to 75% LTV; Lifetime rate cap of 6.00% above intro rate; Rate discounted 0.25% with Trustco Auto Pay Program; Low closing costs; No borrower paid PMI; No appraisal fee; No real estate tax escrow required
First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%; Fixed for first 5 years, then adjusts every six months; Effective 10/29/2026
- Oct 30, 20266.49%▲ from 6.48%
- Oct 19, 20266.48%first recorded
Fixed for first 5 years, then adjusts bi-annually; First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%; Rates effective as of 10/29/2026
- Oct 30, 20266.49%▲ from 6.48%
- Oct 19, 20266.48%first recorded
Adjustable Rate Mortgage; initial period 60 months at 5.750% with payment $1,015.93; after 60 months rate may adjust to 11.250% (est. payment $1,537.36); Minimum loan amount $25,000.00; Purchase or Refinance: 90 day rate lock; Payment does not include property taxes and insurance
- Oct 1, 20266.50%▲ from 6.23%
- Sep 27, 20266.23%first recorded
As Low As; 5/6 ARM is a variable rate loan; APR assumes 20% down, 30 day rate lock, $200,000.00 loan amount
Jumbo adjustable rate mortgage; based on 65% LTV, credit score 740, 15 days prepaid interest, 60-day rate lock; New York only
Initial rate range: 6.75 - 7.10; First lien owner-occupied residential real estate, mortgage amounts of $500,000 or less; only available for first-lien residential owner-occupied property of four units or less
- Sep 17, 20266.75%▲ from 6.45%
- Sep 14, 20266.45%first recorded
Payment per $1,000: $6.16; 6.25% simple interest rate, 6.789% APR good for 5 years; rate caps after year 5 per footnote
- Oct 30, 20266.79%▼ from 6.91%
- Oct 26, 20266.91%▲ from 6.79%
- Oct 19, 20266.79%▼ from 7.04%
- Oct 14, 20267.04%▼ from 7.16%
Effective 10/26/26
Effective 10/26/26
As Low As; Initial fixed period 5 years, then adjusts annually; Estimated Monthly Payment (P & I) $1,559.67 (See payment example); Excludes taxes and hazard insurance
- Oct 26, 20266.84%▼ from 6.86%
- Oct 20, 20266.86%▼ from 6.90%
- Oct 14, 20266.90%first recorded
Conform / Jumbo: Up to $806,500; No points; No prepayment penalty
- Oct 5, 20266.86%▲ from 6.74%
- Sep 14, 20266.74%first recorded
Payment per $1,000: $6.24
- Oct 30, 20266.87%▼ from 7.00%
- Oct 26, 20267.00%▲ from 6.87%
- Oct 19, 20266.87%▼ from 7.12%
- Oct 14, 20267.12%▼ from 7.25%
Maximum loan to value: 80%; Maximum loan amount: $766,550; Rate fixed for 5 years, then adjusts annually based on 1 year Treasury index plus margin
Initial rate; Margin 2.250%; Rate change frequency after initial period: Annually; Max per adjustment cap 2.00%; Lifetime cap 5.00%; Index 1 Yr - CMT; Floor 3.00%; Monthly payment example $656.93
- Oct 28, 20266.90%▲ from 6.78%
- Oct 22, 20266.78%first recorded
Rates as of 10/26/2026; Introductory rate fixed for first 5 years, then adjusts every 6 months based on 30-day compounded average SOFR; 2% cap at first adjustment, 1% thereafter; life of loan cap +/-5%; floor 2.50%; margin 2.50%
As Low As; w/ 1.000 Points; Payment: 1,419.69
- Oct 30, 20266.94%▼ from 6.98%
- Oct 19, 20266.98%first recorded
Adjustable Mortgage; Maximum Loan to Value: 89%; Effective date: October 23, 2026
- Oct 26, 20266.97%▲ from 6.72%
- Oct 7, 20266.72%first recorded
Maximum Loan to Value: 89%; Effective date: October 19, 2026
- Oct 21, 20266.97%▲ from 6.67%
- Sep 24, 20266.67%▲ from 6.62%
- Sep 15, 20266.62%first recorded
CPM/Initial Rate: $6.08; Current Fully Indexed Rate: 7.375%; CPM/Current Fully Indexed Rate: $6.91; Annual cap on 5/1 Adjustable Products is 2%; Lifetime cap is 6% over the initial interest rate
$750,000; Adjustable-Rate Mortgage; Payment Period: 30 Years (cell blank); Loan Amount: $750,000 & Over; Rates adjust after the 5th year; Rate includes 0.25% autopay discount
Type: 5/1/30; NY Only; APR* as low as (0 pts.)
- Oct 23, 20267.00%▼ from 7.13%
- Oct 12, 20267.13%first recorded
As Low As; Prepaid Fin. Charge: $2,485.94; Fixed for 5 years then adjusts every 5 years; Index: 5 Year CMT; Assumptions: Loan Amount $350,000, 60% LTV, Minimum FICO 720; as of 10/26/2026 10:50 AM
As Low As; Construction loan with 1-year interest-only period followed by 30-year term; Prepaid Fin. Charge: $2,900.00; Assumptions: Loan Amount $350,000, 60% LTV, Minimum FICO 720
Under $750,000; Adjustable-Rate Mortgage; Payment Period: 30 Years (cell blank); Loan Amount: Under $750,000; Rates adjust after the 5th year; Rate includes 0.25% autopay discount
As Low As; Fixed for 5 years, then may increase every 1 year; Prepaid Fin. Charge: $3,126.91; Assumptions: Loan Amount $350,000, 60% LTV, Minimum FICO 720; as of 10/26/2026 10:43 AM
CPM/Initial Rate: $6.49; Current Fully Indexed Rate: 7.375%; CPM/Current Fully Indexed Rate: $6.91; Annual cap is 5% at first adjustment and 2% thereafter; Lifetime cap is 6% over the initial interest rate
Mortgage Rates; Price per Thousand: $6.65
Conform / Jumbo: Over $806,500; No points; No prepayment penalty
- Oct 5, 20267.06%▲ from 6.74%
- Sep 14, 20266.74%first recorded
As Low As; Home Loans
Rates/APR accurate as of 10/28/2026
- Oct 29, 20267.08%▼ from 7.14%
- Oct 23, 20267.14%▼ from 7.24%
- Oct 12, 20267.24%first recorded
As Low As; Prepaid Fin. Charge: $2,521.18; Fixed for 5 years then adjusts every 5 years; Index: 5 Year CMT; Assumptions: Loan Amount $350,000, 60% LTV, Minimum FICO 720; as of 10/26/2026 10:50 AM
Loans up to $750,000; Current Fully Indexed Rate: 7.375%; CPM/Initial Rate: $6.32; CPM/Current Fully Indexed Rate: $6.91; Rates effective as of 10/20/2026; Rates $750,001 - $1,500,000 add 0.125% to the base rate
Type: 5/1/30; APR* as low as (0 pts.)
As Low As; Up to 1.0 points; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
Preferred rate (*) offered with checking account for automatic monthly payment deduction; Cap Per Adj 1.50%; Lifetime Cap 12.250%; Margin 2.75%; Monthly P & I Payment per $1,000 $6.16; Payment based on maximum term of 30 years; Mortgage rates apply to requests of $832,750 or less; APR based on $250,000 loan
5/1 ARM; Initial rate asterisked on page; Cap Per Adj 1.50%; Lifetime Cap 12.250%; Margin 2.75%; Floor set at initial interest rate; Payment per $1,000 based on maximum term of 30 years
Initial rate marked with *; Cap Per Adj 1.50%; Lifetime Cap 12.250%; Margin 2.75%; Monthly P & I Payment per $1,000 $6.16; Payment based on maximum term of 30 years; Floor set at initial interest rate; APR may increase after loan consummation
New York 30-Year Jumbo Refinance Rates
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.51%▼ from 6.64%
- Oct 19, 20266.64%▲ from 6.26%
- Sep 22, 20266.26%first recorded
Effective date 10/26/2026; Jumbo fixed rate; assumes loan amount of $832,751 or greater
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.76%▼ from 7.01%
- Oct 19, 20267.01%▲ from 6.76%
- Sep 22, 20266.76%first recorded
As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Jumbo mortgage; 65% LTV, 740 credit score, 60-day lock; New York rates only
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.89%▼ from 7.14%
- Oct 19, 20267.14%▲ from 6.89%
- Sep 22, 20266.89%first recorded
Jumbo mortgage; 65% LTV, 740 credit score, 60-day lock; New York rates only
Jumbo loan; Apply Online
- Oct 26, 20267.14%▼ from 7.39%
- Oct 14, 20267.39%▼ from 7.52%
- Oct 1, 20267.52%▲ from 7.39%
- Sep 27, 20267.39%▲ from 7.14%
No additional details available.
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.21%▼ from 7.46%
- Oct 22, 20267.46%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.33%▼ from 7.46%
- Oct 22, 20267.46%first recorded
Jumbo fixed; payment assumes $1,000,000 loan; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.45%▼ from 7.46%
- Oct 22, 20267.46%first recorded
No additional details available.
- Oct 26, 20267.52%▼ from 7.64%
- Oct 20, 20267.64%first recorded
Jumbo; Interest Rate then APR
- Oct 19, 20267.60%▼ from 7.63%
- Oct 13, 20267.63%first recorded
Jumbo mortgage; 65% LTV, 740 credit score, 60-day lock; New York rates only
As Low As; Exclusive for Servicemembers, Reservists and Veterans who have exhausted their VA loan benefit; no down payment required; Rates as of Oct 26, 2026 ET
- Oct 26, 20268.22%▼ from 8.35%
- Oct 20, 20268.35%first recorded
Interest Rates As Low As; Jumbo loan; Down payment 0%; 720 FICO; single-family primary residence; Rates as of Oct 26, 2026 ET
- Oct 26, 20268.35%▼ from 8.48%
- Oct 20, 20268.48%▼ from 8.61%
- Oct 1, 20268.61%first recorded
New York 15-Year Jumbo Refinance Rates
Effective date 10/26/2026; Jumbo fixed rate; assumes loan amount of $832,751 or greater
Jumbo loan; Apply Online
- Oct 26, 20266.28%▼ from 6.40%
- Oct 14, 20266.40%▼ from 6.53%
- Oct 2, 20266.53%▲ from 6.40%
- Sep 27, 20266.40%▲ from 6.15%
Jumbo fixed; payment assumes $1,000,000 loan; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.74%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.75%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; Rates quoted for owner occupied properties only
No additional details available.
- Oct 26, 20266.85%▼ from 6.97%
- Oct 20, 20266.97%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.87%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo; Interest Rate then APR
- Oct 29, 20266.94%▼ from 7.23%
- Oct 26, 20267.23%▲ from 7.20%
- Oct 19, 20267.20%▼ from 7.23%
- Oct 13, 20267.23%first recorded
New York 5/1 Jumbo ARM Refinance Rates
Interest rates as of 10/13/2026
Jumbo mortgage; 65% LTV, 740 credit score, 60-day lock; New York rates only
As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
New York FHA Loan Rates
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), primary residence, escrow required, 60-day rate lock, 740 credit score assumed
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), primary residence, escrow required, 60-day rate lock, 740 credit score assumed
Payment per $1,000: $6.57
FHA loan
Jovia Financial is not the lender for FHA or VA products
Jovia Financial is not the lender for FHA or VA products
- Oct 20, 20267.82%▼ from 8.34%
- Oct 14, 20268.34%▲ from 7.82%
- Oct 7, 20267.82%▲ from 7.31%
- Sep 15, 20267.31%first recorded
Jovia Financial is not the lender for FHA or VA products
As Low As; Estimated monthly payment (P&I, excludes taxes and hazard insurance): $1,684.30; Discount points: 0.00 ($0); Assumes purchase LTV 75% or less, rate lock 60 days or less, credit score 780 or above
- Oct 26, 20267.93%▼ from 8.06%
- Oct 20, 20268.06%first recorded
No additional details available.
- Oct 26, 20268.07%▼ from 8.20%
- Oct 20, 20268.20%▼ from 8.33%
- Oct 11, 20268.33%▼ from 8.71%
- Oct 1, 20268.71%▲ from 8.33%
As Low As; Estimated monthly payment (P&I, excludes taxes and hazard insurance): $2,282.16; Discount points: 0.00 ($0); Assumes purchase LTV 75% or less, rate lock 60 days or less, credit score 780 or above
New York VA Loan Rates
Variable rate tied to TD Mortgage Prime Rate
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
As Low As; Rates as low as 6.500%; loan amount $225,000; estimated property value $375,000; purchase; NY (Erie county); existing single family primary residence; escrow required; 60 day rate lock; assumed credit score 740
As Low As; Rates as low as 6.875%; loan amount $225,000; estimated property value $375,000; purchase; NY (Erie county); existing single family primary residence; escrow required; 60 day rate lock; assumed credit score 740
Jovia Financial is not the lender for FHA or VA products
- Oct 20, 20267.58%▼ from 7.69%
- Oct 14, 20267.69%▲ from 7.66%
- Oct 7, 20267.66%▲ from 7.51%
- Sep 15, 20267.51%first recorded
Payment per $1,000: $6.65
- Oct 30, 20267.66%▼ from 7.79%
- Oct 26, 20267.79%first recorded
Jovia Financial is not the lender for FHA or VA products
- Oct 20, 20267.96%▼ from 7.99%
- Oct 14, 20267.99%▲ from 7.96%
- Oct 7, 20267.96%▲ from 7.19%
- Sep 15, 20267.19%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 31, 2026. Use these as the benchmark for the New York quotes above; lenders that price refinances separately currently run about 0.189 points higher.
New York Refinance Rate Trends
Compare local New York refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a New York refinance quote should be measured against, plus roughly 0.189 points at lenders that price refinances separately.
New York 30-year fixed rates fell 0.043 points over the past 7 days to 7.269%.
New York 15-year fixed rates fell 0.003 points over the past 7 days to 6.908%.
What New York Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
New York Refinance Rate Forecast, Next 12 Months
Where are New York refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for New York Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $339,040 (80% of the state median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (NY avg) | 7.269% | $2,317 | 32.3% | |
| 6-Month Forecast | 7.269% (6.92, 7.57%) | $2,317 | +$0/mo | 32.3% |
| 12-Month Forecast | 7.519% (7.17, 7.82%) | $2,375 | +$58/mo | 33.1% |
Income column = annual mortgage payment as % of New York median household income ($85,974). Above 30% is generally considered cost-burdened.
New York Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current New York rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your New York Refinance
The rate is only part of the decision. Use these calculators to turn current New York home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
If you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current New York home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current New York rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans Available in New York
Homeowners across New York can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every New York lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s New York average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in New York usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in New York quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming baseline in New York is $832,750 for most counties, higher in designated high-cost areas. A refinance above the county limit is a jumbo loan, priced and underwritten lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New York refinance 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 Refinance Rate Data: We aggregate mortgage and refinance rates for New York directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in New York. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance 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.
Refinance Product Information
How a Mortgage Refinance Works
A refinance pays off your current mortgage with a new loan on the same New York home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
Refinance Rates vs. Purchase Rates
Most New York banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our New York mortgage rates page. For example, HSBC Bank USA is listing a Conforming Mortgage Refinance - 30 Year Fixed Rate at 7.75% for either purpose. Some lenders price refinances separately and list them by name, such as HSBC Bank USA’s Conforming Mortgage Refinance - 15 Year Fixed Rate at 7.00%. Across lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break Even Point
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A New York homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs
Refinance closing costs in New York typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When to Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our New York refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in New York
What are refinance rates in New York today?
What are home loan refinance rates in New York (NY) today?
Are refinance rates higher than purchase mortgage rates in New York?
When does refinancing make sense in New York?
How soon can I refinance a mortgage in New York?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in New York?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I compare refinance lenders in New York?
How do I get refinance quotes in New York?
What are the best refinance rates in New York?
- HSBC Bank USA: 7.75% (Conforming Mortgage Refinance - 30 Year Fixed Rate)
- Peapack-Gladstone Bank: 6.00% (30 Year Fixed-Affordable Housing)
- Hudson River Community Credit Union: 6.50% (Mortgage - 30-year fixed)
- Ridgewood Savings Bank: 6.60% (SONYMA (Achieve the Dream) - 30 Year Fixed)
- Ukrainian National Federal Credit Union: 6.625% (First Mortgage - 30 year fixed (not offered on co-ops))
New York Rates & Resources
Home Refinance Rates by City in New York (NY)
