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Compare New York’s Mortgage Rates | Saturday, October 31, 2026

Rates are current as of October 31, 2026 8:30 AM EDT

New York average mortgage rates:
30-Year Fixed

APR 6.94%

-0.11% 1w
15-Year Fixed

APR 6.20%

-0.19% 1w
5-Year ARM

APR 6.84%

0.24% 1w
4 ResultsShowing rates for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence
License information
4 Results for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence.
Reliant Home Funding

NMLS#292473

APR

6.80%

APR

6.80%

Interest rate

6.63%

Est. mo. payment

$2,562/mo

Total fees

$7,195

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The Nerdy headline

Reliant offers a wide range of mortgage products, including government-backed loans and products for self-employed borrowers, but origination fees may be on the high side. You'll get access to a comprehensive rates dashboard after completing a quote request form.

Home loans overall

NerdWallet rating

3.5

What we like
  • Accepts VA loan borrowers with credit scores as low as 500.
  • Offers a wide variety of loan types, including USDA, co-op, vacation home and reverse mortgages.
  • Highly-rated mobile app available.
What we don't like
  • Rate dashboard is available only after you share your contact info.
  • Orgination fees are on the higher side, according to latest federal data.
  • No down payment assistance programs.
Farmers Bank of Kansas City

NMLS#613839

APR

7.38%

APR

7.38%

Interest rate

7.38%

Est. mo. payment

$2,763/mo

Total fees

$0

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The Nerdy headline

Farmers Bank of Kansas City offers a strong variety of loan types, competitive APRs, and a convenient online application experience. Their web tool for customizing sample rates makes comparison shopping easy, and access to representatives is quick via live chat.

Home loans overall

NerdWallet rating

5.0

What we like
  • Scores highly for customer experience, with a full suite of application and loan tracking features available via mobile app and online.
  • Offers some less common loan types to support self-employed borrowers and physicians.
  • APRs are more competitive than average, according to the latest federal data.
What we don't like
  • Reported average time to close of 30 days is on the long side, compared to other lenders surveyed by NerdWallet.
  • Does not offer renovation or construction loans.
Real Genius

NMLS#1281698

APR

7.49%

APR

7.49%

Interest rate

7.49%

Est. mo. payment

$2,795/mo

Total fees

$0

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The Nerdy headline

Real Genius, A Division of Luminate Bank is a smart pick for a do-it-yourself online quote. We’re impressed with its "no fine print” approach and options to sort and customize APR and fees. However, Real Genius, A Division of Luminate Bank does not have a mobile app and doesn’t currently prioritize home equity lending.

Home loans overall

NerdWallet rating

4.5

What we like
  • Easy and transparent online rate quote tool.
  • May accept borrowers with low credit scores.
  • Closes loans in an average of 30 days (faster than industry average).
What we don't like
  • Federal data isn’t available for us to objectively compare this lender with others.
  • Home equity loans and HELOCs aren’t a priority.
  • Not currently lending in U.S. territories.
HSBC Bank

NMLS#399799

APR

7.53%

APR

7.53%

Interest rate

7.50%

Est. mo. payment

$2,797/mo

Total fees

$1,170

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Home loans overall

NerdWallet rating

5.0

What we like
  • Offers an online application and loan process updates.
  • Offers mortgages for investment properties.
  • Makes it easy to browse current rates and get a customized mortgage rate quote.
What we don't like
  • Does not offer FHA or VA government-backed loans.
  • No renovation mortgage options.

About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

Today's mortgage rates in New York | Saturday, October 31, 2026

Last updated 8:30 AM EDT
On Saturday morning, October 31, 2026, the average interest rate on a 30-year fixed-rate mortgage held steady at 6.94% APR, compared to yesterday.
The average rate on a 15-year fixed-rate mortgage held steady at 6.2% APR. The average rate on a 5-year adjustable-rate mortgage held steady at 6.84% APR.
The 30-year fixed-rate mortgage rate is 11 basis points lower than one week ago and 96 basis points higher than one year ago.
A basis point is one hundredth of a percent, or 0.01%. We describe mortgage rates’ ups and downs in basis points because they simplify comparisons.
NerdWallet’s rates are expressed as an annual percentage rate, or APR, and our mortgage rates data comes from Zillow.

🤓 Kate on Rates

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Read more about the factors affecting this month's index to gauge how they might affect your homebuying plans.
Explore NerdWallet's Homebuying Climate IndexProprietary research based on the latest federal data

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