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Compare New York’s Mortgage Rates

Rates are current as of November 7, 2026 2:50 AM EST

New York average
mortgage rates:
30-Year Fixed

APR 7.07%

+0.14% 1w
15-Year Fixed

APR 6.33%

+0.13% 1w
5-Year ARM

APR 6.84%

0.00% 1w

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Showing 4 results for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence
Reliant Home Funding

NMLS#292473

APR

6.67%

Interest rate

6.49%

0 points

Est. mo. paymentEst. payment

$2,526/mo

Upfront costs: $7,195

8-yr cost: $204,215

NW Rating

3.5/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

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.

3.5

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $7,195

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$0

Underwriting fee

$7,195

Processing fee

$0

Other fees

$0

Lender credit

$0

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $7,195

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$0

Underwriting fee

$7,195

Processing fee

$0

Other fees

$0

Lender credit

$0

8-yr cost: $204,215

Upfront lender fees + interest over the first 8 years.

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.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Real Genius

NMLS#1281698

APR

6.90%

Interest rate

6.88%

0 points

Est. mo. paymentEst. payment

$2,628/mo

Upfront costs: $1,187

8-yr cost: $210,597

NW Rating

4.5/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

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.

4.5

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $1,187

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,395

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$208

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $1,187

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,395

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$208

8-yr cost: $210,597

Upfront lender fees + interest over the first 8 years.

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.
What we don't like
  • No mobile app.
  • Home equity loans and HELOCs aren’t a priority.
  • Not currently lending in U.S. territories.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Farmers Bank of Kansas City

NMLS#613839

APR

7.00%

Interest rate

6.99%

0 points

Est. mo. paymentEst. payment

$2,659/mo

Upfront costs: $531

8-yr cost: $213,651

NW Rating

5.0/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

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.

5.0

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $531

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$795

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$264

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $531

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$795

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$264

8-yr cost: $213,651

Upfront lender fees + interest over the first 8 years.

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.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

HSBC Bank

NMLS#399799

APR

7.52%

Interest rate

7.50%

0 points

Est. mo. paymentEst. payment

$2,797/mo

Upfront costs: $698

8-yr cost: $230,309

NW Rating

5.0/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

5.0

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $698

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,215

Underwriting fee

$0

Processing fee

$0

Other fees

$95

Lender credit

-$612

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $698

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,215

Underwriting fee

$0

Processing fee

$0

Other fees

$95

Lender credit

-$612

8-yr cost: $230,309

Upfront lender fees + interest over the first 8 years.

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.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

License information

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, November 7, 2026

Last updated 2:50 AM EST
On Saturday morning, November 7, 2026, the average interest rate on a 30-year fixed-rate mortgage held steady at 7.07% APR, compared to yesterday.
The average rate on a 15-year fixed-rate mortgage held steady at 6.33% 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 13 basis points higher than one week ago and 113 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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