6.978% APR

Compare Today's Mortgage and Refinance Rates in NY

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Applied Filters: Good (720-739), 30-year fixed, Single family home, Primary residence.

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30-year fixed

EXPLORE QUOTE

on Bethpage Federal Credit Union

Bethpage Federal Credit Union: NMLS#449104

Lowest APR

Lowest monthly payment

Conventional 30-year fixed

4.0

NerdWallet rating

APR

7.295%

Interest rate

7.25%

Mo. payment

$2,729

Insurance $0

Total fees

$1,774

About this lender

Visit lender's website

Pros

Has a fully online mortgage application and a highly rated mobile app.
Offers financing for co-ops, a type of home that’s common on the East Coast.
Interest rates are on the low side, according to the latest federal data.

Cons

In-person service available only on Long Island, New York.
Doesn’t offer renovation, construction-to-permanent or USDA loans.
Customized rates not available online.

EXPLORE QUOTE

on HSBC Bank

HSBC Bank: NMLS#399799Conventional 30-year fixed

5.0

NerdWallet rating

APR

7.394%

Interest rate

7.375%

Mo. payment

$2,763

Insurance $0

Total fees

$751

About this lender

Visit lender's website

Pros

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.

Cons

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.

Trends and Insights

New York mortgage and refinance rates today (APR)

Accurate as of 05/20/2024

Product	Interest Rate	APR
30-year fixed-rate	6.902%	6.978%
20-year fixed-rate	6.545%	6.642%
15-year fixed-rate	6.027%	6.148%
10-year fixed-rate	5.656%	5.854%
7-year ARM	6.821%	7.624%
5-year ARM	6.809%	7.800%
3-year ARM	8.125%	8.355%
30-year fixed-rate FHA	6.013%	6.779%
30-year fixed-rate VA	5.958%	6.337%

Data source: ©Zillow, Inc. 2006 - 2021. Use is subject to the Terms of Use

Today's rate

6.978%

30-year fixed-rate

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Today’s mortgage rates in New York are 6.978% for a 30-year fixed, 6.148% for a 15-year fixed, and 7.800% for a 5-year adjustable-rate mortgage (ARM).

Best Mortgage Lenders

Lender	NerdWallet Rating	Min. credit score	Min. down payment	Learn more
NBKC: NMLS#409631 Learn more at NBKC at NBKC	5.0 /5 FHA loans Best for FHA and VA loans	620	3.5%	Learn more at NBKC at NBKC
Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC at Rocket Mortgage, LLC	4.0 /5 Home loans overall Best for refinancing	620	1%	Learn more at Rocket Mortgage, LLC at Rocket Mortgage, LLC
Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate at Guaranteed Rate	5.0 /5 Home loans overall Best for first-time home buyers, jumbo loans and HELOCs	620	3%	Learn more at Guaranteed Rate at Guaranteed Rate
Alliant: NMLS#197185 Read review	5.0 /5 Jumbo loans Best for jumbo loans and cash-out refinancing	620	5%	Read review
Andrews Federal Credit Union: NMLS#410421 Read review	5.0 /5 Home loans overall Best for first-time home buyers	620	3%	Read review