Home Mortgage Loan Ratesin New York

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in New York and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 07/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.356% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.502 Points$1,606 Points Fee
$3,601 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.439% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.550 Points$1,760 Points Fee
$2,301 Total Fees$541 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.434 Points$1,389 Points Fee
$2,184 Total Fees$795 Lender Fees
 30 Years Fixed
6.593% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.661 Points$2,115 Points Fee
$3,351 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.756% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.989 Points$3,165 Points Fee
$4,492 Total Fees$1,327 Lender Fees
 30 Years Fixed
ATTN Homebuyers: explore all your options.
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As low as 0% down options & down payment assistance
6.455% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.838 Points$2,682 Points Fee
$2,682 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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