Home state: New York

    ADVANTAGE mortgage rates

    ADVANTAGE's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track ADVANTAGE daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from ADVANTAGE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%7.035%Sep 11, 2026Visit
    20 Year Fixed7%7.21%Sep 11, 2026Visit
    15 Year Fixed6.625%6.884%Sep 11, 2026Visit
    10 Year Fixed6.625%6.989%Sep 11, 2026Visit

    Rate history

    Lowest daily rate ADVANTAGE advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join ADVANTAGE

    Membership is available to residents, worshippers, and volunteers in the City of Rochester, NY. Employees, students, and family members of many local organizations including the University of Rochester, RIT, Brockport College, and various regional healthcare systems and museums are also eligible.

    Employer
    Highland Hospital, Rochester Regional Health, University of Rochester, Hillside, Rochester School for the Deaf, City of Rochester, Town of Greece
    Association / SEG
    Brockport College, RIT, Rochester Museum and Science Center, Strong Museum, Penfield Fitness, Doug Miller Soccer, Catholic Schools
    City
    Rochester, NY

    Where ADVANTAGE writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with ADVANTAGE.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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