Home state: New York

    BEGINNINGS mortgage rates

    BEGINNINGS'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 BEGINNINGS daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from BEGINNINGS

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%7.026%0Sep 11, 2026Visit
    20 Year Fixed7%7.2%0Sep 11, 2026Visit
    15 Year Fixed6.625%6.866%0Sep 11, 2026Visit
    FHA 30 Year Fixed6.75%7.703%0Sep 11, 2026Visit
    VA 30 Year Fixed6.75%7.167%0Sep 11, 2026Visit
    USDA 30 Year Fixed6.625%7.294%0Sep 11, 2026Visit

    Rate history

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

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

    Who can join BEGINNINGS

    Membership is open to individuals who live, work, worship, attend school, or own a business in one of 33 serviced counties, as well as employees and members of affiliated Select Employer Groups. Immediate family members of eligible individuals are also welcome to join.

    Employer
    150+ Select Employer Groups (employees, volunteers, students, or members of affiliated organizations)
    Family of a member
    Spouse, Lineal ancestors (parents, grandparents), Descendants (children, grandchildren), Household members
    County
    Cayuga, NY, Cortland, NY, Madison, NY, Onondaga, NY, Ontario, NY, Seneca, NY, Tompkins, NY

    Where BEGINNINGS writes mortgages

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

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

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