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    Home state: New York
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    FIRST NEW YORK mortgage rates

    FIRST NEW YORK's lowest publicly advertised 30-year fixed rate today is 7.154% APR — the national average is 7.147%. We read FIRST NEW YORK's rates every weekday, starting around 11 a.m. Central.

    We last read FIRST NEW YORK's rates page on Nov 2, 2026.

    Today's rates from FIRST NEW YORK

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.154%0Nov 2, 2026Visit
    20 Year Fixed7%7.2%0Nov 2, 2026Visit
    15 Year Fixed6.875%7.121%0Nov 2, 2026Visit
    FHA 30 Year Fixed7%7.964%0Nov 2, 2026Visit
    VA 30 Year Fixed7.125%7.555%0Nov 2, 2026Visit
    USDA 30 Year Fixed6.875%7.551%0Nov 2, 2026Visit
    Visit FIRST NEW YORK's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

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

    Who can join FIRST NEW YORK

    Membership is available to anyone who lives, works, worships, or attends school in Albany, Schenectady, Rensselaer, Saratoga, and Schoharie Counties, as well as relatives of current members.

    County
    Albany County, NY, Schenectady County, NY, Rensselaer County, NY, Saratoga County, NY, Schoharie County, NY

    Where FIRST NEW YORK writes mortgages

    FIRST NEW YORK publishes mortgage lending in 1 state.

    New York

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

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