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    FIRST NEW YORK mortgage rates

    FIRST NEW YORK's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.805%. We track FIRST NEW YORK daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from FIRST NEW YORK

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%7.026%0Sep 10, 2026Visit
    15 Year Fixed6.5%6.611%0Sep 10, 2026Visit
    FHA 30 Year Fixed6.625%7.572%0Sep 10, 2026Visit
    VA 30 Year Fixed6.75%7.167%0Sep 10, 2026Visit
    USDA 30 Year Fixed6.5%7.165%0Sep 10, 2026Visit
    Visit FIRST NEW YORK's rates page

    Rate history

    Lowest daily rate FIRST NEW YORK advertised for each product, 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

    Lending states not published; shown as serving its chartered area. Confirm directly with FIRST NEW YORK.

    New York

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

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