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    FIRST SOURCE mortgage rates

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

    We last read FIRST SOURCE's rates page on Nov 2, 2026. FIRST SOURCE dates its published rate sheet Nov 2, 2026.

    Today's rates from FIRST SOURCE

    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
    15 Year Fixed Refinance6.875%7.121%0Nov 2, 2026Visit
    20 Year Fixed Refinance7%7.2%0Nov 2, 2026Visit
    30 Year Fixed Refinance7%7.154%0Nov 2, 2026Visit
    FHA 30 Year Fixed Refinance7%7.964%0Nov 2, 2026Visit
    USDA 30 Year Fixed Refinance6.875%7.551%0Nov 2, 2026Visit
    VA 30 Year Fixed Refinance7.125%7.555%0Nov 2, 2026Visit
    Visit FIRST SOURCE'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 SOURCE

    Mortgages are offered by OwnersChoice Funding (OCF) through First Source Federal Credit Union for properties in New York State.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Association / SEG
    American Consumer Council
    Family of a member
    immediate family, household
    City
    Utica NY, Rome NY, Herkimer NY

    Where FIRST SOURCE writes mortgages

    FIRST SOURCE 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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