Home state: New York

    LOCAL 804 mortgage rates

    LOCAL 804's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.805%. That's about $17,204 saved over the life of a $400,000, 30-year loan. We track LOCAL 804 daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from LOCAL 804

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.772%0Sep 8, 2026Visit
    20 Year Fixed6.875%7.073%0Sep 8, 2026Visit
    15 Year Fixed6.375%6.484%0Sep 8, 2026Visit
    FHA 30 Year Fixed6.5%7.442%0Sep 8, 2026Visit
    VA 30 Year Fixed6.625%7.038%0Sep 8, 2026Visit
    USDA 30 Year Fixed6.375%7.037%0Sep 8, 2026Visit

    Rate history

    Lowest daily rate LOCAL 804 advertised for each product, past 90 days.

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

    Who can join LOCAL 804

    Membership is open to members of Local 804 IBT, Local 808 IBT, and Local 447 IAMAW, as well as their family members.

    Association / SEG
    Local 804 IBT, Local 447 IAMAW, Local 808 IBT

    Where LOCAL 804 writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with LOCAL 804.

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

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