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    Home state: New York
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    THE SUMMIT mortgage rates

    THE SUMMIT's lowest publicly advertised 30-year fixed rate today is 7.125% APR — the national average is 7.147%. That's about $2,139 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read THE SUMMIT's rates every weekday, starting around 11 a.m. Central.

    We last read THE SUMMIT's rates page on Nov 2, 2026.

    Today's rates from THE SUMMIT

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.125%7.125%0Nov 2, 2026Visit
    15 Year Fixed6.875%6.875%0Nov 2, 2026Visit
    10 Year Fixed6.625%6.625%0Nov 2, 2026Visit
    Visit THE SUMMIT'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 THE SUMMIT

    Membership is open to those who live, work, worship, or attend school in various New York locations including Rochester, Buffalo, Syracuse, and Cortland County, as well as employees of over 400 partner companies and their family members.

    County
    Cortland County, NY
    City
    Rochester, NY, Buffalo, NY, Syracuse, NY, Geneva, NY, City of Tonawanda, NY, Henrietta, NY, Amherst, NY, Town of Tonawanda, NY

    Where THE SUMMIT writes mortgages

    THE SUMMIT 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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