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    Home state: New York
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    Lends in 48 states

    USALLIANCE mortgage rates

    USALLIANCE's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track USALLIANCE daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from USALLIANCE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.906%—Sep 10, 2026Visit
    20 Year Fixed6.625%6.665%—Sep 10, 2026Visit
    15 Year Fixed6.375%6.425%—Sep 10, 2026Visit
    10 Year Fixed6.25%6.32%—Sep 10, 2026Visit
    5 Year ARM6.25%6.328%—Sep 10, 2026Visit
    7 Year ARM6.375%6.453%—Sep 10, 2026Visit
    10 Year ARM6.75%6.83%—Sep 10, 2026Visit
    30 Year Fixed Jumbo6.625%6.635%—Sep 10, 2026Visit
    20 Year Fixed Jumbo6.5%6.512%—Sep 10, 2026Visit
    15 Year Fixed Jumbo6.25%6.266%—Sep 10, 2026Visit
    10 Year Fixed Jumbo6.125%6.147%—Sep 10, 2026Visit
    5 Year ARM Jumbo6%6.009%—Sep 10, 2026Visit
    7 Year ARM Jumbo6.375%6.384%—Sep 10, 2026Visit
    10 Year ARM Jumbo6.5%6.509%—Sep 10, 2026Visit
    Visit USALLIANCE's rates page

    Rate history

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

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

    Who can join USALLIANCE

    Membership is open to current and former IBM employees in the Tri-State Area. Residents of the town of West Haven, CT, and qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY, are eligible. Individuals in the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester, and New Jersey counties of Bergen and Passaic may also join. Eligibility extends to many colleges and universities, houses of worship, local and state employees of qualifying counties in NY, and members of community-oriented organizations like ASCAP, AOPA, Tread Lightly, and the New York Historical Society.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    IBM
    Association / SEG
    ASCAP, AOPA, Tread Lightly, New York Historical Society
    County
    Barnstable County, MA, Essex County, MA, Middlesex County, MA, Norfolk County, MA, Plymouth County, MA, Suffolk County, MA, Worcester County, MA, Bergen County, NJ, Passaic County, NJ
    City
    West Haven, CT, Manhattan, NY, Mount Vernon, NY, Bronx, NY

    Where USALLIANCE writes mortgages

    USALLIANCE publishes mortgage lending in 48 states.

    AlabamaArkansasArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming

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

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