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    WESTERN NEW YORK mortgage rates

    WESTERN NEW YORK'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 WESTERN NEW YORK daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from WESTERN NEW YORK

    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
    Visit WESTERN NEW YORK's rates page

    Rate history

    Lowest daily rate WESTERN NEW YORK advertised for each product, past 90 days.

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

    Who can join WESTERN NEW YORK

    Membership is open to anyone who lives, works, worships, or attends school in Erie County, New York, as well as employees of several legacy groups like the Lackawanna School System and Buffalo Psychiatric Center.

    Employer
    West Seneca State School, Buffalo Psychiatric Center, Lackawanna School System, Children’s Psychiatric Center, SAS, Inc
    County
    Erie County, NY
    City
    Buffalo, NY, Lackawanna, NY, Aurora, NY, Cheektowaga, NY, Depew, NY, East Aurora, NY, Elma, NY, Lancaster, NY, Orchard Park, NY, Sloan, NY, West Seneca, NY

    Where WESTERN NEW YORK writes mortgages

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

    New York

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

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