New York

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New York 20-Year Fixed Mortgage Rates 2025

Compare New York 20-Year Fixed Conforming Mortgage rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information. Mortgage rates are updated daily.

New York 20-Year Fixed Conforming Mortgage

February 5, 2025
Average: 7.10% APR
Lender APR Rate (%) Monthly
Payment?

U.s. Bank National Association


Updated 05/07/2023

5.97%

5.75%
0.57 points
$0.00 fees

$2,246.67


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Esl Credit Union


Updated 02/10/2023
Restrictions

5.83%

5.83%
0.00 points
$0.00 fees

$2,260.94


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Pnc Bank, National Association


Updated 10/04/2022

6.11%

5.88%
0.00 points
$3,210.00 fees

$2,269.56


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Charles Schwab Bank, Ssb


Updated 01/31/2025

6.46%

6.13%
2.00 points
$3,210.00 fees

$2,317.20


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Citibank, National Association


Updated 06/15/2022

6.38%

6.25%
0.13 points
$2,739.00 fees

$2,338.97


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Lake Shore Savings Bank


Updated 06/15/2022

6.54%

6.38%
0.00 points
$3,210.00 fees

$2,363.28


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Orange Bank & Trust Company


Updated 01/17/2025

6.76%

6.39%
0.00 points
$0.00 fees

$2,364.78


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The Bank Of Greene County


Updated 05/24/2024

7.14%

6.44%
0.00 points
$0.00 fees

$2,373.98


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Municipal Credit Union


Updated 06/15/2022
Restrictions

6.58%

6.49%
0.00 points
$0.00 fees

$2,383.95


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Elmira Savings Bank


Updated 06/15/2022

6.83%

6.50%
0.00 points
$3,210.00 fees

$2,385.83


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Ridgewood Savings Bank


Updated 02/23/2024

7.00%

6.59%
0.00 points
$0.00 fees

$2,402.82


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Wayne Bank


Updated 09/13/2024

5.61%

6.61%
1.00 points
$0.00 fees

$2,407.36


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The First National Bank Of Long Island


Updated 08/11/2023

7.18%

6.68%
0.00 points
$0.00 fees

$2,419.49


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The Berkshire Bank


Updated 06/15/2022

6.83%

6.75%
0.00 points
$0.00 fees

$2,433.16


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Teachers Credit Union


Updated 06/15/2022
Restrictions

6.83%

6.75%
0.00 points
$0.00 fees

$2,433.16


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Steuben Trust Company


Updated 06/15/2022

7.00%

6.88%
0.00 points
$3,210.00 fees

$2,457.96


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Fulton Savings Bank


Updated 06/15/2022

7.01%

6.88%
0.00 points
$0.00 fees

$2,457.96


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Rhinebeck Bank


Updated 06/15/2022

6.92%

6.88%
0.00 points
$3,210.00 fees

$2,457.96


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The Bank Of Bennington


Updated 06/15/2022

6.93%

6.88%
0.00 points
$0.00 fees

$2,457.96


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First National Bank Of Scotia


Updated 06/15/2022

7.00%

6.92%
0.00 points
$0.00 fees

$2,465.61


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Data provided by BestCashCow

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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