New York

Today's New York (NY) Mortgage Rates


AnnieMac Home Mortgage
NMLS # 338923
State Lic # B501025
3.780% APR
3.750% RATE
0 Points
30 day lock
Fees: $927
Monthly Payment
$1,157.79

NEXT  

Amalgamated Bank
State Lic # B501025
3.928% APR
3.875% RATE
0 Points
60 day lock
Fees: $1,595
Monthly Payment
$1,175.59

NEXT  
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $11
Monthly Payment
$1,175.59

NEXT  

Ally Bank
NMLS # 181005
State Lic # B501025
4.029% APR
4.000% RATE
0 Points
45 day lock
Fees: $870
Monthly Payment
$1,193.54

NEXT  

Flagstar Bank
NMLS # 417490
State Lic # B501025
3.905% APR
3.875% RATE
0 Points
30 day lock
Fees: $905
Monthly Payment
$1,175.59

NEXT  

M&T Bank
NMLS # 381076
State Lic # B501025
4.162% APR
4.125% RATE
0 Points
30 day lock
Fees: $1,117
Monthly Payment
$1,211.62

NEXT  

QuickenLoans
NMLS # 3030
State Lic # B501025
4.397% APR
4.375% RATE
0 Points
30 day lock
Fees: $650
Monthly Payment
$1,248.21

NEXT  

Get A Rate LLC
NMLS # 907795
State Lic # A007464
4.125% APR
4.125% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,211.62

NEXT  

Garden State Home Loans
State Lic # A007464
3.905% APR
3.875% RATE
0 Points
30 day lock
Fees: $895
Monthly Payment
$1,175.59

NEXT  

Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. APR and Payment examples shown do not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.


New York (NY) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 2,408,206
  • Application denied by financial institution: 1,138,029
  • Loan purchased by the institution: 742,331
  • Application withdrawn by applicant: 486,111
  • Application approved but not accepted: 303,354
  • File closed for incompleteness: 188,739
  • Preapproval request approved but not accepted: 838
  • Preapproval request denied by financial institution: 709

  • Refinancing: 2,686,346
  • Home purchase: 2,070,291
  • Home improvement: 511,680

  • Conventional: 4,309,708
  • FHA-insured: 829,769
  • VA-guaranteed: 102,231
  • FSA/RHS-guaranteed: 26,609

  • White: 3,463,120
  • Information not provided by applicant in mail, Internet, or telephone application: 677,563
  • Not applicable: 420,641
  • Black or African American: 381,207
  • Asian: 286,601
  • American Indian or Alaska Native: 20,792
  • Native Hawaiian or Other Pacific Islander: 18,393

  • Not Hispanic or Latino: 3,888,720
  • Information not provided by applicant in mail, Internet, or telephone application: 651,825
  • Not applicable: 422,004
  • Hispanic or Latino: 305,768

  • Male: 2,970,411
  • Female: 1,509,498
  • Not applicable: 420,777
  • Information not provided by applicant in mail, Internet, or telephone application: 367,631

  • Office of the Comptroller of the Currency: 1,469,257
  • Consumer Financial Protection Bureau: 1,212,257
  • Department of Housing and Urban Development: 1,155,787
  • National Credit Union Administration: 448,541
  • Office of Thrift Supervision: 430,030
  • Federal Reserve System: 372,646
  • Federal Deposit Insurance Corporation: 179,799

  • Suffolk County: 568,807
  • Queens County: 462,038
  • Nassau County: 457,872
  • Kings County: 401,132
  • New York County: 308,722
  • Erie County: 283,579
  • Westchester County: 281,077
  • Monroe County: 260,167
  • Onondaga County: 168,254
  • Richmond County: 149,068
  • Bronx County: 136,973
  • Orange County: 128,919
  • Albany County: 114,591
  • Saratoga County: 110,489
  • Dutchess County: 104,202
  • Rockland County: 92,693
  • Oneida County: 73,699
  • Schenectady County: 65,802
  • Niagara County: 63,612
  • Rensselaer County: 62,912
  • Ulster County: 61,020
  • Broome County: 57,295
  • Ontario County: 48,599
  • Oswego County: 39,622
  • Putnam County: 38,071
  • Wayne County: 36,540
  • Jefferson County: 35,734
  • Chautauqua County: 32,609
  • Warren County: 30,207
  • Chemung County: 30,186
  • Steuben County: 30,050
  • Cayuga County: 25,973
  • Clinton County: 25,360
  • Tompkins County: 25,084
  • Madison County: 25,065
  • Washington County: 24,554
  • Sullivan County: 23,811
  • Columbia County: 22,991
  • St. Lawrence County: 21,813
  • Livingston County: 21,370
  • Herkimer County: 21,120
  • Cattaraugus County: 21,082
  • Greene County: 20,448
  • Otsego County: 19,224
  • Fulton County: 19,161
  • Tioga County: 17,491
  • Genesee County: 16,570
  • Montgomery County: 15,379
  • Essex County: 14,870
  • Chenango County: 14,122
  • Cortland County: 13,541
  • Franklin County: 13,488
  • Delaware County: 13,413
  • Orleans County: 12,531
  • Wyoming County: 12,335
  • Seneca County: 11,608
  • Schoharie County: 11,489
  • Allegany County: 11,434
  • Unknown: 11,029
  • Yates County: 9,256
  • Lewis County: 8,622
  • Schuyler County: 6,812
  • Hamilton County: 2,730

  • New York, White Plains, Wayne – NY, NJ: 1,581,271
  • Nassau, Suffolk – NY: 871,356
  • Unknown: 467,033
  • Rochester – NY: 380,682
  • Albany, Schenectady, Troy – NY: 365,121
  • New York, Jersey City, White Plains – NY, NJ: 300,837
  • Buffalo, Niagara Falls – NY: 288,195
  • Syracuse – NY: 232,816
  • Poughkeepsie, Newburgh, Middletown – NY: 199,655
  • Nassau County, Suffolk County – NY: 155,196
  • Utica, Rome – NY: 94,706
  • Binghamton – NY: 74,717
  • Kingston – NY: 60,845
  • Buffalo, Cheektowaga, Niagara Falls – NY: 58,910
  • Glens Falls – NY: 54,454
  • Elmira – NY: 30,138
  • Ithaca – NY: 25,057
  • Dutchess County, Putnam County – NY: 20,421
  • Watertown, Fort Drum – NY: 6,907

  • Unknown: 4,400,358
  • Debt-to-income ratio: 208,750
  • Credit history: 180,055
  • Collateral: 176,789
  • Credit application incomplete: 136,556
  • Other: 99,073
  • Unverifiable information: 38,324
  • Insufficient cash (downpayment, closing costs): 16,681
  • Employment history: 9,248
  • Mortgage insurance denied: 2,483

  • Not a HOEPA loan: 5,267,698
  • HOEPA loan: 619

  • Secured by a first lien: 4,004,135
  • Not applicable: 742,331
  • Secured by a subordinate lien: 326,896
  • Not secured by a lien: 194,955

  • Owner-occupied as a principal dwelling: 4,830,401
  • Not owner-occupied as a principal dwelling: 387,277
  • Not applicable: 50,639

  • One-to-four family dwelling (other than manufactured housing): 5,150,048
  • Manufactured housing: 73,625
  • Multifamily dwelling: 44,644

  • Loan was not originated or was not sold in calendar year covered by register: 3,236,267
  • Fannie Mae (FNMA): 609,321
  • Freddie Mac (FHLMC): 354,627
  • Ginnie Mae (GNMA): 312,022
  • Affiliate institution: 233,329
  • Commercial bank, savings bank or savings association: 201,597
  • Other type of purchaser: 153,802
  • Life insurance company, credit union, mortgage bank, or finance company: 124,032
  • Private securitization: 43,234
  • Farmer Mac (FAMC): 86