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Mortgage Rates in New York

21 real rates from borrowers and public HMDA records

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30-Yr Fixed Avg
6.508%
15 submissions
Total Submissions
21
Jan 2025 – Dec 2025
Lenders Reporting
8

Top Lenders in New York

LenderAvg RateSubmissions
TD BankTD Bank6.150%5
KeyBankKeyBank6.250%5
Wells FargoWells Fargo6.188%2
Cardinal FinancialCardinal Financial6.563%2
CrossCountry MortgageCrossCountry Mortgage6.740%1
New American FundingNew American Funding6.875%1
ChaseChase7.375%1
Fairway Independent MortgageFairway Independent Mortgage6.875%1

Rate Trend by Month

MonthAvg RateSubmissions
Dec 20256.495%2
Nov 20256.875%2
Oct 20256.938%2
Jul 20255.375%1
Jun 20256.292%3
May 20256.708%3
Mar 20256.188%2
Feb 20256.083%3
Jan 20256.250%3

Frequently Asked Questions

What is the average mortgage rate in New York?
Based on 15 real 30-year fixed submissions, the average rate locked in New York is 6.508%. This reflects what borrowers actually locked, not lender-advertised teaser rates.
How many mortgage rate submissions does HomeLoans.fyi have for New York?
21 real rates from New York, sourced from anonymous borrower submissions and public HMDA loan records.
What is the average VA loan rate in New York?
The average VA 30-year rate locked in New York is 6.250%, based on 1 submission.
Which lenders have the most submissions in New York?
TD Bank, KeyBank, Wells Fargo have the most submitted rates in New York on HomeLoans.fyi.
Browse all New York submissions →