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20-Year Fixed Conforming Mortgage

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.

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New York 20-Year Fixed Conforming Mortgage

July 1, 2025
Average: 6.75% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
PenFed Credit Union NMLS ID: 401822	6.075% 20 Yr Fixed	5.875% Fees & Points $5,195 Total 1.000 Pts: $3,200 $1,995 Fees	$2,270	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	PenFed membership is open to everyone, including you. Fixed Rate is locked-in for the life of the loan PenFed Makes Home Ownership Affordable. Federally Insured by NCUA Military Service is NOT required for membership. Equal Housing Lender 20 Yr Fixed			Learn More
Rocket Mortgage NMLS ID: 3030	Fast, guided and simplified online process Lock in your rate for 90 days Start with certainty, close with confidence Unique support for first-time homebuyers 20 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
U.s. Bank National Association Updated 05/07/2023	5.97%	5.75% 0.57 points $0.00 fees	$2,246.67	Learn MoreShow Less See Table View
Esl Credit Union Updated 02/10/2023 Restrictions	5.83%	5.83% 0.00 points $0.00 fees	$2,260.94	Learn MoreShow Less See Table View
Pnc Bank, National Association Updated 10/04/2022	6.11%	5.88% 0.00 points $3,210.00 fees	$2,269.56	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 06/27/2025	6.44%	6.13% 2.00 points $3,210.00 fees	$2,317.20	Learn MoreShow Less See Table View
Citibank, National Association Updated 06/15/2022	6.38%	6.25% 0.13 points $2,739.00 fees	$2,338.97	Learn MoreShow Less See Table View
Lake Shore Savings Bank Updated 06/15/2022	6.54%	6.38% 0.00 points $3,210.00 fees	$2,363.28	Learn MoreShow Less See Table View
Orange Bank & Trust Company Updated 06/27/2025	6.51%	6.39% 0.00 points $0.00 fees	$2,364.78	Learn MoreShow Less See Table View
The Bank Of Greene County Updated 05/24/2024	7.14%	6.44% 0.00 points $0.00 fees	$2,373.98	Learn MoreShow Less See Table View
Municipal Credit Union Updated 06/15/2022 Restrictions	6.58%	6.49% 0.00 points $0.00 fees	$2,383.95	Learn MoreShow Less See Table View
Elmira Savings Bank Updated 06/15/2022	6.83%	6.50% 0.00 points $3,210.00 fees	$2,385.83	Learn MoreShow Less See Table View
Ridgewood Savings Bank Updated 02/23/2024	7.00%	6.59% 0.00 points $0.00 fees	$2,402.82	Learn MoreShow Less See Table View
Wayne Bank Updated 09/13/2024	5.61%	6.61% 1.00 points $0.00 fees	$2,407.36	Learn MoreShow Less See Table View
The First National Bank Of Long Island Updated 08/11/2023	7.18%	6.68% 0.00 points $0.00 fees	$2,419.49	Learn MoreShow Less See Table View
The Berkshire Bank Updated 06/15/2022	6.83%	6.75% 0.00 points $0.00 fees	$2,433.16	Learn MoreShow Less See Table View
Teachers Credit Union Updated 06/15/2022 Restrictions	6.83%	6.75% 0.00 points $0.00 fees	$2,433.16	Learn MoreShow Less See Table View
Steuben Trust Company Updated 06/15/2022	7.00%	6.88% 0.00 points $3,210.00 fees	$2,457.96	Learn MoreShow Less See Table View
Fulton Savings Bank Updated 06/15/2022	7.01%	6.88% 0.00 points $0.00 fees	$2,457.96	Learn MoreShow Less See Table View
Rhinebeck Bank Updated 06/15/2022	6.92%	6.88% 0.00 points $3,210.00 fees	$2,457.96	Learn MoreShow Less See Table View
The Bank Of Bennington Updated 06/15/2022	6.93%	6.88% 0.00 points $0.00 fees	$2,457.96	Learn MoreShow Less See Table View
First National Bank Of Scotia Updated 06/15/2022	7.00%	6.92% 0.00 points $0.00 fees	$2,465.61	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

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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New York 20-Year Fixed Mortgage Rates 2025

New York 20-Year Fixed Conforming Mortgage

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