Mortgage Loans in New York, NY

Looking to refinance your home in New York, NY? Compare multiple mortgage offers side-by-side to find the best rates tailored for your neighborhood. Save money and enjoy clear terms with no surprises.

Our local experts understand NYC’s unique market and lifestyle. We help you navigate options easily, so you can choose a loan that fits your budget and goals—making refinancing simple and stress-free.

PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
penfed
Conv
6.25 %
6.446 %
30 Yrs
∞
psfcu
Conv
6.25 - 7 %
6.25 - 6.838 %
10 - 30 Yrs
∞
kinecta
Conv
6.375 %
6.491 %
30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.

Credit Union Loan Rates - Trends & Analysis:

Pentagon offers 30-year Conventional Fixed and 30-year VA Fixed loans at 6.25% today. The 30-year FHA Fixed and VA Fixed loans are both at 5.75%. Rates have held steady over the past week and month. Polish & Slavic offers a 15-year fixed rate at 6.25% and a 30-year fixed rate at 6.5%, with the 30-year rate down 13 bp from a week ago. The only ARM rates listed are from July, with a 3-year and 5-year ARM today at 5.625%, a 7-year ARM at 6.125%, and a 10-year ARM at 6.75%.

Kinecta offers a 30-year Conventional Fixed mortgage at 6.375% today, up 13 bp from a week ago but down 25 bp from 30 days ago. They also have 30-year Jumbo Fixed loans at 6.625%. For Adjustable-Rate mortgages, 5-year and 7-year ARMs are both at 5.625% today.

Market Indicators - Data & Insights:

Today, Zillow’s 30-year mortgage rate is 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.

🏦 Local Lenders in New York, NY

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in New York County, NY

✅PENN SOUTH COOPERATIVE FEDERAL CREDIT UNION
✅PENTAGON FEDERAL CREDIT UNION
✅ELEKTRA FEDERAL CREDIT UNION
✅BETHPAGE CREDIT UNION
✅AMNH EMPLOYEES FEDERAL CREDIT UNION
✅JUSTICE FEDERAL CREDIT UNION
✅MUNICIPAL CREDIT UNION
✅LOWER EAST SIDE PEOPLES CREDIT UNION
✅URBAN EMPOWERMENT FEDERAL CREDIT UNION
✅GREATER METRO FEDERAL CREDIT UNION
✅NY FIREFIGHTERS BRAVEST FEDERAL CREDIT UNION
✅UKRAINIAN NATIONAL FEDERAL CREDIT UNION
✅NEW YORK UNIVERSITY FEDERAL CREDIT UNION
✅SELF RELIANCE NY FEDERAL CREDIT UNION
✅AMERICAN BROADCAST EMPLOYEES FEDERAL CREDIT UNION
✅EMPIRT 207 FEDERAL CREDIT UNION
✅TRANSIT AUTHORITY DIVISION B FEDERAL CREDIT UNION
✅CHURCH OF THE MASTER FEDERAL CREDIT UNION
✅ABYSSINIAN BAPTIST CHURCH FEDERAL CREDIT UNION
✅ST PHILIPS CHURCH CREDIT UNION
✅SOUTHERN BAPTIST CHURCH OF NEW YORK FEDERAL CREDIT UNION
✅NEW YORK EPISCOPAL FEDERAL CREDIT UNION
✅1199 SEIU CREDIT UNION
✅NEW YORK TIMES EMPLOYEES FEDERAL CREDIT UNION
✅GRAND CENTRAL TERMINAL EMPLOYEES FEDERAL CREDIT UNION
✅UNITED NATIONS FEDERAL CREDIT UNION
✅FIDELIS FEDERAL CREDIT UNION
✅UNION CONGREGATIONAL FEDERAL CREDIT UNION
✅THE FINEST FEDERAL CREDIT UNION
✅GENERATIONS UNITED FEDERAL CREDIT UNION
✅XCEL FEDERAL CREDIT UNION
✅ACTORS FEDERAL CREDIT UNION
✅FOX FEDERAL CREDIT UNION
✅NEIGHBORHOOD TRUST FEDERAL CREDIT UNION

Compare other loan types in New York, NY

Why compare Mortgage Loans in New York, NY on LendMesh

If you're searching for the best rate for refinancing your home loan in New York, NY, take your time to compare multiple lenders on LendMesh. Exploring different options helps you discover better deals and more affordable rates tailored to your needs. With a variety of offers at your fingertips, you can make a confident decision that fits your financial goals without feeling rushed.

Consider subscribing to LendMesh’s personalized alerts to stay updated effortlessly. Simply set your target rate—say 4% or 5%—and receive notifications the moment offers dip below your preferred threshold. Plus, get weekly or monthly insights on rate trends and hand-picked loan deals, all designed to keep New York borrowers like you informed and ready to act when the perfect refinance opportunity arises.

Customers are also interested in:

Best Rate For Refinancing Home Loan