Mortgage Loans in Niagara Falls, NY

Looking for the best mortgage rates in Niagara Falls, NY? Compare local loan offers quickly and easily to find a deal that fits your budget and goals. Our tools connect you with trusted lenders right here in your community.

Today’s Mortgage Rates & Analysis - Updated on 2025-OCT-11

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 4.25%. This is lower than 30 days ago when it was 4.50%. Changes in the Fed Funds rate influence mortgage rates because they affect the cost for banks to borrow money, which can impact loan interest rates for consumers.

Credit Union Loan Rates - Trends & Analysis:

Affinity offers a 15-year conventional fixed rate at 5.125% and a 30-year conventional fixed rate at 5.75%, both unchanged from a week ago but up 13 bp from 30 days prior. Their adjustable rates for 3-, 5-, and 7-year terms remain steady at 4.375%, 4.5%, and 4.75%, respectively. The 30-year fixed rate today is 5.75%, and the 15-year fixed is 5.125%. Baxter offers a 15-year Conventional Fixed at 5.125% and a 30-year Conventional Fixed at 6.0%, with the 30-year rate up 13 bp from last week. They also have a 30-year Jumbo Fixed at 5.875%, which rose 25 bp over the past month. Additionally, the 5-year Adjustable sits at 4.75%, down 13 bp from a month ago.

Navy Federal Credit Union offers a 15-year conventional fixed rate at 4.875% and a 30-year conventional fixed rate at 5.625%, both unchanged from a week ago. The 15-year conventional and 30-year conventional refinance rates match these fixed rates. The 30-year VA purchase rate is steady at 5.375%, while the 30-year jumbo purchase rate is 5.875%, down 13 bp from last week. FHA 3-year and 5-year ARMs are at 5.0% and 5.25%, respectively, with a slight 30-day drop of 13 bp. Affinity Plus offers a 30-year Conventional fixed rate at 6.0% today, down 13 bp from 30 days ago. The 15-year Conventional fixed rate is steady at 5.5%. VA and Jumbo 30-year fixed loans are also at 6.0%, with the Jumbo rate down 13 bp from a month ago. Adjustable 5-year ARMs hold at 4.875%, and 7-year ARMs are at 5.125%.

Digital shows a 15-year Conventional Fixed rate today at 5.375%, up 13 bp from a week ago and 25 bp higher than 30 days ago. The 30-year Conventional Fixed rate is steady at 6.0%. The 30-year Conventional ARM rate is 6.0%, down 13 bp from 15 days ago. The Jumbo 30-year Fixed rate remains at 6.0%. Delta Community offers a 15-year conventional fixed rate at 5.0%, down 25 bp from a month ago, and a 30-year conventional fixed rate at 5.5%, down 13 bp over the same period. Their 30-year jumbo fixed rate is steady today at 5.625%, down 25 bp from 30 days ago. The 15-year conventional fixed rate has held steady over the past week.

Hudson Valley offers a 15-year conventional fixed rate today at 5.125%, up 13 bp from a week ago. Their 30-year conventional fixed rate holds steady at 6.0%. The jumbo 30-year fixed rate is 5.875%, unchanged from last week but down 13 bp over 30 days. Adjustable rates for 5, 7, and 10 years remain steady, with the 10-year fixed today at 5.625%. Municipal offers a 15-year fixed at 5.25% and a 30-year fixed at 5.75% today. The 30-year fixed rate is down 13 bp from 30 days ago. They also have adjustable rates for 5, 7, and 10 years, with the 5-year ARM at 5.375%, the 7-year at 5.625%, and the 10-year at 5.875%.

Connexus offers a 15-year Conventional Fixed at 5.125% and a 30-year Conventional Fixed at 5.875% today. Their 15-year Conventional Refinance is 5.75%, while the 30-year Conventional Refinance is 6.375%. The 3-year ARM is at 5.25%, down 50 bp from 30 days ago, and the 5-year ARM is 5.75%, also down 49 bp over the same period. The 7-year ARM stands at 6.25%, down 34 bp from 30 days ago. Nasa offers a 15-year conventional fixed rate at 5.25%, steady from a week ago, and a 30-year conventional fixed at 5.875%, up 13 bp from a month ago. FHA 30-year fixed rose 25 bp in the past week to 6.0%. VA 30-year fixed increased 13 bp to 5.625%. Jumbo 30-year fixed climbed 13 bp to 6.625%.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.332%, while Freddie Mac's 30-year rate is 6.300%, with Zillow slightly higher. Zillow's 30-year rate is a bit lower than it was 7 days ago. These rates reflect current borrowing costs, which can influence how many people decide to buy homes or refinance their mortgages.

🏦 All Local Lenders in Niagara Falls, NY

Lender NameBranch AddressOffice ServicesLender Snapshot
NIAGARA FALLS A F FEDERAL CREDIT UNION
2420 OLMSTEAD ST NIAGARA FALLS NY 14304
P2P
E-Statements
Assets: $19,767,545
Deposits: $940,466
Net Worth: $2,369,324
Employees: 4
Members: 1,711
ENCOMPASS NIAGARA FEDERAL CREDIT UNION
2525 MILITARY RD NIAGARA FALLS NY 14304
ATM
E-Statements
E-Signature
Assets: $25,167,896
Deposits: $2,996,298
Net Worth: $3,166,890
Employees: 7
Members: 3,141
NIAGARA'S CHOICE FEDERAL CREDIT UNION
2131 SAWYER DR NIAGARA FALLS NY 14304
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $251,463,004
Deposits: $10,530,283
Net Worth: $25,897,697
Employees: 58
Members: 22,390
GREATER NIAGARA FEDERAL CREDIT UNION
2901 MILITARY RD NIAGARA FALLS NY 14304
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $69,556,158
Deposits: $7,948,390
Net Worth: $8,265,346
Employees: 13
Members: 8,046
NIAGARA FALLS TEACHERS FEDERAL CREDIT UNION
6040 LINDBERGH AVE NIAGARA FALLS NY 14304
Assets: $12,328,427
Deposits: $1,645,943
Net Worth: $2,069,752
Employees: 4
Members: 1,264

🏘️ All the Lenders Available in Niagara County, NY

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