| Capital Region Warren, Washington, Saratoga, Schnectady, Albany, Rensselaer, Greene and Columbia counties | |
| Central New York Cayuga, Oswego, Onondaga, Cortland and Madison counties | |
| Finger Lakes Region Orleans, Monroe, Wayne, Genessee, Wyoming, Livingston, Ontario, Seneca and Yates counties | |
| Long Island Nassau and Suffolk counties | |
| Mid-Hudson Sullivan, Ulster, Dutchess, Orange, Putnam, Westchester and Rockland counties | |
| Mohawk Valley Oneida, Herkimer, Hamilton, Fulton, Montgomery and Schoharie counties | |
| New York City Kings, Queens, Brooklyn, Bronx and Richmond counties | |
| NYC Co-operative Apartment Loans Five Boroughs plus | |
| North Country Jefferson, Lewis, St. Lawrence, Franklin, Clinton and Essex counties | |
| Southern New York Steuben, Schulyer, Chemung, Tompkins, Tioga, Broome, Ostego, Delaware and Chenango counties | |
| Western New York Niagara, Erie, Chautaqua, Cattaraugus and Allegheny counties |
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Mortgage Rates provided by HSH Associates, Financial Publishers, Pompton Plains NJ 800-873-2837