Fees and Interest Rates
First Mortgages
The links to pages below will bring you information about certain loans being offered in each of the areas shown.
The information contained on these pages represent just a sample of the loan rates and terms in each area. The entities listed are a crosscut of largest or most active lenders in the region shown. This is by no means an exhaustive list, nor is it meant to be. The rates listed may or may not be the most competitive you can find. The information should be used to augment your own research -- they are meant only to convey a range. Contact the institution directly to confirm any loan terms prior to placing any application.
The individual tables found below display either Fixed Rate Mortgages (FRM) or Adjustable Rate Mortgages (ARM). Conforming loans are those with loan amounts up to $417,000; Jumbo loan cover larger loan amounts.
| Western Tier - | Fixed Rate Conforming - Adjustable Rate Conforming |
| Niagara, Erie, Chautaqua, Cattaraugus and Allegheny counties | |
| Finger Lakes - | Fixed Rate Conforming - Adjustable Rate Conforming |
| Orleans, Monroe, Wayne, Genessee, Wyoming, Livingston, Ontario, Seneca and Yates | |
| Central New York - | Fixed Rate Conforming - Adjustable Rate Conforming |
| Cayuga, Oswego, Onondaga, Cortland and Madison counties | |
| Southern Tier - | Fixed Rate Conforming - Adjustable Rate Conforming |
| Steuben, Schuyler, Chemung, Tompkins, Tioga, Broome,Ostego, Delaware and Chenango | |
| Mohawk Valley - | Fixed Rate Conforming - Adjustable Rate Conforming |
| Oneida, Herkimer, Hamilton, Fulton, Montgomery and Schoharie counties | |
| North Country - | Fixed Rate Conforming - Adjustable Rate Conforming |
| Jefferson, Lewis, St. Lawrence, Franklin, Clinton and Essex counties | |
| Capital District - | Fixed Rate Conforming - Adjustable Rate Conforming |
| Warren, Washington, Saratoga, Schenectady, Albany,Rensselaer, Greene and Columbia | |
| Mid-Hudson - | Fixed Rate Conforming - FRM Jumbo - Adjustable Rate Conforming - ARM Jumbo |
| Sullivan, Ulster, Dutchess, Orange, Putnam,Westchester and Rockland counties | |
| New York City - | Fixed Rate Conforming - FRM Jumbo - Adjustable Rate Conforming - ARM Jumbo |
| Kings, Queens, Brooklyn, Bronx and Richmond counties | |
| Long Island - | Fixed Rate Conforming - FRM Jumbo - Adjustable Rate Conforming - ARM Jumbo |
| Nassau and Suffolk counties |
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These surveys are conducted by HSH Associates, Financial Publishers, Pompton Plains NJ. All information is believed to be accurate as of the date shown. HSH Associates makes every reasonable effort to supply complete and accurate information but assumes no liability for errors or omissions, or for changes made subsequent to our poll. For loan information applicable to your personal financial situation, contact the institution directly.