Mortgage Center

Today's Featured Rates

Conventional Mortgage Loans
30 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.470%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.003%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.625%  3.788%  0.000%
Construction Loans
Construction Loan - 9 Month Term
 Rate  APR  Points
 5.500%  10.358%  0.000%

APR = Annual Percentage Rate

Applying online is as easy as 1-2-3.
You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. A USNY Bank Loan Officer will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 315-789-1500 / 607-547-2210.

NMLS Registry Information for USNY Bank Mortgage Loan Originators