Compare Today’s Mortgage Rates in Binghamton, New York 13902
Pureloan is a mortgage search engine that finds the best mortgage rates from top mortgage lenders and major banks in Binghamton, New York 13902.
After exploring all the mortgage options such as fixed-rate, ARM, FHA, VA, USDA, conventional, jumbo, and conforming home mortgages, our calculations show you can save up to $5,754 over the lifetime of your 30-year fixed loan, or a monthly savings of $16 in Binghamton and other areas of Broome county. Pureloan is designed to help you find the right mortgage for your financial situation with the most competitive rates available.
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Summary of Average Mortgages in Binghamton, New York 13902
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Mortgage Rate Projections for Binghamton, New York 13902
Pureloan has developed an interactive chart to help you forecast and predict mortgage rates in Binghamton, NY 13902. This chart tracks the rates of the five largest nationwide lenders based on historical data from closed mortgage financings and projections using our proprietary modeling.
Historical Mortgage Rates in Binghamton, New York 13902 from 2024 - 2016
We have compiled mortgage rates charts for home loans in Binghamton, New York and around Broome county to provide insight into trends that may be helpful during your home buying process. This data is derived from actual closed loans.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|
| % 30 year fixed mortgage | 94.09% | 92.35% | 91.57% | 90.40% | 88.48% | 87.59% | 86.16% | 84.71% | 85.22% |
| avg mortgage rate | 6.45% | 4.50% | 3.06% | 3.35% | 4.42% | 4.54% | 4.11% | 3.83% | 4.06% |
| % 15 year fixed mortgage | 5.42% | 5.56% | 6.18% | 7.77% | 7.53% | 9.35% | 9.46% | 11.15% | 10.27% |
| avg mortgage rate | 5.75% | 4.00% | 2.48% | 2.82% | 3.75% | 3.90% | 3.30% | 3.06% | 3.22% |
| Avg credit score | 745.41 | 748.16 | 748.06 | 754.77 | 752.35 | 754.89 | 754.34 | 754.66 | 755.45 |
| Avg LTV (loan to value) | 82.43% | 84.83% | 85.27% | 86.34% | 85.24% | 84.04% | 84.62% | 83.40% | 83.85% |
| Avg DTI (debt to income) | 36.73 | 35.24 | 35.04 | 35.14 | 35.42 | 35.10 | 35.44 | 34.70 | 34.42 |
| % First time homebuyer | 56.65% | 52.14% | 50.28% | 45.94% | 42.40% | 41.67% | 39.93% | 33.76% | 35.11% |
| Avg mortgage insurance % | 13.38% | 15.39% | 15.01% | 15.96% | 14.22% | 14.49% | 13.87% | 13.16% | 13.46% |
Best Mortgage Brokers around Binghamton, New York 13902
For those searching for a new home in Binghamton, we have compiled a list of the top mortgage brokers located in and around Binghamton, New York 13902 to assist you with your search.
Name
Address
Contact
Underground-Motorsport
26 Ayres St
Binghamton NY 13902
(607) 727-2286
Smc Mortgage Co.
1247 Upper Front St
Binghamton NY 13902
(607) 231-5555
Capital Mortgage Finance
74 Carroll St
Binghamton NY 13902
(607) 238-1458
Ameritrust National Mortgage Banker
34 Chenango St
Binghamton NY 13902
(607) 773-8917
Hci Mortgage
74 Carroll St
Binghamton NY 13902
(607) 343-5527
Address
26 Ayres St
Binghamton NY
Contact
(607) 727-2286
Address
1247 Upper Front St
Binghamton NY
Contact
(607) 231-5555
Address
74 Carroll St
Binghamton NY
Contact
(607) 238-1458