Lender profile
Municipal
Lender Live rate observations
Municipal at a glance
Municipal is a lender based in New York. LoanMate.ai tracks 1 published loan products from Municipal (3 rate listings), last verified 2026-10-17. Its lowest published rate today is 5.49% on HELOC · INTRO. Its HELOC · INTRO rate of 5.49% is 0.26 points below the national median of 5.75% (across 71 lenders publishing that product). Municipal lends in New York only.
HELOC (3)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC-INTRO | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC-INTRO | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC-INTRO | — | 6.25 | — | — | 2026-10-17 | Lender source ↗ |
How Municipal compares
Compare all heloc rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at Municipal?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Municipal is 5.49% on its HELOC · INTRO. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Municipal lend?
Municipal lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Municipal's HELOC · INTRO rate compare nationally?
Municipal publishes HELOC · INTRO at 5.49%. The national median for that product is 5.75% across 71 lenders in LoanMate.ai's October 17, 2026 dataset, so Municipal is 0.26 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.