Lender profile
Sidney
Lender Live rate observations
Sidney at a glance
Sidney is a lender based in New York. LoanMate.ai tracks 10 published loan products from Sidney (10 rate listings), last verified 2026-10-17. Its lowest published rate today is 6% on 15-year fixed. Its 30-year fixed rate of 7% matches the national median of 7% (across 233 lenders publishing that product). Sidney lends in New York only.
Purchase mortgage (8)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 15FP | 6.000 | 6.063 | — | — | 2026-10-17 | Lender source ↗ |
| 20FP | 6.250 | 6.300 | — | — | 2026-10-17 | Lender source ↗ |
| 7/1ARM | 6.500 | 6.630 | — | — | 2026-10-17 | Lender source ↗ |
| 10/1ARM | 6.625 | 6.685 | — | — | 2026-10-17 | Lender source ↗ |
| 15/1ARM | 6.750 | 6.779 | — | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.000 | 7.040 | — | — | 2026-10-17 | Lender source ↗ |
| 8/1ARM | 7.125 | 6.691 | — | — | 2026-10-17 | Lender source ↗ |
| ARM | — | 6.75 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-10yr | 6.250 | 6.294 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | 6.490 | 6.522 | — | — | 2026-10-17 | Lender source ↗ |
How Sidney compares
Compare all purchase mortgage rates · Compare all home equity loan 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 Sidney?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Sidney is 6% on its 15-year fixed. 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 Sidney lend?
Sidney lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Sidney's 30-year fixed rate compare nationally?
Sidney publishes 30-year fixed at 7%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so Sidney is right at 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.