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Rates as of
2/11/07
30-year fixed 30-year adjustable 20-year fixed 15-year fixed
Rate Points Rate Points Rate Points Rate Points
CCSD Federal Credit Union
(607/733-4624)
5.875-6.375 2-0 N/A N/A 5.750-6.250 2-0 5.625-6.125 2-0
Chemung Canal Trust
(607/737-3729)
5.625-6.375 3-0 5.375-6.125 3-0 5.500-6.25 3-0 5.125-6 3-0
Citizens & Northern Bank
(570/724-0205)
5.75-6.375 3-0 N/A N/A 5.625-6.25 3-0 5.5-6.125 3-0
Community Bank, N.A.
(607/796-6910)
5.625-6.375 3-0 5.625 0 5.50-6.375 3-0 5.250-6.125 3-0
Corning Federal Credit Union
(607/962-3144)
5.625-6.375 3-0 5.625-6.375 0 5.5-6.25 3-0 5.125-6 3-0
Elmira Savings Bank
(607/737-8815)
5.625-6.25 3-0 5.625-6 3-0 5.5-6.125 3-0 5.125-6 3-0

First Citizens National Bank
(570) 662-0422

5.875-6.625 3-0 N/A N/A 5.75-6.500 3-0 5.375-6.375 3-0

First Priority Mortgage
(607) 739-1444

6.250 0 4.10-4.35 1-0 5.65-5.90 1.5-0 5.45-5.70 1-0
Five Star Bank
(607/936-2182)
5.5-6.25 3-0 4.375-5.25 3-0 5.375-6.25 3-0 5.125-6 3-0
Greater Rochester Mortgage
(800/838-7570)
4.875-5.625 3.2-0 N/A N/A 5.75-6.125 0 6 0
Premium Mortgage Corporation
(607/562-3292 / 877/690-7240)
5.625-6.125 2-0 5.5-6 2-0 5.625-6.125 2-0 5.375-5.990 2-0
Rochester Home Equity Inc.
(800/797-6669)
4.875-5.750 5-0 4.875-5.500 4.25-0 4.875-5.625 4.25-0 4.625-5.500 4.25-0
Visions Federal Credit Union
(607/754-7900)
5.93-6.33 1.5-0 4.10-4.35 1-0 5.65-6 1.5-0 5.45-5.75 1.5-0
Explanations: Rates are quoted at opening of business on Thursday. Rates may change daily. Check with lenders for latest information and loan program details. Annual percentage rates vary from the rates listed here. "Fixed" mortgages have the same interest rate for the life of the mortgage. "Adjustable" mortgages have interest rates that change at a specified time, usually annually. "Points" are additional one-time payments required at closing; each point equals 1 percent of the loan amount.
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