Mortgage Rates


Interest Rates are effective as of October 22, 2021.

Mortgage Annual Percentage Rates (APR)

Type Term Rate APR
Conventional Fixed Rate Mortgage* 10 Year
15 Year
20 Year
30 Year
Evans Community Mortgage Products* Contact or visit any of our
branch locations
for more information
Single Close Construction Mortgage* Contact or visit any of our
branch locations
for more information

Return to Current Rates

*Annual Percentage Rate is based on a loan amount of $100,000 with 20% down. Rates and terms are subject to change without notice and may vary based on region. Rates listed are for first lien, owner-occupied single family residences and a borrower’s minimum credit score of 740. Rates and points may vary according to product, credit score and LTV.

All loan applications subject to credit and property approval. Property hazard and/or flood insurance is required. Additional fees and closing costs apply. Based on a $100,000 mortgage for 30 years at 4.25%, your monthly payment would be $491.94.

Maximum loan limits and minimum equity/down payment requirements apply.

Have your payment auto deducted from an Evans Bank checking account and your rate will be reduced by 0.125%.

Other restrictions may apply.

Additional rates and programs are available.

Borrower is responsible for initial tax and insurance escrow deposits, interest and, if applicable, an origination fee for cash-out refinance transactions. Borrower is responsible for a portion of the mortgage tax.

For more information, or to apply, please call the Customer Experience Center at 716.926.3313 or 1.844.MYEVANS, and/or visit your local branch.


Links to external websites are provided by Evans Bank for your convenience. Use of such links on Evans Bank website are not an endorsement or warranty by Evans Bank of the information, products or services provided by such external websites. Evans Bank does not control such websites. You should review the linked site's privacy and security policies as they may be different from Evans Bank's.

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