Loan Officers
Know where the market sits before your 9am borrower call. Price confidently, close more.
For Mortgage Brokers · $50/month · Cancel anytime
Know the market before your first call.
Every morning at 9am ET. The lowest 30-year rates in your state, ranked by APR across 4,300+ credit unions. Built for loan officers, brokers, and processors.
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Text our AI assistant any rate question or set custom alerts — replies in seconds.
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Last updated: April 18, 2026
Today, across the country:
CAlow4.00%
TXlow4.50%
FLlow5.22%
NYlow4.50%
ILlow4.50%
CAlow4.00%
TXlow4.50%
FLlow5.22%
NYlow4.50%
ILlow4.50%
For licensed professionals
Built for the call you haven't made yet.
Mortgage Brokers
Compare your wholesale sheet to the 5 lowest CUs in your state. Spot arbitrage before the day starts.
Processors
When rates move, know immediately. Re-disclose before the deadline, not after.
Live data · updated daily at 8am ET
Today's California rate sheet.
| # | Lender | APR | Rate | Points | Updated |
|---|---|---|---|---|---|
| 1 | Logix Federal Credit Union | 6.089% | 5.875% | 0.75 | Apr 17 |
| 2 | SchoolsFirst FCU | 6.142% | 5.990% | 0.5 | Apr 17 |
| 3 | Patelco Credit Union | 6.201% | 6.125% | 0.25 | Apr 17 |
| 4 | First Tech Federal CU | 6.244% | 6.125% | 0.375 | Apr 17 |
| 5 | Golden 1 Credit Union | 6.298% | 6.250% | 0.125 | Apr 17 |
| 6 | Regional CU #6 | 6.169% | 5.955% | 0.75 | Apr 17 |
| 7 | Regional CU #7 | 6.237% | 6.085% | 0.5 | Apr 17 |
| 8 | Regional CU #8 | 6.311% | 6.235% | 0.25 | Apr 17 |
| 9 | Regional CU #9 | 6.369% | 6.250% | 0.375 | Apr 17 |
| 10 | Regional CU #10 | 6.438% | 6.390% | 0.125 | Apr 17 |
Data pulled from publicly posted credit union rate sheets. Not an offer of credit.
What arrives in your inbox
Five minutes. The whole state.
One scroll before your first call. That's the whole product.
How brokers use it
When the market moves, you're already re-pricing.
8:55 AM
Before the call.
The email lands. Scan the top 5. Know where you’re going to price before the phone rings.
10:22 AM
During the quote.
Borrower asks if you can match Navy Federal. You already know today’s delta. Answer in one breath.
3:41 PM
After the close.
Market moved 12 bps at 2pm. You saw it. You re-disclosed before the 6pm deadline.
Pricing
One plan. Both sides of the house.
Built for brokers who want the morning email, and developers who want the full API. One subscription. Everything included.
For brokers + developers
Pro
$50month
- Daily 9am ET email with your state’s lowest 30-yr rates
- Unlimited scenario quotes via
/v1/decisions - HMAC-signed webhooks when the market moves
- 1,000 API requests/month across every endpoint
- Zapier + Discord bot integrations
- Priority email support
- Cancel anytime
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FAQ
Common questions.
No. Daily Rate Intel is built for licensed loan officers, brokers, and processors. Consumers can compare rates at /mortgage-rates.
Publicly posted rate sheets from 4,300+ US credit unions. Scraped and normalized daily.
No. This is market intelligence for licensed professionals. All quotes happen through your originator.
Today’s email covers 30-year fixed only. Other programs are available via the /v1/decisions endpoint (included in Pro). More product types coming to the email this summer.
From your account. Subscribe once, toggle states without losing your seat.
$50/month. One state per subscription. Multi-state add-on coming.
Ready to know the market every morning?
Daily rate intel for your state, delivered at 9am ET. Built for mortgage brokers, loan officers, and processors.
Building on RateAPI? See the developer docs →