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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Preview stateSample data

RateAPI Daily

California · 30-Year Fixed

Saturday, April 18, 2026

Low APR

6.089%

Median

6.201%

High

6.298%

Lenders

N=5

Movers today: Logix Federal Credit Union ▼ 0.062pts · Golden 1 Credit Union ▲ 0.054pts

Top 5 lenders by APR

#	Lender	APR	Rate	Points	24h Δ
1	Logix Federal Credit Union	6.089%	5.875%	0.75	-0.062
2	SchoolsFirst FCU	6.142%	5.990%	0.5	-0.018
3	Patelco Credit Union	6.201%	6.125%	0.25	+0.011
4	First Tech Federal CU	6.244%	6.125%	0.375	0.00
5	Golden 1 Credit Union	6.298%	6.250%	0.125	+0.054

See full state rate sheet on rateapi.dev →

Not an offer of credit. Data compiled from publicly posted credit union rate sheets. Unsubscribe.

This is a live render of the email body using static sample data. The real email is sent daily at 9am ET from the state dataset you subscribe to.

Why brokers subscribe

Intel you can act on, every morning

Beat the call

See where the market sits before borrowers do. Walk into every pricing conversation with state-level context.

Sharpen pricing

Compare your sheet to the 5 lowest CUs in your state daily. Know exactly where your offer ranks before you quote.

Spot movement

Day-over-day deltas flag when the market shifts. Catch rate drops the same morning they happen.

What’s in every email

Five minutes. The whole state.

Market snapshot. Low, median, and high APR for the state.
Top 5 lenders. APR, rate, and points for the cheapest credit unions.
Day-over-day movement. Signed delta per lender, plus a movers callout when the market shifts.
Deep links. Jump straight to the full state rate sheet on rateapi.dev.

Low APR6.089%

Median6.201%

High6.298%

Top lenderLogix FCU

24h change−0.062

FAQ

Questions brokers ask

Is this for borrowers?

No. Daily Rate Intel is built for licensed loan officers, brokers, and processors. Consumers shopping for a rate should visit our consumer rate pages at /mortgage-rates.

Where does the data come from?

Publicly posted rate sheets from 4,300+ US credit unions. We scrape and normalize them daily. This is market intel, not an offer of credit.

Can I change states?

Yes. You can change your subscribed state or add additional states from your RateAPI account settings.

When are emails delivered?

Every day at 9am ET, including weekends. Weekend digests still refresh against the latest posted rate sheets so Monday pricing conversations start informed.

How much does it cost?

$50/month on the Pro tier. That also includes unlimited /v1/decisions API calls and HMAC-signed webhooks for rate-drop alerts.

Start tomorrow

Your next pricing call starts at 9am.

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