US Credit Union Mortgage Rates

Average mortgage APR across all credit unions in the dataset, broken down by product type (30-year, 15-year, 20-year, and 10-year fixed). State averages for 30-year fixed range from 4.5% (NM) to 7.17% (MT).

Compare average mortgage APR across loan programs — conventional, jumbo, FHA, VA, and USDA. Program availability varies by credit union.

Compare average mortgage APR across US states. Use the dropdowns to filter by product type and loan program. States with fewer than 2 data points are excluded.

Breakdown by product type showing the average, minimum, and maximum APR along with the number of rate observations.

By Loan Program

Download the full dataset under the CC BY 4.0 license. Use it for research, apps, journalism, or anything else — just provide attribution.

# Quick start with Python
import pandas as pd
import requests
from io import StringIO

url = "https://rateapi.dev/data/mortgage-rates/mortgage-rates.csv"
df = pd.read_csv(StringIO(requests.get(url).text))

# Average APR by product type
print(df.groupby("product_type")["apr"].mean())

# 30-year fixed by state
fixed_30 = df[df["product_type"] == "30-year-fixed"]
print(fixed_30.groupby("credit_union_state")["apr"].mean().sort_values())

Each record in the JSON file contains the following fields: