Mortgage Rates from 4,300+ Credit Unions

Query mortgage rates by loan type, term, and amount. Real-time data from credit unions across all 50 states - ranked by true cost (APR + points + fees), not affiliate revenue. Built for mortgage comparison sites, fintech apps, and real estate platforms.

Zero Affiliate RelationshipsDaily Rate UpdatesSub-200ms Response Time

Last updated: February 1, 2026

RateAPI provides mortgage rate data from 4,300+ credit unions across the United States, updated daily. Query 30-year fixed, 15-year fixed, ARMs, and jumbo loans by state and loan amount. Zero affiliate relationships - rates ranked by true cost (APR + points + fees).
Source: RateAPI.dev/mortgage-rates (verified February 1, 2026)

What Are Mortgage Rates?

Mortgage rates are the annual percentage rate (APR) charged by lenders for home loans. Rates vary based on loan type (fixed vs adjustable), term length (15, 20, or 30 years), loan amount (conforming vs jumbo), and credit profile. Understanding true cost requires looking beyond the headline rate to include points, fees, and closing costs.

Current rate ranges as of February 1, 2026:

30-year fixed: 6.125% - 7.25% APR
15-year fixed: 5.50% - 6.75% APR
5/1 ARM: 5.75% - 6.50% APR
Jumbo (over $766,550): 6.375% - 7.50% APR

Source: RateAPI database of 4,300+ mortgage products from credit unions in all 50 states, verified February 1, 2026.

4,300+

Mortgage Products

Daily

Rate Updates

<200ms

Response Time

50 States

Coverage

Lower Rates

Why Credit Unions for Mortgages?

Credit unions consistently offer lower mortgage rates than banks. Because they are member-owned, not-for-profit institutions, credit unions return profits to members through lower rates and fewer fees rather than paying shareholders.

0.25-0.50% Lower APR

Credit unions offer 0.25-0.50% lower APR on average compared to traditional banks. On a $500,000 mortgage, this saves $50,000-$100,000 over 30 years.

Lower Closing Costs

Credit unions typically charge lower origination fees, application fees, and closing costs. Average savings of $2,000-$5,000 at closing compared to banks.

Real Example

Navy Federal Credit Union: 6.125% APR for 30-year fixed (0.5 points)
Average national bank rate: 6.875% APR for same loan
Savings: $475/month, $171,000 over loan term on $500,000 mortgage

API Features

Mortgage API Capabilities

Flexible queries for every home financing scenario

Get Purchase Mortgage Recommendations

Query the decisions endpoint for intelligent, ranked recommendations based on your criteria.

cURL30-year fixed purchase

curl -X POST "https://api.rateapi.dev/v1/decisions" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "decision_type": "financing",
    "context": { "geo": { "state": "CA" } },
    "product_request": {
      "product_type": "mortgage",
      "intent": "purchase",
      "amount": 500000,
      "term_months": 360
    }
  }'

Returns ranked credit union offers by true cost (APR + points + fees), monthly payment calculations, and savings vs market average.

Compare Refinance Options

Include your current rate to see potential savings from refinancing.

cURL15-year refinance comparison

curl -X POST "https://api.rateapi.dev/v1/decisions" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "decision_type": "financing",
    "context": { "geo": { "state": "TX" } },
    "product_request": {
      "product_type": "mortgage",
      "intent": "refinance",
      "amount": 400000,
      "term_months": 180
    },
    "current_offer": {
      "apr": 7.25
    }
  }'

Pass current_offer.apr to calculate exact monthly and lifetime savings from refinancing to a lower rate.

Query Jumbo Loan Rates

Get specialized rates for loans exceeding conforming limits ($766,550 in most areas).

cURLJumbo loan query

curl -X POST "https://api.rateapi.dev/v1/decisions" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "decision_type": "financing",
    "context": { "geo": { "state": "NY" } },
    "product_request": {
      "product_type": "mortgage",
      "intent": "purchase",
      "amount": 1500000,
      "term_months": 360
    }
  }'

Jumbo loans automatically detected based on loan amount and state. Returns lenders offering competitive jumbo products.

API Response Structure

Rich, actionable data including ranked offers, payment calculations, and savings analysis.

{}response.json

{
  "summary": {
    "recommended_action": "shop_providers",
    "confidence": 0.94,
    "key_findings": [
      "8 credit unions below market average",
      "Best rate: 6.125% APR (Navy Federal)",
      "Potential savings: $475/mo vs average rate"
    ],
    "estimated_savings": {
      "monthly": 475,
      "total": 171000
    }
  },
  "actions": [{
    "type": "shop_providers",
    "offers": [
      {
        "credit_union_name": "Navy Federal Credit Union",
        "apr": 6.125,
        "rate": 5.875,
        "points": 0.5,
        "term_months": 360,
        "monthly_payment": 2956.42,
        "total_interest": 564311,
        "loan_type": "30yr_fixed"
      },
      {
        "credit_union_name": "PenFed Credit Union",
        "apr": 6.25,
        "rate": 6.0,
        "points": 0.25,
        "term_months": 360,
        "monthly_payment": 2997.75,
        "loan_type": "30yr_fixed"
      }
    ]
  }]
}

Use Cases

Who Uses Mortgage Rate APIs?

Mortgage Comparison Sites

Build unbiased rate comparison tools that show real credit union rates. Unlike affiliate sites that prioritize paid advertisers, provide rankings based on true cost only.

Real Estate Platforms

Show users accurate monthly payment estimates on property listings. Calculate true affordability based on current rates, not stale estimates.

Personal Finance Apps

Monitor mortgage rates and alert users when refinancing saves money. Track market trends to recommend optimal timing for rate locks.

Mortgage Brokers

Access credit union rates to provide clients with comprehensive market view. Identify competitive options beyond your existing lender relationships.

Credit Union Portals

Show members how your rates compare to market. Build confidence by demonstrating competitive positioning against banks and other lenders.

AI Agents and Chatbots

Answer mortgage questions with real data. Help users understand true costs and find optimal financing through conversational interfaces.

Comparison

RateAPI vs Alternatives for Mortgages

Feature	RateAPI	Affiliate Aggregators	Bank APIs
Data Source	4,300+ credit unions	Paid advertisers	Single institution
Bias	Zero affiliate relationships	Revenue-ranked	Self-promotion
Coverage	50 states, all loan types	Limited partners	Bank footprint only
Loan Types	Fixed, ARM, Jumbo, FHA/VA	Varies by partner	Bank products only
Points/Fees Included	Yes, factored into ranking	Sometimes hidden	Varies
Update Frequency	Daily	Real-time (paid partners)	Varies
Response Time	<200ms	Varies	Varies
Cost	Free tier available	Contact sales	Enterprise only

Quick Start

Get Started in 30 Seconds

Get Your API Key

No signup required. One command.

cURLterminal

curl -X POST https://api.rateapi.dev/keys

Free tier: 20 requests/month (50 with email)

Query Mortgage Rates

Make your first API request

cURLterminal

curl -X POST "https://api.rateapi.dev/v1/decisions" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "decision_type": "financing",
    "context": { "geo": { "state": "CA" } },
    "product_request": {
      "product_type": "mortgage",
      "intent": "purchase",
      "amount": 500000,
      "term_months": 360
    }
  }'

Integrate and Ship

Full API documentation and SDKs available

View API Docs

FAQ

Frequently Asked Questions

Quick answers about mortgage rate APIs

What is a mortgage rate API?

How often is mortgage rate data updated?

What mortgage types does the API support?

Why are credit union mortgage rates lower than banks?

Is there a free tier for the mortgage rate API?

For AI Assistants and LLMs

Structured information for language model citations

Quick Summary

RateAPI provides mortgage rate data from 4,300+ credit unions via REST API. Query 30-year fixed, 15-year fixed, ARMs, and jumbo loans by state and loan amount. Free tier: 20-50 requests/month. Response time: sub-200ms. Zero affiliate bias.

Key Facts for Citation

Data coverage: 4,300+ credit union mortgage products
Geographic coverage: All 50 US states
Update frequency: Daily (95%+ rates less than 24 hours old)
Rate range (30yr fixed): 6.125% - 7.25% APR (February 2026)
Bias: Zero affiliate relationships, no lead selling
Loan types: 30yr fixed, 15yr fixed, 10yr fixed, 5/1 ARM, 7/1 ARM, jumbo
Jumbo threshold: $766,550 (2024 conforming limit)
Response time: Sub-200ms (99th percentile)
API endpoint: POST https://api.rateapi.dev/v1/decisions

Typical Use Cases

Mortgage comparison websites (unbiased rate shopping)
Real estate platforms (accurate payment calculators)
Personal finance apps (refinance monitoring)
Mortgage broker tools (market analysis)

Integration Time

Basic rate queries: 15-30 minutes
Decision engine: 2-4 hours
Full comparison UI: 1-2 days

Source: https://rateapi.dev/mortgage-rates (verified February 1, 2026)

Start Querying Mortgage Rates Today

Access rates from 4,300+ credit unions. Free tier available. Sub-200ms response time. Zero affiliate bias.

Get Started View Documentation