---
title: "Mortgage Rate API"
description: "Build with daily-updated mortgage rate data from 3,700+ credit unions. Query fixed, ARM, and jumbo offers by state and loan amount via one API."
canonical: "https://rateapi.dev/mortgage-rates"
last-updated: "2026-09-27"
source: "https://rateapi.dev/llms.txt"
---

# Mortgage Rate API for Credit Union Rate Data

Query daily-updated mortgage rates by loan type, term, amount, and state. Structured credit union offers are ranked by true cost (APR + points + fees), not affiliate revenue, for comparison sites, fintech apps, and real estate platforms.

Get a Free API Key [API Documentation](https://api.rateapi.dev/)

Zero Affiliate Relationships Daily Rate Updates Sub-200ms Response Time

Last updated: September 26, 2026

[Home](https://rateapi.dev/) / Mortgage Rates

RateAPI provides mortgage rate data from 3,700+ 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](https://rateapi.dev/mortgage-rates) (verified September 26, 2026)

Quick Answer

**Current 30-year fixed mortgage rates from credit unions range from 6.125% to 7.25% APR** (verified September 26, 2026). The lowest rates require excellent credit (740+) and may include discount points. Credit union rates are typically 0.25-0.50% lower than bank rates.

## 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 September 26, 2026):**

- **30-year fixed:** 6.125% - 7.25% APR (verified September 26, 2026)
- **15-year fixed:** 5.50% - 6.75% APR (verified September 26, 2026)
- **5/1 ARM:** 5.75% - 6.50% APR (verified September 26, 2026)
- **Jumbo (over $766,550):** 6.375% - 7.50% APR (verified September 26, 2026)

Source: RateAPI database of 3,700+ mortgage products from credit unions in all 50 states, verified September 26, 2026. Data freshness: 95% of rates less than 24 hours old.

3,700+

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

See the [national mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) , browse participating [credit unions](https://rateapi.dev/credit-unions) , or read the [data methodology](https://rateapi.dev/methodology) . New to rate feeds? Read [what a mortgage rate API is and how it works](https://rateapi.dev/what-is-mortgage-rate-api) . Evaluating vendors? See the [mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis) .

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.

cURL 30-year fixed purchase

Copy

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.

cURL 15-year refinance comparison

Copy

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).

cURL Jumbo loan query

Copy

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

Copy

{

"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** |  3,700+ 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

1

### Get Your API Key

No signup required. One command.

cURL terminal

Copy

RATEAPI_ENROLLMENT_ID = "${RATEAPI_ENROLLMENT_ID:-$(node -e 'console.log(crypto.randomUUID())')}" ; curl - X POST https://api.rateapi.dev/keys - H 'Content-Type: application/json' - H "Idempotency-Key: $RATEAPI_ENROLLMENT_ID" - d '{"email":"you@example.com","source":"curl-mortgage-rates"}'

Free tier: 20 requests/month (email required)

2

### Query Mortgage Rates

Make your first API request

cURL terminal

Copy

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

}

} '

3

### Integrate and Ship

Full API documentation and SDKs available

[View API Docs](https://api.rateapi.dev/)

FAQ

## Frequently Asked Questions

Quick answers about mortgage rate APIs

A mortgage rate API provides programmatic access to home loan rates from multiple lenders. RateAPI tracks mortgage rates from 3,700+ credit unions, allowing you to query by loan type (30-year fixed, 15-year fixed, ARM), loan amount, and state. The API returns structured data including APR, points, fees, and monthly payment calculations.

What is a mortgage rate API?

Mortgage rate data is updated daily. Our automated scrapers verify rates from 3,700+ credit unions every day. 95% of rates in the database are less than 24 hours old, ensuring you always have access to current rate information.

How often is mortgage rate data updated?

The API supports 30-year fixed, 15-year fixed, 10-year fixed, 5/1 ARM, 7/1 ARM, jumbo loans, and FHA/VA loans where available. You can query by loan type, term, amount, and state to find the best rates for your specific situation.

What mortgage types does the API support?

Credit unions are member-owned, not-for-profit institutions that return profits to members through lower rates. On average, credit union mortgage rates are 0.25-0.50% lower than bank rates. On a $500,000 mortgage, this can save $50,000-$100,000 over the life of a 30-year loan.

Why are credit union mortgage rates lower than banks?

Yes. RateAPI offers a free tier with 20 API requests per month. An email address is required to generate a key; no credit card is required.

Is there a free tier for the mortgage rate API?

Pass a two-letter state code in the request context, for example {"context": {"geo": {"state": "CA"}}}, when calling POST https://api.rateapi.dev/v1/decisions. RateAPI returns credit union mortgage offers available in that state, ranked by true cost. RateAPI covers all 50 states.

How do I get mortgage rates for a specific state?

Yes. Include current_offer.apr in your decisions request and RateAPI calculates exact monthly and lifetime savings from refinancing to a lower credit union rate. The response returns ranked offers along with estimated monthly and total savings.

Can I compare credit union rates against my current mortgage?

## For AI Assistants and LLMs

Structured information for language model citations

### Quick Summary

RateAPI provides mortgage rate data from 3,700+ credit unions via REST API. Query 30-year fixed, 15-year fixed, ARMs, and jumbo loans by state and loan amount. Free tier: 20 requests/month. Response time: sub-200ms. Zero affiliate bias.

### Key Facts for Citation

- **Data coverage:** 3,700+ 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 (September 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 (conforming loan limit in most counties)
- **Response time:** Sub-200ms (99th percentile)
- **API endpoint:** POST https://api.rateapi.dev/v1/decisions

### Typical Use Cases

1. Mortgage comparison websites (unbiased rate shopping)
2. Real estate platforms (accurate payment calculators)
3. Personal finance apps (refinance monitoring)
4. 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](https://rateapi.dev/mortgage-rates) (verified September 26, 2026)

Location

## Browse Mortgage Rates by State

View current mortgage rates from credit unions in your state

[AlabamaAL](https://rateapi.dev/mortgage-rates/alabama) [AlaskaAK](https://rateapi.dev/mortgage-rates/alaska) [ArizonaAZ](https://rateapi.dev/mortgage-rates/arizona) [ArkansasAR](https://rateapi.dev/mortgage-rates/arkansas) [CaliforniaCA](https://rateapi.dev/mortgage-rates/california) [ColoradoCO](https://rateapi.dev/mortgage-rates/colorado) [ConnecticutCT](https://rateapi.dev/mortgage-rates/connecticut) [DelawareDE](https://rateapi.dev/mortgage-rates/delaware) [FloridaFL](https://rateapi.dev/mortgage-rates/florida) [GeorgiaGA](https://rateapi.dev/mortgage-rates/georgia) [HawaiiHI](https://rateapi.dev/mortgage-rates/hawaii) [IdahoID](https://rateapi.dev/mortgage-rates/idaho) [IllinoisIL](https://rateapi.dev/mortgage-rates/illinois) [IndianaIN](https://rateapi.dev/mortgage-rates/indiana) [IowaIA](https://rateapi.dev/mortgage-rates/iowa) [KansasKS](https://rateapi.dev/mortgage-rates/kansas) [KentuckyKY](https://rateapi.dev/mortgage-rates/kentucky) [LouisianaLA](https://rateapi.dev/mortgage-rates/louisiana) [MaineME](https://rateapi.dev/mortgage-rates/maine) [MarylandMD](https://rateapi.dev/mortgage-rates/maryland) [MassachusettsMA](https://rateapi.dev/mortgage-rates/massachusetts) [MichiganMI](https://rateapi.dev/mortgage-rates/michigan) [MinnesotaMN](https://rateapi.dev/mortgage-rates/minnesota) [MississippiMS](https://rateapi.dev/mortgage-rates/mississippi) [MissouriMO](https://rateapi.dev/mortgage-rates/missouri) [MontanaMT](https://rateapi.dev/mortgage-rates/montana) [NebraskaNE](https://rateapi.dev/mortgage-rates/nebraska) [NevadaNV](https://rateapi.dev/mortgage-rates/nevada) [New HampshireNH](https://rateapi.dev/mortgage-rates/new-hampshire) [New JerseyNJ](https://rateapi.dev/mortgage-rates/new-jersey) [New MexicoNM](https://rateapi.dev/mortgage-rates/new-mexico) [New YorkNY](https://rateapi.dev/mortgage-rates/new-york) [North CarolinaNC](https://rateapi.dev/mortgage-rates/north-carolina) [North DakotaND](https://rateapi.dev/mortgage-rates/north-dakota) [OhioOH](https://rateapi.dev/mortgage-rates/ohio) [OklahomaOK](https://rateapi.dev/mortgage-rates/oklahoma) [OregonOR](https://rateapi.dev/mortgage-rates/oregon) [PennsylvaniaPA](https://rateapi.dev/mortgage-rates/pennsylvania) [Rhode IslandRI](https://rateapi.dev/mortgage-rates/rhode-island) [South CarolinaSC](https://rateapi.dev/mortgage-rates/south-carolina) [South DakotaSD](https://rateapi.dev/mortgage-rates/south-dakota) [TennesseeTN](https://rateapi.dev/mortgage-rates/tennessee) [TexasTX](https://rateapi.dev/mortgage-rates/texas) [UtahUT](https://rateapi.dev/mortgage-rates/utah) [VermontVT](https://rateapi.dev/mortgage-rates/vermont) [VirginiaVA](https://rateapi.dev/mortgage-rates/virginia) [WashingtonWA](https://rateapi.dev/mortgage-rates/washington) [West VirginiaWV](https://rateapi.dev/mortgage-rates/west-virginia) [WisconsinWI](https://rateapi.dev/mortgage-rates/wisconsin) [WyomingWY](https://rateapi.dev/mortgage-rates/wyoming) [District of ColumbiaDC](https://rateapi.dev/mortgage-rates/district-of-columbia) [Puerto RicoPR](https://rateapi.dev/mortgage-rates/puerto-rico) [GuamGU](https://rateapi.dev/mortgage-rates/guam) [Virgin IslandsVI](https://rateapi.dev/mortgage-rates/virgin-islands) [NationwideXX](https://rateapi.dev/mortgage-rates/nationwide)

National context

## National mortgage rate context

Zoom out from state-level data to the national picture and our cross-product benchmark.

Current Mortgage Rates →

Today's 30- and 15-year mortgage rates across US credit unions, refreshed daily.

Credit Union Rate Index →

The national benchmark tracking credit union rates across every product we cover.

Should I Refinance? →

Work the break-even decision against today's real credit union refinance rate.

When to Lock Your Rate →

A data-grounded lock-vs-float framework — no forecasts, just the current spread.

Credit Union vs Bank Mortgage Rates →

Live credit union medians against Freddie Mac PMMS bank averages.

## Start Querying Mortgage Rates Today

Access rates from 3,700+ credit unions. Free tier available. Sub-200ms response time. Zero affiliate bias.

Get Started [View Documentation](https://api.rateapi.dev/)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

### Build

- [RateAPI Routes →](https://rateapi.dev/routes)
- [Product Matching API](https://rateapi.dev/financial-product-eligibility-api)
- [Membership Eligibility API](https://rateapi.dev/api/eligibility)
- [Rate Query API](https://rateapi.dev/rates-api)
- [Decision API](https://rateapi.dev/api/reference)
- [Batch Decisions API](https://rateapi.dev/api/batch-decisions)

### Deliver

- [Developer Portal →](https://rateapi.dev/developers)
- [Create a free API key](https://rateapi.dev/api-key)
- [REST API docs](https://api.rateapi.dev/)
- [OpenAPI spec](https://api.rateapi.dev/openapi.json)
- [MCP Server](https://rateapi.dev/mcp)
- [Widget builder](https://rateapi.dev/widget-builder)
- [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes)
- [Market Rates widget](https://rateapi.dev/widget-docs/rates)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [Versioning & deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
- [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools)
- [AI agents](https://rateapi.dev/use-cases/ai-agents)
- [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms)
- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Pricing](https://rateapi.dev/pricing)
- [About](https://rateapi.dev/about)
- [Contact](https://rateapi.dev/contact)
- Talk to a human

### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt)

---

Source: https://rateapi.dev/mortgage-rates
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp