Mortgage Refinance Rates by State
Compare mortgage refinance rates from credit unions across every state. Rate-and-term and cash-out offers, ranked by true cost, updated daily. Zero affiliate bias.
RateAPI tracks mortgage refinance rates from credit unions nationwide, collected daily by scraping lender websites directly. Rates are ranked by true cost with no affiliate placement. Pick your state below to compare current refinance offers, or query the data programmatically through the REST API and MCP server.
Refinance Rates by State
Refinancing? Check your break-even point first, then compare purchase mortgage rates, HELOC rates, and credit unions near you.
Frequently Asked Questions
Common questions about mortgage refinancing
Compare offers from several lenders — including local credit unions, which frequently undercut banks by 0.25–0.50%. Then confirm the new rate saves enough monthly to recoup closing costs before you move (a break-even under ~24 months).
Often, yes. Credit unions are member-owned non-profits that return savings through lower rates and fees, so their refinance pricing frequently beats traditional banks.
Yes. RateAPI provides daily-updated mortgage and refinance rates from credit unions through a REST API and MCP server for fintech apps, comparison sites, and AI agents.
Build With RateAPI
Access daily-updated mortgage and refinance rate data from credit unions via our REST API. Perfect for fintech apps, comparison sites, and AI agents.