---
title: "Mortgage Refinance Rates"
description: "Compare mortgage refinance rates from credit unions across every state. Rate-and-term and cash-out refi offers, ranked by true cost, updated daily. Zero affiliate bias."
canonical: "https://rateapi.dev/refinance-rates"
last-updated: "2026-10-09"
source: "https://rateapi.dev/llms.txt"
---

# 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.

Get API Access [Refinance Break-Even Calculator](https://rateapi.dev/refinance-break-even-calculator)

Quick answer

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

[Alabama AL](https://rateapi.dev/refinance-rates/alabama) [Alaska AK](https://rateapi.dev/refinance-rates/alaska) [Arizona AZ](https://rateapi.dev/refinance-rates/arizona) [Arkansas AR](https://rateapi.dev/refinance-rates/arkansas) [California CA](https://rateapi.dev/refinance-rates/california) [Colorado CO](https://rateapi.dev/refinance-rates/colorado) [Connecticut CT](https://rateapi.dev/refinance-rates/connecticut) [Delaware DE](https://rateapi.dev/refinance-rates/delaware) [Florida FL](https://rateapi.dev/refinance-rates/florida) [Georgia GA](https://rateapi.dev/refinance-rates/georgia) [Hawaii HI](https://rateapi.dev/refinance-rates/hawaii) [Idaho ID](https://rateapi.dev/refinance-rates/idaho) [Illinois IL](https://rateapi.dev/refinance-rates/illinois) [Indiana IN](https://rateapi.dev/refinance-rates/indiana) [Iowa IA](https://rateapi.dev/refinance-rates/iowa) [Kansas KS](https://rateapi.dev/refinance-rates/kansas) [Kentucky KY](https://rateapi.dev/refinance-rates/kentucky) [Louisiana LA](https://rateapi.dev/refinance-rates/louisiana) [Maine ME](https://rateapi.dev/refinance-rates/maine) [Maryland MD](https://rateapi.dev/refinance-rates/maryland) [Massachusetts MA](https://rateapi.dev/refinance-rates/massachusetts) [Michigan MI](https://rateapi.dev/refinance-rates/michigan) [Minnesota MN](https://rateapi.dev/refinance-rates/minnesota) [Mississippi MS](https://rateapi.dev/refinance-rates/mississippi) [Missouri MO](https://rateapi.dev/refinance-rates/missouri) [Montana MT](https://rateapi.dev/refinance-rates/montana) [Nebraska NE](https://rateapi.dev/refinance-rates/nebraska) [Nevada NV](https://rateapi.dev/refinance-rates/nevada) [New Hampshire NH](https://rateapi.dev/refinance-rates/new-hampshire) [New Jersey NJ](https://rateapi.dev/refinance-rates/new-jersey) [New Mexico NM](https://rateapi.dev/refinance-rates/new-mexico) [New York NY](https://rateapi.dev/refinance-rates/new-york) [North Carolina NC](https://rateapi.dev/refinance-rates/north-carolina) [North Dakota ND](https://rateapi.dev/refinance-rates/north-dakota) [Ohio OH](https://rateapi.dev/refinance-rates/ohio) [Oklahoma OK](https://rateapi.dev/refinance-rates/oklahoma) [Oregon OR](https://rateapi.dev/refinance-rates/oregon) [Pennsylvania PA](https://rateapi.dev/refinance-rates/pennsylvania) [Rhode Island RI](https://rateapi.dev/refinance-rates/rhode-island) [South Carolina SC](https://rateapi.dev/refinance-rates/south-carolina) [South Dakota SD](https://rateapi.dev/refinance-rates/south-dakota) [Tennessee TN](https://rateapi.dev/refinance-rates/tennessee) [Texas TX](https://rateapi.dev/refinance-rates/texas) [Utah UT](https://rateapi.dev/refinance-rates/utah) [Vermont VT](https://rateapi.dev/refinance-rates/vermont) [Virginia VA](https://rateapi.dev/refinance-rates/virginia) [Washington WA](https://rateapi.dev/refinance-rates/washington) [West Virginia WV](https://rateapi.dev/refinance-rates/west-virginia) [Wisconsin WI](https://rateapi.dev/refinance-rates/wisconsin) [Wyoming WY](https://rateapi.dev/refinance-rates/wyoming) [District of Columbia DC](https://rateapi.dev/refinance-rates/district-of-columbia)

Refinancing? Check your [break-even point](https://rateapi.dev/refinance-break-even-calculator) first, then compare [purchase mortgage rates](https://rateapi.dev/mortgage-rates) , [HELOC rates](https://rateapi.dev/heloc-rates) , and [credit unions near you](https://rateapi.dev/credit-unions) .

## 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).

How do I find the best mortgage refinance rate?

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.

Are credit union refinance rates lower than 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.

Can I get refinance rate data through an API?

## 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.

Get API Access [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)

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### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
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- [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)
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- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
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- [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)

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---

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