100% unaffiliated
No lender pays for placement, no ranking is sponsored, and borrower contact details are not sold.
Current public lender sheets and moderated borrower-contributed offers, with APR, points, eligibility, and source dates kept visible.
Membership rules stay attached to every credit union row, so a low advertised rate is never presented without its access requirements.
Lowest currently tracked rate per institution for 30-year Conventional purchase; points are shown, not normalized away.
Recent approved submissions matching the same filters. These are separate from lender-advertised sheets and are never used to manufacture a current posted rate.
Add the numbers anonymously in about 90 seconds. A Loan Estimate is optional; when provided, selected fields are checked transiently and the document is not retained.
No lender pays for placement, no ranking is sponsored, and borrower contact details are not sold.
Loan Estimates are processed without retaining the uploaded file. Matching selected fields is not lender authentication.
Freddie Mac's weekly national survey is shown as context; each lender rate keeps its own source and effective date.
| Lender | Field of membership | Interest rate | APR | Points | Vs Freddie Mac | Est. monthly P&I | Source | Details |
|---|---|---|---|---|---|---|---|---|
C Center Parc Credit UnionCredit union | GA | 6.125% | 6.333% | 0.000 | -128 bps | $2,430$400k loan | Rate sheetOct 11, 2026 | View → |
M Maine State Credit UnionCredit union | ME | 6.750% | 6.804% | 0.000 | -65 bps | $2,594$400k loan | Rate sheetOct 11, 2026 | View → |
K Knoxville TVA Employees Credit UnionCredit union | TN | 6.750% | 6.983% | 0.000 | -65 bps | $2,594$400k loan | Rate sheetOct 11, 2026 | View → |
D Dirigo Credit UnionCredit union | ME | 6.875% | 6.979% | 0.000 | -53 bps | $2,628$400k loan | Rate sheetOct 11, 2026 | View → |
R Revity Credit UnionCredit union | NC | 6.875% | 7.088% | 0.000 | -53 bps | $2,628$400k loan | Rate sheetOct 11, 2026 | View → |
J Jeanne D'arc Credit UnionCredit union | MA | 6.990% | 7.013% | 0.000 | -41 bps | $2,659$400k loan | Rate sheetOct 11, 2026 | View → |
E Evergreen Credit UnionCredit union | WI | 7.000% | 7.040% | 0.000 | -40 bps | $2,661$400k loan | Rate sheetOct 11, 2026 | View → |
T Tidemark Credit UnionCredit union | DE | 7.000% | 7.070% | 0.000 | -40 bps | $2,661$400k loan | Rate sheetOct 11, 2026 | View → |
S Space Coast Credit UnionCredit union | FL | 7.000% | 7.091% | 0.000 | -40 bps | $2,661$400k loan | Rate sheetOct 11, 2026 | View → |
N Navy Federal Credit UnionCredit union | military-only | 7.000% | 7.189% | 0.880 | -40 bps | $2,661$400k loan | Rate sheetOct 11, 2026 | View → |
P PenFed Credit UnionCredit union | open to anyone | 7.000% | 7.192% | 1.130 | -40 bps | $2,661$400k loan | Rate sheetOct 11, 2026 | View → |
M Mountain America Credit UnionCredit union | UT / ID / NV | 7.125% | 7.263% | 0.000 | -28 bps | $2,695$400k loan | Rate sheetOct 11, 2026 | View → |
C Credit Union 1Credit union | AK | 7.125% | 7.338% | 0.000 | -28 bps | $2,695$400k loan | Rate sheetOct 11, 2026 | View → |
P Provident Credit UnionCredit union | DE | 7.125% | 7.309% | 0.250 | -28 bps | $2,695$400k loan | Rate sheetOct 11, 2026 | View → |
C Connexus Credit UnionCredit union | open to anyone | 7.125% | 7.289% | 1.000 | -28 bps | $2,695$400k loan | Rate sheetOct 11, 2026 | View → |
S ST. Mary's Bank Credit UnionCredit union | NH | 7.125% | 7.313% | 1.250 | -28 bps | $2,695$400k loan | Rate sheetOct 11, 2026 | View → |
T Transcend Credit UnionCredit union | KY | 7.250% | 7.250% | 0.000 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
T Triangle Credit UnionCredit union | MS | 7.250% | 7.330% | 0.000 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
P Patelco Credit UnionCredit union | CA | 7.250% | 7.343% | 0.000 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
A Alliance Credit UnionCredit union | MO | 7.250% | 7.347% | 0.000 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
S Star ONE Credit UnionCredit union | CA | 7.250% | 7.373% | 0.000 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
W Westmark Credit UnionCredit union | ID | 7.250% | 7.405% | 0.000 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
8 802 Credit UnionCredit union | VT | 7.250% | 7.423% | 0.000 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
G Goldenwest Credit UnionCredit union | UT | 7.250% | 7.423% | 0.000 | -15 bps | $2,729$400k loan | Rate sheetOct 4, 2026 | View → |
V Vystar Credit UnionCredit union | FL / GA | 7.250% | 7.299% | 0.130 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
A America First Credit UnionCredit union | UT / NV | 7.250% | 7.361% | 0.130 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
O OnPoint Community CUCredit union | OR / WA | 7.250% | 7.365% | 0.500 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
S State Employees CU of Maryland, IncCredit union | MD | 7.250% | 7.396% | 1.000 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
D Desert Financial Credit UnionCredit union | AZ | 7.250% | 7.461% | 1.000 | -15 bps | $2,729$400k loan | Rate sheetOct 11, 2026 | View → |
M Mission Credit UnionCredit union | CA | 7.375% | 7.397% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
R Redwood Credit UnionCredit union | CA | 7.375% | 7.413% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
G Guardian Credit UnionCredit union | WI | 7.375% | 7.416% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
C Co-op Credit UnionCredit union | WI | 7.375% | 7.443% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
E ENT Credit UnionCredit union | CO | 7.375% | 7.443% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
L Landmark Credit UnionCredit union | IL | 7.375% | 7.467% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
C CDC Credit UnionCredit union | GA | 7.375% | 7.513% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
B BMI Credit UnionCredit union | OH | 7.375% | 7.520% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
M MID Oregon Credit UnionCredit union | OR | 7.375% | 7.525% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
L Levo Credit UnionCredit union | SD | 7.375% | 7.564% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
A Avadian Credit UnionCredit union | AL | 7.375% | 7.645% | 0.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
S SRP Credit UnionCredit union | SC | 7.375% | 7.632% | 0.250 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
V Virginia Credit UnionCredit union | VA | 7.375% | 7.522% | 0.780 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
A Arizona Central Credit UnionCredit union | AZ | 7.375% | 7.482% | 1.000 | -3 bps | $2,763$400k loan | Rate sheetOct 11, 2026 | View → |
A Ascentra Credit UnionCredit union | IA | 7.500% | 7.500% | 0.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
C Cinfed Credit UnionCredit union | OH | 7.500% | 7.532% | 0.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
U University of Wisconsin Credit UnionCredit union | WI | 7.500% | 7.551% | 0.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
E Everwise Credit UnionCredit union | IN | 7.500% | 7.587% | 0.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
C Citizens Equity First Credit UnionCredit union | IL | 7.500% | 7.605% | 0.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
W Wildfire Credit UnionCredit union | MI | 7.500% | 7.616% | 0.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
T Together Credit UnionCredit union | MO | 7.500% | 7.626% | 0.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
B Blaze Credit UnionCredit union | MN | 7.500% | 7.661% | 0.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
H HFS Credit UnionCredit union | HI | 7.500% | 7.702% | 0.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
H Hanscom Credit UnionCredit union | MA | 7.500% | 7.702% | 0.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
A Allegacy Credit UnionCredit union | NC | 7.500% | 7.633% | 0.130 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
T Tower Credit UnionCredit union | MD / VA / DC | 7.500% | 7.563% | 0.380 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
A Affinity Plus Credit UnionCredit union | MN | 7.500% | 7.642% | 1.000 | +10 bps | $2,797$400k loan | Rate sheetOct 11, 2026 | View → |
B Becu Credit UnionCredit union | WA / SC | 7.520% | 7.520% | 0.000 | +12 bps | $2,802$400k loan | Rate sheetOct 11, 2026 | View → |
S Schoolsfirst Credit UnionCredit union | CA | 7.625% | 7.680% | 0.000 | +22 bps | $2,831$400k loan | Rate sheetOct 11, 2026 | View → |
D Digital Federal CU (DCU)Credit union | open to anyone | 7.625% | 7.748% | 0.000 | +22 bps | $2,831$400k loan | Rate sheetOct 11, 2026 | View → |
E Envista Credit UnionCredit union | KS | 7.625% | 7.765% | 0.000 | +22 bps | $2,831$400k loan | Rate sheetOct 11, 2026 | View → |
S Security Service Credit UnionCredit union | TX / CO / UT | 7.875% | 7.958% | 0.000 | +47 bps | $2,900$400k loan | Rate sheetOct 11, 2026 | View → |
F Fort Financial Credit UnionCredit union | IN | 7.875% | 8.083% | 0.000 | +47 bps | $2,900$400k loan | Rate sheetOct 11, 2026 | View → |
F First Atlantic Credit UnionCredit union | NJ | 7.993% | 7.993% | 0.000 | +59 bps | $2,933$400k loan | Rate sheetOct 11, 2026 | View → |
R Randolph-Brooks Federal Credit UnionCredit union | TX | 8.125% | 8.224% | 0.000 | +72 bps | $2,970$400k loan | Rate sheetOct 11, 2026 | View → |
C Charter OAK Credit UnionCredit union | CT | 8.750% | 8.782% | 0.000 | +135 bps | $3,147$400k loan | Rate sheetOct 11, 2026 | View → |