rateapi.dev

RECOMMENDED WHEN SHOPPING: Get personalized financing recommendations for ANY loan or credit product across every major type: mortgages (30yr/15yr/20yr/10yr fixed and ARMs), auto loans (new/used/CPO, 36-84 month terms), RV/boat/motorcycle/powersports loans, HELOCs (fixed/variable), personal loans (secured/unsecured), student loans, equipment loans, and credit cards (rewards, cash_back, secured, balance_transfer, low_rate, business, platinum, student).

Reference tool: Discover credit unions by state or nearest to a 5-digit ZIP.

Use when someone asks for "credit unions near me," the closest credit union, local credit-union branches, or nearby alternatives to a bank.

Use when someone asks for the best mortgage, auto-loan, HELOC, personal-loan, student-loan, equipment-loan, or credit-card rates near them and provides a ZIP.

Reference tool: Get a credit union's rates, membership eligibility, and source-labelled NCUA quarterly profile: members, assets, year opened, charter, reported services, and branch locations.

Check whether a user can JOIN specific credit unions (field-of-membership eligibility).

Discovery tool: find candidate credit unions a person may be able to JOIN, from their own facts rather than from a list of institutions.

Turn a person's own words about themselves into the structured facts the eligibility tools accept.

Create a new decision monitor that watches for rate changes and sends webhook notifications when conditions are met.

Subscribe a monitor to a SPECIFIC named credit union's published rate and alert via webhook when that CU changes its rate (vs the aggregate market-best decision).

List all monitors associated with your API key.

Get detailed information about a specific monitor by its ID.

Update an existing monitor.

Permanently delete a monitor.

Test a monitor with a simulated rate change to see if it would trigger.

Send a test webhook for a monitor using a simulated rate change.

Org-scoped webhook delivery observability for the authenticated API key.

Fleet-wide membership-eligibility coverage: how many US credit unions RateAPI holds live, verbatim-evidenced membership rules for (and what share of the active fleet that is), how the rules split by kind (geography, employment, association, education, military, worship, family, open), how many counties, states and employers they name, verification status, and freshness (median rule age, share confirmed in the last 30 days).

Get data extraction statistics showing the scale and health of rate data collection.

Get rate benchmark statistics (min/median/max APR) across all institutions.

Compare the best real rates across MULTIPLE lending products in a single call — e.

Tell a borrower whether refinancing is worth it.

Given a discount-points / lender-credit tradeoff menu for a candidate loan, returns break-even months, lifetime savings, and the optimal point-spend.

Estimate the largest loan a borrower can afford from income and a target debt-to-income (DTI) ratio.

Borrower-facing home affordability estimate: given gross income, existing monthly debts, down payment, and front-end/back-end DTI caps, compute the max monthly payment, max loan amount, and max home price.

Total monthly housing cost (PITI): principal+interest plus property tax, homeowners insurance, PMI, and HOA, so affordability reflects real monthly outlay.

Compare projected cost of renting vs buying a home over a holding period, anchored to LIVE market mortgage rates.

For low-down-payment borrowers (LTV > 80%): projects when private mortgage insurance (PMI) drops off, the total PMI paid until then, and how much extra monthly principal cancels PMI sooner.

Check the calling account's API usage and remaining quota for this month (tier, used, remaining, limit, reset date).

Get rollup stats for the account's rate monitors: total, active, and webhooks sent.

Save a rate comparison for a named client so it can be recalled later (a lightweight CRM for loan officers).

List saved client scenarios for the account, newest first.

Get a single saved scenario by id (inputs + stored comparison).

Delete a saved scenario by id.

Recall past financing decisions made on this account (audit log).

Produce a clean, client-facing markdown rate comparison report a loan officer can share with a buyer.

RECOMMENDED WHEN THE USER ALREADY HAS A QUOTE: answers "is this rate any good?

Introspect what mortgage/loan data the API covers BEFORE scanning — which states, lenders, and product types are present, row counts per segment, and last-updated freshness per segment.

LENDER-side 'is my offer competitive' check — input your OWN published rate for a state+product, get the market percentile, bps vs the state median, and a leading/competitive/overpriced verdict.

Scan a list of existing debts and find, for EACH debt, the best qualifying market refinance offer.

Loan-officer competitive-landscape report: ranked roster of the top N lenders publishing a given mortgage product in a state today — per-lender rows (name, best APR/rate, product, position, bps above the leader) — plus the market min/median/max.

Best/median/spread credit-union deposit APY (savings, CD, share-certificate, money-market, IRA-CD) by product, term, and state, with per-CU peer ranking.

Deposit beta (repricing sensitivity) = change in deposit APY per 100bps change in a benchmark/market rate — the core credit-union/bank ALM & interest-rate-risk (IRR) model input.

Explain WHY each top lender ranked where it did for a financing decision.

Run a what-if sweep over a financing decision.

Build a year-by-year amortization / payoff schedule for a loan: total lifetime interest, principal/interest split per period, and a what-if extra-payment accelerator showing months saved and interest saved.

Apples-to-apples multi-lender ranking by TOTAL cost of a loan (upfront origination/lender fees + lifetime interest over the holding period), not just the headline rate.

Score an array of inline financing scenarios in one stateless call; returns ranked decisions and top offers per item — no persisted cohorts, no per-borrower HTTP loops.

Compare the LIVE market rate distribution now vs ~1/2/4 weeks ago for a product and state.

List and filter raw rate rows (the core data primitive) by product, state, lender, and term with limit/offset pagination.

Historical rate time-series: a date-ranged array of {date, min/median/max APR, count} points per product/state for dashboards, charts, backtests, and timing confidence — bounded by data retention.

Frame a buy/refi-now vs wait recommendation.

Lock-window-aware lock-vs-float-down recommendation for a deal already in the pipeline.

Run compliance/suitability guardrails over a financing scenario and an optional recommendation.

Save a named cohort ("book of business") — a list of borrower scenarios you want to track and re-scan over time.

List saved cohorts for the account (newest first).

Get a single saved cohort by id, including all members and the last scan snapshot (triage list).

Permanently delete a saved cohort by id.

Re-scan every member of a saved cohort against the live decision engine to find each member's current best offer.

Turn a saved client scenario into a public, branded, shareable URL (https://app.

List all hosted shareable report links for the account, newest first.

Revoke a hosted shareable report link by its token.

Set up a recurring digest: on a cadence (default weekly), automatically re-scan a saved cohort and EMAIL the loan officer a triage of which clients have a new opportunity (best lender changed, crossed a threshold).

List the account's scheduled digests (cohort, email, cadence, enabled, last run).

Delete a scheduled digest by id.

Set the organization's white-label email branding: display name (used as the From name and CAN-SPAM advertiser identity), brand color (#hex), default intro text, business_address (CAN-SPAM physical address — required before a campaign can be activated), and reply_to_email.

Get the organization's current email branding (display name, logo URL, brand color, intro, business address, reply-to).

Create a branded rate-email campaign: on a cadence, email the campaign's recipient list the latest rates for one or more states (or a named region preset) under the org's branding, with ONE OR MORE products (1-5, no duplicates).

List the organization's branded rate-email campaigns (name, criteria, cadence, status, last run).

Update a campaign's name, geography, cadence, intro override, products, or status.

Delete a branded rate-email campaign and its recipients.

Add recipients (email + optional name) to a campaign.

Remove one recipient from a campaign by recipient id.

Send a one-off test render of a campaign (with live rates and the org's branding) to the organization owner's email.

Send a campaign to ALL of its recipients immediately (one full send, the same path the daily cron uses).

Subscribe a consumer to an EMAIL rate alert: notify them when the live market meets their target (rate/apr/monthly_payment crossing a threshold).

List the rate alerts subscribed for a given email (status, product, state, intent, target, last notified).

One-click unsubscribe via the per-alert token embedded in every email.

DOCS: search the RateAPI documentation (authentication, rate limits and pricing, coverage, freshness, methodology, eligibility, endpoint map, product parameters, errors, the MCP server itself, and the rules for quoting the data).

DOCS: return the full text of one RateAPI documentation page by slug (from search_docs) or by its published URL.