Every public RateAPI endpoint in one place. 27 REST endpoints over real, ranked credit union rates — decisions, rate analytics, borrower tools, monitors, and reference data. Authenticate with your API key in the X-API-Key header.
The machine-readable contract lives at https://api.rateapi.dev/openapi.json. Use it to generate a typed client in any language.
Rank real credit union offers for a borrower scenario and explain the result.
/v1/decisionsRank the best qualifying lender offers for a financing scenario./v1/decisions/batchRun many decision scenarios in a single request./v1/explain-rankingDecompose why each top lender ranked where it did, with cost breakdowns./v1/simulate-decisionSweep one input (credit score, down payment, rate shift) and see the winner per value.Position quotes and watch how the live market distribution moves.
/v1/statsHeadline coverage stats across the dataset./v1/benchmarksNational and per-state benchmark APR distributions by product./v1/rate-sanity-checkPosition an external quote in the live market distribution (percentile + classification)./v1/rate-deltaCompare the market APR distribution now vs ~1/2/4 weeks ago./v1/competitive-positionSee where a given rate sits against the live competitive set./v1/buy-timingForward buy/refi-now vs wait lean from recent movement and break-even sensitivity.Affordability, monthly cost, refinance, and savings math grounded in real rates.
/v1/affordabilityMax monthly payment, loan amount, and home price from income and DTI caps./v1/monthly-costFull monthly cost (PITI) estimate for a loan./v1/refinance-break-evenBreak-even months and lifetime savings for a refinance./v1/scan-savingsFind the best refinance offer for each debt in a stack and quantify savings./v1/advice-guardrailsGuardrail checks (DTI strain, long terms, balloon, stale data) over a scenario.Standing decision monitors that re-evaluate scenarios and fire webhooks on change.
/v1/monitorsCreate a decision monitor (borrower or competitor)./v1/monitorsList your monitors./v1/monitors/{id}Fetch a single monitor./v1/monitors/{id}Update a monitor./v1/monitors/{id}Delete a monitor./v1/monitors/{id}/simulateDry-run a monitor against current rates without persisting.Credit union directory, metadata, and API key management.
/credit-unionsSearch the credit union directory./credit-unions/{state}/{slug}Fetch a single credit union profile./metaDataset metadata: products, states, freshness./keysProvision a new API key./keys/{keyId}/usageUsage stats for an API key./keys/{keyId}Revoke an API key.A free key gives you 20 requests/month (50 with email). Point your codegen at the live OpenAPI spec and you have a typed client in minutes.