Rate data as an API

4,300 credit unions. One REST API.

Mortgages, auto loans, HELOCs, personal loans, credit cards. Sub-500ms responses. OpenAPI spec included. $50/month — broker daily email bundled.

Start Pro — $50/monthRead the docs →

Sub-500ms response·OpenAPI 3.1·Rate-limited, not throttled

Try it

Ask for the lowest 30-year rate in California.

Real API responses, live data, no signup required.

POST/v1/decisions
const response = await fetch('https://api.rateapi.dev/v1/decisions', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    decision_type: 'financing',
    context: { geo: { state: 'CA' } },
    product_request: {
      product_type: 'mortgage',
      intent: 'purchase',
      amount: 500000,
      term_months: 360
    },
    current_offer: { apr: 6.75 }
  })
});

// Returns: savings, ranked offers, recommendation
200 OK
Loading...

Ranked by true cost (APR + points + fees), not headline rate

In 60 seconds

From signup to first request in four lines.

Generate a key at app.rateapi.dev, then make any GET request. No SDK required.

Request
$terminal
curl https://api.rateapi.dev/v1/benchmarks?state=CA \
  -H "X-API-Key: rk_live_abc123..."
Response
{}/v1/benchmarks?state=CA
{
  "state": "CA",
  "generated_at": "2026-04-17T09:00:00Z",
  "benchmarks": [
    {
      "product_type": "mortgage_30yr_fixed",
      "count": 94,
      "min_apr": 5.875,
      "median_apr": 6.375,
      "max_apr": 7.125
    },
    {
      "product_type": "auto_loan_new",
      "count": 118,
      "min_apr": 4.24,
      "median_apr": 5.49,
      "max_apr": 7.99
    }
  ]
}

Endpoints

Five products. One consistent API.

Same auth, same pagination, same response shape. Switch product types with a query parameter.

GET/v1/benchmarks

Today's lowest, median, and highest APR per product per state. The fastest way to benchmark a quote.

POST/v1/decisions

Ranked recommendations by state and borrower profile, with monthly/lifetime savings math included.

GET/v1/credit-unions

All 4,300+ credit unions with their current rates, grouped by state. Paginated.

GET/v1/credit-unions/{state}/{slug}

One credit union profile with the full rate sheet — mortgage, auto, HELOC, personal, card.

POST/v1/monitors

HMAC-signed webhook alerts when rates move past your threshold. Configurable cooldowns.

Real-time

Alerts when the market moves.

Set thresholds, get HMAC-signed payloads. Full decision context in every delivery — not just "rate changed."

  • HMAC-SHA256 signed payloads

    Verify webhooks with the same signing pattern every modern provider uses. We send X-RateAPI-Signature and X-RateAPI-Event-Id headers on every delivery.

  • Configurable cooldowns, per-monitor filters

    Filter by state, product type, APR threshold, and borrower profile. Cooldowns prevent alert storms when the market moves.

  • Automatic retries with exponential backoff

    Failed deliveries retry up to 5 times over 24 hours. Every delivery attempt is logged and replayable from the dashboard.

JSverify-webhook.js
import crypto from 'node:crypto';
 
// Express / Node webhook handler
app.post('/webhooks/rateapi', (req, res) => {
  const signature = req.header('X-RateAPI-Signature');
  const body = JSON.stringify(req.body);
 
  const expected = crypto
    .createHmac('sha256', process.env.RATEAPI_WEBHOOK_SECRET)
    .update(body)
    .digest('hex');
 
  if (signature !== expected) {
    return res.status(401).send('Invalid signature');
  }
 
  // Safe to trust req.body
  handleRateDrop(req.body);
  res.status(200).send('OK');
});

API pricing

One plan. $50/month.

Full API access plus the broker daily email. Cancel anytime.

Pro

Production
$50/ month
  • 1,000 requests/month on every endpoint
  • HMAC-signed webhooks for rate movement
  • Unlimited /v1/decisions scenario quotes
  • Broker daily email included
  • Priority email support
  • Cancel anytime
Start your subscription →

Need more than 1,000 requests/month or multi-seat access? See Enterprise →

AI-ready

MCP server + Zapier + Discord bot.

RateAPI ships with a Model Context Protocol server for Claude, Cursor, and Windsurf, a Zapier app for no-code automations, and a Discord bot for rate-drop alerts in your team channel.

MCPModel Context Protocol

Works with Claude Desktop, Claude Code, Cursor, Windsurf, and any MCP-compatible client.

ZapierZapier integration

Wire up rate drops to Slack, Sheets, HubSpot, or any of 5,000+ Zapier apps — no code.

DiscordDiscord bot

Rate lookups and drop alerts directly in your team channel. Install in one click.

Build with us

Join the Discord.

Rate-drop alerts, release notes, and direct access to the team building the API.

Get rates in Discord

Natural-language rate queries, drop alerts, and a dedicated #api-help channel — right where your team already works.

Join the server →

Start building.

Start Pro — $50/monthPrefer the broker email product? →