Discord Bot

Mortgage Rates in Discord

Add the RateAPI bot to your server. Get real-time mortgage rate comparisons, create alerts for rate drops, and ask natural language questions about rates—right where your team already works.

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Last updated: January 31, 2026

Quick Answer

What is the RateAPI Discord Bot?

The RateAPI Discord Bot brings real-time mortgage rate data from 4,300+ US credit unions directly into your Discord server. Use slash commands to compare rates, set up alerts for rate drops, and get instant answers to mortgage questions—no browser tabs or API integrations required.

Data Source4,300+ US credit unions

Update FrequencyDaily rate updates

Available Commands/rates, /alert, /alerts, /delete-alert

PriceFree

Products Covered30-year fixed, 15-year fixed, ARM mortgages

SetupOne-click invite, no API key needed

Features

What You Can Do

Everything you need to track mortgage rates in Discord

Real-Time Rate Comparisons

Query current mortgage rates from thousands of credit unions. See APR, points, and monthly payment estimates instantly.

Rate Drop Alerts

Set a target rate and get notified in your channel when rates drop below your threshold. Never miss a good rate again.

Natural Language Queries

Ask questions in plain English. The bot understands context and provides helpful, formatted responses.

Team Collaboration

Share rate data with your team, clients, or community. Everyone in the channel sees the same real-time information.

Trusted Data

Same data that powers our API. No affiliate relationships, no lead selling—just accurate rates sorted by true cost.

Instant Responses

Built on Cloudflare Workers for sub-second response times. Get answers immediately, not after loading screens.

Slash Commands

Available Commands

All commands the bot responds to

/ratesQuery

Get current best mortgage rates for a state and loan amount. Returns top rates with APR, points, and lender information.

staterequired2-letter state code (e.g., CA, TX, NY)

amountrequiredLoan amount in dollars (e.g., 500000)

$example

/rates
  state: CA
  amount: 500000

/alertCreate

Create a rate drop alert. You'll be notified in the channel when rates drop below your threshold.

staterequired2-letter state code

amountrequiredLoan amount in dollars

thresholdrequiredTarget rate to alert on (e.g., 6.0 for 6%)

$example

/alert
  state: CA
  amount: 500000
  threshold: 6.0

/alertsList

List all active rate alerts for your server. See which alerts are set up and their current thresholds.

—no parametersShows all alerts in current server

/delete-alertDelete

Delete an existing rate alert by its ID. Use /alerts first to see the list of alert IDs.

idrequiredThe alert ID to delete

How It Works

Under the Hood

You run a command

Type /rates or /alert in any channel where the bot is active

Bot queries RateAPI

The bot uses the same API that powers our MCP server and REST endpoints

Real-time data returns

You get current rates from 4,300+ credit unions, formatted for Discord

Alerts notify you

When rates drop below your threshold, the bot posts to your channel

Use Cases

Who Uses This

Real Estate Teams

Keep your team informed about current rates. Share updates with clients and track rate movements together.

Personal Finance Communities

Add rate data to your FIRE, investing, or personal finance Discord. Members can check rates without leaving the conversation.

Mortgage Professionals

Monitor competitive rates and get alerts when market conditions change. Stay ahead of rate movements.

Home Buyers

Set up alerts for your target rate and loan amount. Get notified the moment rates hit your goal.

FAQ

Common Questions

Does the RateAPI Discord bot support auto loans?

No. The Discord bot currently only supports mortgage rate queries (30-year fixed, 15-year fixed, and ARM products). Auto loan support is planned for a future release. If you need auto loan rates now, use the RateAPI REST API directly at api.rateapi.dev.

How often are the mortgage rates in the Discord bot updated?

The Discord bot uses the same data as the RateAPI REST API, which is updated daily. Each rate query returns the most recent data from 4,300+ credit unions across the United States. Rates are scraped directly from credit union websites every 24 hours.

Is the Discord bot free to use?

Yes. The RateAPI Discord bot is completely free to use with no API key required for end users. There are no rate limits for Discord commands. Server administrators simply add the bot to their server and members can start querying rates immediately.

What permissions does the Discord bot need?

The bot requires permissions to read messages, send messages, and use slash commands in your server. It does not require administrator permissions. The bot only responds to explicit slash commands and does not read or store message content from your channels.

How do rate drop alerts work in Discord?

When you create an alert using /alert, the bot monitors rates for your specified state and loan amount. When the best available rate drops below your threshold, the bot posts a notification message to the channel where the alert was created. Alerts check rates once per day when new data is scraped.

Can I use the Discord bot for commercial purposes?

Yes. Real estate professionals, mortgage brokers, and financial advisors can use the Discord bot to provide rate data to their teams and clients. The bot is free for both personal and commercial use. If you need higher rate limits or custom features, contact us about the RateAPI REST API instead.

What's the difference between the Discord bot, MCP server, and REST API?

The Discord bot is best for teams already using Discord who want rate data in their channels. The MCP server (rateapi.dev/mcp) is for Claude Desktop users who want mortgage rate context during AI conversations. The REST API is for developers building applications that need programmatic rate data. All three use the same underlying dataset.

Does the Discord bot show personalized rates based on my credit score?

No. The Discord bot shows publicly posted rates from credit unions, which typically assume excellent credit (740+ credit score). Your actual rate may differ based on your credit score, down payment, debt-to-income ratio, and other factors. The rates shown are starting points for comparison, not quotes or pre-approvals.

Comparison

Discord Bot vs Other Integration Options

Feature	Discord Bot	MCP Server	REST API
Best For	Teams using Discord	Claude Desktop users	Developers building apps
Setup Time	1 click	5 minutes (config file)	API key + code integration
API Key Required	No	Yes (free tier available)	Yes (free tier available)
Rate Limits	None	20-50 requests/month (free)	20-50 requests/month (free)
Alerts	Yes (via Discord webhook)	No	Yes (via API monitors)
Natural Language	Limited	Full (Claude AI)	No (structured queries)
Customization	None	Prompt engineering	Full programmatic control

Ready to add rate data to your server?

One click to install. No API keys, no configuration, no cost.

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