Model Context Protocol

Mortgage & Auto Loan Rates in Claude

Connect RateAPI directly to Claude Desktop or Claude Code using MCP. Ask questions about mortgage and auto loan rates in natural language.

MCP Server Docs →Quick Setup
Last updated: January 28, 2026
Quick Answer

What is the RateAPI MCP Server?

The RateAPI MCP Server is a Model Context Protocol server that connects Claude Desktop and Claude Code to real-time mortgage and auto loan rates from 4,300+ US lenders. It enables Claude to query rates, compare offers, and provide personalized financing recommendations directly within conversations without manual API integration.

Endpointhttps://mcp.rateapi.dev/mcp
TransportHTTP with API key header authentication
Available Toolsget_financing_decision, list_credit_unions, get_credit_union, get_state_rates, search_rates
Data FreshnessDaily updates from 4,300+ credit unions
Setup Time2 minutes (get API key, configure Claude)

What is MCP?

The Model Context Protocol lets AI assistants like Claude access external data sources directly. Instead of copying and pasting rate data, Claude can query RateAPI in real-time during your conversation.

💬
“What's the best 30-year fixed mortgage rate right now?”

Claude queries RateAPI and returns live rates from 4,300+ credit unions.

🚗
“Find me 60-month auto loan rates for a used car”

Get personalized auto loan recommendations with vehicle condition filters.

📊
“Compare Navy Federal vs PenFed rates”

Side-by-side comparison with current APRs, points, and fees.

🔍
“Find mortgage rates under 6% with no points”

Filtered searches across the entire dataset.

Quick Start

Set Up in 2 Minutes

1

Get Started

One command. No signup required.

$terminal
# Basic (20 requests/month)
curl -X POST https://api.rateapi.dev/keys
 
# With email for 2.5x more requests (50/month)
curl -X POST https://api.rateapi.dev/keys \
  -H "Content-Type: application/json" \
  -d '{"email": "[email protected]"}'

Save your key securely - it can't be retrieved again. Free tier includes 20 requests/month (or 50 with email).

2a

Configure Claude Desktop

Edit ~/Library/Application Support/Claude/claude_desktop_config.json

{}claude_desktop_config.json
{
  "mcpServers": {
    "rateapi": {
      "url": "https://mcp.rateapi.dev/mcp",
      "headers": {
        "x-api-key": "rk_your_key_here"
      }
    }
  }
}

Restart Claude Desktop after saving the config file.

2b

Or Configure Claude Code (CLI)

$terminal
claude mcp add rateapi https://mcp.rateapi.dev/mcp \
  --transport http \
  --header "x-api-key: rk_your_key_here"
3

Start Asking Questions

"What are the best 30-year fixed mortgage rates right now?"
"Find me 72-month auto loan rates for a new 2024 SUV"
"Compare Navy Federal vs Pentagon Federal mortgage rates"
"What are the best used car loan rates under 5% APR?"
"Find me mortgage rates under 6.5% APR with no points"
"What's the average 15-year fixed rate today?"

MCP Tools

Available Commands

Claude can use these tools to query mortgage and auto loan rate data

get_financing_decision

Get personalized mortgage or auto loan recommendations with APR, monthly payment, and savings analysis

list_credit_unions

Browse all tracked credit unions by state with rate availability info

get_credit_union

Get detailed information and all published rates for a specific credit union

create_monitor

Set up webhook alerts when rates meet specific conditions

list_monitors

View all your active rate monitoring alerts

simulate_monitor

Test monitor conditions with simulated rate changes

Full MCP Documentation →

Ready to get started?

Get your API key and connect RateAPI to Claude in under 2 minutes.

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