Versioned, framework-agnostic recipe packages that turn rateAPI capabilities into agent-ready lending flows. Each skill maps a real-world flow to the MCP tools and REST routes behind it — with copy-paste install commands.
The Format
A skill is a small, versioned recipe (SKILL.md + recipe.json) that takes one lending flow and packages everything an agent or developer needs to build it: the MCP tools to call, the REST routes behind them, the required inputs, and install snippets. Skills cross-reference the live capability catalog, so they can never describe a tool or route the API doesn't expose.
Credit union discovery, rate shopping, affordability, refinance, monitoring/alerts, or deposit/ALM.
One Claude Code command to wire the MCP server, or a framework-agnostic curl recipe.
Each skill maps to live MCP tools and REST routes from the capability catalog.
Gallery
Search by name, flow, MCP tool, or REST route. Filter by the flow each skill covers.
6 skills
For: consumer
Find credit unions near a ZIP, inspect their current rates and source-labelled NCUA profiles, then evaluate published membership paths before recommending one.
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"curl "https://api.rateapi.dev/credit-unions/nearby?zip=95814" -H "x-api-key: rk_your_key_here"For: consumer
Rank live credit-union mortgage offers for a borrower and explain why each ranked where it did.
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"curl -X POST https://api.rateapi.dev/v1/decisions -H "x-api-key: rk_your_key_here" -H "Content-Type: application/json" -d '{"decision_type":"financing","context":{"request_id":"req_001","geo":{"state":"CA"}},"product_request":{"product_type":"mortgage","intent":"purchase","amount":400000,"term_months":360}}'For: consumer
Compute max monthly payment, max loan amount, and max home price from income, debts, and DTI caps.
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"curl -X POST https://api.rateapi.dev/v1/affordability -H "x-api-key: rk_your_key_here" -H "Content-Type: application/json" -d '{"income_annual":120000,"monthly_debts":600,"down_payment":60000}'For: consumer
Given a current loan and refinance costs, compute break-even months and lifetime savings against live rates.
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"curl -X POST https://api.rateapi.dev/v1/refinance-break-even -H "x-api-key: rk_your_key_here" -H "Content-Type: application/json" -d '{"state":"TX","product_type":"mortgage","balance":350000,"term_months":360,"current_rate":7.25}'For: developer
Watch rates for a market segment and fire webhooks/alerts on material changes, or subscribe consumers to email alerts.
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"curl -X POST https://api.rateapi.dev/v1/monitors -H "x-api-key: rk_your_key_here" -H "Content-Type: application/json" -d '{"name":"CA 30yr watch","decision_context":{"state":"CA","product_type":"mortgage","intent":"purchase","amount":400000},"webhook_url":"https://example.com/hook"}'For: treasury/ALM
Estimate deposit betas and benchmark deposit rates for treasury/ALM teams — how deposit pricing tracks the policy rate.
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"curl -X POST https://api.rateapi.dev/v1/deposit-beta -H "x-api-key: rk_your_key_here" -H "Content-Type: application/json" -d '{"product":"money_market"}'Get a free API key, then connect the MCP server or call the REST API directly.