rateapi-skill/v1

The RateAPI Skills Gallery

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.

Browse SkillsQuickstart →Capability Catalog →

The Format

What is a rateAPI skill?

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.

1

Pick a flow

Rate shopping, affordability, refinance, monitoring/alerts, or deposit/ALM.

2

Copy the install

One Claude Code command to wire the MCP server, or a framework-agnostic curl recipe.

3

Ship the flow

Each skill maps to live MCP tools and REST routes from the capability catalog.

Gallery

Browse Skills

Search by name, flow, MCP tool, or REST route. Filter by the flow each skill covers.

5 skills

shopping/comparisonFree

Rate shopping & comparison

For: consumer

Rank live credit-union mortgage offers for a borrower and explain why each ranked where it did.

MCP tools
compare_productsexplain_ranking
REST routes
POST /v1/decisionsPOST /v1/explain-ranking
Install (Claude Code)
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"
Recipe (curl)
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}}'
affordabilityFree

Home affordability estimate

For: consumer

Compute max monthly payment, max loan amount, and max home price from income, debts, and DTI caps.

MCP tools
estimate_affordabilitymax_loan
REST routes
POST /v1/affordability
Install (Claude Code)
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"
Recipe (curl)
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}'
refinanceFree

Refinance break-even

For: consumer

Given a current loan and refinance costs, compute break-even months and lifetime savings against live rates.

MCP tools
refinance_break_even
REST routes
POST /v1/refinance-break-even
Install (Claude Code)
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"
Recipe (curl)
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}'
monitoring/alertsFree

Rate monitoring & alerts

For: developer

Watch rates for a market segment and fire webhooks/alerts on material changes, or subscribe consumers to email alerts.

MCP tools
create_monitorsubscribe_rate_alert
REST routes
POST /v1/monitorsPOST /v1/alerts
Install (Claude Code)
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"
Recipe (curl)
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"}'
deposit/ALMFree

Deposit beta (ALM)

For: treasury/ALM

Estimate deposit betas and benchmark deposit rates for treasury/ALM teams — how deposit pricing tracks the policy rate.

MCP tools
get_deposit_betaget_deposit_benchmarks
REST routes
POST /v1/deposit-betaPOST /v1/deposit-rates
Install (Claude Code)
claude mcp add rateapi https://mcp.rateapi.dev/mcp --transport http --header "x-api-key: rk_your_key_here"
Recipe (curl)
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"}'

Build your first flow

Get a free API key, then connect the MCP server or call the REST API directly.

QuickstartMCP Server