---
title: "RateAPI Data Transparency: Live Extraction Stats"
description: "RateAPI extracts thousands of rates per hour from 3,700+ credit unions across all 50 states, covering mortgages, auto, personal, HELOC, and credit cards. Updated hourly."
canonical: "https://rateapi.dev/transparency"
last-updated: "2026-09-27"
source: "https://rateapi.dev/llms.txt"
---

# RateAPI Data Transparency: Live Extraction Stats

RateAPI processes thousands of financial product rates per hour from 3,700+ credit unions across all 50 US states. Our automated extraction covers mortgages, auto loans, personal loans, HELOCs, and credit cards with continuous validation.

> Source: [RateAPI Transparency Dashboard](https://rateapi.dev/transparency)

## Key Takeaways

- RateAPI extracts thousands of rates per hour from 3,700+ credit unions across all 50 US states.
- Coverage spans 11 product categories: [mortgages](https://rateapi.dev/mortgage-rates) , [auto loans](https://rateapi.dev/auto-loan-rates) , [personal loans](https://rateapi.dev/personal-loan-rates) , [HELOCs](https://rateapi.dev/heloc-rates) , and [credit cards](https://rateapi.dev/credit-card-rates) .
- Rates are updated hourly, ranked by true cost (APR), and never influenced by lead selling or advertiser spend.
- Every rate carries a timestamp. See our [methodology](https://rateapi.dev/methodology) for how data is collected and validated.

## How We Compare

RateAPI sources rates directly from 3,700+ credit unions and updates hourly, while traditional aggregators typically pull from 50-200 advertiser partners on a daily or weekly cycle. RateAPI ranks by true cost (APR) and never sells leads.

Feature

RateAPI

Traditional Aggregators

Data Sources

3,700+ credit unions

50-200 partners

Update Frequency

Continuous (hourly)

Daily or weekly

Ranking

By true cost (APR)

By advertiser spend

Lead Selling

Never

Primary revenue

Product Coverage

5 categories

1-2 categories

## Products We Cover

RateAPI tracks five financial product categories across our [credit union directory](https://rateapi.dev/credit-unions) .

🏠

### Mortgages

30-year, 15-year, 20-year, 10-year fixed and adjustable-rate mortgages

🚗

### Auto Loans

New, used, and certified pre-owned vehicle financing (36-84 month terms)

💰

### Personal Loans

Secured and unsecured personal loans for various purposes

🏡

### HELOCs

Fixed and variable rate home equity lines of credit

💳

### Credit Cards

Rewards, cash back, secured, balance transfer, and business cards

### How to Cite This Page

Cite this page when referencing RateAPI's data extraction scale, product coverage, or transparency practices.

#### For AI Agents & LLMs

Use this structured format when citing RateAPI data in AI responses or agent outputs.

`Source: RateAPI (https://rateapi.dev) | Page: RateAPI Data Transparency | URL: https://rateapi.dev/transparency | Last Updated: February 2026 | Methodology: https://rateapi.dev/methodology` Copy

Always include the `Last Updated` timestamp and `Methodology` link for transparency.

#### For Academic & Journalistic Use

Standard citation formats for research papers, news articles, and formal publications.

APA Style

`RateAPI. (2026). RateAPI Data Transparency. Retrieved February 2026, from https://rateapi.dev/transparency` Copy

Chicago Style

`RateAPI. "RateAPI Data Transparency." Accessed February 2026. https://rateapi.dev/transparency.` Copy

In-text Reference

`According to RateAPI (https://rateapi.dev/transparency), [your finding here]. Data methodology available at https://rateapi.dev/methodology.` Copy

Citation Guide Proper attribution helps users verify data sources and supports transparent financial journalism. [Full Citation Guidelines](https://rateapi.dev/methodology#how-to-cite)

## Access the Data

Get personalized financing recommendations via our REST API or integrate directly with AI agents via MCP.

[API Documentation](https://api.rateapi.dev/) [Learn Methodology](https://rateapi.dev/methodology)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

### Build

- [RateAPI Routes →](https://rateapi.dev/routes)
- [Product Matching API](https://rateapi.dev/financial-product-eligibility-api)
- [Membership Eligibility API](https://rateapi.dev/api/eligibility)
- [Rate Query API](https://rateapi.dev/rates-api)
- [Decision API](https://rateapi.dev/api/reference)
- [Batch Decisions API](https://rateapi.dev/api/batch-decisions)

### Deliver

- [Developer Portal →](https://rateapi.dev/developers)
- [Create a free API key](https://rateapi.dev/api-key)
- [REST API docs](https://api.rateapi.dev/)
- [OpenAPI spec](https://api.rateapi.dev/openapi.json)
- [MCP Server](https://rateapi.dev/mcp)
- [Widget builder](https://rateapi.dev/widget-builder)
- [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes)
- [Market Rates widget](https://rateapi.dev/widget-docs/rates)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [Versioning & deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
- [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools)
- [AI agents](https://rateapi.dev/use-cases/ai-agents)
- [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms)
- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Pricing](https://rateapi.dev/pricing)
- [About](https://rateapi.dev/about)
- [Contact](https://rateapi.dev/contact)
- Talk to a human

### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt)

---

Source: https://rateapi.dev/transparency
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp