RateAPI processes thousands of financial product rates per hour from 4,300+ 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
How We Compare
Traditional rate aggregators rely on manual data entry, partnerships, and advertiser relationships. We take a different approach.
Feature
RateAPI
Traditional Aggregators
Data Sources
4,300+ 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
🏠
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