Keep Your Users' Mortgages Optimized Automatically
Monitor 4,300+ credit unions in real-time and alert your users the moment better rates become available. Turn your retirement calculator into a proactive financial advisor.
How Do Financial Planning Apps Use RateAPI?
Financial planning apps use RateAPI to show users when refinancing saves money. The decisions endpoint compares a user's current mortgage against 4,300+ credit union rates and calculates monthly and lifetime savings. Webhook monitors notify users automatically when rates drop below their threshold—turning passive apps into proactive financial advisors.
Your Users Optimize Investments but Miss Refinance Opportunities
People using financial planning apps spend hours optimizing their investment allocations, withdrawal strategies, and tax efficiency. They model sequence-of-returns risk and asset correlations down to the basis point.
Then they lose tens of thousands of dollars by accepting a 6.5% mortgage rate while credit unions down the street offer 5.875%. They have the financial sophistication to plan a 40-year retirement but lack access to basic rate data for their single largest financial decision.
The average American overpays $47,000+ over the life of their mortgage simply because they don't know what rates are actually available. Your app can fix this.
Three Steps to Proactive Refinance Alerts
Store Your User's Current Mortgage
When users add their mortgage to your app, capture the current rate, balance, and state. This becomes the baseline for savings calculations.
// User's current mortgage dataconst userMortgage = { currentRate: 6.5, balance: 450000, state: "CA", termMonths: 324};Create a Webhook Monitor
Set up a monitor that watches for rates below your user's current APR. Our monitors trigger on offers ranked by true cost, not just low headline rates. You won't spam users with teaser rates they can't qualify for—only legitimate savings opportunities backed by transparent data.
// Create a rate drop monitorPOST /v1/monitors{ "name": "User 12345 refinance alert", "decision_context": { "state": "CA", "intent": "refinance", "amount": 450000 }, "conditions": [{ "field": "apr", "operator": "lt", "value": 6.0 }], "webhook_url": "https://yourapp.com/webhooks/rates"}Notify Users When Rates Drop
When our webhook fires, you receive complete recommendation data including the credit union, rate, monthly savings, and total lifetime savings. Every offer is pre-verified and ranked by actual attainability—no misleading teaser rates that disappear at application.
// Webhook payload you receive{ "trigger": "condition_met", "best_offer": { "credit_union": "Navy Federal Credit Union", "apr": 5.875, "monthly_payment": 2665, "monthly_savings": 189, "lifetime_savings": 51030 }}Built for Financial Planning Apps
Proactive Refinance Alerts
Webhook monitors notify your app the moment rates drop below your user's current APR. Alerts are based on true cost rankings, filtering out teaser rates and bait-and-switch offers before they reach your users.
Multi-Asset Portfolio MonitoringComing Soon
Mortgages today, auto loans, HELOCs, and personal loans coming soon. One API for all your users' debt optimization needs.
Zero Affiliate Bias
No lender relationships, no placement fees, no lead selling. Pure market data ranked by true cost—not headline APR. We penalize lenders with deceptive bait-and-switch tactics, so your users only see offers they can actually get.
Sub-200ms Response
Real-time recommendations without blocking your UI. Edge-deployed globally for consistent performance worldwide.
Beyond Mortgages
We're building the infrastructure for complete debt optimization. Same API, same webhook monitors, more savings opportunities for your users.
Try the Live Demos
Clone our demo repository and run the webhook monitor and rate explorer locally. See exactly how the integration works before writing a line of code.
# Clone and run the rate monitor demogit clone https://github.com/rate-api/demoscd demos/rate-monitornpm installnode verify-signature.jsFrequently Asked Questions
Common questions about integrating RateAPI webhooks and refinance alerts into your financial planning app.
RateAPI webhooks monitor mortgage rates continuously and send HTTP POST requests to your specified URL when conditions are met. You define the trigger conditions (e.g., APR below 6%), and we send the best available offers with complete details including credit union name, rate, APR, and calculated savings.
Savings are calculated by comparing the user's current monthly payment against the new payment at the lower rate. Monthly savings equals the difference in payments. Lifetime savings multiplies the monthly savings by remaining months, minus estimated closing costs. All calculations use actual APR, not just the advertised rate.
RateAPI scrapes 4,300+ credit union websites daily and updates rates as they change. Each rate includes a last_observed timestamp so you can show users exactly when the rate was verified. Most rates are less than 24 hours old.
Yes, you can create individual monitors for each user with their specific state, loan amount, and rate threshold. Each monitor fires independently when its conditions are met, allowing personalized alerts at scale.
RateAPI retries failed webhook deliveries with exponential backoff. If delivery fails after multiple attempts, you can query the monitor's event history via the API to retrieve missed notifications.
Ready to Add Mortgage Intelligence to Your App?
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