RateAPI for loan officers & mortgage originators
One place for the tools that answer the questions every originator asks each morning: where do I rank, what are my competitors publishing, and what is the market actually doing — all computed from live credit union offers, with no affiliate bias.
Three Questions, Three Tools
Loan officers and mortgage originators use RateAPI to price with confidence instead of guessing. Know where your published rate ranks against the live market, watch a named competitor's published rate and get alerted when it moves, and read the national and state-level rate distribution — all from rates RateAPI collects directly from credit union websites.
See the live credit union mortgage rates powering these tools, or browse other RateAPI use cases.
The Originator Toolkit
Competitive Position
Post your published rate for a state and product and get back a market percentile, basis points versus the median, and a leading / competitive / overpriced verdict. Know exactly where your rate sheet lands.
Competitor Rate Monitoring
Subscribe a monitor to one specific credit union’s published rate and get alerted when it moves — not just the market-best decision. Persists the named target and a baseline snapshot so you see every change.
Benchmarks Explorer
Browse the live national and state-level mortgage rate distribution — min, median, and max for 30-year and 15-year fixed — built from real credit union offers, so you have a defensible market read for any conversation.
Via the API & MCP
Every tool on this page is also a /v1/* REST endpoint and an MCP tool, so you can wire it straight into your pricing workflow or an AI agent.
- Competitive position via
/v1/competitive-position - Competitor monitors via
/v1/monitors - Market benchmarks via
/v1/benchmarks - Plus client-facing extras: a printable client report and a rate-delta read for showing movement over time
Browse the full API reference for request and response shapes, or point an AI agent at the same capabilities through the MCP server.
Frequently Asked Questions
Common questions from loan officers and mortgage originators getting started with RateAPI.
It is built for loan officers, mortgage originators, and pricing desks who need to know where their published rate ranks, watch what specific competitors are publishing, and read the live market — all from real credit union data rather than gut feel.
Every tool here is powered by live mortgage offers RateAPI collects directly from credit union websites, with no affiliate relationships, placement fees, or lead selling. Each result carries an as_of timestamp so you know when the market snapshot was taken.
Both. Each tool has an interactive page in the dashboard at app.rateapi.dev, and every capability is also available as a /v1 REST endpoint and as an MCP tool for AI agents. Use whichever fits your workflow.
The mortgage tools cover 30-year fixed and 15-year fixed across all 50 US states plus DC, benchmarked against live credit union offers.
You can get a free API key with no signup form or sales call. The free tier includes 20 requests per month, or 50 with email, which is enough to try every tool on this page.
Price With Confidence
Get a free API key and run the tools in the dashboard, or wire them into your pricing workflow. Free tier includes 20 requests/month (or 50 with email). No signup form, no sales calls.