RateAPI
RateAPI provides real-time, institution-level interest rates from 1,400+ US credit unions across all 50 states. Five product types in one API: mortgages (30yr/15yr fixed), auto loans (new/used), HELOCs, personal loans, and credit cards. Every rate is ranked by APR, not affiliate revenue -- zero pay-to-play. Free tier with 50 requests/month, OpenAPI spec included, sub-200ms response time on…
1 subscribers
18 endpoints
The in-depth APIMemo review for this API hasn't been published yet —
the data below comes straight from the public marketplace listing.
RateAPI endpoints
| Method | Endpoint | Description |
|---|---|---|
| API Key Management | ||
| POST |
createApiKey /keys |
Creates a new API key for accessing the API. The key is returned only once - store it securely as it cannot be retrieved again. New keys are created at **Tier 1 (Free)** with 20… |
| DELETE |
deleteApiKey /keys/{keyId} |
Permanently disables an API key. This action cannot be undone. You can only disable your own API key. **Authentication required**: Pass your API key in the `X-API-Key` header. |
| GET |
getKeyUsage /keys/{keyId}/usage |
Returns usage statistics including requests made, remaining quota, tier information, and recent request history. You can only view usage for your own API key. **Authentication… |
| Metadata | ||
| GET |
getMeta /meta |
Returns metadata about the mortgage rates dataset including: - When the data was last updated - Total number of rates in the dataset - Available product types (e.g., "30-Year… |
| Reference Data | ||
| GET |
getCreditUnions /credit-unions |
Returns a list of all credit unions in the database, grouped by US state. Includes metadata such as number of products, last verified date, and whether rates are available.… |
| GET |
getCreditUnionProfile /credit-unions/{state}/{slug} |
Returns detailed information about a specific credit union including all current mortgage rates. Use the state code and slug from the `/credit-unions` endpoint. **Authentication… |
| Decision Monitors | ||
| GET |
getMonitor /v1/monitors/{id} |
Returns detailed information about a specific monitor including its configuration, conditions, and last activity timestamps. **Authentication required**: Pass your API key in the… |
| POST |
simulateMonitor /v1/monitors/{id}/simulate |
Simulates a rate change event to test your monitor configuration and webhook integration. The simulation evaluates your monitor's conditions against the provided rate change and… |
| DELETE |
deleteMonitor /v1/monitors/{id} |
Permanently deletes a monitor. This action cannot be undone. All associated evaluation history will also be deleted. **Authentication required**: Pass your API key in the… |
| POST |
createMonitor /v1/monitors |
Creates a new monitor that watches for rate changes matching the specified criteria. When rates change and meet the monitor's conditions, a webhook is delivered to your… |
| GET |
listMonitors /v1/monitors |
Returns all monitors associated with the authenticated API key. Supports pagination and optional filtering by status. **Authentication required**: Pass your API key in the… |
| PATCH |
updateMonitor /v1/monitors/{id} |
Updates a monitor's configuration. Only the fields provided in the request body will be updated. Set `regenerate_signing_secret: true` to generate a new webhook signing secret.… |
| Primary - Decisions | ||
| POST |
createDecision /v1/decisions |
**This is the primary endpoint for production use.** Analyzes borrower context, product requirements, and current market offers to return ranked action recommendations with… |
| Data & Analytics | ||
| GET |
getExtractionStats /v1/stats |
Returns comprehensive statistics about rate extraction activity. Use this to understand the scale and freshness of the data being collected. **Filtering Options:** - `startTime`… |
| GET |
getBenchmarks /v1/benchmarks |
Returns aggregate rate statistics (min, median, max APR) across all institutions for each product type. Ideal for benchmark pages, market analysis, and rate comparisons. Data is… |
| Admin | ||
| GET |
getUsageReport /v1/admin/usage-report |
Returns an admin usage report with API key activity, request counts, and usage trends. Supports daily (24h) and weekly (7d) periods. **Authentication required**: Pass your API… |
| openapi.json | ||
| GET |
getOpenApiSpec /openapi.json |
Returns the raw OpenAPI 3.1.0 specification for this API in JSON format. Use this endpoint to programmatically access the API schema for code generation, documentation tools, or… |
| Other endpoints | ||
| GET |
getHomepage / |
Returns interactive Swagger UI documentation when accessed from a browser (Accept: text/html), or the raw OpenAPI JSON specification when accessed programmatically (Accept:… |
RateAPI pricing
| Plan | Price | Rate limit | Quotas |
|---|---|---|---|
| BASIC | Free | — |
|
| PRO | $50 / month | — |
|
