RateAPI — live US mortgage, auto, HELOC, personal & deposit rates

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How to connect

Add it to any MCP client that supports remote servers.

{
  "mcpServers": {
    "rateapi-live-us-mortgage-auto-heloc-personal-deposit-rates": {
      "type": "http",
      "url": "https://mcp.rateapi.dev/mcp"
    }
  }
}

89 tools

• get_financing_decision

  RECOMMENDED WHEN SHOPPING: Get personalized financing recommendations for ANY loan or credit product across every major type: mortgages (30yr/15yr/20yr/10yr fixed and ARMs), auto loans (new/used/CPO, 36-84 month terms), RV/boat/motorcycle/powersports loans, HELOCs…

• list_credit_unions

  Reference tool: Discover credit unions by state or nearest to a 5-digit ZIP. State listings include rate availability, member count, and reported location count. ZIP discovery ranks NCUA-reported branches by estimated straight-line miles from the ZIP center. For personalized…

• find_credit_unions_near_zip

  Use when someone asks for "credit unions near me," the closest credit union, local credit-union branches, or nearby alternatives to a bank. Given a 5-digit ZIP, returns credit unions ordered by the estimated straight-line distance to each institution's closest NCUA-reported…

• find_product_rates_near_zip

  Use when someone asks for the best mortgage, auto-loan, HELOC, personal-loan, student-loan, equipment-loan, or credit-card rates near them and provides a ZIP. Finds the nearest NCUA-reported branch set, keeps credit unions with a current product-matched published rate, and ranks…

• get_credit_union

  Reference tool: Get a credit union's rates, membership eligibility, and source-labelled NCUA quarterly profile: members, assets, year opened, charter, reported services, and branch locations. Eligibility annotates published criteria and never asserts that an individual is…

• check_membership_eligibility

  `relative_memberships` carries confirmed current/deceased relative membership scoped to one exact target credit union; one institution is never reused for another. Check whether a user can JOIN specific credit unions (field-of-membership eligibility). Batch-friendly: pass 1-50…

• find_eligible_credit_unions

  `relative_memberships` carries confirmed current/deceased relative membership scoped to one exact target credit union; one institution is never reused for another. `next_questions.unlocks_cu_count` counts membership decisions an answer may clarify, never guaranteed products…

• find_reachable_offers

  Find the best fresh, evidence-backed credit-union rates reachable from this person’s membership facts. This composed graph-first operation evaluates the complete active US credit-union fleet BEFORE rates are queried, so a strong out-of-state employer, association, school…

• get_personal_access_catalog

  Evaluate one person across 1-19 explicit loan or deposit selectors using one exhaustive eligibility snapshot. Returns separate membership, published availability, product suitability, published pricing, underwriting, and approval layers. Lead only with reachable_now or…

• compare_personal_access_catalogs

  Compare baseline and candidate confirmed person facts across the same 1-19 explicit products. Both catalogs use one pinned immutable eligibility graph snapshot; rate rows retain independent evidence and as_of. Returns access, membership-path, and like-for-like published-price…

• search_eligibility_entities

  Browse or search canonical employers, associations, schools, or worship organizations that appear in positive conditions in current active eligibility publications. Omit query to browse by active-publication graph connectivity; that order is NOT popularity, quality, or a…

• resolve_eligibility_entities

  Resolve up to 50 typed organization names for canonical eligibility input. Only one exact normalized active-publication match with confidence of at least 0.8 is authoritative (`resolved`); a lower-confidence exact match remains `unresolved`, multiple exact matches are…

• compare_reachable_offers

  Compare one baseline person-fact panel with one candidate panel against the same active eligibility snapshot and exact product request. Use this for explicit what-if questions such as adding a confirmed employer or association. Newly reachable means current positive evidence now…

• get_product_access_envelopes

  Get non-personal, evidence-bound membership-access metadata for up to 50 exact deposit product references. Returns active-publication path kinds and documented joinable-association actions alongside the current evidenced product rate. This does NOT decide whether a person is…

• evaluate_eligibility_cohort

  Evaluate a caller-supplied panel of 1-10 named fact profiles for one exact product against one serving snapshot, deduplicating reachable institutions and exact offers. This is descriptive only for the supplied panel: never call it a population estimate, conversion rate, approval…

• get_eligibility_changes

  Read the bounded, cursor-paginated feed of currently active eligibility publication replacements since an ISO timestamp. Use it to invalidate caches keyed by credit_union_id or publication identity. It exposes aggregate publication metadata only: no personal facts, no historical…

• extract_eligibility_facts

  Turn a person's own words about themselves into the structured facts the eligibility tools accept. Pass their sentence verbatim ("I'm a nurse at a Tulsa hospital, I live in Broken Arrow, my late father was a TTCU member") and this returns each fact it could read, with the exact…

• create_monitor

  Create a new decision monitor that watches for rate changes and sends webhook notifications when conditions are met. Returns the monitor with a webhook_signing_secret for verifying webhook payloads.

• create_competitor_monitor

  Subscribe a monitor to a SPECIFIC named credit union's published rate and alert via webhook when that CU changes its rate (vs the aggregate market-best decision). Returns the monitor with a webhook_signing_secret (shown once) and a baseline snapshot of the CU's current rate.

• list_monitors

  List all monitors associated with your API key. Supports pagination and filtering by status.

• get_monitor

  Get detailed information about a specific monitor by its ID.

• update_monitor

  Update an existing monitor. Only provided fields will be updated.

• delete_monitor

  Permanently delete a monitor. This action cannot be undone.

• simulate_monitor

  Test a monitor with a simulated rate change to see if it would trigger. No webhook is sent. It is not a pure dry run: the simulation IS recorded, as a monitor_evaluations row (and a webhook audit row) flagged is_simulation = 1, so it appears in the monitor's history clearly…

• deliver_test_webhook

  Send a test webhook for a monitor using a simulated rate change. This actually delivers an HTTP request to the monitor's configured webhook URL. IMPORTANT: a test delivery is NOT signed with the monitor's signing secret — only a hash of that secret is stored, so test deliveries…

• list_webhook_deliveries

  Org-scoped webhook delivery observability for the authenticated API key. Lists the per-event webhook delivery log for your monitors — each row shows status (delivered/failed/pending), HTTP response code, error, response time, the destination URL, and timestamp — with a roll-up…

• get_eligibility_coverage

  Enterprise RateAPI Routes coverage: how many US credit unions RateAPI holds live, verbatim-evidenced membership rules for (and what share of the active fleet that is), how the rules split by kind, how many counties, states and employers they name, verification status, and…

• get_extraction_stats

  Get data extraction statistics showing the scale and health of rate data collection. Use this to understand extraction volumes, product coverage, and data freshness. Supports filtering by date range and product type. Great for building transparency dashboards or monitoring data…

• get_benchmarks

  Get rate benchmark statistics (min/median/max APR) across all institutions. Use this for market analysis, comparing user quotes against market rates, or building benchmark dashboards. Returns statistics for mortgages (30yr fixed, 15yr fixed, and `mortgage_arm` — one bucket…

• compare_products

  Compare the best real rates across MULTIPLE lending products in a single call — e.g. show a buyer mortgage vs HELOC, or new vs used auto. Runs the decision engine for each product and returns a ranked, true-cost (APR + fees) table. Use this instead of calling…

• refinance_break_even

  Tell a borrower whether refinancing is worth it. Compares their current rate against the best real market offer and returns monthly savings, lifetime savings, and break-even months. Use for 'should I refinance?' questions.

• optimize_buydown

  Given a discount-points / lender-credit tradeoff menu for a candidate loan, returns break-even months, lifetime savings, and the optimal point-spend. The points analog of refinance_break_even.

• max_loan

  Estimate the largest loan a borrower can afford from income and a target debt-to-income (DTI) ratio. Returns max monthly payment, max loan amount, and the rate used. If no rate is supplied, the current best market rate for the product/state is used.

• estimate_affordability

  Borrower-facing home affordability estimate: given gross income, existing monthly debts, down payment, and front-end/back-end DTI caps, compute the max monthly payment, max loan amount, and max home price. Surfaces the max_loan annuity engine. If no rate is supplied, the current…

• estimate_monthly_cost

  Total monthly housing cost (PITI): principal+interest plus property tax, homeowners insurance, PMI, and HOA, so affordability reflects real monthly outlay. If no rate is supplied, the current best market rate for the state is used.

• analyze_rent_vs_buy

  Compare projected cost of renting vs buying a home over a holding period, anchored to LIVE market mortgage rates. Given home price, down payment, monthly rent, and a holding period, returns year-by-year cumulative cost of each path (rent vs PITI), equity built, net cost of…

• project_pmi_removal

  For low-down-payment borrowers (LTV > 80%): projects when private mortgage insurance (PMI) drops off, the total PMI paid until then, and how much extra monthly principal cancels PMI sooner. Reuses the same amortization + PMI logic as estimate_monthly_cost. If no rate is…

• get_usage

  Check the calling account's API usage and remaining quota for this month (tier, used, remaining, limit, reset date). Use BEFORE running many calls to avoid hitting rate limits.

• get_monitor_stats

  Get rollup stats for the account's rate monitors: total, active, and webhooks sent. Complements list_monitors.

• save_scenario

  Save a rate comparison for a named client so it can be recalled later (a lightweight CRM for loan officers). Pass the client label and the inputs/results you want to keep.

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