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

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 those offers by lowest APR with approximate distance as a tie-breaker. HELOC matching excludes closed-end home-equity loans. This is a local shopping shortlist: distance is straight-line, membership is not guaranteed, and published APR is not personalized approval.

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, military, family, property, work/payroll, or facility door is not lost behind a candidate cap or state-only rate search. `reachable_now` requires a verified membership path, satisfied supplied product dimensions, and fresh evidenced published pricing; `reachable_after_action` requires the same product proof plus a documented membership action. Unknown or mismatched term, intent, vehicle condition, or occupancy remains `unresolved`, never silently matched. `no_published_offer` means no matching fresh evidenced rate was found. Deposits rank published APY only. Lending ranks published APR rows first and separately labeled nominal-rate rows second, never comparing APR and rate as one measure. Every price includes verbatim evidence and as_of, and routed membership results preserve graph/publication lineage and source proof. Use product-aware questions only as bounded facts that may clarify. Published pricing is not approval or guaranteed final availability.

Produce a clean, client-facing markdown rate comparison report a loan officer can share with a buyer. Pass either a saved scenario_id, or an inline client_name + comparison result (from get_financing_decision/compare_products).

Turn a saved client scenario into a public, branded, shareable URL (https://app.rateapi.dev/r/TOKEN) that anyone can view without logging in. Returns a token and url. The link shows the client name, scenario inputs, and the ranked comparison with a "Powered by RateAPI" footer. Use revoke_share to disable a link later.

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 covering every adjustable-rate mortgage regardless of initial fixed period), auto loans (new/used — cars only), RV/boat/motorcycle/powersports (first-class vehicle categories), HELOCs, and personal loans. Each product shows the lowest APR institution, median APR, and count of institutions.

Get a single saved cohort by id, including all members and the last scan snapshot (triage list).

Introspect what mortgage/loan data the API covers BEFORE scanning — which states, lenders, and product types are present, row counts per segment, and last-updated freshness per segment. Returns a coverage matrix so an agent can pick a scannable state/product before calling scan_savings or get_financing_decision. Mirrors the /meta global counts, expanded into a per-segment matrix. Boats, RVs, motorcycles, and powersports are first-class product categories; auto means cars.

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 ineligible; profile facts are regulatory snapshots, not live prices. Use this when a user asks about a specific credit union. For personalized rate recommendations, use get_financing_decision instead.

Best/median/spread credit-union deposit APY by product, term, and state, with per-CU peer ranking. Pass the MCP field `product` using one exact underscore value: savings, cd, share_certificate, money_market, ira_cd, ira, or share_savings. The MCP server translates it to REST `product_category`; do not send `product_category`, `mma`, or `money-market` to this tool. Deposits quote APY (no APR); CDs/share certificates include term. Current + recent data; history is retention-bounded.

Deposit beta (repricing sensitivity) = change in deposit APY per 100bps change in a benchmark/market rate — the core credit-union/bank ALM & interest-rate-risk (IRR) model input. Pass the MCP field `product` using an exact underscore value such as `money_market`; do not send `product_category`, `mma`, or `money-market`. Derived from RateAPI's retained published deposit-rate history. SHORT-WINDOW / retention-bounded: full-cycle beta needs multi-year history (roadmap) — results ship with an explicit confidence/depth caveat. Deposits quote APY, never APR. Aggregate published rates only — never member/borrower data.

DOCS: return the full text of one RateAPI documentation page by slug (from search_docs) or by its published URL. Documentation only — it describes the contract, not live rates. Available slugs: quickstart, authentication, rate-limits-and-pricing, coverage, freshness, evidence-and-methodology, quoting-rules, eligibility, endpoints, mcp-server, products-and-parameters, errors-and-troubleshooting, deprecation-policy.

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 verdict, and no claim that a person is eligible or ineligible.

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 freshness. The `authority` object distinguishes exact immutable active publications from older graph and flat compatibility records; `evidence_sources` reports the public source mix. Returns a dated `headline` sentence that can be quoted verbatim. Use this BEFORE find_eligible_credit_unions or check_membership_eligibility when the user asks how complete, authoritative, or fresh the eligibility data is. Aggregate only — no institution-level rows; those come from the eligibility tools. Never reports credit data: the rule schema has no condition kind for credit score, income or debt. An institution absent from the graph is undecided, never ineligible.

Get the organization's current email branding (display name, logo URL, brand color, intro, business address, reply-to).

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 collection health.

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 (fixed/variable), personal loans (secured/unsecured), student loans, equipment loans, and credit cards (rewards, cash_back, secured, balance_transfer, low_rate, business, platinum, student). Analyzes current market offers and returns actionable recommendations with explanations. Use this instead of looking up raw rates when the user is asking "what rate can I get?" and does NOT yet have an offer. IMPORTANT: if the user ALREADY has a quoted rate and is asking whether it is good/fair/competitive ("I was quoted 6.9%, is that any good?"), call rate_sanity_check instead — it returns a percentile verdict on their specific number, which is what that question is actually asking. Provide the user's state, intent (purchase/refinance/cash_out/balance_transfer/new_credit), and amount for personalized advice.

Loan-officer competitive-landscape report: ranked roster of the top N lenders publishing a given mortgage product in a state today — per-lender rows (name, best APR/rate, product, position, bps above the leader) — plus the market min/median/max. The market median is INSTITUTION-level — one vote per lender, using each lender's best APR (basis = total_lenders, not market.count) — so a lender publishing a large rate matrix cannot pull it. Extends get_benchmarks (which returns only min/median/max + the single lowest institution) with the full ranked table.

Get detailed information about a specific monitor by its ID.

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

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 reachable_after_action; unresolved and no_published_price are unknown, never a denial. Published APY, APR, or clearly labeled nominal rate is not a personalized quote, underwriting result, preapproval, commitment, or guarantee. Every returned published price carries source evidence and as_of.

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 eligible, easy to qualify, approved, or within a published balance/audience constraint; unavailable evidence stays unavailable.

Compare the LIVE market rate distribution now vs ~1/2/4 weeks ago for a product and state. Returns now/then min, median, max, count plus the median and min delta and a direction (down/up/flat). Bounded by data retention — if no comparable historical snapshot exists, then is null with an explanatory note. Use this to show how rates have moved recently.

Historical rate time-series: a date-ranged array of {date, min/median/max APR, count} points per product/state for dashboards, charts, backtests, and timing confidence — bounded by data retention. Differs from get_rate_delta (a single now-vs-then comparison): this returns the full series. Boats, RVs, motorcycles, and powersports are first-class product types; auto_loan means cars. Calls the /v1/rate-history public API (single source of truth).

Get a single saved scenario by id (inputs + stored comparison).

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.

List saved cohorts for the account (newest first). Returns id, name, member count, and last scan time. Keeps the payload small — use get_cohort for full member detail.

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 rate recommendations, use get_financing_decision instead.

Recall past financing decisions made on this account (audit log). Filter by request_id to look up a specific prior decision, or paginate with limit/offset.

List the account's scheduled digests (cohort, email, cadence, enabled, last run).

List the organization's branded rate-email campaigns (name, criteria, cadence, status, last run).

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

List the rate alerts subscribed for a given email (status, product, state, intent, target, last notified).

List and filter raw rate rows (the core data primitive) by product, state, lender, and term with limit/offset pagination. Boats, RVs, motorcycles, and powersports are first-class product types; auto_loan means cars.

List saved client scenarios for the account, newest first.

List all hosted shareable report links for the account, newest first. Returns token, scenario_id, client_name, views, last_viewed_at, revoked, created_at, and url for each share. Use this to see view analytics and manage which links are still live.

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 summary (total/delivered/failed/pending). Use this to surface SILENT webhook failures (a delivery that never reached your endpoint). Filter by monitor_id and/or status. To replay a failed (or any) delivery, set redeliver_id to that row's id; the original payload is re-sent verbatim and the replay is itself audited. Distinct from deliver_test_webhook, which sends a brand-new simulated event.

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.

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.

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 supplied, the current best market rate for the state is used. Use for 'when does my PMI go away / how do I get rid of PMI faster?' questions.