MCP server

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

dev.rateapi/mcp

Checked 25 Oct 2026, 20:29 UTC · Connected to it and listed its tools

Live US mortgage, auto, HELOC, personal & deposit rates with evidence, plus who can join each lender

Website

At a glance

Type

MCP server

Publisher

rateapi.dev (verified by the MCP Registry)

Status

Working at last check

Tools

89

Token cost

About 58,489 tokens per request

Sets up in

Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok

Last checked

25 Oct 2026, 20:29 UTC

Connect it to your agent

Add to CursorAdd to VS CodeVS Code Insiders

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

claude mcp add --transport http rateapi https://mcp.rateapi.dev/mcp

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

[mcp_servers.rateapi]
url = "https://mcp.rateapi.dev/mcp"

Gemini CLI

{"mcpServers":{"rateapi":{"httpUrl":"https://mcp.rateapi.dev/mcp"}}}

Cursor

{"mcpServers":{"rateapi":{"url":"https://mcp.rateapi.dev/mcp"}}}

VS Code

{"servers":{"rateapi":{"type":"http","url":"https://mcp.rateapi.dev/mcp"}}}

Antigravity

agy mcp add rateapi https://mcp.rateapi.dev/mcp

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"rateapi","server_url":"https://mcp.rateapi.dev/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"rateapi","server_url":"https://mcp.rateapi.dev/mcp"}

Tools

• add_campaign_recipients ~142 tokens
  Add recipients (email + optional name) to a campaign. Up to 50 per request, 200 per campaign. Duplicate addresses are ignored.
• analyze_rent_vs_buy Moves money · ~726 tokens
  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 owning after sale, and the
• assess_buy_timing Moves money · ~431 tokens
  Frame a buy/refi-now vs wait recommendation. Combines recent rate movement (direction + magnitude over 1w/2w/4w) with break-even sensitivity on the borrower's loan to return a forward 'lock now' vs 'wait' lean, the bps swing that would change the call, and the cost of waiting. Use for 'should I lock
• assess_rate_lock ~435 tokens
  Lock-window-aware lock-vs-float-down recommendation for a deal already in the pipeline. Given a known lock-expiration date, the currently locked rate, and the float-down cost, returns a defensible hold-lock vs exercise-float-down call a loan officer can document — combining recent market movement (1
• batch_decisions ~414 tokens
  Score an array of inline financing scenarios in one stateless call; returns ranked decisions and top offers per item — no persisted cohorts, no per-borrower HTTP loops.
• build_amortization_schedule ~481 tokens
  Build a year-by-year amortization / payoff schedule for a loan: total lifetime interest, principal/interest split per period, and a what-if extra-payment accelerator showing months saved and interest saved. Resolves the market rate from real credit-union offers when no rate is provided.
• check_advice_guardrails ~509 tokens
  Run compliance/suitability guardrails over a financing scenario and an optional recommendation. Returns flags (red/yellow with code + message) for things like DTI strain, long auto terms with negative-equity risk, possible balloon payments, and stale market data, plus generic disclaimers and an over
• check_competitive_position ~296 tokens
  LENDER-side 'is my offer competitive' check — input your OWN published rate for a state+product, get the market percentile, bps vs the state median, and a leading/competitive/overpriced verdict. This is for a loan officer or credit union benchmarking their published pricing against the live market d
• check_membership_eligibility ~4332 tokens
  `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 credit_union_ids (from
• compare_personal_access_catalogs ~6395 tokens
  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 basis-point deltas: APY
• compare_products ~398 tokens
  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 get_financing_decision repeatedly. Each
• compare_reachable_offers ~6339 tokens
  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 proves a path; no_lo
• compare_total_cost ~350 tokens
  Apples-to-apples multi-lender ranking by TOTAL cost of a loan (upfront origination/lender fees + lifetime interest over the holding period), not just the headline rate. Re-ranks real credit union offers and flags when the lowest-rate lender is not the cheapest overall.
• create_competitor_monitor ~608 tokens
  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.
• create_email_campaign ~605 tokens
  Create a branded rate-email campaign: on a cadence, email the campaign's recipient list the latest rates for one or more states (or a named region preset) under the org's branding, with ONE OR MORE products (1-5, no duplicates). Each product is one of: {category:'mortgage', subtype:'30-year-fixed'|'
• create_monitor ~658 tokens
  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.
• delete_cohort Deletes data · ~68 tokens
  Permanently delete a saved cohort by id. This action cannot be undone.
• delete_digest Deletes data · ~66 tokens
  Delete a scheduled digest by id. Stops the recurring email.
• delete_email_campaign Deletes data · ~74 tokens
  Delete a branded rate-email campaign and its recipients. This cannot be undone.
• delete_monitor Deletes data · ~80 tokens
  Permanently delete a monitor. This action cannot be undone.
• delete_scenario Deletes data · ~55 tokens
  Delete a saved scenario by id.
• deliver_test_webhook ~354 tokens
  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 use a placeholder and
• estimate_affordability ~377 tokens
  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 best market rate for
• estimate_monthly_cost ~449 tokens
  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.
• evaluate_eligibility_cohort ~3584 tokens
  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 forecast, or negativ
• explain_ranking ~375 tokens
  Explain WHY each top lender ranked where it did for a financing decision. Takes a full decision scenario (same shape as get_financing_decision) and returns a structured per-offer cost breakdown (rate, points, fees, lifetime interest), scoring signals, how much each offer beats the next by, and a pla
• extract_eligibility_facts ~472 tokens
  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 words it read it from
• find_credit_unions_near_zip ~239 tokens
  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 branch. Includes approxim
• find_eligible_credit_unions ~4092 tokens
  `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. Discovery tool: find can
• find_product_rates_near_zip ~439 tokens
  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 lowe
• find_reachable_offers ~4330 tokens
  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,
• generate_client_report ~205 tokens
  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).
• generate_share_link ~157 tokens
  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 di
• get_benchmarks ~312 tokens
  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-
• get_cohort ~75 tokens
  Get a single saved cohort by id, including all members and the last scan snapshot (triage list).
• get_coverage ~373 tokens
  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_financ
• get_credit_union ~234 tokens
  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 a
• get_deposit_benchmarks ~380 tokens
  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 n
• get_deposit_beta ~381 tokens
  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
• get_doc ~266 tokens
  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, quotin
• get_eligibility_changes ~255 tokens
  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 clai
• get_eligibility_coverage ~295 tokens
  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`
• get_email_branding ~62 tokens
  Get the organization's current email branding (display name, logo URL, brand color, intro, business address, reply-to).
• get_extraction_stats ~288 tokens
  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.
• get_financing_decision ~1991 tokens
  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 (s
• get_league_table ~347 tokens
  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
• get_monitor ~77 tokens
  Get detailed information about a specific monitor by its ID.
• get_monitor_stats ~59 tokens
  Get rollup stats for the account's rate monitors: total, active, and webhooks sent. Complements list_monitors.
• get_personal_access_catalog ~3592 tokens
  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; unreso
• get_product_access_envelopes ~442 tokens
  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 qualif
• get_rate_delta ~258 tokens
  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
• get_rate_history ~372 tokens
  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
• get_scenario ~63 tokens
  Get a single saved scenario by id (inputs + stored comparison).
• get_usage ~75 tokens
  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_cohorts ~74 tokens
  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.
• list_credit_unions ~234 tokens
  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, us
• list_decision_logs ~139 tokens
  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_digests ~49 tokens
  List the account's scheduled digests (cohort, email, cadence, enabled, last run).
• list_email_campaigns ~56 tokens
  List the organization's branded rate-email campaigns (name, criteria, cadence, status, last run).
• list_monitors ~142 tokens
  List all monitors associated with your API key. Supports pagination and filtering by status.
• list_rate_alerts ~87 tokens
  List the rate alerts subscribed for a given email (status, product, state, intent, target, last notified).
• list_rates ~375 tokens
  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_scenarios ~43 tokens
  List saved client scenarios for the account, newest first.
• list_shares ~96 tokens
  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.
• list_webhook_deliveries ~360 tokens
  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/deliver
• max_loan ~308 tokens
  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.
• optimize_buydown ~358 tokens
  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.
• project_pmi_removal ~398 tokens
  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 ma
• rate_sanity_check ~1426 tokens
  RECOMMENDED WHEN THE USER ALREADY HAS A QUOTE: answers "is this rate any good?" for a specific number a borrower was offered. Use this whenever someone says they were quoted / offered / approved at a rate and wants to know if it is fair, good, competitive, high, or a rip-off — e.g. "I got offered 6.
• refinance_break_even ~281 tokens
  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.
• remove_campaign_recipient ~92 tokens
  Remove one recipient from a campaign by recipient id.
• resolve_eligibility_entities ~361 tokens
  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 `ambiguous`, and prefix candida
• revoke_share Changes accounts · ~99 tokens
  Revoke a hosted shareable report link by its token. Once revoked, the public URL returns a 404 and no longer exposes the report. This action cannot be undone.
• save_cohort ~280 tokens
  Save a named cohort ("book of business") — a list of borrower scenarios you want to track and re-scan over time. Each member has a label and a scenario (product_type, state, intent, amount, term_months, optional credit_score and current_offer). Returns the created cohort. Use scan_portfolio later to
• save_scenario ~183 tokens
  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.
• scan_portfolio ~162 tokens
  Re-scan every member of a saved cohort against the live decision engine to find each member's current best offer. Returns a triage list (label, best lender, best APR, monthly payment, optional savings vs current) and a diff vs the previous scan (who's new, whose best lender changed, APR deltas). Per
• scan_savings ~379 tokens
  Scan a list of existing debts and find, for EACH debt, the best qualifying market refinance offer. Returns a ranked "savings stack" with monthly and lifetime savings (net of typical closing costs) per debt plus whether refinancing is worth it, and overall totals. Use this to find refinance opportuni
• schedule_digest ~204 tokens
  Set up a recurring digest: on a cadence (default weekly), automatically re-scan a saved cohort and EMAIL the loan officer a triage of which clients have a new opportunity (best lender changed, crossed a threshold). Turns a one-time portfolio scan into a standing operation. Requires a cohort_id (from
• search_docs ~275 tokens
  DOCS: search the RateAPI documentation (authentication, rate limits and pricing, coverage, freshness, methodology, eligibility, endpoint map, product parameters, errors, the MCP server itself, and the rules for quoting the data). Use this whenever the question is about the API rather than about a ra
• search_eligibility_entities ~399 tokens
  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 recommendation. With query,
• send_campaign_now Sends messages · ~144 tokens
  Send a campaign to ALL of its recipients immediately (one full send, the same path the daily cron uses). The campaign must be active. Honors suppressions and the per-org daily cap, resets the cadence clock (the next scheduled send counts from now), and is guarded against double-fires. Returns { run_
• send_test_campaign Sends messages · ~94 tokens
  Send a one-off test render of a campaign (with live rates and the org's branding) to the organization owner's email. Does not affect the campaign schedule.
• set_email_branding ~331 tokens
  Set the organization's white-label email branding: display name (used as the From name and CAN-SPAM advertiser identity), brand color (#hex), default intro text, business_address (CAN-SPAM physical address — required before a campaign can be activated), and reply_to_email. Requires a Pro plan. (Logo
• simulate_decision ~554 tokens
  Run a what-if sweep over a financing decision. Holds a scenario fixed while sweeping one input (credit_score, down_payment_percent, or rate_shift_bps) across a from/to/step range, returning a grid of best_lender / best_apr / monthly_payment at each value plus any flip_points where the winning lender
• simulate_monitor ~340 tokens
  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 marked as a simulation. I
• subscribe_rate_alert ~656 tokens
  Subscribe a consumer to an EMAIL rate alert: notify them when the live market meets their target (rate/apr/monthly_payment crossing a threshold). Consent-first — sends a double-opt-in confirmation email; the alert only activates after the recipient confirms. One-click unsubscribe in every email (CAN
• unsubscribe_rate_alert ~80 tokens
  One-click unsubscribe via the per-alert token embedded in every email.
• update_email_campaign ~430 tokens
  Update a campaign's name, geography, cadence, intro override, products, or status. products (if given) is the full replacement set (1-5, same union as create_email_campaign). Any geography field replaces the campaign's whole state selection. Set status 'active' to start sending (requires branding di
• update_monitor ~268 tokens
  Update an existing monitor. Only provided fields will be updated.

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