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

get_monitor_stats

Read-only

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

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault

No arguments

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
reset_dateNoWhen the monthly counter resets.
total_monitorsNoMonitors on the account.
active_monitorsNoMonitors in 'active' status.
webhooks_sent_todayNoWebhooks sent today.
webhooks_sent_this_monthNoWebhooks sent this month.

TDQS

A4.3/5.0
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already state readOnlyHint=true and destructiveHint=false, covering safety. The description adds useful aggregate semantics and metric names, but does not disclose additional behavioral details like pagination, scoping nuances, or response shape. With annotations covering the safety profile, this is adequate but not exceptional.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single, front-loaded sentence that names the resource, the specific metrics, and the relationship to list_monitors. Every word earns its place with no filler or redundancy.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a zero-parameter read-only stats tool with an output schema, the description is fully sufficient. It identifies the scope, the returned metric categories, and the sibling relationship, leaving no essential decision unclear.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The tool has zero parameters, so the baseline is 4. The description does not need to explain parameter meaning because there are none, and the empty schema is consistent with the described behavior.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description uses a specific verb ('Get') and resource ('rollup stats for the account's rate monitors'), then enumerates exactly what is returned: total, active, and webhooks sent. It also distinguishes itself from list_monitors by framing itself as a complement, so an agent can tell it apart from siblings.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description explicitly names list_monitors as a complementary sibling, giving clear context that this is for aggregate rollup stats while list_monitors is for the underlying list. It does not provide explicit exclusions or when-not-to-use conditions, so it falls just short of a 5.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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TDQS

A3.6/5.0
Disambiguation3/5

Many tools occupy closely related decision and rate-lookup spaces—get_financing_decision, rate_sanity_check, compare_products, batch_decisions, and simulate_decision can all appear relevant to a shopping question. The descriptions work hard to disambiguate them, and some pairs are explicitly cross-referenced, but the boundary between tools like create_monitor and create_competitor_monitor or rate_sanity_check and check_competitive_position still requires careful reading.

Naming Consistency4/5

The set mostly follows a clear snake_case verb_noun pattern: create_*, update_*, delete_*, get_*, list_*, scan_*, simulate_*, send_*. Minor deviations like max_loan, rate_sanity_check, and refinance_break_even break the verb-led convention, and get_ vs list_ is used somewhat loosely, but the overall pattern remains predictable.

Tool Count1/5

At 80 tools, this is an extremely large surface for a rates API. Even though the server spans rate data, financing decisions, membership eligibility, email campaigns, monitors, digests, and documentation, 80 tools is excessive and will overwhelm agents with selection overhead.

Completeness4/5

The core domain is covered thoroughly: raw rate lookup, benchmarks, history, financing decisions, affordability, refinance analysis, eligibility, campaigns, monitors, cohorts, scenarios, and shares all have lifecycle support. Minor gaps exist—there is no update_cohort or update_scenario, and raw deposit-rate listing is less explicit than mortgage/auto rate listing—but agents can work around these.

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