rateapi.lending.mortgage
Get AI-powered mortgage rate decisions from 4,300+ US lenders. Returns recommended actions, APR rates, monthly payment estimates, and confidence scores for purchase or refinance loans.
Instructions
Get AI-powered mortgage rate decision from 4,300+ US lenders. Returns recommended actions, current APR rates, estimated monthly payments, and confidence scores. Supports 30yr/15yr fixed and ARM products. Filter by state, amount, and credit tier.
Input Schema
TableJSON Schema
| Name | Required | Description | Default |
|---|---|---|---|
| state | No | Two-letter US state code (e.g. "CA", "NY", "TX") | |
| amount | No | Loan amount in USD (e.g. 400000 for a $400K mortgage) | |
| term_months | No | Loan term in months: 180 (15yr), 360 (30yr), or custom | |
| rate_type | No | Rate type: "fixed" or "adjustable" (ARM) | |
| intent | No | Loan intent: "purchase" for buying or "refinance" | |
| credit_score | No | Credit score tier for rate filtering |