Mortgage Rate API

GET

Keep your loan calculators synced with weekly US mortgage rates.

Mortgage Rate reports weekly US fixed mortgage rates for 15-year and 30-year terms. Pass the loan term to get the latest percentage rate, survey date, and direction of weekly change.

Try it — live request, no key required

Request

GETapi.apiverve.com/v1/mortgagerate?type=30year

Query parameters

typestring

Verification

Format

No key required to try it. Get a key to use it in your app.

Example

{
  "status": "ok",
  "error": null,
  "data": {
    "rateType": "30year",
    "name": "30-Year Fixed Rate Mortgage",
    "term": 30,
    "type": "fixed",
    "country": "US",
    "year": 2023,
    "month": 6,
    "count": 4,
    "rates": [
      {
        "week": "2023-06-01",
        "rate": 6.79
      },
      {
        "week": "2023-06-08",
        "rate": 6.71
      },
      {
        "week": "2023-06-15",
        "rate": 6.69
      },
      {
        "week": "2023-06-22",
        "rate": 6.67
      }
    ],
    "change1w": -0.02,
    "changeDirection": "down",
    "previousRate": 6.69,
    "previousDate": "2023-06-15"
  }
}

About the Mortgage Rate API

Mortgage Rate provides current and historical mortgage rate data from 1971 to present. The data comes from Freddie Mac's Primary Mortgage Market Survey, which has tracked mortgage rates weekly since the early 1970s. Use this for mortgage calculations, market analysis, and financial planning.

What people use it for

Home Listing Calculators: Populate monthly payment estimates across real estate portals by feeding current 30-year fixed rates into listing mortgage calculators.
Refinance Comparison Portals: When evaluating refinancing offers, mortgage brokers compare current 15-year and 30-year rates to highlight interest savings for homeowners.
Borrower Rate Alerts: To help homebuyers time their financing, personal finance platforms track weekly rate trend directions and notify borrowers when costs drop.
Housing Market Newsletters: Property investment newsletters graph weekly mortgage percentage changes against pending sales to assess shifts in buyer purchasing power.

Ways to call it

One endpoint, many ways in — REST with JSON, XML, YAML and CSV, plus GraphQL and an MCP interface for AI agents.

JSON: Default REST response
XML: Markup format
YAML: Human-readable
CSV: Tabular export
GraphQL: Query language
MCP: For AI agents

View all integrations →

Other ways to use Mortgage Rate

Same data, same APIVerve account, same credit balance — one key works on all of them.

Give it to an AI agentConnect over MCP and your agent calls it as a native tool — Claude, Cursor, ChatGPT.on VerveKit Google Sheets or ExcelA =VERVE() formula fills a column — no script, no export, recalculates in place.on VerveSheets Ground an agent on itA cited, machine-checkable fact your model can't produce on its own.on VerveContext

Questions.

Common questions about the Mortgage Rate API.

Read the docs →

What loan terms and mortgage types are covered?

The API covers US 30-year and 15-year fixed-rate mortgages. On paid plans, data includes weekly averages dating back to 1971 through the present. Adjustable-rate loans and terms outside 15 or 30 years are not included.

Where does the mortgage rate data come from and how fresh is it?

Rates come directly from the Freddie Mac Primary Mortgage Market Survey, which has monitored US mortgage rates since 1971. New data points are updated weekly to reflect current survey findings.

Are historical lookups and weekly rate changes available on the Free plan?

No, filtering by year and month requires a paid subscription. Premium fields like week-over-week rate changes, previous rates, and previous dates also require Starter or higher. The Free plan provides current weekly rate figures only.

Which plan fits 25,000 mortgage rate lookups a month?

Starter handles this volume with room to spare. At 2 credits per call, 25,000 lookups use 50,000 credits, or one-quarter of the 200,000 credits on Starter. That works out to about $0.30 per 1,000 calls. The Free plan includes 100 calls per month.

Can I display these rates in a commercial calculator or lending dashboard?

Yes, any paid plan allows commercial use in public calculators, financial planning software, and client portals. You may display and analyze the data within your product, but you cannot resell or redistribute the raw dataset.

Request parameters — GET /v1/mortgagerate

Sent in the query string. Premium parameters are accepted on every plan but only take effect on plans that include them. Anything not listed here is dropped rather than passed through.

Required

Parameter	Type	Example	Description
`type`Required	string	`30year`	The mortgage type `30year15year`

Optional

Parameter	Type	Example	Description
`year`OptionalPremium	integer	`2023`	Year to retrieve rates for (1971-present). Requires month parameter. range 1971-2030
`month`OptionalPremium	integer	`6`	Month to retrieve rates for (1-12). Required when year is specified. range 1-12

Example request

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curl "https://api.apiverve.com/v1/mortgagerate?type=30year&year=2023&month=6" \
  -H "x-api-key: YOUR_API_KEY"

Authentication

Send your key in the x-api-key header. That is the only auth step — no token exchange, and no per-endpoint scope to configure.

Header	When	Value
`x-api-key`Required	Every request	Your API key. Header names are case-insensitive, so `X-API-Key` is the same header.
`Authorization`Alternate	Instead of the above	`Bearer <key>` — for clients that only expose bearer auth. Resolves to the same account and the same billing.

401 is the only auth verdict

A 401 means the key is missing, invalid or expired. A 403 means the key is valid but not permitted here — blocked by a key restriction or an IP allow-list. Running out of credits is a 429.

Response — GET /v1/mortgagerate

Every APIVerve endpoint returns the same three top-level keys, so one response handler covers your whole integration: status, error and data. Only data changes shape.

Sample response

{
  "status": "ok",
  "error": null,
  "data": {
    "rateType": "30year",
    "name": "30-Year Fixed Rate Mortgage",
    "term": 30,
    "type": "fixed",
    "country": "US",
    "year": 2023,
    "month": 6,
    "count": 4,
    "rates": [
      {
        "week": "2023-06-01",
        "rate": 6.79
      },
      {
        "week": "2023-06-08",
        "rate": 6.71
      },
      {
        "week": "2023-06-15",
        "rate": 6.69
      },
      {
        "week": "2023-06-22",
        "rate": 6.67
      }
    ],
    "change1w": -0.02,
    "changeDirection": "down",
    "previousRate": 6.69,
    "previousDate": "2023-06-15"
  }
}

Response fields

Paths are relative to data. Premium fields are absent rather than zeroed on plans that do not include them, so check for presence instead of comparing to 0.

Field	Type	Example	Description
`rateType`	string	`"30year"`	Mortgage rate type identifier (30year or 15year)
`name`	string	`"30-Year Fixed Rate Mortgage"`	Human-readable description of mortgage type
`term`	number	`30`	Loan term in years (15 or 30)
`type`	string	`"fixed"`	Rate type classification (fixed or adjustable)
`country`	string	`"US"`	Country code where rates apply (US)
`year`	number	`2023`	Year of the mortgage rate data
`month`	number	`6`	Month of the mortgage rate data (1-12)
`count`	number	`4`	Number of weekly rate entries in response
`rates`	array[4]		Array of weekly mortgage rate data entries
`week`	string	`"2023-06-01"`	Week date in YYYY-MM-DD format
`rate`	number	`6.79`	Mortgage interest rate as percentage
`change1w`Premium	number	`-0.02`	Rate change from previous week in percentage points
`changeDirection`	string	`"down"`	Direction of weekly change: up, down, or unchanged
`previousRate`Premium	number	`6.69`	Previous week's mortgage interest rate
`previousDate`Premium	string	`"2023-06-15"`	Previous week's date in YYYY-MM-DD format

Response headers

Every response carries your balance, so your own code always knows where it stands without polling anything. All four are exposed to browsers through CORS.

Header	What it carries
`x-api-remaining-credits`	Credits left in the current cycle
`x-api-credits-used`	Credits spent in the current cycle
`x-api-max-credits`	The allowance for the cycle
`x-api-version`	Version of the endpoint that answered

Errors

Read the HTTP status first, then error for the specific reason. The body names the parameter that has to change.

Status	Meaning	What to do
`400`	Input was rejected	Read `error`; it names the parameter that has to change.
`401`	Key missing or invalid	Check the header name and the key value.
`403`	Key valid, but not permitted here	A key restriction or an IP allow-list — never a bad key.
`429`	Rate limited, or out of credits	Read `error` to tell them apart, then back off or top up.

What a call costs — 2 credits per call

Credits are shared across every APIVerve API — one balance, one key, one bill. Failed requests never count against it, so a rejected input costs nothing.

Plan	Per month	Credits	Mortgage Rate calls	Per 1,000 calls
Free	Free	200	100	Free
Starter	$29.99	200,000	100,000	$0.30
Pro	$99.99	1,000,000	500,000	$0.20
Mega	$299.99	4,000,000	2,000,000	$0.15

Calls are what the credits buy at this API's rate — spend them here, on any of the other APIs, or across both. Nothing is reserved per endpoint.

Compare all pricing tiers →

Call it from cURL — GET /v1/mortgagerate

No SDK to install — this is a plain HTTPS call to /v1/mortgagerate with your key in the x-api-key header. Swap in a real key and it runs as-is.

cURL

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2

curl "https://api.apiverve.com/v1/mortgagerate" \
  -H "x-api-key: YOUR_API_KEY"

Resources

GitHubapiverve/mortgagerate-apiSource, issues and the examples this page is built from.ReferenceMortgage Rate API docsEvery parameter, every response field, and the errors.ParametersWhat this call acceptsRequired and optional inputs, with example values.

Also published for

@apiverve/mortgageratenpm APIVerve.API.MortgageRateNuGet

Only the languages APIVerve ships a client for are listed — the rest call the endpoint directly over HTTPS.

Call it from Node.js — GET /v1/mortgagerate

Install the Node.js SDK, then call the Mortgage Rate API with your key. The client wraps the same HTTPS request, so anything it returns is what the endpoint returns.

Install — npm

npm install @apiverve/mortgagerate

Node.js

const res = await fetch("https://api.apiverve.com/v1/mortgagerate", {
  headers: { "x-api-key": "YOUR_API_KEY" },
});
const { data } = await res.json();
console.log(data);

Resources

npm@apiverve/mortgagerateThe published Node.js client, versioned and signed.GitHubapiverve/mortgagerate-apiSource, issues and the examples this page is built from.ReferenceMortgage Rate API docsEvery parameter, every response field, and the errors.ParametersWhat this call acceptsRequired and optional inputs, with example values.

Also published for

APIVerve.API.MortgageRateNuGet

Only the languages APIVerve ships a client for are listed — the rest call the endpoint directly over HTTPS.

Call it from Python — GET /v1/mortgagerate

No SDK to install — this is a plain HTTPS call to /v1/mortgagerate with your key in the x-api-key header. Swap in a real key and it runs as-is.

Python

import requests

res = requests.get(
    "https://api.apiverve.com/v1/mortgagerate",
    headers={"x-api-key": "YOUR_API_KEY"},
)
print(res.json()["data"])

Resources

Also published for

@apiverve/mortgageratenpm APIVerve.API.MortgageRateNuGet

Only the languages APIVerve ships a client for are listed — the rest call the endpoint directly over HTTPS.

Call it from C# / .NET — GET /v1/mortgagerate

Install the C# / .NET SDK, then call the Mortgage Rate API with your key. The client wraps the same HTTPS request, so anything it returns is what the endpoint returns.

Install — NuGet

dotnet add package APIVerve.API.MortgageRate

C# / .NET

using var client = new HttpClient();
client.DefaultRequestHeaders.Add("x-api-key", "YOUR_API_KEY");

var json = await client.GetStringAsync("https://api.apiverve.com/v1/mortgagerate");
Console.WriteLine(json);

Resources

NuGetAPIVerve.API.MortgageRateThe published C# / .NET client, versioned and signed.GitHubapiverve/mortgagerate-apiSource, issues and the examples this page is built from.ReferenceMortgage Rate API docsEvery parameter, every response field, and the errors.ParametersWhat this call acceptsRequired and optional inputs, with example values.

Also published for

@apiverve/mortgageratenpm

Only the languages APIVerve ships a client for are listed — the rest call the endpoint directly over HTTPS.

Call it from Go — GET /v1/mortgagerate

No SDK to install — this is a plain HTTPS call to /v1/mortgagerate with your key in the x-api-key header. Swap in a real key and it runs as-is.

req, _ := http.NewRequest("GET", "https://api.apiverve.com/v1/mortgagerate", nil)
req.Header.Set("x-api-key", "YOUR_API_KEY")

res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))

Resources

Also published for

@apiverve/mortgageratenpm APIVerve.API.MortgageRateNuGet

Only the languages APIVerve ships a client for are listed — the rest call the endpoint directly over HTTPS.

Call it from PHP — GET /v1/mortgagerate

No SDK to install — this is a plain HTTPS call to /v1/mortgagerate with your key in the x-api-key header. Swap in a real key and it runs as-is.

PHP

$ch = curl_init("https://api.apiverve.com/v1/mortgagerate");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, ["x-api-key: YOUR_API_KEY"]);

$response = curl_exec($ch);
echo $response;

Resources

Also published for

@apiverve/mortgageratenpm APIVerve.API.MortgageRateNuGet

Only the languages APIVerve ships a client for are listed — the rest call the endpoint directly over HTTPS.

Call it from Ruby — GET /v1/mortgagerate

No SDK to install — this is a plain HTTPS call to /v1/mortgagerate with your key in the x-api-key header. Swap in a real key and it runs as-is.

Ruby

require "net/http"

uri = URI("https://api.apiverve.com/v1/mortgagerate")
req = Net::HTTP::Get.new(uri)
req["x-api-key"] = "YOUR_API_KEY"

res = Net::HTTP.start(uri.hostname, uri.port, use_ssl: true) { |h| h.request(req) }
puts res.body

Resources

Also published for

@apiverve/mortgageratenpm APIVerve.API.MortgageRateNuGet

Only the languages APIVerve ships a client for are listed — the rest call the endpoint directly over HTTPS.

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Mortgage Rate API

Try it — live request, no key required

About the Mortgage Rate API

What people use it for

Ways to call it

Other ways to use Mortgage Rate

Questions.

Request parameters — GET /v1/mortgagerate

Required

Optional

Authentication

Response — GET /v1/mortgagerate

Response fields

Response headers

Errors

What a call costs — 2 credits per call

Call it from cURL — GET /v1/mortgagerate

Resources

Also published for

Call it from Node.js — GET /v1/mortgagerate

Resources

Also published for

Call it from Python — GET /v1/mortgagerate

Resources

Also published for

Call it from C# / .NET — GET /v1/mortgagerate

Resources

Also published for

Call it from Go — GET /v1/mortgagerate

Resources

Also published for

Call it from PHP — GET /v1/mortgagerate

Resources

Also published for

Call it from Ruby — GET /v1/mortgagerate

Resources

Also published for

Zero-code embed — one snippet, no backend

Changelog — Mortgage Rate API

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