Data & Analytics

Lender league table (ranked roster of top lenders)

Loan-officer competitive-landscape report: a 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. Extends /v1/get_benchmarks (which returns only min/median/max + the single lowest institution) with the full ranked table. Mortgage-only (30-year or 15-year fixed). This route is the single source of truth; the MCP get_league_table tool and the consumer app call it.

Authentication required: Pass your API key in the X-API-Key header.

post/v1/league-table

Request

  • Base URL: https://api.rateapi.dev
  • URL: https://api.rateapi.dev/v1/league-table
  • Auth: API key in header X-API-Key

Request body

statestring required

2-letter US state code.

product'30yr_fixed' | '15yr_fixed' required

Mortgage product to rank.

limitinteger

Top N lenders to return (default 10, clamped 1..50).

metric'apr' | 'rate'

Rank by apr (default) or rate.

include_institution_contextboolean

Include compact, source-labelled NCUA member, location, asset, founding-year, and selected service facts per lender.

Example request

{
  "state": "CA",
  "product": "30yr_fixed",
  "limit": 10,
  "metric": "apr"
}

Response

Ranked roster of top lenders plus the market distribution.

statestring

Two-letter US state code.

product'30yr_fixed' | '15yr_fixed'

Mortgage product the table ranks.

metric'apr' | 'rate'

Which figure the table is ranked on.

limitinteger

Maximum number of records this response may contain.

countinteger

Rows returned in the table.

total_lendersinteger

Distinct lenders that qualified before the table was truncated.

as_ofstring nullable

When the underlying rates were published.

notestring

Plain-language explanation of what this result means.

Example response

{
  "table": [
    {
      "eligibility": {
        "status": "likely_eligible",
        "join_path": "Join the American Consumer Council (one-time $8 donation) during application",
        "eligibility_type": "community",
        "confidence": 0.9,
        "matched_rule": {
          "type": "county",
          "detail": "Sacramento"
        }
      },
      "institution_context": {
        "source": "NCUA quarterly call report",
        "cycle_date": "2026-03-31",
        "members": 82000,
        "locations": 8,
        "total_assets": 1200000000,
        "year_opened": 1935
      }
    }
  ]
}

Changes

No recorded changes to this operation across all 1 revision of this API.