Data & Analytics

Compare the market distribution now vs N weeks ago

Compares the live market APR distribution now vs ~1/2/4 weeks ago using historical scraped_at windows (bounded by data retention). Returns min/median/max/count/as_of for each window and the median + min deltas with a down/up/flat direction. Raw historical movement only — see /v1/buy-timing for a forward lock-vs-wait recommendation. This route is the single source of truth; the MCP rate_delta tool calls it.

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

post/v1/rate-delta

Request

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

Request body

product_type'auto_loan' | 'mortgage' | 'heloc' | 'personal_loan' | 'student_loan' | 'credit_card' required

Loan or deposit product this applies to.

statestring required

2-letter US state code

since'1w' | '2w' | '4w'

Comparison window. Defaults to 1w.

Example request

{
  "product_type": "mortgage",
  "state": "CA",
  "since": "4w"
}

Response

Market distribution comparison across the two windows. Degrades to a note when history is thin.

product_typestring

Loan or deposit product this applies to.

statestring

Two-letter US state code.

windowstring

How far back the comparison reaches, as the since value used.

notestring

Plain-language explanation of what this result means.

Changes

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