Data & Analytics

List and filter raw rate rows (GET)

Query-parameter variant of POST /v1/rates: identical filters, identical response. Use whichever is more convenient — GET for quick calls and cacheable URLs, POST for JSON bodies.

get/v1/rates

Request

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

Query parameters

product_type'mortgage' | 'auto_loan' | 'rv' | 'boat' | 'motorcycle' | 'powersports' | 'heloc' | 'personal_loan' | 'student_loan' | 'equipment_loan' | 'credit_card'

Filter to a single product family. Omit for all products. auto_loan means CARS only — boats, RVs, motorcycles and powersports are first-class product types since the vehicle-category split (2026-07-25).

statestring

2-letter US state code, or a comma-separated list of up to 25 of them (state=CA,NY,FL) to rank rates across several states at once. Omit for all states. Mutually exclusive with region. Responses echo filters.state as the first code, plus a filters.states array when more than one was requested.

region'east_coast' | 'west_coast' | 'midwest' | 'south' | 'northeast' | 'southeast' | 'southwest' | 'mountain_west' | 'new_england' | 'mid_atlantic' | 'pacific_northwest'

Named region preset, expanded server-side to its member states. Mutually exclusive with state — sending both returns 400.

lenderstring

Case-insensitive substring match on the credit-union name.

term_monthsinteger

Exact term in months (matches auto/personal/savings term columns).

loan_programstring

Exact loan-program match (e.g., conventional, jumbo, FHA, VA, USDA).

min_aprnumber

Lower bound on APR (percent).

max_aprnumber

Upper bound on APR (percent). Must be >= min_apr.

sort'apr_asc' | 'apr_desc' | 'rate_asc' | 'rate_desc' | 'updated_desc'

Sort order. Default apr_asc.

limitinteger

Max rows to return (clamped to 1..500). Default 50.

offsetinteger

Pagination offset (>= 0). Default 0.

audience'business' | 'consumer'

Audience scope: 'business' returns business-audience offers only; 'consumer' excludes them. Omit for both.

occupancy'investor' | 'second_home' | 'primary'

Real-estate occupancy filter (investor/DSCR, second home, primary residence).

Response

Matched raw rate rows with pagination.

as_ofstring nullable

When the underlying rates were published.

Example response

{
  "rates": [
    {
      "product_key": "mortgage|30-year-fixed|conventional|30-year-fixed|0||~~~~~~~~",
      "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"
        }
      }
    }
  ]
}

Changes

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