dev.rateapi/mcp

up checked 2026-11-11T06:39:35.714Z

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Publisher-provided title

RateAPI — live US mortgage, auto, HELOC, personal & deposit rates

Publisher-provided description

Live US mortgage, auto, HELOC, personal & deposit rates with evidence, plus who can join each lender

Summary by lookupd

Look up live US loan and deposit rates, check credit union membership eligibility, and set up rate-change monitors with webhook alerts.

Install

Claude Code, remote (streamable-http)

claude mcp add --transport http mcp https://mcp.rateapi.dev/mcp

Codex, remote (streamable-http)

codex mcp add mcp --url https://mcp.rateapi.dev/mcp

Cursor, remote (streamable-http) → .cursor/mcp.json

{
  "mcpServers": {
    "mcp": {
      "url": "https://mcp.rateapi.dev/mcp"
    }
  }
}

Other clients: docs. Or tell your agent: Set up lookupd for me: read https://lookupd.com/agent.md and follow it.

Tools (showing 30 of 89)

Publisher-provided text

• get_financing_decision RECOMMENDED WHEN SHOPPING: Get personalized financing recommendations for ANY loan or credit product across every major type: mortgages (30yr/15yr/20yr/10yr fix
• list_credit_unions Reference tool: Discover credit unions by state or nearest to a 5-digit ZIP. State listings include rate availability, member count, and reported location count
• find_credit_unions_near_zip Use when someone asks for "credit unions near me," the closest credit union, local credit-union branches, or nearby alternatives to a bank. Given a 5-digit ZIP,
• find_product_rates_near_zip Use when someone asks for the best mortgage, auto-loan, HELOC, personal-loan, student-loan, equipment-loan, or credit-card rates near them and provides a ZIP. F
• get_credit_union Reference tool: Get a credit union's rates, membership eligibility, and source-labelled NCUA quarterly profile: members, assets, year opened, charter, reported
• check_membership_eligibility `relative_memberships` carries confirmed current/deceased relative membership scoped to one exact target credit union; one institution is never reused for anoth
• find_eligible_credit_unions `relative_memberships` carries confirmed current/deceased relative membership scoped to one exact target credit union; one institution is never reused for anoth
• find_reachable_offers Find the best fresh, evidence-backed credit-union rates reachable from this person’s membership facts. This composed graph-first operation evaluates the complet
• get_personal_access_catalog Evaluate one person across 1-19 explicit loan or deposit selectors using one exhaustive eligibility snapshot. Returns separate membership, published availabilit
• compare_personal_access_catalogs Compare baseline and candidate confirmed person facts across the same 1-19 explicit products. Both catalogs use one pinned immutable eligibility graph snapshot;
• search_eligibility_entities Browse or search canonical employers, associations, schools, or worship organizations that appear in positive conditions in current active eligibility publicati
• resolve_eligibility_entities Resolve up to 50 typed organization names for canonical eligibility input. Only one exact normalized active-publication match with confidence of at least 0.8 is
• compare_reachable_offers Compare one baseline person-fact panel with one candidate panel against the same active eligibility snapshot and exact product request. Use this for explicit wh
• get_product_access_envelopes Get non-personal, evidence-bound membership-access metadata for up to 50 exact deposit product references. Returns active-publication path kinds and documented
• evaluate_eligibility_cohort Evaluate a caller-supplied panel of 1-10 named fact profiles for one exact product against one serving snapshot, deduplicating reachable institutions and exact
• get_eligibility_changes Read the bounded, cursor-paginated feed of currently active eligibility publication replacements since an ISO timestamp. Use it to invalidate caches keyed by cr
• extract_eligibility_facts Turn a person's own words about themselves into the structured facts the eligibility tools accept. Pass their sentence verbatim ("I'm a nurse at a Tulsa hospita
• create_monitor Create a new decision monitor that watches for rate changes and sends webhook notifications when conditions are met. Returns the monitor with a webhook_signing_
• create_competitor_monitor Subscribe a monitor to a SPECIFIC named credit union's published rate and alert via webhook when that CU changes its rate (vs the aggregate market-best decision
• list_monitors List all monitors associated with your API key. Supports pagination and filtering by status.
• get_monitor Get detailed information about a specific monitor by its ID.
• update_monitor Update an existing monitor. Only provided fields will be updated.
• delete_monitor Permanently delete a monitor. This action cannot be undone.
• simulate_monitor Test a monitor with a simulated rate change to see if it would trigger. No webhook is sent. It is not a pure dry run: the simulation IS recorded, as a monitor_e
• deliver_test_webhook Send a test webhook for a monitor using a simulated rate change. This actually delivers an HTTP request to the monitor's configured webhook URL. IMPORTANT: a te
• list_webhook_deliveries Org-scoped webhook delivery observability for the authenticated API key. Lists the per-event webhook delivery log for your monitors — each row shows status (del
• get_eligibility_coverage Enterprise RateAPI Routes coverage: how many US credit unions RateAPI holds live, verbatim-evidenced membership rules for (and what share of the active fleet th
• get_extraction_stats Get data extraction statistics showing the scale and health of rate data collection. Use this to understand extraction volumes, product coverage, and data fresh
• get_benchmarks Get rate benchmark statistics (min/median/max APR) across all institutions. Use this for market analysis, comparing user quotes against market rates, or buildin
• compare_products Compare the best real rates across MULTIPLE lending products in a single call — e.g. show a buyer mortgage vs HELOC, or new vs used auto. Runs the decision engi

Details

• Version: 1.0.0
• Transports: streamable-http
• Uptime (7 days): 100%
• Median latency: 633 ms
• First indexed: 2026-11-01T09:01:29.628Z
• Last seen in registry: 2026-11-01T09:01:29.628Z
• Website: https://rateapi.dev/mcp

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• Last crawl: 2026-11-11T16:39:06.253Z
• API base: https://api.lookupd.com
• MCP URL: https://api.lookupd.com/mcp