US Mortgage Rates API

The US Mortgage Rates API provides real-time and historical mortgage rates for various products, including interest rates and APR, across multiple terms.

About the API: 

The US Mortgage Rates API is a comprehensive tool for up-to-date mortgage rate information on a variety of loan products in the United States. It provides real-time interest rate and Annual Percentage Rate (APR) data for multiple mortgage options, including fixed-rate loans with terms of 30, 20, 15 and 10 years, as well as adjustable-rate mortgages (ARMs) such as 5-1 and 10-1 options. In addition, the API covers specialty mortgage products, such as 30-year fixed-rate FHA and VA loans, and 30-year fixed-rate Jumbo loans.

The response format is structured to provide clarity and ease of access to crucial data points. Each mortgage product entry includes a unique identifier, a timestamp of when the rate was recovered, the product name, the originating country, the specific interest rate, and the corresponding APR. The presence of the timestamp ensures that the user knows the exact time the rates were recorded, which adds a level of accuracy to the data provided.

The API also allows users to retrieve historical data, which is useful for tracking the evolution of mortgage rates over time. By analyzing these trends, it is possible to get a sense of market movement, making the API a valuable tool for understanding the broader economic context. The inclusion of APR values alongside the standard interest rate provides a more complete picture of the actual cost of the loan, taking into account fees and other associated costs that may not be immediately apparent from the interest rate alone.

By consolidating multiple mortgage products and presenting them in a clear format, the US Mortgage Rates API provides a reliable resource for those seeking to stay informed about current and historical mortgage rates in the United States. The information provided can help in understanding rate patterns and making decisions based on the latest market data available.

API Documentation

Endpoints


To use this endpoint you just need to run it and you will get the mortgages from USA.



                                                                            
GET https://zylalabs.com/api/5176/us+mortgage+rates+api/6631/get+mortgage
                                                                            
                                                                        

Get Mortgage - Endpoint Features

Object Description
Test Endpoint

API EXAMPLE RESPONSE

       
                                                                                                        
                                                                                                                                                                                                                            {"message":"Rates retrieved successfully","data":[{"id":"d4ba9331-82f0-4643-8f23-db58465cda94","timestamp":1727740803,"product":"30-Year Fixed Rate","country":"USA","interest_rate":"6.22%","apr":"6.27%"},{"id":"a34e91d1-9175-444c-a4e5-0c6bfcb83520","timestamp":1727740803,"product":"20-Year Fixed Rate","country":"USA","interest_rate":"5.98%","apr":"6.04%"},{"id":"792c447b-f1ce-4422-90f7-8dd4fb8f414b","timestamp":1727740803,"product":"15-Year Fixed Rate","country":"USA","interest_rate":"5.41%","apr":"5.49%"},{"id":"218cbcfb-9829-407c-b2b1-00036e16a082","timestamp":1727740803,"product":"10-Year Fixed Rate","country":"USA","interest_rate":"5.47%","apr":"5.55%"},{"id":"8c63faf8-989d-4f2e-81e3-89095cd007b9","timestamp":1727740803,"product":"5-1 ARM","country":"USA","interest_rate":"5.75%","apr":"6.83%"},{"id":"1f5e7f2d-c4dd-45cc-8542-1ea13713ca8e","timestamp":1727740803,"product":"10-1 ARM","country":"USA","interest_rate":"6.43%","apr":"6.77%"},{"id":"388b02bf-e875-42f5-8126-c6da71d4cbb1","timestamp":1727740803,"product":"30-Year Fixed Rate FHA","country":"USA","interest_rate":"6.03%","apr":"6.07%"},{"id":"92b8358a-7d9b-4e4e-8216-07f318c26630","timestamp":1727740803,"product":"30-Year Fixed Rate VA","country":"USA","interest_rate":"6.18%","apr":"6.22%"},{"id":"120a20be-28f8-431c-b69b-c16429211fcd","timestamp":1727740803,"product":"30-Year Fixed Rate Jumbo","country":"USA","interest_rate":"6.36%","apr":"6.41%"}],"success":true}
                                                                                                                                                                                                                    
                                                                                                    

Get Mortgage - CODE SNIPPETS


curl --location --request GET 'https://zylalabs.com/api/5176/us+mortgage+rates+api/6631/get+mortgage' --header 'Authorization: Bearer YOUR_API_KEY' 

    

To use this endpoint you must enter a date such as 2024-09-30.

The Historical returns information as of September 2024.



                                                                            
GET https://zylalabs.com/api/5176/us+mortgage+rates+api/6632/mortagage+historical
                                                                            
                                                                        

Mortagage Historical - Endpoint Features

Object Description
date [Required] Indicates a date in the following format: YY/MM/DD
Test Endpoint

API EXAMPLE RESPONSE

       
                                                                                                        
                                                                                                                                                                                                                            {"message":"Rates retrieved successfully","data":[{"id":"f2bba2e4-1bf6-4437-ae0c-6b3c6f54e557","timestamp":1727703177,"product":"30-Year Fixed Rate","country":"USA","interest_rate":"6.22%","apr":"6.27%"},{"id":"41b79239-b551-453a-9d50-674e122ae7c2","timestamp":1727703177,"product":"20-Year Fixed Rate","country":"USA","interest_rate":"5.98%","apr":"6.04%"},{"id":"4abe6054-3181-40f6-bf1b-7ad1709ff990","timestamp":1727703177,"product":"15-Year Fixed Rate","country":"USA","interest_rate":"5.41%","apr":"5.49%"},{"id":"e5e69492-cc68-482f-948f-3a7a9feb9169","timestamp":1727703177,"product":"10-Year Fixed Rate","country":"USA","interest_rate":"5.47%","apr":"5.55%"},{"id":"64f91b47-fbeb-48bc-8284-083148705c36","timestamp":1727703177,"product":"5-1 ARM","country":"USA","interest_rate":"5.75%","apr":"6.83%"},{"id":"0e56b212-a119-4129-a92b-c02995ca09cf","timestamp":1727703177,"product":"10-1 ARM","country":"USA","interest_rate":"6.43%","apr":"6.77%"},{"id":"0d90d9c6-9472-498d-9821-b6976a79b5d2","timestamp":1727703177,"product":"30-Year Fixed Rate FHA","country":"USA","interest_rate":"6.03%","apr":"6.07%"},{"id":"b77ea37d-ecbb-4455-930e-b33af6c6a59e","timestamp":1727703177,"product":"30-Year Fixed Rate VA","country":"USA","interest_rate":"6.18%","apr":"6.22%"},{"id":"2951431e-a421-4611-b8a4-733d2cd84c39","timestamp":1727703177,"product":"30-Year Fixed Rate Jumbo","country":"USA","interest_rate":"6.36%","apr":"6.41%"}],"success":true}
                                                                                                                                                                                                                    
                                                                                                    

Mortagage Historical - CODE SNIPPETS


curl --location --request GET 'https://zylalabs.com/api/5176/us+mortgage+rates+api/6632/mortagage+historical?date=2024-09-30' --header 'Authorization: Bearer YOUR_API_KEY' 

    

API Access Key & Authentication

After signing up, every developer is assigned a personal API access key, a unique combination of letters and digits provided to access to our API endpoint. To authenticate with the US Mortgage Rates API REST API, simply include your bearer token in the Authorization header.
Headers
Header Description
Authorization [Required] Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.

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To use this API and get the rates you only have to execute the Get Mortgage endpoint and to get the historical you have to indicate a date in the Mortagage Historical endpoint.

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The US Mortgage Rates API provides real-time and historical data on US mortgage interest rates for various financial products.

The US Mortgage Rates API receives a date and returns current and historical interest rates for various mortgage products.

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 Service Level
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 Response Time
106ms

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