{
"message": "Rates retrieved successfully",
"data": [
{
"id": "b6704a55-f14f-4962-8575-59a07aa7003a",
"product": "30-Year Fixed-Rate Mortgage",
"interest_rate": "6.67%",
"timestamp": 1786735961,
"country": "USA"
},
{
"id": "f6904d47-5a00-4e4a-93c3-ec68d7391290",
"product": "15-Year Fixed-Rate Mortgage",
"interest_rate": "5.96%",
"timestamp": 1786735961,
"country": "USA"
},
{
"id": "18a36bda6f135fa3bc2135de97bc8e341c7b",
"product": "30-Year Fixed-Rate Mortgage",
"interest_rate": "6.67%",
"timestamp": 1786579200,
"country": "USA"
},
{
"id": "9ffd792f79c55e0d9f21aee097c51572acb0",
"product": "15-Year Fixed-Rate Mortgage",
"interest_rate": "5.96%",
"timestamp": 1786579200,
"country": "USA"
},
{
"id": "c636b854d286fbb14bf822ae8add9ff208ea",
"product": "30-Year Fixed-Rate Mortgage",
"interest_rate": "6.69%",
"timestamp": 1785974400,
"country": "USA"
},
{
"id": "f0586b1662c572371ef8fe8aade1a7c6df83",
"product": "15-Year Fixed-Rate Mortgage",
"interest_rate": "6.01%",
"timestamp": 1785974400,
"country": "USA"
},
{
"id": "8c30d869ac630e9d5b8670bacbd41830b343",
"product": "30-Year Fixed-Rate Mortgage",
"interest_rate": "6.66%",
"timestamp": 1785369600,
"country": "USA"
},
{
"id": "20852d35dfae2405b9d6c00cfd5799eefcdc",
"product": "15-Year Fixed-Rate Mortgage",
"interest_rate": "6.04%",
"timestamp": 1785369600,
"country": "USA"
}
],
"success": true
}
curl --location --request GET 'https://zylalabs.com/api/5828/usa+mortgage+rates+api/22154/get+mortgages+rates' --header 'Authorization: Bearer YOUR_API_KEY'
{
"message": "Rates retrieved successfully",
"data": [
{
"id": "ff6891a5-07ce-49c0-a048-c5261ac3198d",
"country": "USA",
"timestamp": 1768322923,
"product": "30-Year Fixed-Rate Mortgage",
"interest_rate": "6.16%"
},
{
"id": "d04154d9-db78-4459-886a-5f2eb1c3cd9b",
"country": "USA",
"timestamp": 1768322923,
"product": "15-Year Fixed-Rate Mortgage",
"interest_rate": "5.46%"
}
],
"success": true
}
curl --location --request GET 'https://zylalabs.com/api/5828/usa+mortgage+rates+api/22155/historical+by+date?date=2026-01-13' --header 'Authorization: Bearer YOUR_API_KEY'
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 USA Mortgage Rates API simply include your bearer token in the Authorization header.
| Header | Description |
|---|---|
Authorization
|
Required
Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.
|
No long-term commitment. Upgrade, downgrade, or cancel anytime. Free Trial includes up to 50 requests.
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The USA Mortgage Rates API is designed to handle the specific domain of mortgage financing, providing users with access to current mortgage rates, including 30-year, 15-year, and VA loan rates. The API processes various data fields such as interest rates, loan types, lender information, and historical rate trends. It utilizes domain-specific terminology such as 'amortization', 'loan-to-value ratio', and 'points', which are crucial for understanding mortgage financing. The API adheres to industry standards for financial data representation, ensuring compatibility with common financial applications. Technical requirements include secure HTTPS connections for data retrieval and JSON format for data exchange. The output format is structured in a JSON schema that includes fields for rate type, percentage, lender name, and effective date, allowing for easy integration into financial applications and services. This API serves as a vital resource for consumers looking to compare mortgage options and for financial institutions seeking to provide up-to-date mortgage information.
The USA Mortgage Rates API provides real-time mortgage rates for various loan types, including 30-year, 15-year, and VA loans.
The API adheres to industry standards for financial data representation and processes various data fields, ensuring that the mortgage rates are current and reliable.
The API uses JSON format for data exchange, which allows for easy integration into financial applications and services.
You can retrieve information such as rate type, percentage, lender name, and effective date, along with historical rate trends.
The technical requirements include secure HTTPS connections for data retrieval and the ability to process JSON formatted responses.
This endpoint returns real-time mortgage rates for various loan types, including 30-year fixed, 15-year fixed, and VA loans. The response includes key fields such as rate type, percentage, lender name, and effective date.
The response is structured in JSON format, detailing historical rates along with corresponding dates. Each entry includes the product type, interest rate, APR, and date, allowing for easy analysis of trends over time.
Users can specify a year from 1972 to the present day to retrieve historical mortgage rates. This allows for targeted analysis of rate trends for specific years.
The response includes fields such as mortgage type, date range, and monthly average rates. Each monthly average rate entry contains the month, year, and average rate, facilitating detailed trend analysis.
This endpoint provides historical mortgage rates over a specified period, allowing users to analyze fluctuations in rates. It is particularly useful for understanding market trends and making informed financial decisions.
Users can compare mortgage rates from different lenders to make informed decisions about their mortgage options. The structured JSON response allows for easy integration into financial applications for real-time comparisons.
Typical use cases include homebuyers comparing mortgage options, financial institutions providing up-to-date mortgage information, and analysts studying historical trends to predict future rate movements.
The API adheres to industry standards for financial data representation and processes various data fields, ensuring that the mortgage rates provided are current and reliable, which is crucial for informed decision-making.
To obtain your API key, first sign in to your account and navigate to the API you want to use. From the API's Pricing section, choose a plan and complete the subscription process. Once subscribed, return to the API page and you will see your API Access Key displayed at the top of the documentation page. You can use this key to authenticate your requests.
You can’t switch APIs during the free trial. If you subscribe to a different API, your trial will end and the new subscription will start as a paid plan.
The free trial lasts for 7 days and allows you to make up to 50 API requests.
No, the free trial is available only once, so we recommend using it on the API that interests you the most. Most of our APIs offer a free trial, but some may not include this option.
Yes. If the API offers a free trial, you will see a "Free 7-Day Trial" option in its Pricing section. The trial lasts for 7 days and allows up to 50 API requests, enabling you to evaluate the API before subscribing to a paid plan.
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You can monitor your API usage through the response headers included with every request:
x-zyla-api-calls-monthly-used: Shows the total number of API requests you have used during the current billing period.
x-zyla-api-calls-monthly-remaining: Shows the number of API requests you have remaining for the current billing period.
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