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.
[{"product":"10-Year Fixed Rate","interest_rate":"6.15%","apr":"6.25%","timestamp":"May 08, 2025","country":"USA"}]
curl --location --request POST 'https://zylalabs.com/api/5176/us+mortgage+rates+api/9732/us+mortgages' --header 'Authorization: Bearer YOUR_API_KEY' --header 'Content-Type: application/json' --data-raw '{}'
[{"product":"30-Year Fixed Rate","interest_rate":"6.85%","apr":"6.92%","timestamp":"May 08, 2025","country":"USA"}]
curl --location --request POST 'https://zylalabs.com/api/5176/us+mortgage+rates+api/9733/historical+mortgages' --header 'Authorization: Bearer YOUR_API_KEY' --header 'Content-Type: application/json' --data-raw '{"Fixed_Rate":"Required"}'
{"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/5176/us+mortgage+rates+api/22034/historical+by+date?date=2026-01-13' --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/5176/us+mortgage+rates+api/22035/get+mortgages+rates' --header 'Authorization: Bearer YOUR_API_KEY'
| Header | Description |
|---|---|
Authorization
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[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.
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.
There are different plans to suit everyone, including a 7-day free trial.
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.
Besides the number of API calls per month, there are no other limitations.
The Get Mortgage endpoint returns real-time mortgage rates, including interest rates and APR for various loan products. The Mortgage Historical endpoint provides historical rates for specified dates, allowing users to track changes over time.
Key fields in the response include "id" (unique identifier), "timestamp" (when the rate was recorded), "product" (type of mortgage), "country" (origin), "interest_rate" (current rate), and "apr" (Annual Percentage Rate).
The response data is structured as a JSON object containing a message and a "data" array. Each entry in the array represents a mortgage product with its associated details, making it easy to parse and utilize.
The Get Mortgage endpoint provides current mortgage rates for various products, while the Mortgage Historical endpoint offers historical rates for specified dates, including fixed and adjustable-rate mortgages.
Users can customize requests to the Mortgage Historical endpoint by specifying a date in the format YYYY-MM-DD to retrieve historical rates for that particular day.
The data is sourced from reliable financial institutions and market reports, ensuring that the mortgage rates provided are accurate and reflective of current market conditions.
Typical use cases include analyzing mortgage trends, comparing current rates with historical data, and assisting consumers in making informed decisions about mortgage products.
Users can analyze the interest rates and APRs to assess loan affordability, track market trends over time, and compare different mortgage products to find the best options for their needs.
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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.
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