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.
To use this endpoint you just need to run it and you will get the mortgages from USA.
Get Mortgage - Endpoint Features
Object | Description |
---|
{"message":"Rates retrieved successfully","data":[{"id":"0113cd3b-0e69-4558-8bf1-7f743d95f1e1","timestamp":1728950407,"product":"30-Year Fixed Rate","country":"USA","interest_rate":"6.57%","apr":"6.62%"},{"id":"663b5b93-6ced-4f93-90fe-25a5272ff05c","timestamp":1728950407,"product":"20-Year Fixed Rate","country":"USA","interest_rate":"6.40%","apr":"6.45%"},{"id":"c8a243d4-8bc5-48fd-949d-a749bc8f5782","timestamp":1728950407,"product":"15-Year Fixed Rate","country":"USA","interest_rate":"5.86%","apr":"5.94%"},{"id":"bd22be1b-a0ba-49e2-bb8b-a7bf4fe86bc1","timestamp":1728950407,"product":"10-Year Fixed Rate","country":"USA","interest_rate":"5.86%","apr":"5.93%"},{"id":"bc4d9b14-9405-41ff-b97d-2994d28e6c1f","timestamp":1728950407,"product":"5-1 ARM","country":"USA","interest_rate":"6.00%","apr":"7.09%"},{"id":"52df84eb-5596-4ab6-b736-0954190be430","timestamp":1728950407,"product":"10-1 ARM","country":"USA","interest_rate":"6.45%","apr":"7.24%"},{"id":"f0753aae-eb06-4a7f-ba17-fa9a5fa49c95","timestamp":1728950407,"product":"30-Year Fixed Rate FHA","country":"USA","interest_rate":"6.56%","apr":"6.60%"},{"id":"84da13a1-7f2d-4113-849d-7e91ec7804b4","timestamp":1728950407,"product":"30-Year Fixed Rate VA","country":"USA","interest_rate":"6.66%","apr":"6.70%"},{"id":"5b6f9807-d9d0-4b3a-ac5d-18d49d5f1537","timestamp":1728950407,"product":"30-Year Fixed Rate Jumbo","country":"USA","interest_rate":"6.63%","apr":"6.68%"}],"success":true}
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.
Mortagage Historical - Endpoint Features
Object | Description |
---|---|
date |
[Required] Indicates a date in the following format: YY/MM/DD |
{"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}
curl --location --request GET 'https://zylalabs.com/api/5176/us+mortgage+rates+api/6632/mortagage+historical?date=01-01-2023' --header 'Authorization: Bearer YOUR_API_KEY'
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.
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.
Zyla API Hub is like a big store for APIs, where you can find thousands of them all in one place. We also offer dedicated support and real-time monitoring of all APIs. Once you sign up, you can pick and choose which APIs you want to use. Just remember, each API needs its own subscription. But if you subscribe to multiple ones, you'll use the same key for all of them, making things easier for you.
Prices are listed in USD (United States Dollar), EUR (Euro), CAD (Canadian Dollar), AUD (Australian Dollar), and GBP (British Pound). We accept all major debit and credit cards. Our payment system uses the latest security technology and is powered by Stripe, one of the worldβs most reliable payment companies. If you have any trouble paying by card, just contact us at [email protected]
Additionally, if you already have an active subscription in any of these currencies (USD, EUR, CAD, AUD, GBP), that currency will remain for subsequent subscriptions. You can change the currency at any time as long as you don't have any active subscriptions.
The local currency shown on the pricing page is based on the country of your IP address and is provided for reference only. The actual prices are in USD (United States Dollar). When you make a payment, the charge will appear on your card statement in USD, even if you see the equivalent amount in your local currency on our website. This means you cannot pay directly with your local currency.
Occasionally, a bank may decline the charge due to its fraud protection settings. We suggest reaching out to your bank initially to check if they are blocking our charges. Also, you can access the Billing Portal and change the card associated to make the payment. If these does not work and you need further assistance, please contact our team at [email protected]
Prices are determined by a recurring monthly or yearly subscription, depending on the chosen plan.
API calls are deducted from your plan based on successful requests. Each plan comes with a specific number of calls that you can make per month. Only successful calls, indicated by a Status 200 response, will be counted against your total. This ensures that failed or incomplete requests do not impact your monthly quota.
Zyla API Hub works on a recurring monthly subscription system. Your billing cycle will start the day you purchase one of the paid plans, and it will renew the same day of the next month. So be aware to cancel your subscription beforehand if you want to avoid future charges.
To upgrade your current subscription plan, simply go to the pricing page of the API and select the plan you want to upgrade to. The upgrade will be instant, allowing you to immediately enjoy the features of the new plan. Please note that any remaining calls from your previous plan will not be carried over to the new plan, so be aware of this when upgrading. You will be charged the full amount of the new plan.
To check how many API calls you have left for the current month, refer to the βX-Zyla-API-Calls-Monthly-Remainingβ field in the response header. For example, if your plan allows 1,000 requests per month and you've used 100, this field in the response header will indicate 900 remaining calls.
To see the maximum number of API requests your plan allows, check the βX-Zyla-RateLimit-Limitβ response header. For instance, if your plan includes 1,000 requests per month, this header will display 1,000.
The βX-Zyla-RateLimit-Resetβ header shows the number of seconds until your rate limit resets. This tells you when your request count will start fresh. For example, if it displays 3,600, it means 3,600 seconds are left until the limit resets.
Yes, you can cancel your plan anytime by going to your account and selecting the cancellation option on the Billing page. Please note that upgrades, downgrades, and cancellations take effect immediately. Additionally, upon cancellation, you will no longer have access to the service, even if you have remaining calls left in your quota.
You can contact us through our chat channel to receive immediate assistance. We are always online from 8 am to 5 pm (EST). If you reach us after that time, we will get back to you as soon as possible. Additionally, you can contact us via email at [email protected]
To give you the opportunity to experience our APIs without any commitment, we offer a 7-day free trial that allows you to make up to 50 API calls at no cost. This trial can be used only once, so we recommend applying it to the API that interests you the most. While most of our APIs offer a free trial, some may not. The trial concludes after 7 days or once you've made 50 requests, whichever occurs first. If you reach the 50 request limit during the trial, you will need to "Start Your Paid Plan" to continue making requests. You can find the "Start Your Paid Plan" button in your profile under Subscription -> Choose the API you are subscribed to -> Pricing tab. Alternatively, if you don't cancel your subscription before the 7th day, your free trial will end, and your plan will automatically be billed, granting you access to all the API calls specified in your plan. Please keep this in mind to avoid unwanted charges.
After 7 days, you will be charged the full amount for the plan you were subscribed to during the trial. Therefore, itβs important to cancel before the trial period ends. Refund requests for forgetting to cancel on time are not accepted.
When you subscribe to an API free trial, you can make up to 50 API calls. If you wish to make additional API calls beyond this limit, the API will prompt you to perform an "Start Your Paid Plan." You can find the "Start Your Paid Plan" button in your profile under Subscription -> Choose the API you are subscribed to -> Pricing tab.
Payout Orders are processed between the 20th and the 30th of each month. If you submit your request before the 20th, your payment will be processed within this timeframe.
Service Level:
100%
Response Time:
401ms
Service Level:
100%
Response Time:
67ms
Service Level:
100%
Response Time:
86ms
Service Level:
100%
Response Time:
109ms
Service Level:
100%
Response Time:
1,852ms
Service Level:
95%
Response Time:
10,689ms
Service Level:
100%
Response Time:
79ms
Service Level:
100%
Response Time:
252ms
Service Level:
100%
Response Time:
158ms
Service Level:
100%
Response Time:
257ms
Service Level:
100%
Response Time:
482ms
Service Level:
100%
Response Time:
1,015ms
Service Level:
100%
Response Time:
1,486ms
Service Level:
100%
Response Time:
2,494ms
Service Level:
100%
Response Time:
1,033ms
Service Level:
100%
Response Time:
1,253ms
Service Level:
100%
Response Time:
2,148ms
Service Level:
100%
Response Time:
2,501ms
Service Level:
100%
Response Time:
812ms
Service Level:
100%
Response Time:
543ms