RateAPI

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_secret for verifying webhook payloads.

Permanently delete a monitor. This action cannot be undone.

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. Only use when the user explicitly requests a test webhook delivery.

Get rate benchmark statistics (min/median/max APR) across all institutions. Use this for market analysis, comparing user quotes against market rates, or building benchmark dashboards. Returns statistics for mortgages (30yr/15yr), auto loans (new/used), HELOCs, and personal loans. Each product shows the lowest APR institution, median APR, and count of institutions.

Reference tool: Get detailed info and all mortgage rates for a specific credit union by state and slug. Use this when a user asks about a specific credit union. For personalized rate recommendations, use get_financing_decision instead.

Get data extraction statistics showing the scale and health of rate data collection. Use this to understand extraction volumes, product coverage, and data freshness. Supports filtering by date range and product type. Great for building transparency dashboards or monitoring data collection health.

RECOMMENDED: Get personalized financing recommendations for ANY loan or credit product. Supports 5 product types: (1) Mortgages - 30yr/15yr/20yr/10yr fixed and ARMs, (2) Auto loans - new/used/CPO vehicles with 36-84 month terms, (3) HELOCs - fixed/variable rate home equity lines, (4) Personal loans - secured/unsecured, (5) Credit cards - rewards, cash_back, secured, balance_transfer, low_rate, business, platinum, student. Analyzes current market offers and returns actionable recommendations with explanations. Use this instead of looking up raw rates. Provide the user's state, intent (purchase/refinance/cash_out/balance_transfer/new_credit), and amount for personalized advice.

Get detailed information about a specific monitor by its ID.

Reference tool: List all credit unions grouped by state with rate availability info. Use this to discover which credit unions are available in a given state. For personalized rate recommendations, use get_financing_decision instead.

List all monitors associated with your API key. Supports pagination and filtering by status.