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Mortgage Rate API

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Keep your loan calculators synced with weekly US mortgage rates.

Mortgage Rate reports weekly US fixed mortgage rates for 15-year and 30-year terms. Pass the loan term to get the latest percentage rate, survey date, and direction of weekly change, while paid plans add 4-week and 52-week changes, the 52-week high, low and average, and the last 52 weekly rates.

Try it — live request, no key required

Request
GETapi.apiverve.com/v1/mortgagerate?type=30year
Query parameters
Verification
Format

No key required to try it. Get a key to use it in your app.

Example
{
  "status": "ok",
  "error": null,
  "data": {
    "rateType": "30year",
    "name": "30-Year Fixed Rate Mortgage",
    "term": 30,
    "type": "fixed",
    "country": "US",
    "year": 2026,
    "count": 1,
    "rates": [
      {
        "week": "2026-10-22",
        "rate": 7.32
      }
    ],
    "change1w": -0.08,
    "changeDirection": "down",
    "previousRate": 7.4,
    "previousDate": "2026-10-15",
    "change4w": 0.29,
    "change52w": 1.13,
    "high52w": 7.4,
    "low52w": 5.98,
    "average52w": 6.4423,
    "history": [
      {
        "week": "2025-10-30",
        "rate": 6.17
      },
      {
        "week": "2025-11-06",
        "rate": 6.22
      },
      {
        "week": "2025-11-13",
        "rate": 6.24
      },
      {
        "week": "2025-11-20",
        "rate": 6.26
      },
      {
        "week": "2025-11-26",
        "rate": 6.23
      },
      {
        "week": "2025-12-04",
        "rate": 6.19
      },
      {
        "week": "2025-12-11",
        "rate": 6.22
      },
      {
        "week": "2025-12-18",
        "rate": 6.21
      },
      {
        "week": "2025-12-24",
        "rate": 6.18
      },
      {
        "week": "2025-12-31",
        "rate": 6.15
      },
      {
        "week": "2026-01-08",
        "rate": 6.16
      },
      {
        "week": "2026-01-15",
        "rate": 6.06
      },
      {
        "week": "2026-01-22",
        "rate": 6.09
      },
      {
        "week": "2026-01-29",
        "rate": 6.1
      },
      {
        "week": "2026-02-05",
        "rate": 6.11
      },
      {
        "week": "2026-02-12",
        "rate": 6.09
      },
      {
        "week": "2026-02-19",
        "rate": 6.01
      },
      {
        "week": "2026-02-26",
        "rate": 5.98
      },
      {
        "week": "2026-03-05",
        "rate": 6
      },
      {
        "week": "2026-03-12",
        "rate": 6.11
      },
      {
        "week": "2026-03-19",
        "rate": 6.22
      },
      {
        "week": "2026-03-26",
        "rate": 6.38
      },
      {
        "week": "2026-04-02",
        "rate": 6.46
      },
      {
        "week": "2026-04-09",
        "rate": 6.37
      },
      {
        "week": "2026-04-16",
        "rate": 6.3
      },
      {
        "week": "2026-04-23",
        "rate": 6.23
      },
      {
        "week": "2026-04-30",
        "rate": 6.3
      },
      {
        "week": "2026-05-07",
        "rate": 6.37
      },
      {
        "week": "2026-05-14",
        "rate": 6.36
      },
      {
        "week": "2026-05-21",
        "rate": 6.51
      },
      {
        "week": "2026-05-28",
        "rate": 6.53
      },
      {
        "week": "2026-06-04",
        "rate": 6.48
      },
      {
        "week": "2026-06-11",
        "rate": 6.52
      },
      {
        "week": "2026-06-18",
        "rate": 6.47
      },
      {
        "week": "2026-06-25",
        "rate": 6.49
      },
      {
        "week": "2026-07-02",
        "rate": 6.43
      },
      {
        "week": "2026-07-09",
        "rate": 6.49
      },
      {
        "week": "2026-07-16",
        "rate": 6.55
      },
      {
        "week": "2026-07-23",
        "rate": 6.58
      },
      {
        "week": "2026-07-30",
        "rate": 6.66
      },
      {
        "week": "2026-08-06",
        "rate": 6.69
      },
      {
        "week": "2026-08-13",
        "rate": 6.67
      },
      {
        "week": "2026-08-20",
        "rate": 6.65
      },
      {
        "week": "2026-08-27",
        "rate": 6.66
      },
      {
        "week": "2026-09-03",
        "rate": 6.71
      },
      {
        "week": "2026-09-10",
        "rate": 6.76
      },
      {
        "week": "2026-09-17",
        "rate": 6.95
      },
      {
        "week": "2026-09-24",
        "rate": 7.03
      },
      {
        "week": "2026-10-01",
        "rate": 7.28
      },
      {
        "week": "2026-10-08",
        "rate": 7.4
      },
      {
        "week": "2026-10-15",
        "rate": 7.4
      },
      {
        "week": "2026-10-22",
        "rate": 7.32
      }
    ]
  }
}

About the Mortgage Rate API

Mortgage Rate provides current and historical mortgage rate data from 1971 to present. The data comes from Freddie Mac's Primary Mortgage Market Survey, which has tracked mortgage rates weekly since the early 1970s. The latest rate comes with its weekly change, and with changes=true paid plans add the change over 4 and 52 weeks in percentage points, the 52-week high, low and average, and the 52 weekly rates with history=true. Use this for mortgage calculations, market analysis, and financial planning.

What people use it for

Home Listing Calculators
Populate monthly payment estimates across real estate portals by feeding current 30-year fixed rates into listing mortgage calculators.
Refinance Comparison Portals
When evaluating refinancing offers, mortgage brokers compare current 15-year and 30-year rates to highlight interest savings for homeowners.
Borrower Rate Alerts
To help homebuyers time their financing, personal finance platforms track weekly rate trend directions and notify borrowers when costs drop.
Housing Market Newsletters
Property investment newsletters graph weekly mortgage percentage changes against pending sales to assess shifts in buyer purchasing power.

Without writing code

Evlar Markets, a Windows app built on this API, shows it on its markets dashboard beside your watchlist.

Historical mortgage rates on DigestYourFinances charts 30-year rates year by year.

Ways to call it

One endpoint, many ways in — REST with JSON, XML, YAML and CSV, plus GraphQL and an MCP interface for AI agents.

JSON
Default REST response
XML
Markup format
YAML
Human-readable
CSV
Tabular export
Beta
GraphQL
Query language
New
MCP
For AI agents
View all integrations →

Other ways to use Mortgage Rate

Same data, same APIVerve account, same credit balance — one key works on all of them.

Give it to an AI agentConnect over MCP and your agent calls it as a native tool — Claude, Cursor, ChatGPT.on VerveKit Google Sheets or ExcelA =VERVE() formula fills a column — no script, no export, recalculates in place.on VerveSheets Ground an agent on itA cited, machine-checkable fact your model can't produce on its own.on VerveContext

Questions.

Common questions about the Mortgage Rate API.

Read the docs →
What loan terms and mortgage types are covered?
The API covers US 30-year and 15-year fixed-rate mortgages. On paid plans, data includes weekly averages dating back to 1971 through the present. Adjustable-rate loans and terms outside 15 or 30 years are not included.
Where does the mortgage rate data come from and how fresh is it?
Rates come directly from the Freddie Mac Primary Mortgage Market Survey, which has monitored US mortgage rates since 1971. New data points are updated weekly to reflect current survey findings.
Are historical lookups and weekly rate changes available on the Free plan?
No, filtering by year and month requires a paid subscription. Premium fields like week-over-week, 4-week and 52-week rate changes, previous rates and dates, the 52-week high, low and average, and the weekly rows from history=true also require Starter or higher. The Free plan provides current weekly rate figures and the direction of the latest move.
Which plan fits 25,000 mortgage rate lookups a month?
Starter handles this volume with room to spare. At 2 credits per call, 25,000 lookups use 50,000 credits, or a quarter of the 200,000 credits on Starter. That works out to about $0.30 per 1,000 calls. The Free plan includes 100 calls per month.
Can I display these rates in a commercial calculator or lending dashboard?
Yes, any paid plan allows commercial use in public calculators, financial planning software, and client portals. You may display and analyze the data within your product, but you cannot resell or redistribute the raw dataset.
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