Bankrate API: Get mortgage rates
Gets Bankrate's published mortgage or refinance interest rates and APRs by loan type, with the as-of date of the rate table. A ZIP code or state picks the matching state page; Bankrate describes these tables as national averages. Weekly changes are included only when Bankrate publishes a matching change.
Unofficial. Not affiliated with or endorsed by Bankrate.
Inputs
Values from the run on Oct 31, 2026, shown under Output.
- Purpose optional
purpose The loan purpose, such as refinance. Defaults to purchase.
refinance
One of
purchase,refinance. Defaultpurchase.- Location optional
location A US ZIP code or state name, such as 90210 or California. Leave blank for national averages.
(default)
Input as JSON
{ "purpose": "refinance"}Output
{ "rates": [ { "loan_type": "30-year fixed", "page_link": "https://www.bankrate.com/mortgages/30-year-refinance-rates/" , "apr_percent": 7.27, "interest_rate_percent": 7.18, "change_from_last_week_percentage_points": null }, { "loan_type": "20-year fixed", "page_link": "https://www.bankrate.com/mortgages/20-year-refinance-rates/" , "apr_percent": 6.92, "interest_rate_percent": 6.82, "change_from_last_week_percentage_points": null }, { "loan_type": "15-year fixed", "page_link": "https://www.bankrate.com/mortgages/15-year-refinance-rates/" , "apr_percent": 6.64, "interest_rate_percent": 6.52, "change_from_last_week_percentage_points": null } ], "as_of_date": "2026-09-28", "location_used": "National averages"}Code
curl https://api.fous.com/v1/runs \ -H "Authorization: Bearer $FOUS_API_KEY" \ -H "Content-Type: application/json" \ -d '{"method":"bankrate.com/get_mortgage_rates","input":{"purpose":"refinance"}}' # Save as fous.py, then run: python3 fous.pyimport json, os, timefrom urllib.error import HTTPErrorfrom urllib.request import Request, urlopenAPI = "https://api.fous.com/v1/runs" KEY = os.environ["FOUS_API_KEY"]HEADERS = { "Authorization": f"Bearer {KEY}", "Content-Type": "application/json" ,}def call(url, body=None): data = json.dumps(body).encode() if body else None request = Request(url, data, HEADERS) try: with urlopen(request, timeout=120) as r: return r.status, json.load(r) except HTTPError as error: message = json.load(error)["error"]["message"] raise RuntimeError(message) from errorstatus, run = call(API, { "method": "bankrate.com/get_mortgage_rates" , "input": { "purpose": "refinance" }})# 202: still going after 30 s. Ask again until it ends.while status == 202: time.sleep(2) status, run = call(f"{API}/{run['id']}")print(json.dumps(run["data"], indent=2))// Save as fous.mjs, then run: node fous.mjsconst api = "https://api.fous.com/v1/runs" ;const headers = { Authorization: `Bearer ${process.env.FOUS_API_KEY}`, "Content-Type": "application/json" ,};let response = await fetch(api, { method: "POST", headers, body: JSON.stringify({ "method": "bankrate.com/get_mortgage_rates" , "input": { "purpose": "refinance" } }), signal: AbortSignal.timeout(120_000),});let run = await response.json();// 202: still going after 30 s. Ask again until it ends.while (response.status === 202) { await new Promise((done) => setTimeout(done, 2_000)); response = await fetch(`${api}/${run.id}`, { headers }); run = await response.json();}if (!response.ok) throw new Error(run.error.message);console.log(run.data);# Connect your agent to Fous once, over MCP (Streamable HTTP):# https://api.fous.com/mcp# Set FOUS_API_KEY first: create a key at https://app.fous.com/keys.# Claude Codeclaude mcp add \ --scope user \ --transport http fous https://api.fous.com/mcp \ --header "Authorization: Bearer ${FOUS_API_KEY:?Set FOUS_API_KEY to your Fous API key}"# Codexcodex mcp add fous \ --url https://api.fous.com/mcp \ --bearer-token-env-var FOUS_API_KEY# Cursor, VS Code, Windsurf, Cline and morenpx -y add-mcp https://api.fous.com/mcp -g -n fous \ --header "Authorization: Bearer ${FOUS_API_KEY:?Set FOUS_API_KEY to your Fous API key}"# Then ask your agent:# "Use Fous to run bankrate.com/get_mortgage_rates# with {"purpose":"refinance"}"Over HTTP, the answer’s data holds the output. A run still going after 30 seconds answers 202 with its id: ask GET /v1/runs/{id} until it ends.
Schema
Input schema
{ "type": "object", "properties": { "purpose": { "enum": [ "purchase", "refinance" ], "type": "string", "default": "purchase", "description": "The loan purpose, such as refinance. Defaults to purchase." }, "location": { "type": "string", "default": "", "description": "A US ZIP code or state name, such as 90210 or California. Leave blank for national averages." } }}Output schema
{ "type": "object", "required": [ "as_of_date", "location_used", "rates" ], "properties": { "rates": { "type": "array", "items": { "type": "object", "required": [ "loan_type", "interest_rate_percent", "apr_percent", "change_from_last_week_percentage_points", "page_link" ], "properties": { "loan_type": { "type": "string" }, "page_link": { "type": "string" }, "apr_percent": { "type": "number" }, "interest_rate_percent": { "type": "number" }, "change_from_last_week_percentage_points": { "type": [ "number", "null" ] } } }, "description": "Loan rates in the order Bankrate lists them." }, "as_of_date": { "type": "string", "format": "date", "description": "Date of the rates published in the rate-and-APR table." }, "location_used": { "type": "string", "description": "Page location context; values are national averages." } }}- Price
- 1 credit per completed run (1¢ with pay as you go); failed runs are free.
- Method
bankrate.com/get_mortgage_rates- Returns
- as-of date, location used, loan type, interest rate, APR, weekly change, page link
Use it from your agent
Give your agent this line. It reads SKILL.md, gets a Fous API key and connects the Fous MCP server. Its run then takes the method bankrate.com/get_mortgage_rates with the inputs above.
Ask your agent
- What are today's 30-year fixed mortgage rates and APRs on Bankrate for a home purchase?
- Pull the current refinance rates for ZIP 78704, including the APR for each loan type and how much they moved this week
- I'm buying a house in Ohio — what are the latest mortgage interest rates by loan type, and what date are they as of?
- Check Bankrate's refinance rate table for Colorado and tell me the 15-year fixed rate and APR
- Show me current national average mortgage rates for purchase loans, with any weekly change, and give me the source link
See more
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