# 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.

- Page: https://fous.com/methods/bankrate.com/get-mortgage-rates
- Method: `bankrate.com/get_mortgage_rates`, version 1
- Website: bankrate.com
- Returns: as-of date, location used, loan type, interest rate, APR, weekly change, page link
- Effect: read (it gets data and changes nothing)
- Sign-in: none needed
- Cost: 1 credit per completed run (1¢ with pay as you go); failed runs are free
- Verified: Nov 2, 2026

## Inputs

| Field | Type | Required | In the run below | Description |
|---|---|---|---|---|
| `purpose` | string | no | `"refinance"` | The loan purpose, such as refinance. Defaults to purchase. One of "purchase", "refinance". Default "purchase". |
| `location` | string | no |  | A US ZIP code or state name, such as 90210 or California. Leave blank for national averages. Default "". |

## Output

From a run on Oct 31, 2026, shortened. Its input:

```json
{
  "purpose": "refinance"
}
```

Its output:

```json
{
  "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"
}
```

## Run it

From code, with a Fous API key in `FOUS_API_KEY`; the answer's `data` holds the output:

```bash
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"}}'
```

From an AI agent connected to the Fous MCP server: its `run` with the same method and input. To connect one, give it `set up https://fous.com/SKILL.md`.

## 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

## Input schema

```json
{
  "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

```json
{
  "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."
    }
  }
}
```

## See more

- [Bankrate API: List best savings, CD or money market rates](https://fous.com/methods/bankrate.com/list-best-savings-rates.md): Lists Bankrate's current high-yield savings, CD (for a chosen term) or money market account rates in Bankrate's listed order, with APY, minimum deposit and whether the listing is sponsored.
- [Freddie Mac API: Get mortgage rates](https://fous.com/methods/freddiemac.com/get-mortgage-rates.md): Returns Freddie Mac's U.S. 30-year and 15-year fixed mortgage rates for the latest survey or a chosen date, with weekly and year-ago changes, and optionally a weekly history for a date range.
- [Realtor.com API: Search homes](https://fous.com/methods/realtor.com/search-homes.md): Searches Realtor.com homes for sale, for rent, or recently sold in a city, neighborhood or ZIP code, with optional price, bedroom, bathroom and home type filters and sort order. Rentals with price ranges use the lowest advertised rent; withheld sold prices are blank.
- [Zillow API: Get housing market](https://fous.com/methods/zillow.com/get-housing-market.md): Looks up Zillow housing market figures for a city and state or five-digit ZIP code: typical home value, one-year change, list and sale prices, inventory and listing activity.
- [European Union API: Get key interest rates](https://fous.com/methods/ecb.europa.eu/get-key-interest-rates.md): Returns the ECB's current deposit facility, main refinancing operations and marginal lending facility rates with their effective date. Optionally includes earlier rate changes, newest first.
- [huduser.gov API: Get HUD Fair Market Rents](https://fous.com/methods/huduser.gov/get-fair-market-rent.md): Gets HUD Fair Market Rents for a county, metro area, or ZIP code and fiscal year. ZIP rents are included only where HUD says Small Area FMRs apply.
- [AAA API: Get gas prices](https://fous.com/methods/gasprices.aaa.com/get-gas-prices.md): Gets AAA average gasoline and diesel prices for the US, a state, or a metro area listed on its state page, with yesterday, week, month and year-ago comparisons and record highs, as of the date AAA shows.
- [Zillow API: Search homes for sale](https://fous.com/methods/zillow.com/search-homes.md): Searches Zillow homes for sale in a city and state, neighborhood or ZIP code, with optional price, bedroom, bathroom and property type filters and sort order, from Zillow's public search pages (up to 100 listings).
- [All Bankrate methods](https://fous.com/methods/bankrate.com.md)