Mortgage Rate

Overview

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. Use this for mortgage calculations, market analysis, and financial planning.

Endpoint

One host, one path per API. The block below shows this call in four languages; every one of them is the same HTTP request. Making requests covers the timeouts, retries and parameter rules that apply to all of them. The SDKs wrap the same call in a typed client.

curl "https://api.apiverve.com/v1/mortgagerate?type=30year&year=2023&month=6" \
  -H "x-api-key: your_api_key_here"

const res = await fetch('https://api.apiverve.com/v1/mortgagerate?type=30year&year=2023&month=6', {
  headers: { 'x-api-key': 'your_api_key_here' },
});

if (!res.ok) throw new Error(`${res.status} ${await res.text()}`);

const { data } = await res.json();
console.log(data);

import requests

res = requests.get(
    "https://api.apiverve.com/v1/mortgagerate?type=30year&year=2023&month=6",
    headers={"x-api-key": "your_api_key_here"},
    timeout=15,
)
res.raise_for_status()

print(res.json()["data"])

package main

import (
	"fmt"
	"io"
	"net/http"
)

func main() {
	req, _ := http.NewRequest("GET", "https://api.apiverve.com/v1/mortgagerate?type=30year&year=2023&month=6", nil)
	req.Header.Set("x-api-key", "your_api_key_here")

	res, err := http.DefaultClient.Do(req)
	if err != nil {
		panic(err)
	}
	defer res.Body.Close()

	out, _ := io.ReadAll(res.Body)
	fmt.Println(string(out))
}

Replace your_api_key_here with the key from your dashboard. When the inputs arrive as a list rather than one at a time, batch requests run up to 200 of them through this same API in a single call.

Authentication

Send your key in the x-api-key header. That is the only auth step — there is no token exchange and no per-endpoint scope to configure. Authentication covers creating, rotating and revoking keys.

Parameters

Sent in the query string. Premium parameters are accepted on every plan but only take effect on plans that include them.

Response

Every API returns the same three top-level keys, so one response handler covers your whole integration: status, error and data. Only data changes shape. Response format covers the envelope, the other output formats and how premium fields are withheld.

{
  "status": "ok",
  "error": null,
  "data": {
    "rateType": "30year",
    "name": "30-Year Fixed Rate Mortgage",
    "term": 30,
    "type": "fixed",
    "country": "US",
    "year": 2023,
    "month": 6,
    "count": 4,
    "rates": [
      {
        "week": "2023-06-01",
        "rate": 6.79
      },
      {
        "week": "2023-06-08",
        "rate": 6.71
      },
      {
        "week": "2023-06-15",
        "rate": 6.69
      },
      {
        "week": "2023-06-22",
        "rate": 6.67
      }
    ],
    "change1w": -0.02,
    "changeDirection": "down",
    "previousRate": 6.69,
    "previousDate": "2023-06-15"
  }
}

Response fields

Paths are relative to data. Premium fields are absent rather than zeroed on plans that do not include them, so check for presence instead of comparing to 0.

Errors

Read the HTTP status first, then error for the specific reason. The body names the parameter that has to change. Error handling covers the full status list and which of them are worth retrying.

Use cases

Mortgage Calculators

Use the Mortgage Rate API to get current rates for mortgage payment calculators

Market Analysis

Track historical mortgage rate trends to analyze housing market conditions

Financial Planning

Help users plan home purchases by showing current mortgage rate environment

Rate Comparison

Compare 30-year vs 15-year mortgage rates for refinancing decisions

Other ways to use Mortgage Rate

Set up Mortgage Rate on APIVerve, or reach the same source a different way. Your APIVerve account and credits work on all of them — one key, one balance.

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