RateAPI — live US mortgage, auto, HELOC, personal & deposit rates
connectsmcp.rateapi.dev
Live US mortgage, auto, HELOC, personal & deposit rates with evidence, plus who can join each lender
https://mcp.rateapi.dev/mcpWebsiteOAuthMCP 2025-03-26v2.1.0last checked 18 Oct 2026spoke MCP on 100% of 84 checks (30 days)initialize in 193 msWill my client connect?
Decided from what the probe found at the endpoint, and from what each client's own documentation says it can complete. Every row carries the day that documentation was read.
✓Claude CodeConnects
The authorization server advertises RFC 7591 registration, so Claude Code can register itself and sign you in through the browser.
claude mcp add --transport http rateapi-live-us-mortgage-auto-heloc-personal-deposit-rates https://mcp.rateapi.dev/mcpClaude Code docs · read on 2026-08-30
✓Claude (claude.ai & Desktop)Connects
The authorization server advertises RFC 7591 registration, so Claude (claude.ai & Desktop) can register itself and sign you in through the browser.
Settings → Connectors → Add custom connector, then paste https://mcp.rateapi.dev/mcp.
Claude (claude.ai & Desktop) docs · read on 2026-08-30
✓ChatGPTConnects
The authorization server advertises RFC 7591 registration, so ChatGPT can register itself and sign you in through the browser.
Settings → Apps → Advanced settings → Developer mode, then create a connector pointing at https://mcp.rateapi.dev/mcp.
ChatGPT docs · read on 2026-08-30
✓CursorConnects
The authorization server advertises RFC 7591 registration, so Cursor can register itself and sign you in through the browser.
{
"mcpServers": {
"rateapi-live-us-mortgage-auto-heloc-personal-deposit-rates": {
"url": "https://mcp.rateapi.dev/mcp"
}
}
}Cursor docs · read on 2026-08-30
✓VS Code (Copilot)Connects
The authorization server advertises RFC 7591 registration, so VS Code (Copilot) can register itself and sign you in through the browser.
{
"servers": {
"rateapi-live-us-mortgage-auto-heloc-personal-deposit-rates": {
"type": "http",
"url": "https://mcp.rateapi.dev/mcp"
}
}
}VS Code (Copilot) docs · read on 2026-08-30
How to authenticate
Checked against the endpoint by our probe on 18 Oct 2026. These are the capabilities the server advertises, not a prediction about any particular client.
| Scheme | OAuth |
|---|---|
| Issuer | https://mcp.rateapi.dev |
| Dynamic client registration | ✓Advertised (RFC 7591) |
| Client ID Metadata Document | ✕Not advertised |
| PKCE | ✓S256 |
| Grant types | authorization_code |
| Protected-resource metadata | ✓Published (RFC 9728) |
| Anonymous access | Handshake succeeds; 89 tools listable |
What the probe found
The server exposes a public surface before authorization: get_financing_decision, list_credit_unions, find_credit_unions_near_zip, find_product_rates_near_zip, get_credit_union, check_membership_eligibility, find_eligible_credit_unions, find_reachable_offers, get_personal_access_catalog, compare_personal_access_catalogs, search_eligibility_entities, resolve_eligibility_entities, compare_reachable_offers, get_product_access_envelopes, evaluate_eligibility_cohort, get_eligibility_changes, extract_eligibility_facts, create_monitor, create_competitor_monitor, list_monitors, get_monitor, update_monitor, delete_monitor, simulate_monitor, deliver_test_webhook, list_webhook_deliveries, get_eligibility_coverage, get_extraction_stats, get_benchmarks, compare_products, refinance_break_even, optimize_buydown, max_loan, estimate_affordability, estimate_monthly_cost, analyze_rent_vs_buy, project_pmi_removal, get_usage, get_monitor_stats, save_scenario, list_scenarios, get_scenario, delete_scenario, list_decision_logs, generate_client_report, rate_sanity_check, get_coverage, check_competitive_position, scan_savings, get_league_table, get_deposit_benchmarks, get_deposit_beta, explain_ranking, simulate_decision, build_amortization_schedule, compare_total_cost, batch_decisions, get_rate_delta, list_rates, get_rate_history, assess_buy_timing, assess_rate_lock, check_advice_guardrails, save_cohort, list_cohorts, get_cohort, delete_cohort, scan_portfolio, generate_share_link, list_shares, revoke_share, schedule_digest, list_digests, delete_digest, set_email_branding, get_email_branding, create_email_campaign, list_email_campaigns, update_email_campaign, delete_email_campaign, add_campaign_recipients, remove_campaign_recipient, send_test_campaign, send_campaign_now, subscribe_rate_alert, list_rate_alerts, unsubscribe_rate_alert, search_docs, get_doc.
Tools
Contract history
Instructions rewritten: rateapi://docs/quickstart. The description an agent follows changed; the callable contract may not have.
Instructions rewritten: search_eligibility_entities. The description an agent follows changed; the callable contract may not have.
Instructions rewritten: get_eligibility_coverage. The description an agent follows changed; the callable contract may not have.
Instructions rewritten: find_reachable_offers. The description an agent follows changed; the callable contract may not have.
Instructions rewritten: check_membership_eligibility, find_eligible_credit_unions. The description an agent follows changed; the callable contract may not have.
Instructions rewritten: check_membership_eligibility, find_eligible_credit_unions. The description an agent follows changed; the callable contract may not have.
Instructions rewritten: get_deposit_benchmarks, get_deposit_beta. The description an agent follows changed; the callable contract may not have.
Instructions rewritten: get_eligibility_coverage. The description an agent follows changed; the callable contract may not have.
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Save its public contract as a baseline and manage breaking-change email alerts.
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Status badge
Status for a README, from the last probe — cached an hour, so up to seven hours behind the endpoint. Links back to this page.
[](https://mcpi.app/servers/rateapi-live-us-mortgage-auto-heloc-personal-deposit-rates)