Live mortgage data — updated daily

Mortgage rates.
All 50 states.
One API.

Current mortgage rate data across every state, loan type, and purpose. Built for fintech developers who need reliable, structured data.

Example Request

Fetch current purchase rates for New York — filter by state, purpose, or pull all 51 at once.

Request
curl -X GET "https://api.notreal.yet/prod/rates/NY?purpose=purchase" \
  -H "x-api-key: YOUR_API_KEY"
Invoke-RestMethod -Uri "https://api.notreal.yet/prod/rates/NY?purpose=purchase" `
  -Headers @{ "x-api-key" = "YOUR_API_KEY" } `
  -Method Get
const response = await fetch(
  "https://api.notreal.yet/prod/rates/NY?purpose=purchase",
  { headers: { "x-api-key": "YOUR_API_KEY" } }
);
const data = await response.json();
const https = require("https");

const options = {
  hostname: "api.notreal.yet",
  path: "/prod/rates/NY?purpose=purchase",
  headers: { "x-api-key": "YOUR_API_KEY" }
};

https.get(options, (res) => {
  let data = "";
  res.on("data", chunk => data += chunk);
  res.on("end", () => console.log(JSON.parse(data)));
});
import requests

response = requests.get(
    "https://api.notreal.yet/prod/rates/NY",
    params={"purpose": "purchase"},
    headers={"x-api-key": "YOUR_API_KEY"}
)
data = response.json()
using HttpClient client = new();
client.DefaultRequestHeaders.Add("x-api-key", "YOUR_API_KEY");

var response = await client.GetAsync(
    "https://api.notreal.yet/prod/rates/NY?purpose=purchase"
);
var json = await response.Content.ReadAsStringAsync();

Example Response

Returns min, average, and max APR for each loan program as a three-element array.

200 OK
{
  "state":    "NY",
  "date":     "2026-04-25",
  "purchase": {
    "10_year_arm":   [ 6.204, 6.290, 6.375 ],
    "10_year_fixed": [ 5.037, 5.554, 5.875 ],
    "15_year_fixed": [ 5.007, 5.421, 5.750 ],
    "20_year_fixed": [ 5.800, 6.367, 6.875 ],
    "30_year_fixed": [ 5.857, 6.250, 6.762 ],
    "3_year_arm":    [ 6.585, 6.585, 6.585 ],
    "5_year_arm":    [ 6.228, 6.250, 6.272 ],
    "7_year_arm":    [ 5.971, 6.077, 6.183 ]
  }
}
51
States covered
all 50 + DC
8
Loan programs
per state per day
3
Data points per rate
minimum, average, maximum

Simple, predictable API

REST endpoints returning JSON. Query current rates across all states and loan types with a single authenticated request.

GET
/rates
Current rates for all 51 states — returned in a single response
GET
/rates/{state}
Current rates for one state. Filter by purpose=purchase or refinance

Straightforward plans

Start free while you build. Scale up when you're ready. All plans include access to every loan program.

Basic
$5.00
per month
  • 500 requests / day
  • All 51 states
  • All loan programs
  • Email support
Enterprise
Custom
per year (contract)
  • Need higher volume or a custom integration?
  • We can put together a plan that works for you.
Contact Us

Before we may continue

Enter your email address to receive your API key and other important information regarding your subscription after payment.

Confirm your email

Please enter the 6 digit code that was sent to your email address.

·

Cancel Subscription

Your subscription remains active until the end of your current billing period.

I lost my API key.