MCP-сервер RateAPI

• Имя в реестреdev.rateapi/mcpподтверждён в реестре MCP

Имя в реестре лежит в пространстве rateapi.dev. Реестр пускает в такое пространство только того, кто доказал владение доменом через DNS или HTTP.

• Состояниеотвечаетпроверено 2026-10-16
• Инструменты89
• Сервер называет себяrateapi-mcp
• Версия сервера2.1.0
• Версия протокола2025-03-26

2026-10-16 сервер ответил на initialize и tools/list без входа. Первый ответ за 85 мс.

• get_financing_decision

  RECOMMENDED WHEN SHOPPING: Get personalized financing recommendations for ANY loan or credit product across every major type: mortgages (30yr/15yr/20yr/10yr fixed and ARMs), auto loans (new/used/CPO, 36-84 month terms)…

• list_credit_unions

  Reference tool: Discover credit unions by state or nearest to a 5-digit ZIP. State listings include rate availability, member count, and reported location count. ZIP discovery ranks NCUA-reported branches by estimated straight-line miles…

• find_credit_unions_near_zip

  Use when someone asks for "credit unions near me," the closest credit union, local credit-union branches, or nearby alternatives to a bank. Given a 5-digit ZIP, returns credit unions ordered by the estimated straight-line distance to each…

• find_product_rates_near_zip

  Use when someone asks for the best mortgage, auto-loan, HELOC, personal-loan, student-loan, equipment-loan, or credit-card rates near them and provides a ZIP. Finds the nearest NCUA-reported branch set, keeps credit unions with a current…

• get_credit_union

  Reference tool: Get a credit union's rates, membership eligibility, and source-labelled NCUA quarterly profile: members, assets, year opened, charter, reported services, and branch locations. Eligibility annotates published criteria and…

• check_membership_eligibility

  `relative_memberships` carries confirmed current/deceased relative membership scoped to one exact target credit union; one institution is never reused for another. Check whether a user can JOIN specific credit unions (field-of-membership…

• find_eligible_credit_unions

  `relative_memberships` carries confirmed current/deceased relative membership scoped to one exact target credit union; one institution is never reused for another. `next_questions.unlocks_cu_count` counts membership decisions an answer…

• find_reachable_offers

  Find the best fresh, evidence-backed credit-union rates reachable from this person’s membership facts. This composed graph-first operation evaluates the complete active US credit-union fleet BEFORE rates are queried, so a strong…

• get_personal_access_catalog

  Evaluate one person across 1-19 explicit loan or deposit selectors using one exhaustive eligibility snapshot. Returns separate membership, published availability, product suitability, published pricing, underwriting, and approval layers…

• compare_personal_access_catalogs

  Compare baseline and candidate confirmed person facts across the same 1-19 explicit products. Both catalogs use one pinned immutable eligibility graph snapshot; rate rows retain independent evidence and as_of. Returns access…

• search_eligibility_entities

  Browse or search canonical employers, associations, schools, or worship organizations that appear in positive conditions in current active eligibility publications. Omit query to browse by active-publication graph connectivity; that order…

• resolve_eligibility_entities

  Resolve up to 50 typed organization names for canonical eligibility input. Only one exact normalized active-publication match with confidence of at least 0.8 is authoritative (`resolved`); a lower-confidence exact match remains…

• compare_reachable_offers

  Compare one baseline person-fact panel with one candidate panel against the same active eligibility snapshot and exact product request. Use this for explicit what-if questions such as adding a confirmed employer or association. Newly…

• get_product_access_envelopes

  Get non-personal, evidence-bound membership-access metadata for up to 50 exact deposit product references. Returns active-publication path kinds and documented joinable-association actions alongside the current evidenced product rate…

• evaluate_eligibility_cohort

  Evaluate a caller-supplied panel of 1-10 named fact profiles for one exact product against one serving snapshot, deduplicating reachable institutions and exact offers. This is descriptive only for the supplied panel: never call it a…

• get_eligibility_changes

  Read the bounded, cursor-paginated feed of currently active eligibility publication replacements since an ISO timestamp. Use it to invalidate caches keyed by credit_union_id or publication identity. It exposes aggregate publication…

• extract_eligibility_facts

  Turn a person's own words about themselves into the structured facts the eligibility tools accept. Pass their sentence verbatim ("I'm a nurse at a Tulsa hospital, I live in Broken Arrow, my late father was a TTCU member") and this returns…

• create_monitor

  Create a new decision monitor that watches for rate changes and sends webhook notifications when conditions are met. Returns the monitor with a webhook_signing_secret for verifying webhook payloads.

• create_competitor_monitor

  Subscribe a monitor to a SPECIFIC named credit union's published rate and alert via webhook when that CU changes its rate (vs the aggregate market-best decision). Returns the monitor with a webhook_signing_secret (shown once) and a…

• list_monitors

  List all monitors associated with your API key. Supports pagination and filtering by status.

• get_monitor

  Get detailed information about a specific monitor by its ID.

• update_monitor

  Update an existing monitor. Only provided fields will be updated.

• delete_monitor

  Permanently delete a monitor. This action cannot be undone.

• simulate_monitor

  Test a monitor with a simulated rate change to see if it would trigger. No webhook is sent. It is not a pure dry run: the simulation IS recorded, as a monitor_evaluations row (and a webhook audit row) flagged is_simulation = 1, so it…

• deliver_test_webhook

  Send a test webhook for a monitor using a simulated rate change. This actually delivers an HTTP request to the monitor's configured webhook URL. IMPORTANT: a test delivery is NOT signed with the monitor's signing secret — only a hash of…

• list_webhook_deliveries

  Org-scoped webhook delivery observability for the authenticated API key. Lists the per-event webhook delivery log for your monitors — each row shows status (delivered/failed/pending), HTTP response code, error, response time, the…

• get_eligibility_coverage

  Enterprise RateAPI Routes coverage: how many US credit unions RateAPI holds live, verbatim-evidenced membership rules for (and what share of the active fleet that is), how the rules split by kind, how many counties, states and employers…

• get_extraction_stats

  Get data extraction statistics showing the scale and health of rate data collection. Use this to understand extraction volumes, product coverage, and data freshness. Supports filtering by date range and product type. Great for building…

• get_benchmarks

  Get rate benchmark statistics (min/median/max APR) across all institutions. Use this for market analysis, comparing user quotes against market rates, or building benchmark dashboards. Returns statistics for mortgages (30yr fixed, 15yr…

• compare_products

  Compare the best real rates across MULTIPLE lending products in a single call — e.g. show a buyer mortgage vs HELOC, or new vs used auto. Runs the decision engine for each product and returns a ranked, true-cost (APR + fees) table. Use…

• refinance_break_even

  Tell a borrower whether refinancing is worth it. Compares their current rate against the best real market offer and returns monthly savings, lifetime savings, and break-even months. Use for 'should I refinance?' questions.

• optimize_buydown

  Given a discount-points / lender-credit tradeoff menu for a candidate loan, returns break-even months, lifetime savings, and the optimal point-spend. The points analog of refinance_break_even.

• max_loan

  Estimate the largest loan a borrower can afford from income and a target debt-to-income (DTI) ratio. Returns max monthly payment, max loan amount, and the rate used. If no rate is supplied, the current best market rate for the…

• estimate_affordability

  Borrower-facing home affordability estimate: given gross income, existing monthly debts, down payment, and front-end/back-end DTI caps, compute the max monthly payment, max loan amount, and max home price. Surfaces the max_loan annuity…

• estimate_monthly_cost

  Total monthly housing cost (PITI): principal+interest plus property tax, homeowners insurance, PMI, and HOA, so affordability reflects real monthly outlay. If no rate is supplied, the current best market rate for the state is used.

• analyze_rent_vs_buy

  Compare projected cost of renting vs buying a home over a holding period, anchored to LIVE market mortgage rates. Given home price, down payment, monthly rent, and a holding period, returns year-by-year cumulative cost of each path (rent…

• project_pmi_removal

  For low-down-payment borrowers (LTV > 80%): projects when private mortgage insurance (PMI) drops off, the total PMI paid until then, and how much extra monthly principal cancels PMI sooner. Reuses the same amortization + PMI logic as…

• get_usage

  Check the calling account's API usage and remaining quota for this month (tier, used, remaining, limit, reset date). Use BEFORE running many calls to avoid hitting rate limits.

• get_monitor_stats

  Get rollup stats for the account's rate monitors: total, active, and webhooks sent. Complements list_monitors.

• save_scenario

  Save a rate comparison for a named client so it can be recalled later (a lightweight CRM for loan officers). Pass the client label and the inputs/results you want to keep.

• list_scenarios

  List saved client scenarios for the account, newest first.

• get_scenario

  Get a single saved scenario by id (inputs + stored comparison).

• delete_scenario

  Delete a saved scenario by id.

• list_decision_logs

  Recall past financing decisions made on this account (audit log). Filter by request_id to look up a specific prior decision, or paginate with limit/offset.

• generate_client_report

  Produce a clean, client-facing markdown rate comparison report a loan officer can share with a buyer. Pass either a saved scenario_id, or an inline client_name + comparison result (from get_financing_decision/compare_products).

• rate_sanity_check

  RECOMMENDED WHEN THE USER ALREADY HAS A QUOTE: answers "is this rate any good?" for a specific number a borrower was offered. Use this whenever someone says they were quoted / offered / approved at a rate and wants to know if it is fair…

• get_coverage

  Introspect what mortgage/loan data the API covers BEFORE scanning — which states, lenders, and product types are present, row counts per segment, and last-updated freshness per segment. Returns a coverage matrix so an agent can pick a…

• check_competitive_position

  LENDER-side 'is my offer competitive' check — input your OWN published rate for a state+product, get the market percentile, bps vs the state median, and a leading/competitive/overpriced verdict. This is for a loan officer or credit union…

• scan_savings

  Scan a list of existing debts and find, for EACH debt, the best qualifying market refinance offer. Returns a ranked "savings stack" with monthly and lifetime savings (net of typical closing costs) per debt plus whether refinancing is…

• get_league_table

  Loan-officer competitive-landscape report: ranked roster of the top N lenders publishing a given mortgage product in a state today — per-lender rows (name, best APR/rate, product, position, bps above the leader) — plus the market…

• get_deposit_benchmarks

  Best/median/spread credit-union deposit APY by product, term, and state, with per-CU peer ranking. Pass the MCP field `product` using one exact underscore value: savings, cd, share_certificate, money_market, ira_cd, ira, or share_savings…

• get_deposit_beta

  Deposit beta (repricing sensitivity) = change in deposit APY per 100bps change in a benchmark/market rate — the core credit-union/bank ALM & interest-rate-risk (IRR) model input. Pass the MCP field `product` using an exact underscore…

• explain_ranking

  Explain WHY each top lender ranked where it did for a financing decision. Takes a full decision scenario (same shape as get_financing_decision) and returns a structured per-offer cost breakdown (rate, points, fees, lifetime interest)…

• simulate_decision

  Run a what-if sweep over a financing decision. Holds a scenario fixed while sweeping one input (credit_score, down_payment_percent, or rate_shift_bps) across a from/to/step range, returning a grid of best_lender / best_apr /…

• build_amortization_schedule

  Build a year-by-year amortization / payoff schedule for a loan: total lifetime interest, principal/interest split per period, and a what-if extra-payment accelerator showing months saved and interest saved. Resolves the market rate from…

• compare_total_cost

  Apples-to-apples multi-lender ranking by TOTAL cost of a loan (upfront origination/lender fees + lifetime interest over the holding period), not just the headline rate. Re-ranks real credit union offers and flags when the lowest-rate…

• batch_decisions

  Score an array of inline financing scenarios in one stateless call; returns ranked decisions and top offers per item — no persisted cohorts, no per-borrower HTTP loops.

• get_rate_delta

  Compare the LIVE market rate distribution now vs ~1/2/4 weeks ago for a product and state. Returns now/then min, median, max, count plus the median and min delta and a direction (down/up/flat). Bounded by data retention — if no comparable…

• list_rates

  List and filter raw rate rows (the core data primitive) by product, state, lender, and term with limit/offset pagination. Boats, RVs, motorcycles, and powersports are first-class product types; auto_loan means cars.

• get_rate_history

  Historical rate time-series: a date-ranged array of {date, min/median/max APR, count} points per product/state for dashboards, charts, backtests, and timing confidence — bounded by data retention. Differs from get_rate_delta (a single…

Первые 60 из 89, в порядке сервера.