Top USA Mortgage Rates API alternatives in 2025

Top USA Mortgage Rates API Alternatives in 2025

1. Mortgage Calculator API

Mortgage Calculator API transforms the labyrinth of home financing into simplicity. With precision, it unravels the complexities, revealing detailed mortgage insights. Powered by standard calculation formulas, it orchestrates the symphony of interest rates and unveils the harmonies of monthly and annual payments, empowering informed home investment decisions.

Key Features and Capabilities

• Calculate: Receive the calculated interests over your mortgage. Users can input parameters such as loan amount, home value, interest rate, loan term, and additional costs like property tax and HOA fees to customize their mortgage calculations.

{"monthly_payment": {"total": 1001, "mortgage": 1001, "property_tax": 0, "hoa": 0.0, "annual_home_ins": 0}, "annual_payment": {"total": 12015, "mortgage": 12015, "property_tax": 0.0, "hoa": 0.0, "home_insurance": 0.0}, "total_interest_paid": 100374}

Visit the developer docs for complete API reference.

2. Mortgage Calculation API

Mortgage Calculation API. Seamlessly crunching numbers using standard mortgage formulas, it delivers detailed insights into monthly payments, annual expenses, and interest rates. Empower your applications with precision, ensuring users make informed decisions on their homeownership journey.

Key Features and Capabilities

• Calculator: Returns monthly payment, annual payment, and interest rate information based on given mortgage parameters. Users can customize their requests by providing parameters such as principal amount, loan term (in years or months), and annual interest rate to calculate specific mortgage scenarios.

{"monthly_payment": {"total": 12120, "mortgage": 12120, "property_tax": 0, "hoa": 0.0, "annual_home_ins": 0}, "annual_payment": {"total": 145435, "mortgage": 145435, "property_tax": 0.0, "hoa": 0.0, "home_insurance": 0.0}, "total_interest_paid": 908706}

View the integration guide for step-by-step instructions.

3. Property Mortgage API

Property Mortgage API calculates mortgage payments accurately based on loan details like principal amount, interest rate, and loan term. It supports integration into real estate and financial applications, providing essential tools for users to estimate and manage property financing effectively.

Key Features and Capabilities

• Calculator: Returns monthly payment, annual payment, and interest rate information based on given mortgage parameters. Users can customize their requests by providing parameters such as loan amount, interest rate, loan term (in years or months), and optional values for property taxes and insurance costs.

{"monthly_payment": {"total": 1001, "mortgage": 1001, "property_tax": 0, "hoa": 0.0, "annual_home_ins": 0}, "annual_payment": {"total": 12015, "mortgage": 12015, "property_tax": 0.0, "hoa": 0.0, "home_insurance": 0.0}, "total_interest_paid": 100374}

Try the API playground to experiment with requests.

4. Mortgage Payment Planner API

Mortgage Payment Planner API delivers comprehensive mortgage and home financing payment details. Employing standard mortgage calculation formulas, it precisely computes interest rates, monthly, and annual payments, enabling users to plan their finances effectively and make informed decisions regarding home loans and mortgages.

Key Features and Capabilities

• Calculator: Returns monthly payment, annual payment, and interest rate information based on given mortgage parameters. Users can customize their requests by providing parameters such as loan amount, interest rate, loan term (in years or months), and optional values for property taxes and insurance costs to tailor the calculations.

{"monthly_payment": {"total": 898, "mortgage": 898, "property_tax": 0, "hoa": 0.0, "annual_home_ins": 0}, "annual_payment": {"total": 10777, "mortgage": 10777, "property_tax": 0.0, "hoa": 0.0, "home_insurance": 0.0}, "total_interest_paid": 123312}

Check out the API documentation to get started.

5. The Current Interest Rates API

Current Interest Rates API is a powerful tool that enables developers and financial professionals to access real-time interest rate information from central banks and benchmarks around the world. This API allows users to retrieve the most up-to-date interest rate data, enabling them to make informed decisions, perform market analysis, and develop applications that rely on current interest rate information.

Key Features and Capabilities

• Get Interest Rate: To use this endpoint, all you have to do is run it to obtain the interest rate information. Users can customize their data requests by specifying parameters such as the country or central bank they are interested in, allowing for targeted retrieval of interest rate information.

{"central_bank_rates": [{"central_bank": "Australian Central Bank", "country": "Australia", "rate_pct": 4.35, "last_updated": "11-08-2023"}, {"central_bank": "British Central Bank", "country": "United Kingdom", "rate_pct": 4.75, "last_updated": "11-07-2024"}]}

View the integration guide for step-by-step instructions.

6. Interests Rates Explorer US API

Interests Rates Explorer US API, which provides accurate and up-to-date financial information tailored to specific geographies. This API is a robust tool, ensuring comprehensive and efficient approaches to ensure accurate tax compliance.

Key Features and Capabilities

• Get Interest Rate: To use this endpoint, you must indicate a zip code, plus optional parameters where you can indicate a city and state. The response data is organized in a JSON array format, where each object contains the interest rate details corresponding to the specified zip code and any additional parameters provided.

[{"zip_code": "90001", "total_rate": "0.102500", "state_rate": "0.060000", "city_rate": "0.007500", "county_rate": "0.002500", "additional_rate": "0.032500"}]

Visit the developer docs for complete API reference.

7. Home Loan Calculator API

Home Loan Calculator API simplifies financial planning by providing accurate estimates of home loan repayments. It calculates monthly payments based on loan amount, interest rate, and term. This API supports integration into financial applications, aiding users in determining affordability and making informed decisions about mortgage financing.

Key Features and Capabilities

• Calculator: Returns monthly payment, annual payment, and interest rate information based on given mortgage parameters. Users can customize their requests by providing parameters such as loan amount, interest rate, loan term (in years or months), and optional values for property taxes and insurance costs.

{"monthly_payment": {"total": 898, "mortgage": 898, "property_tax": 0, "hoa": 0.0, "annual_home_ins": 0}, "annual_payment": {"total": 10777, "mortgage": 10777, "property_tax": 0.0, "hoa": 0.0, "home_insurance": 0.0}, "total_interest_paid": 123312}

Check out the API documentation to get started.

8. Universal Interest Rates API

Universal Interest Rates API is an indispensable resource that provides access to central bank interest rates from around the world and essential financial benchmarks. This robust interface enables users to make informed decisions, navigate the financial landscape, and adapt to dynamic economic conditions.

Key Features and Capabilities

• Interest Rate: To use this endpoint, you must indicate the name of a country to obtain its central banks or the name of non-central banks in the parameter. This allows users to compare rates across different regions.

{"central_bank_rates": [{"central_bank": "Australian Central Bank", "country": "Australia", "rate_pct": 4.35, "last_updated": "11-08-2023"}], "non_central_bank_rates": []}

Read our technical guides for implementation tips.

9. Bank Interest Rates API

Bank Interest Rates API is an indispensable tool that provides access to global central bank interest rates and key financial benchmarks. This robust platform enables users to make informed decisions, navigate the financial landscape, and adapt to dynamic economic conditions.

Key Features and Capabilities

• Interest Rate: To use this endpoint, you must indicate the name of a country to obtain its central banks or the name of non-central banks in the parameter. This allows for targeted data requests based on user needs.

{"central_bank_rates": [{"central_bank": "Australian Central Bank", "country": "Australia", "rate_pct": 4.35, "last_updated": "11-08-2023"}], "non_central_bank_rates": []}

Visit the developer docs for complete API reference.

10. Loan Repayment Calculator API

Loan Repayment Calculator API provides users with accurate calculations of monthly loan repayments. It supports various loan types, interest rates, and repayment periods, ensuring precise estimates. This API integrates seamlessly into financial applications, aiding users in planning and managing their loan obligations effectively.

Key Features and Capabilities

• Calculator: Returns monthly payment, annual payment, and interest rate information based on given mortgage parameters. Users can customize their requests by providing parameters such as loan amount, interest rate, loan term (in years or months), and optional values for property taxes and insurance costs.

{"monthly_payment": {"total": 898, "mortgage": 898, "property_tax": 0, "hoa": 0.0, "annual_home_ins": 0}, "annual_payment": {"total": 10777, "mortgage": 10777, "property_tax": 0.0, "hoa": 0.0, "home_insurance": 0.0}, "total_interest_paid": 123312}

Check out the API documentation to get started.

Conclusion

Mortgage Calculator API to the real-time data offered by the Current Interest Rates API, developers have a plethora of options to choose from. Each API has its unique strengths, making it essential for developers to assess their specific requirements and choose the API that best fits their application needs.

Mortgage Calculation API and Mortgage Payment Planner API are excellent choices. Meanwhile, for applications requiring localized interest rates, the Interests Rates Explorer US API provides tailored solutions. Ultimately, understanding the capabilities and applications of these APIs will empower developers to create robust financial applications that meet the evolving demands of the mortgage industry.