US Loan and Mortgage Rates

What Americans actually borrow at, straight from the Federal Reserve: 30 and 15 year mortgage rates, the bank prime rate, credit card APR, new car loans and personal loans, plus national house prices so you can see borrowing costs and home values together.

Every rate arrives with context rather than a bare number: how it moved over the past week, month and year, and where it sits inside its own multi year range.

No login, no API key, no proxy.

What you get

One row per rate in latest mode:

{
  "seriesId": "MORTGAGE30US",
  "label": "30-year fixed mortgage",
  "category": "mortgage",
  "rate": 6.66,
  "unit": "percent per year",
  "observationDate": "2026-07-30",
  "frequency": "weekly",
  "changeWeek": 0.08,
  "changeMonth": 0.17,
  "changeYear": -0.08,
  "percentileRank": 63,
  "windowYears": 5,
  "windowLow": 2.77,
  "windowHigh": 7.79,
  "windowMedian": 6.81,
  "isStale": false,
  "daysSinceObservation": 5
}

In history mode you get one row per published observation instead, going back as far as the series runs. The 30 year mortgage starts in 1971.

Rates covered

Series	Rate	Published
MORTGAGE30US	30 year fixed mortgage	weekly
MORTGAGE15US	15 year fixed mortgage	weekly
DPRIME	Bank prime loan rate	daily
DFF	Federal funds effective rate	daily
TERMCBCCALLNS	Credit card interest rate	quarterly
TERMCBAUTO48NS	48 month new car loan	quarterly
RIFLPBCIANM60NM	60 month new car loan	quarterly
TERMCBPER24NS	24 month personal loan	quarterly

House prices, so a single run answers what a home costs as well as what it costs to borrow:

Series	Measure	Published
CSUSHPINSA	Case-Shiller national home price index	monthly
MSPUS	Median sale price of houses sold	quarterly
ASPUS	Average sale price of houses sold	quarterly

These are not percentages. Case-Shiller is an index where January 2000 equals 100, and the sale prices are US dollars, so every row carries its own unit and values must never be averaged or ranked across different units.

Two more, MORTGAGE5US and MMNRNJ, are no longer published. They still return their final value, so they are left out unless you ask for them and always come back marked isStale.

Input

Field	Description
mode	latest (default) or history
series	Which rates to return. Empty means all current ones
includeDiscontinued	Include the two retired series (default false)
percentileYears	Window for the low, high, median and percentile (default 5)
historyFrom / historyTo	History mode date range, YYYY-MM-DD
maxRows	Total rows returned (default 500)

Examples

Today's rates with context:

{ "mode": "latest" }

Just the mortgage rates:

{ "mode": "latest", "series": ["MORTGAGE30US", "MORTGAGE15US"] }

Two years of weekly 30 year mortgage history:

{ "mode": "history", "series": ["MORTGAGE30US"], "historyFrom": "2024-08-01" }

How the numbers are worked out

A change is measured against the newest observation at or before that date, not a fixed number of rows back, because these series publish at different rhythms.

A change window shorter than how often the rate is published comes back as null. The credit card and loan surveys are quarterly, so there is no such thing as their weekly move, and reporting one would be inventing a measurement.

Any rate that is missing for a period, such as a daily series over a holiday, is left out rather than treated as zero. A zero would read as a real 0.00% rate.

isStale compares the age of the newest observation against how often that rate is normally published, so a quarterly survey is not called stale for behaving quarterly.

Who it's for

Anyone tracking borrowing costs: mortgage and lending sites showing current rates, personal finance tools and newsletters, fintech dashboards, and analysts watching what consumer credit costs. Pairs with the US Treasury Rates Scraper and Central Bank Policy Rates for the wholesale and policy side of the same picture.

Pricing

Pay per rate row. The first 2 rows of every run are free so you can validate the output before you pay.