Best 5 Mortgage APIs to use in 2023

June 16, 2023
Data Expert Lucy
Lucy Kelly Research Analyst at Datarade

In today’s digital age, the mortgage industry is rapidly evolving, and APIs (Application Programming Interfaces) are playing a crucial role in this transformation. Mortgage APIs allow lenders, brokers, and borrowers to access and exchange data seamlessly, making the mortgage process faster, more efficient, and more transparent. In this article, we will explore some of the best mortgage APIs available in the market and how they are revolutionizing the mortgage industry.

What are Mortgage APIs

Mortgage APIs are application programming interfaces that allow developers to access and integrate mortgage-related data and services into their applications. These APIs provide access to a variety of mortgage-related information, such as interest rates, loan terms, and payment schedules. They also enable developers to automate the mortgage application process, including pre-approvals, underwriting, and closing. Mortgage APIs are typically offered by financial institutions, mortgage lenders, and third-party providers, and can be used by developers to create innovative mortgage-related applications and services.

Main Use Cases of Mortgage APIs

Mortgage APIs are becoming increasingly popular in the financial industry due to their ability to streamline the mortgage application process and provide real-time data to lenders and borrowers. Here are some of the main use cases of mortgage APIs:

  • Mortgage pre-qualification: APIs can be used to quickly determine a borrower’s eligibility for a mortgage based on their credit score, income, and other financial information.

  • Mortgage rate comparison: APIs can provide real-time mortgage rates from multiple lenders, allowing borrowers to compare rates and choose the best option for their needs.

  • Mortgage application submission: APIs can be used to submit mortgage applications directly to lenders, reducing the time and effort required for manual application processing.

  • Mortgage payment processing: APIs can facilitate the processing of mortgage payments, including automatic payments and payment reminders.

  • Mortgage servicing: APIs can provide real-time data on mortgage balances, payment history, and other important information to both lenders and borrowers.

  • Mortgage analytics: APIs can be used to analyze mortgage data and provide insights into trends, risk factors, and other important metrics for lenders and investors.

Best Mortgage APIs - Our top picks

Dimension TovoData Mortgage API The Warren Group Mortgage Data API RateSpot Mortgage Rates API
Property Data Offers up to 300 data points relating to a property: ownership, property characteristics, mortgage, valuation, and more. Access detailed property records, assessment/tax data, AVMs, current and historical sales transactions, and school data. Provides a live feed of front line mortgage prices from major mortgage PPE brokers like bankrate.com, icanbuy.com, and zillow.
API Calls MLS API, Comparables API, Legal & Vesting API, Custom Data Solutions Retrieve property snapshots within a specific city and size range, obtain property listings within a zip code, fetch basic property information and transaction history for a specific address, retrieve home sale snapshots within a GeoID based on date range and sale amount. N/A
Data Enhancement Customizable real estate API solution complete with the exact property data you need to know about an address: ownership, characteristics, valuation, mortgage, liens, market data, you name it. Enhance your existing database with reliable information on millions of properties across the country. N/A
Analytics N/A Leverage accurate and current data to model the real estate and lending landscapes. N/A
Marketing N/A Access in-depth homeowner information through the API to personalize your company’s marketing and sales collateral. N/A
Pricing Offers a free trial and flexible pay-as-you-go model. Pricing options will be discussed based on your specific requirements. Offers flexible pricing options based on your specific needs.
Overall Review and Conclusion Offers one of the best mortgage APIs in the market with a wide range of features and flexible pricing plans. Offers a powerful solution for integrating property data into your database or application with comprehensive coverage of property records and real-time updates. Provides a reliable and accurate mortgage rates API with a live feed of front line mortgage prices from major mortgage PPE brokers.

The Best 5 Mortgage APIs to use in 2023

TovoData Mortgage API offers one of the best mortgage APIs in the market. With their API, you can instantly access property, mortgage, neighborhood, and real estate market data in real-time. Their API is designed to give you instant access to the most accurate, current multi-sourced property data.

Their API offers a wide range of features, including:

  • Property Spring: Access the most complete real estate API. Property Spring offers up to 300 data points relating to a property: ownership, property characteristics, mortgage, valuation, and more.
  • MLS API: Obtaining multiple listing service (MLS) data is easy. Available as an add-on data set to Property Spring or stand-alone. It’s the API for listing data that’s contributed and used by realtors.
  • Comparables API: Gain real estate comparables (comps) relating to your subject properties. Instantly identify properties and their market activity in close proximity. Available as an add-on data set to Property Spring or stand-alone.
  • Legal & Vesting API: Discover the fully typed legal description of properties and their vesting information. This API add-on provides the right insight that’s perfect for home equity lenders to make smart lending decisions that fund.
  • Custom Data Solutions: Their data experts are ready to customize a real estate API solution complete with the exact property data you need to know about an address: ownership, characteristics, valuation, mortgage, liens, market data, you name it.

Pricing

TovoData Mortgage API offers a free trial to easily access their real estate data APIs for free. You can preview the type of property data and reports available for you to customize to meet your real data API needs.

Their pricing plans are flexible and can be customized to meet your specific needs. They offer a pay-as-you-go model, which means you only pay for what you use. This makes it easy for businesses of all sizes to access their real estate data APIs without breaking the bank.

Overall Review and Conclusion

Overall, TovoData Mortgage API offers one of the best mortgage APIs in the market. Their API is designed to give you instant access to the most accurate, current multi-sourced property data. With a wide range of features and flexible pricing plans, TovoData Mortgage API is a great choice for businesses of all sizes looking to access real estate data APIs.

The Warren Group Mortgage Data offers one of the best mortgage APIs, providing integrated data in real time. With their Property API, you can gain instant access to comprehensive property data on more than 150 million property records sourced from local public records data. The API acts as a software intermediary, augmenting your database or application with up-to-date information as you and your customers need it. Some key features of The Warren Group Mortgage Data API include:

  • Comprehensive Property Data: Access detailed property records, assessment/tax data, AVMs, current and historical sales transactions, and school data.
  • Multiple API Calls: Perform various API calls such as retrieving property snapshots within a specific city and size range, obtaining property listings within a zip code, fetching basic property information and transaction history for a specific address, and retrieving home sale snapshots within a GeoID based on date range and sale amount.
  • Data Enhancement: Enhance your existing database with reliable information on millions of properties across the country.
  • Automated Forms: Streamline your company’s online property reports with pre-populated property and ownership information.
  • Analytics: Leverage accurate and current data to model the real estate and lending landscapes.
  • Marketing: Access in-depth homeowner information through the API to personalize your company’s marketing and sales collateral.
  • Multi-Use Calls: Combine property data with school data through on-demand access.

To explore more about the API and its developer resources, you can visit the API Developer Page.

Pricing

For detailed information on API pricing, it is recommended to fill out the form available on this page and wait for a representative to contact you. Pricing options will be discussed based on your specific requirements.

Overall Review and Conclusion

The Warren Group Mortgage Data API offers a powerful solution for integrating property data into your database or application. With its comprehensive coverage of property records and real-time updates, it provides valuable insights for various industries such as real estate, finance, mortgage, legal, home services, universities, government, and insurance. The ability to access detailed property information, perform custom analytics, and personalize marketing efforts makes it a versatile tool for businesses in the real estate industry.

Although specific pricing details are not publicly available, The Warren Group Mortgage Data API offers flexible options tailored to your needs. It is recommended to reach out to their representative through the provided form for more information on pricing and to discuss your specific requirements.

Overall, The Warren Group Mortgage Data API stands out as a reliable and feature-rich solution, empowering businesses with comprehensive property data and enabling them to make informed decisions in the ever-changing real estate market.

If you’re looking for a reliable and accurate mortgage rates API, RateSpot is definitely worth considering. Here’s why:

General Features

RateSpot’s Mortgage Rates API offers a live feed of front line mortgage prices from major mortgage PPE brokers like bankrate.com, icanbuy.com, and zillow. This means you can get the latest mortgage rate prices (par rates with points) and provide transparency on who is advertising throughout the day. The price feed is collected on a rep-line level with inputs like zip code, purchase amount, downpayment, loan type, and credit score.

The results provided by the exchange brokers include product type (20 year fixed, 30 year fixed, 7/6 ARM, 5/6 ARM, etc.), interest rate, point, APR, monthly payment, upfront costs, and rate lock used for pricing. This comprehensive data set allows you to make informed decisions about mortgage rates and compare offers from different lenders.

Pricing

RateSpot offers flexible pricing options based on your specific needs. You can choose to pay per API call, per month, or annually. The pricing is competitive and transparent, with no hidden fees or charges. Plus, you can easily upgrade or downgrade your plan as your needs change.

Overall Review and Conclusion

Overall, RateSpot’s Mortgage Rates API is one of the best options on the market. The live feed of front line mortgage prices from major mortgage PPE brokers provides accurate and up-to-date information, while the comprehensive data set allows for easy comparison of different lenders. The flexible pricing options and transparent fees make it easy to get started, and the ability to upgrade or downgrade your plan as needed ensures that you always have access to the data you need. If you’re looking for a reliable and accurate mortgage rates API, RateSpot is definitely worth considering.

If you’re looking for a reliable and efficient mortgage API, AGR Marketing is definitely worth considering. Here’s a review of their product, highlighting its general features, pricing, and overall quality.

General Features

AGR Marketing’s mortgage API is designed to provide accurate and up-to-date information on mortgage data, including loan amounts, interest rates, and payment schedules. The API is easy to integrate with your existing systems and can be customized to meet your specific needs.

One of the key features of AGR Marketing’s mortgage API is its comprehensive coverage. The database contains information on millions of properties across the United States, including residential, commercial, agricultural, and vacant land. The data is regularly updated to ensure accuracy and completeness.

Another notable feature of the API is its ease of use. AGR Marketing provides detailed documentation and support to help you get started quickly and easily. The API is also designed to be scalable, so you can easily handle large volumes of data without any performance issues.

Pricing

AGR Marketing offers flexible pricing options for its mortgage API, depending on your specific needs and usage. The company provides a range of subscription plans, starting from basic packages for small businesses to enterprise-level plans for large organizations.

The pricing is based on the number of API calls and the amount of data you need to access. AGR Marketing also offers custom pricing for clients with unique requirements or high-volume usage.

Overall Review and Conclusion

Overall, AGR Marketing’s mortgage API is a reliable and efficient solution for accessing mortgage data. The API is easy to use, scalable, and provides comprehensive coverage of properties across the United States.

The pricing is flexible and competitive, making it accessible to businesses of all sizes. AGR Marketing also provides excellent support and documentation, ensuring a smooth integration process.

If you’re looking for a high-quality mortgage API, AGR Marketing is definitely worth considering.

Dexivo is a company that specializes in data acquisition and sales, with big data at the core of their operations. Their team of data scientists and experts excel at big data solutions, managing data from endless sources with various use cases. One of their product offerings is their Mortgage API, which is considered one of the best in the market.

General Features

Dexivo’s Mortgage API offers a comprehensive set of features that make it stand out from its competitors. These features include:

  • API Service Architecture: Allows data to be imported on a programmatic basis into clients’ side applications.
  • 245+ Million Unique Consumer Records: Provides a vast database of consumer information for mortgage-related purposes.
  • 215+ Million Consumer Credit Ratings: Offers credit ratings for consumers, which is essential in mortgage lending.
  • 410+ Taxonomies (Demographics): Includes age, race, gender, lifestyle, interests, and other demographic information that can help lenders make informed decisions.
  • 35+ Financial Impact Taxonomies: Provides credit rating, home-mortgage, credit cards, net worth, investor, and other financial information that can help lenders assess a borrower’s financial standing.
  • Political Data: Includes donor status to a particular party, which can be useful in assessing a borrower’s political affiliations and potential risks.
  • High-Quality Verified Data: Boasts 244M+ emails with a 94% accuracy and 185M+ phone numbers with an 85%+ accuracy.
  • Advanced Audience Identification: Helps marketers expand their potential audience on paid media networks.
  • Data Appending via API: Restful API, JSON, and XML - HTTP GET or POST Supported.

Pricing

Dexivo’s Mortgage API pricing is competitive and flexible, depending on the client’s needs. They offer data purchases, licensing agreements, and professional services such as appending, modeling, and Power BI reporting. Clients can choose the pricing model that suits their budget and requirements.

Overall Review and Conclusion

Dexivo’s Mortgage API is undoubtedly one of the best in the market, offering a comprehensive set of features that can help lenders make informed decisions. The vast database of consumer information, financial impact taxonomies, and political data can provide lenders with a complete picture of a borrower’s financial standing and potential risks. The API service architecture and data appending via API make it easy for clients to integrate the data into their systems. The pricing is competitive and flexible,