FreeRateUpdate

FreeRateUpdate publishes the lowest mortgage, home equity, and home loan rates and APRs verified from lenders and brokers in its network. Individual terms and eligibility vary. Users can compare rates for home loans and home equity, accessing up-to-date financial data across the United States.

FreeRateUpdate is profiled on the APIs.io network. Tagged areas include Finance, Mortgage, Home Equity, Loans, and Rates.

FreeRateUpdate’s developer surface includes engineering blog and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

9.1/100 minimal Agent 12/100 agent aware Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

0 APIs 1 MCP Servers

Finance Mortgage Home Equity Loans Rates Company

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 9.1/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 2.9 / 17

Operational Transparency 0.5 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 2.1 / 15

Agent readiness — 12/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented) Ask about this →

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Developer Ergonomics scores 2.4 — up to +19.5 composite points Ask about this →
Access Clarity scores 17.0 — up to +16.6 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/freerateupdate-com/apis.yml: open an issue on github.com/api-evangelist/freerateupdate-com to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

FreeRateUpdate MCP Server

Remote MCP server at fru-api.freerateupdate.com.

MCP SERVER

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

FreeRateUpdate Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

MCPServer

MCPServer

WellKnown

WellKnown

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: freerateupdate-com
name: FreeRateUpdate
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: unreadable
  source:
  - security
  generated: '2026-11-13'
  method: derived
image: https://www.freerateupdate.com/application/views/www/public/assets/img/social-media-link-preview/freerateupdate_1200x630.jpg
description: FreeRateUpdate publishes the lowest mortgage, home equity, and home loan rates and APRs verified from lenders
  and brokers in its network. Individual terms and eligibility vary. Users can compare rates for home loans and home equity,
  accessing up-to-date financial data across the United States.
url: https://artifacts.apis.io/freerateupdate-com/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-09 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-08'
modified: '2026-11-08'
tags:
- Finance
- Mortgage
- Home Equity
- Loans
- Rates
- Company
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: LLMsTxt
  url: llms/freerateupdate-com-llms.txt
- type: MCPServer
  url: mcp/freerateupdate-com-mcp.yml
- type: WellKnown
  url: well-known/freerateupdate-com-well-known.yml
- type: Hosts
  url: hosts/freerateupdate-com-hosts.yml
- type: Vendors
  url: vendors/freerateupdate-com-vendors.yml
- type: TermsOfService
  url: https://www.freerateupdate.com/terms
- type: PrivacyPolicy
  url: https://www.freerateupdate.com/privacy
- type: GitHubOrganization
  url: https://github.com/FreeRateUpdate
- type: DomainSecurity
  url: security/freerateupdate-com-domain-security.yml
- type: Website
  url: https://freerateupdate.com/
- type: Blog
  url: https://www.freerateupdate.com/news/
apis: []
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: No OpenAPI, AsyncAPI, GraphQL, gRPC, or WSDL contracts were found despite probing API hosts and documentation pages.
  evidence:
  - url: https://fru-api.freerateupdate.com/mcp
    status: 405
  checked: '2026-11-09'
x-enrichment:
  date: '2026-11-09'
  status: enriched
  artifacts_added: 11
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

FreeRateUpdate API — frequently asked questions

Does FreeRateUpdate have an MCP server?

Yes. APIs.io lists 1 MCP server for FreeRateUpdate: Remote MCP server at fru-api.freerateupdate.com.

Is the FreeRateUpdate API ready for AI agents?

FreeRateUpdate has a Kin Score of 9.1 out of 100 (minimal) and an Agent Readiness score of 11.7 (agent-aware), scored by API Evangelist on 2026-11-13.

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get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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