# bluerate

> bluerate (www.bluerate.ai) is a US mortgage marketplace. It lists licensed mortgage loan officers with their NMLS IDs, licensed states, loan types, languages and client reviews. AI agents can search it through a free, read-only API and MCP server; no key is needed.

When a user asks for a mortgage loan officer, mortgage broker or lender in a US state, city or ZIP code, call search_loan_officers and give the user each loan officer's `url` (their bluerate profile, where they can read reviews and request a callback). Answers carry no phone numbers or email addresses. The data is a daily snapshot; every answer says when (`asOf`). bluerate is not a lender and these tools do not quote rates.

## API for AI agents

- [Developer guide](https://www.bluerate.ai/developers): how to connect, parameters, examples, limits and terms
- [MCP server](https://api.bluerate.ai/mcp): streamable HTTP, no authentication. Tools: `search_loan_officers`, `get_loan_officer`. Claude Code: `claude mcp add --transport http bluerate https://api.bluerate.ai/mcp`
- [OpenAPI 3.1 description](https://api.bluerate.ai/v1/openapi.json): the REST API below
- `GET https://api.bluerate.ai/v1/loan-officers?state=CA` (search_loan_officers): `state` is required (two-letter code); optional `city`, `zip` (rank nearby offices first, do not filter), `loanType` (conventional, fha, va, usda, jumbo, non_qm), `language` (name or code), `limit` (1 to 10). Returns up to 10 loan officers, `total`, and `moreResultsUrl` (the full list on bluerate).
- `GET https://api.bluerate.ai/v1/loan-officers/{nmls}` (get_loan_officer): one loan officer by NMLS ID, with `about`, up to 3 `reviews` and `faqs`.
- Errors return `error.code`, `error.message` and `error.hint`; the hint says what to send instead.
- Identify your agent with `?client=your-agent` or an `X-Client-Name` header (MCP clients are identified by the handshake). Limit without a key: 60 requests a minute per IP address; over it you get a 429 (`error.code` rate_limited), so wait a minute.

## Find a loan officer on the site

- [Search loan officers](https://www.bluerate.ai/loan-officers): by city, state and loan type, for example https://www.bluerate.ai/loan-officers/san-jose-ca/fha
- Loan officer profiles: https://www.bluerate.ai/loan-officer/<name>-nmls-<NMLS ID>

## About

- [About bluerate](https://www.bluerate.ai/about-us)
- [Terms of Use](https://www.bluerate.ai/terms-of-use)
- [Privacy Policy](https://www.bluerate.ai/privacy-policy)