Mortgage tools for your AI assistant | Pragmatic Mortgage Lending

Just want current rates? Start here.

Share our mortgage rates page with an assistant that can browse. Live category summaries show insured, insurable, uninsured, renewal/transfer and refinance offers directly. The public rate data includes every advertised offer, its conditions and lender-check time. No connection or account is needed.

Compare mortgage rates →Find a lender Live rate data

Read https://pragmatic.mortgage/rates and https://pragmatic.mortgage/rates?format=html to compare Pragmatic Mortgage's advertised mortgage rates. Follow the next-page link to read all offers. Filter termYears=5 and rateType=FIXED if comparing five-year fixed. Use pricingBucket=INSURED for insured, INSURABLE for insurable and UNINSURED for uninsured. transaction accepts PURCHASE, RENEWAL/TRANSFER/SWITCH, REFINANCE or HELOC. Show APR, lender, purchase/renewal/refinance conditions and lender-check time. Do not assume I qualify. If tools are available, use pragmatic.rate_overview.v1 and follow pagination.nextInput. For browsing-only calculations and borrower-matched searches, read https://pragmatic.mortgage/ai-agents?format=html and execute its anonymous GET tools with format=html. Do not submit an application.

Reading a website does not automatically enable its tools inside ChatGPT or another assistant. Browsing assistants can read the rate page; compatible connected clients can run MCP tools; supported browser agents can use WebMCP while visiting. If your assistant cannot run a tool, ask it to open the rate page above.

If your assistant cannot read JSON, our public data also comes as readable HTML. The same anonymous inputs, eligibility checks and calculator math apply. Browse public tools or open a minimum-down-payment example.

Mortgage Plan for ChatGPT

For an editable renewal, purchase-cost or refinance comparison, connect this consumer endpoint in ChatGPT developer mode. The existing public integration remains available below.

https://pragmatic.mortgage/api/chatgpt/mcp

Consumer overview Try Mortgage Plan

One request. A useful comparison.

Published rates, monthly payments, insurance estimates, interest over the term and remaining balances together.

25 calculators. Shared math.

Explore affordability, renewal, refinancing, closing costs and prepayments. Compare up to eight calculator scenarios in one request.

Sources you can check.

Results include source links and assumptions. Rate comparisons show retrieval and catalog update times. Public tools need no account or API key.

Try the actual agent tool

See what your assistant sees.

Change the example below. This calls our published rate catalog and mortgage calculators, returning a comparison you can inspect.

Read, then refine.

These anonymous examples use a $750,000 BC home and a 25-year amortization. The purchase has $75,000 down; the refinance has a $600,000 mortgage. Follow the term, insurance and lender links in a result to refine that scenario. Text-only assistants can use the exact URLs in its “Links for assistants” section.

Insured purchase example Uninsured refinance example

Inputs for all 25 calculators

Bring your favourite assistant.

For an assistant with web access, start by sharing this page and the prompt below. Compatible browser agents can discover our WebMCP tools while visiting. Assistants with remote MCP support can connect directly for structured results.

Read https://pragmatic.mortgage/rates and https://pragmatic.mortgage/rates?format=html to compare Pragmatic Mortgage's advertised mortgage rates. Follow the next-page link to read all offers. Filter termYears=5 and rateType=FIXED if comparing five-year fixed. Use pricingBucket=INSURED for insured, INSURABLE for insurable and UNINSURED for uninsured. transaction accepts PURCHASE, RENEWAL/TRANSFER/SWITCH, REFINANCE or HELOC. Show APR, lender, purchase/renewal/refinance conditions and lender-check time. Do not assume I qualify. If tools are available, use pragmatic.rate_overview.v1 and follow pagination.nextInput. For browsing-only calculations and borrower-matched searches, read https://pragmatic.mortgage/ai-agents?format=html and execute its anonymous GET tools with format=html. Do not submit an application.

Public MCP connection

https://pragmatic.mortgage/api/public/mcp

Transport: Streamable HTTP · Authentication: none · Public, read-only tools

ChatGPT

Where developer mode is available, enable it in Settings → Security and login. Open ChatGPT Plugins, select the plus button and add the MCP URL above. Choose no authentication, create the connection, and select it in your conversation.

Official connection guide

Meta Muse & browser assistants

Give your assistant this page and the example prompt. Its web tools can use the public pages and HTTP catalog. Native WebMCP execution depends on its browser. Meta’s published Muse introduction does not establish a custom MCP setup flow; we do not claim an automatic Muse integration.

About Meta Muse

OpenClaw & other MCP clients

Add this URL as a remote Streamable HTTP server in your client. In OpenClaw, register it with the command below, then probe the connection. Tool availability depends on the runtime you use.

OpenClaw MCP reference

openclaw mcp set pragmatic '{"url":"https://pragmatic.mortgage/api/public/mcp","transport":"streamable-http"}'
openclaw mcp probe pragmatic --json

Connection options depend on your assistant, plan and workspace settings. Publishing these tools makes them available; it does not automatically install them in every assistant or guarantee recommendations. WebMCP is an evolving browser API. Browser support details.

Built for decisions you can explain.

A low rate is one part of a mortgage. Ask your assistant to compare equal term lengths and check penalties, fees, prepayment privileges and portability. A rate increase scenario illustrates payment sensitivity; it is not a forecast or a qualification decision.

Calculations are educational estimates. Published rates are scenario examples, subject to lender review. Brokerage services are available in British Columbia only. Use anonymous numbers; keep names, contact details and documents out of public tools.

Review your options with a licensed broker

For builders and curious people.

Prefer plain HTTP? Read the catalog, then use GET with tool and JSON-encoded input query parameters, or POST a JSON object with tool and input. Rates and calculators use the same public registry. Use anonymous scenario numbers only; never include personal information in a URL.

MCP clients can also read calculator schemas as resources and use the compare_mortgages prompt.

Better mortgage questions. Clearer answers.