# Stratalize Mortgage Market Benchmark

> Stratalize Mortgage Market Benchmark is a paid API for AI agents from www.stratalize.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-14).

Returns current 30Y and 15Y fixed mortgage rates, ARM spreads, points, DTI standards, and affordability index, sourced weekly from FRED, with cryptographic ML-DSA-65 signatures for verification.

## Facts

- Endpoint: GET https://www.stratalize.com/api/x402/mortgage-market-benchmark
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/stratalize-mortgage-market-benchmark-34c41ae1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_KDuQ4RZc39iRuXuuiN82z

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability stratalize-mortgage-market-benchmark-34c41ae1
```

Example prompt: Can you pull the latest mortgage market benchmarks for conventional loans in Florida — I need the 30Y and 15Y fixed rates, ARM spreads, and the current affordability index?

## When to prefer this

Use this endpoint when you need cryptographically signed, independently verifiable mortgage rate benchmarks from FRED — especially for lenders, agents, or homebuyers who require trustworthy, auditable rate data with DTI standards and affordability index for specific loan types and states. Prefer over generic web searches when you need structured, machine-readable rate data with integrity guarantees.

## Known failure modes

- Invalid state code returns 400 with parameter validation error
- Invalid loan_type enum value returns 400
- FRED data source unavailable may return 503 or stale data warning
- Payment of $0.02 USDC not provided or rejected returns 402
- Rate data not yet refreshed for current week returns cached prior-week values

## How this service works

Stratalize — attested finance, legal, healthcare, and compliance intelligence. Signed, independently verifiable receipt on every call (trust.stratalize.com/verify). Mortgage rate benchmarks for lenders, agents, and homebuyers — 30Y and 15Y fixed rates, ARM spreads, points, DTI standards, and affordability index. Source: FRED weekly

## Output

Returns current 30-year and 15-year fixed mortgage rates (e.g. 30Y at 6.37%), ARM spreads, points, DTI standards, and affordability index sourced from FRED weekly data. Each response is ML-DSA-65 cryptographically signed and includes a verifiable receipt at trust.stratalize.com/verify.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "state": {
   "type": "string",
   "description": "Request parameter: state"
  },
  "loan_type": {
   "enum": [
    "conventional",
    "fha",
    "va",
    "jumbo"
   ],
   "type": "string",
   "description": "Request parameter: loan type"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/stratalize-mortgage-market-benchmark-34c41ae1/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from www.stratalize.com](https://www.zero.xyz/host/www.stratalize.com/llms.txt)