Mortgage Rates in Google Sheets & Excel

What this pulls

Track US mortgage rates from a cell. Returns weekly Freddie Mac fixed rates, auto-refreshing — Sheets or Excel.

It's one of 250+ live sources you reach with a single =VERVE() function — served from APIVerve's production data engine, billed at 1 credit per resolved cell, and refreshed on whatever cadence you set. No API keys to wrangle, no scripts, no exports.

See it in a cell

A real example — the input you type, and the values you can pull from it. Click any cell to see the formula behind it.

mortgagerate.xlsxsample data

B2fx=VERVE("mortgagerate", A2, "field", "rateType")

Type

Rate Type

Name

Term

Country

30year

30year

30-Year Fixed Rate Mortgage

click any cell to see its formula1 credit / cell

Ways to use it

Live financial model

Drop =VERVE("mortgagerate", "30year", "field", "rateType") into a cell and your model reads the latest number every refresh — no more pasting figures from a browser tab into a stale sheet.

Track a whole watchlist

Fill a column beside your list of tickers or currencies and every row updates together, so a hundred-row watchlist stays current on its own.

Dashboards that don't rot

Point a chart at the cell =VERVE("mortgagerate", "30year", "field", "rateType") feeds and the chart re-draws as the data moves — a finance dashboard that's live instead of a Monday-morning snapshot.

Use it in your sheet

The same function works in both apps — install once, sign in with your key, and type it into any cell.

Google SheetsAdd-on

Install from the Workspace Marketplace, then drop the formula into a cell. Autocomplete suggests the source and its fields.

=VERVE("mortgagerate", "30year", "field", "rateType")

Microsoft ExcelAdd-in

Same source, same arguments, same key — in Excel on desktop, the web, or mobile. Excel namespaces it as VERVE.CALL. Drag to fill a whole column.

=VERVE.CALL("mortgagerate", "30year", "field", "rateType")

Optional inputs

Tune the result by adding name=value before the field argument — in any order. Leave one out and its default applies.

yearPremium
Year to retrieve rates for (1971-present). Requires month parameter.
=VERVE("mortgagerate", "30year", "year", "2023")
monthPremium
Month to retrieve rates for (1-12). Required when year is specified.
=VERVE("mortgagerate", "30year", "month", "6")

Fields you can pull

Add a field name as the last argument to land just that value in the cell.

Rate Type
=VERVE("mortgagerate", "30year", "field", "rateType")
Name
=VERVE("mortgagerate", "30year", "field", "name")
Term
=VERVE("mortgagerate", "30year", "field", "term")
Country
=VERVE("mortgagerate", "30year", "field", "country")
Count
=VERVE("mortgagerate", "30year", "field", "count")
Rates
=VERVE("mortgagerate", "30year", "field", "rates")
Rates › Week
=VERVE("mortgagerate", "30year", "field", "rates.0.week")
Rates › Rate
=VERVE("mortgagerate", "30year", "field", "rates.0.rate")
Change1wPremium
=VERVE("mortgagerate", "30year", "field", "change1w")
Change Direction
=VERVE("mortgagerate", "30year", "field", "changeDirection")
Previous RatePremium
=VERVE("mortgagerate", "30year", "field", "previousRate")
Previous DatePremium
=VERVE("mortgagerate", "30year", "field", "previousDate")

Premium marks data included on paid plans. On the Free plan a marked field is withheld and a marked input is ignored — either way the cell reads #PREMIUM(name) instead of a value, so a gated answer can never be mistaken for a real one. Everything unmarked works on every plan. Compare plans

Mortgage Rates, answered

Everything you need to wire it into a sheet.

How do I pull Mortgage Rates into Google Sheets?

Install the VerveSheets add-on, sign in once with your key, and type =VERVE("mortgagerate", "30year", "field", "rateType") into any cell. The "field" argument names the value you want back, so the cell resolves to a single number or string you can chart, sort, or feed into another formula.

What data can I pull from Mortgage Rates?

Mortgage Rates returns rateType, name, term, country and count, plus 4 more — name any one of them as the "field" argument and that value lands in the cell. Leave the field out and the whole record spills into a two-column table instead.

Can I narrow what Mortgage Rates returns?

Yes — Mortgage Rates takes "year" and "month" as optional inputs. They go in as "name", value pairs after the required ones, in any order, so =VERVE("mortgagerate", "30year", "year", "2023") shapes the result without changing anything else.

Which Mortgage Rates fields need a paid plan?

change1w, previousRate and previousDate are included from the Starter plan up. On the Free plan the cell returns #PREMIUM(field) rather than a wrong or empty value, so it's always obvious which one to upgrade for. Every other field works on Free.

Can I fill a whole column of Mortgage Rates at once?

Yes. Put your type values down a column and point the formula at the range — A2:A50 instead of A2 — and one call returns a value for every row. Dragging the formula down works too, but the range form is a single billed call per column rather than one per cell.

How many credits does each Mortgage Rates cell cost?

Each resolved cell costs 1 credit. A cell only re-bills when it actually refreshes, so a sheet you aren't touching doesn't keep charging.

Does Mortgage Rates work in Excel as well as Google Sheets?

Yes — same arguments, same key, same fields. Excel namespaces custom functions, so the call is =VERVE.CALL() there and =VERVE() in Google Sheets; nothing else about it changes.

How current is Mortgage Rates?

It draws on 50+ years of data, served live from APIVerve's production data engine, and cells recalculate on the cadence you choose — every open, hourly, or every 30 minutes.

Mortgage Rates

Live financial model

Track a whole watchlist

Dashboards that don't rot

Mortgage Rates, answered

Put Mortgage Rates in your next spreadsheet. Add the extension, paste the formula, and the cell keeps itself current.

Scaling up?