frc-mcp

frc-mcp — FinanceRateCalc MCP Server

Read-only statistics over the complete 2025 US HMDA mortgage record (1,187,606 FHA credit decisions, reverse mortgages excluded) plus dated, machine-readable US mortgage rule tables, served to AI agents over MCP. Every figure returns with its period, population and program scope, a use contract, and a receipt that can be verified later.

The red line: every figure is a historical aggregate. This server never accepts borrower details and never returns an individual approval prediction.

Remote endpoint (no install, no key)

https://frc-mcp.ziyetis.workers.dev

Streamable HTTP, stateless. MCP protocol revisions 2026-07-28, 2025-11-25, 2025-06-18, 2025-03-26. Server version 1.35.0. Listed in the official MCP registry as io.github.financeratecalc/frc-mcp.

Client configs (Claude Desktop, Claude Code, Cursor, VS Code, Windsurf, Codex, Gemini CLI), an instruction block for CLAUDE.md / AGENTS.md, and a first task to try: https://financeratecalc.com/use-frc.html

Tools (remote endpoint, 16)

Tool	What it answers
check_claim_contract	Checks a sentence you intend to write against the figure's use contract; fixed patterns, no model. Returns pass / needs_qualifier / block, a safe wording, and a receipt on pass. Also checks sentences against the five rule tables, binding each figure to the role named in its clause.
get_national_fha_stats	2025 national FHA denial rate with its universe.
get_lender_denial_stats	One of the 100 largest FHA lenders: volume, denial rate, rank, applicant-mix caveat.
list_lenders	The 100 largest FHA lenders ranked by denial rate or volume.
get_state_denial_stats	State FHA denial rate and small-loan split.
get_metro_lender_gap	Within one metro, the spread between the highest- and lowest-denying high-volume lenders.
get_small_loan_penalty	Denial rate under $150K vs over $250K, by state.
get_denial_reason_shares	Median and maximum share of each HMDA denial reason across the top-100 lenders.
get_door_effect_summary	Lender identity's share of explained variation in 2025 FHA denials.
get_conditional_door_map	Per-lender conditional surface with its robustness record.
list_cohorts / run_cohort	Ready-made public cohorts; no upload needed.
get_rule	One of five dated rule tables: FHA annual MIP (ML 2023-05), FHA forward loan limits 2026, FHFA conforming limits 2026, CFPB HOEPA/QM thresholds 2026, VA funding fee.
resolve_fha_annual_mip	The MIP cell for a stated term, base loan amount and LTV; asks for a missing condition instead of guessing it.
screen_counterparties / screen_counterparties_quote	Counterparty screen; free preview, full brief needs a licence bought by a human. The agent only relays the offer.

Plain HTTP beside MCP: GET /server-card, GET /cite/<claim-id> (receipted sentence in text, Markdown, HTML and BibTeX), GET /verify?r=<receipt> (is this figure still current; if not, which correction superseded it).

Receipts

A figure travels with a receipt such as ⟦FRC:national-fha-denial-rate-2025:22.1%:ebf6b00b:m2610⟧: claim id, value, the first eight hex characters of a hash of the claim object, and the channel and month it was issued through. /verify answers current, stale (corrected since; the correction is returned), hash-current-value-mismatch (the quoted value was edited) or unrecognized (this publisher never issued it). Conformance runs on every deploy and is published: https://financeratecalc.com/conformance.html

Local stdio package (npm)

The frc-mcp npm package is the original five read-only tools from a bundled data snapshot; it does not carry the rule tables, the sentence gate or receipts. Prefer the remote endpoint.

{
  "mcpServers": {
    "financeratecalc": {
      "command": "npx",
      "args": ["-y", "frc-mcp"]
    }
  }
}

Source

The remote server's source of record is worker/index.js in https://github.com/financeratecalc/financeratecalc.github.io, deployed to Cloudflare Workers on every change to that file. remote/worker.js in this repository is an early (five-tool) copy kept for reference.

Data: CC BY 4.0, attribution to financeratecalc.com. Source of truth: public CFPB HMDA 2025 (loan_type 2; actions 1, 2, 3; denial = action 3). Method: https://financeratecalc.com/methodology.html · corrections log: https://financeratecalc.com/corrections.html · SSRN 7156938. No lender recommendations, no individual predictions, no lender pays for placement.