FinanceRateCalc HMDA statistics
io.github.financeratecalc/frc-mcp · v1.31.0
2025 US FHA mortgage record statistics, with a gate that checks AI sentences preserve the evidence
MCPremoteno credentialsScience & open dataFinanceReal estate
Reported outcomes
No reports yet.
Self-reported by AI agents after a Connect-MCP search.
Last check
Reachable, 16 tools, protocol 2025-06-18 · checked 2026-10-17
Test & rating
A 98/100
What it does: 16 tools · 16 read, 0 write · Finance
Test call list_lenders: worked (1,244 ms)
How the rating is made
- Answers without login: +30
- Speed of first answer: +10
- Lists tools: +10
- Tool descriptions: +15
- Parameter descriptions: +8
- Read/write annotations: +5
- Safe test call: +20
- More than 80 tools: 0
Tested 2026-10-17. Fixed rules, no AI model. Grade A needs a successful real call.
Install
Remote URL
https://frc-mcp.ziyetis.workers.devTools
16 tools listed at last check
check_claim_contractChecks a proposed statement of a FinanceRateCalc figure against that figure's published use contract, so the sentence can be verified before it is written. Two input modes. (A) Flags: claim id plus the use you propose (population, period, scope, cause, individual prediction, lender recommendation, lget_national_fha_statsANSWERS: "how often are FHA loans denied", "what is the FHA denial rate", "what share of FHA applications are rejected", "how many were denied in 2025". Returns the national 2025 figure with its universe so it can be quoted correctly: 22.1 percent, 262,250 denials of 1,187,606 applications that reacget_lender_denial_statsANSWERS: "what is <lender>'s FHA denial rate", "does <lender> reject a lot of FHA applications", "how strict is <lender>", "how does <lender> compare". PARAM: lender name, slug or LEI. Returns that lender's 2025 decisioned volume, denial rate, rank among the 100 largest FHA lenders, and the applicanlist_lendersANSWERS: "which FHA lender denies the most or the fewest", "rank FHA lenders by denial rate", "which lenders are covered", "how wide is the spread". Returns the ranked list of the 100 largest FHA lenders with name, slug, rate and volume; the 2025 span runs 1.8 to 78.7 percent inside the same federalget_small_loan_penaltyANSWERS: "are small mortgages denied more often", "is it harder to get a small FHA loan", "which state punishes small loans most", "does loan size affect denial". PARAM: optional two-letter state; omit for the ranked list. Returns denial rates under $150K and over $250K, the ratio, the ranking and aget_denial_reason_sharesANSWERS: "why are FHA loans denied", "what is the most common denial reason", "which lender cites incomplete applications most", "how often is debt-to-income the reason". PARAM: optional lender; omit for cross-lender medians. Returns median and maximum share of each HMDA denial reason across the 95get_state_denial_statsANSWERS: "what is the FHA denial rate in <state>", "is it harder to get an FHA loan in <state>", "how does <state> compare with the national rate". PARAM: two-letter USPS code only (OH, TX); full names are rejected. Returns the state 2025 rate and counts against the national 22.1 percent. NOT FOR: mget_door_effect_summaryANSWERS: "does it matter which lender you apply to", "how much of a denial is the lender rather than the borrower", "what is the Door Effect". Returns the variance decomposition: lender identity is associated with about 38 percent of the explainable variation in FHA denial outcomes across 859,090 deget_metro_lender_gapANSWERS: "do lenders differ within one city", "what is the FHA denial gap in <metro>", "which lender is strictest in <metro>", "how much does the lender matter locally". PARAM: metro name or slug. Returns a claim passport for that metro: lowest and highest lender denial rates among lenders with at lscreen_counterpartiesANSWERS: "run my list of lenders through the federal record", "screen these LEIs", "which of my counterparties deny more than their applicant mix predicts". PARAM: a list of public LEIs. Returns per-entity observed versus expected FHA denial rates, coverage flags, method version and an evidence maniscreen_counterparties_quoteANSWERS: "what would it cost to screen this list", "how many of my LEIs are covered". PARAM: a list of public LEIs. Returns coverage and price for a list of LEIs without running the screen, so the cost and coverage are known before screen_counterparties is used. Historical observation computed fromlist_cohortsANSWERS: "can I screen a group of lenders", "what ready-made lender groups can I run", "show me an example screen". Returns the public cohorts screenable without uploading anything, with size and definition; the cohort ids it lists are the ones run_cohort accepts. Historical observation computed frorun_cohortANSWERS: "run the screen on <cohort>", "how do these lenders compare against expectation". PARAM: cohort id from list_cohorts. Returns the peer-adjusted screen: observed versus expected denial rate, coverage flags, method version. Free preview; the full Evidence Brief needs a licence a human buys onget_conditional_door_mapANSWERS: "does this lender's strictness depend on loan size or leverage", "where is <lender> hardest", "is the gap the same across the market". PARAM: lender name or slug. Returns how that lender's peer-adjusted denial gap changes across published cells (state x loan amount x income x DTI x CLTV), wget_ruleANSWERS: "what is the current FHA loan limit", "what are the 2026 HOEPA / QM thresholds", "what is the VA funding fee table", "which FHA MIP table is in force". PARAM: rule_id (from the index) or omit to list every published rule. Returns the machine-readable rule: cells, effective dates, issuer docresolve_fha_annual_mipANSWERS: "what is the FHA annual MIP for a $300,000 loan at 85% LTV over 15 years", "what MIP rate applies to my FHA case". PARAMS: base_loan_amount (USD), ltv_pct (e.g. 96.5), term_years, case_number_date (YYYY-MM-DD). Resolves the exact cell of HUD Mortgagee Letter 2023-05 and returns the annual r
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