io.github.financeratecalc/frc-mcp

up checked 2026-11-11T05:38:18.162Z

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Publisher-provided description

2025 HMDA FHA denial statistics and dated US mortgage rule tables, with verifiable receipts.

Summary by lookupd

Lets an agent query FHA mortgage denial statistics, lender comparisons, and dated US mortgage rule tables from public federal data.

Install

Claude Code, remote (streamable-http)

claude mcp add --transport http frc https://frc-mcp.ziyetis.workers.dev

Claude Code, npm package (stdio)

claude mcp add frc -- npx -y frc-mcp

Codex, remote (streamable-http)

codex mcp add frc --url https://frc-mcp.ziyetis.workers.dev

Codex, npm package (stdio)

codex mcp add frc -- npx -y frc-mcp

Cursor, remote (streamable-http) → .cursor/mcp.json

{
  "mcpServers": {
    "frc": {
      "url": "https://frc-mcp.ziyetis.workers.dev"
    }
  }
}

Cursor, npm package (stdio) → .cursor/mcp.json

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

Other clients: docs. Or tell your agent: Set up lookupd for me: read https://lookupd.com/agent.md and follow it.

Tools (18 tools)

Publisher-provided text

• check_claim_contract Checks 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
• get_national_fha_stats ANSWERS: "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
• get_lender_denial_stats ANSWERS: "what is <lender>'s FHA denial rate", "does <lender> reject a lot of FHA applications", "how strict is <lender>", "how does <lender> compare". PARAM: l
• get_application_outcomes ANSWERS: "how many FHA applications are withdrawn", "what share of FHA applications never reach a decision", "how many approved FHA loans are not taken", "why i
• get_official_figure ANSWERS: "how many FHA loans did HUD endorse in <month>", "what share of FHA endorsements were purchase loans", "what is the FHA first-time homebuyer share", "w
• list_lenders ANSWERS: "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
• get_small_loan_penalty ANSWERS: "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
• get_denial_reason_shares ANSWERS: "why are FHA loans denied", "what is the most common denial reason", "which lender cites incomplete applications most", "how often is debt-to-income th
• get_state_denial_stats ANSWERS: "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-l
• get_door_effect_summary ANSWERS: "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 varia
• get_metro_lender_gap ANSWERS: "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
• screen_counterparties ANSWERS: "run my list of lenders through the federal record", "screen these LEIs", "which of my counterparties deny more than their applicant mix predicts". PAR
• screen_counterparties_quote ANSWERS: "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 LEI
• list_cohorts ANSWERS: "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 withou
• run_cohort ANSWERS: "run the screen on <cohort>", "how do these lenders compare against expectation". PARAM: cohort id from list_cohorts. Returns the peer-adjusted screen:
• get_conditional_door_map ANSWERS: "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 na
• get_rule ANSWERS: "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".
• resolve_fha_annual_mip ANSWERS: "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_

Details

• Version: 1.45.0
• Transports: streamable-http, stdio
• Uptime (7 days): 100%
• Median latency: 347 ms
• First indexed: 2026-11-01T09:29:38.885Z
• Last seen in registry: 2026-11-10T19:17:29.644Z
• Repository: https://github.com/financeratecalc/frc-mcp
• Website: https://financeratecalc.com/mcp-server.html

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