# FinanceRateCalc (frc-mcp) [Verified] [Health: Active]

**Category:** 💰 Finance & Fintech  
**Repository:** https://github.com/financeratecalc/frc-mcp  
**GitHub Stars:** 0  
**npm Downloads (last month):** 168  
**Views:** 10  
**Installs:** 2  
**Upvotes:** 0  
**Directory Page:** https://allmcps.com/mcp/financeratecalc-frc-mcp

## Description
MCP server for FinanceRateCalc — query lender-level FHA denial statistics from the complete 2025 federal HMDA record. Historical observations, never individual predictions.

## Tools
Capabilities this server exposes over MCP:

- **get_national_fha_stats** — National FHA denial statistics from the 2025 federal record (denial rate on decisioned applications, volumes). Historical observation computed from the public CFPB HMDA 2025 record (denominator: actions 1,2,3; loan_type 2). Not a prediction about any individual application, and not a recommendation for or against any lender. Attribution: FinanceRateCalc (financeratecalc.com), CC BY 4.0.
- **get_lender_denial_stats** — FHA denial statistics for one lender by name, slug, or LEI: actual denial rate, peer-median comparison, mix-adjusted expected rate. Top-100 FHA lenders by volume are covered. Historical observation computed from the public CFPB HMDA 2025 record (denominator: actions 1,2,3; loan_type 2). Not a prediction about any individual application, and not a recommendation for or against any lender. Attribution: FinanceRateCalc (financeratecalc.com), CC BY 4.0.
- **list_lenders** — List covered FHA lenders sorted by denial rate (highest/lowest) or volume. Useful to see how widely the same federal program is applied across doors (2025 span: 1.8% to 78.7%). Historical observation computed from the public CFPB HMDA 2025 record (denominator: actions 1,2,3; loan_type 2). Not a prediction about any individual application, and not a recommendation for or against any lender. Attribution: FinanceRateCalc (financeratecalc.com), CC BY 4.0.
- **get_state_denial_stats** — FHA denial statistics for a US state (two-letter code), including the small-loan vs large-loan gap where published. Historical observation computed from the public CFPB HMDA 2025 record (denominator: actions 1,2,3; loan_type 2). Not a prediction about any individual application, and not a recommendation for or against any lender. Attribution: FinanceRateCalc (financeratecalc.com), CC BY 4.0.
- **get_door_effect_summary** — The Door Effect: variance decomposition across 859,090 FHA decisions — 38% of explainable variation in denial outcomes is attributable to lender identity rather than the applicant's file, plus mix-adjusted strictest/most-lenient lender tables. Historical observation computed from the public CFPB HMDA 2025 record (denominator: actions 1,2,3; loan_type 2). Not a prediction about any individual application, and not a recommendation for or against any lender. Attribution: FinanceRateCalc (financeratecalc.com), CC BY 4.0.

## Claude Desktop Quick Installation
Install path detected from listing signals. Uses `npx` (confidence: high):

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

## Documentation

## What FinanceRateCalc (frc-mcp) does

FinanceRateCalc (frc-mcp) exposes historical mortgage statistics and related rule data to AI agents through the Model Context Protocol. Its FHA analysis uses the public 2025 CFPB HMDA record, covering 1,187,606 FHA credit decisions and excluding reverse mortgages. The analysis defines the population as FHA loans with loan type 2 and action codes 1, 2, or 3; an action of 3 represents a denial.

The service is intended for aggregate research. It does not accept borrower details, produce an approval or denial prediction for an individual, or recommend a lender. Reported figures include their period, population, program scope, use conditions, and—on the remote service—a receipt that can be checked later.

## How it works

The remote deployment runs as a stateless Streamable HTTP MCP service at `https://frc-mcp.ziyetis.workers.dev`. It provides the expanded publisher implementation, including read-only tools, resources, prompts, dated rule tables, claim checking, and receipt verification. Claims can also be retrieved through HTTP endpoints for citation and verification: `/cite/<claim-id>` returns a receipted sentence in several formats, while `/verify?r=<receipt>` checks whether a quoted figure remains current.

The local npm package runs over stdio from a bundled data snapshot. It contains the original five read-only analysis tools, but not the remote rule tables, sentence gate, or receipts. The package can be launched with `npx -y frc-mcp` from an MCP client configuration.

## Setup and configuration

For the remote service, configure an MCP client with the Streamable HTTP endpoint; no installation or API key is required. The project supplies client configurations and usage instructions for Claude Desktop, Claude Code, Cursor, VS Code, Windsurf, Codex, and Gemini CLI.

A local stdio configuration can use:

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

## Tools and capabilities

The analysis tools can return national FHA statistics, compare one lender with peers, list the top 100 FHA lenders by denial rate or volume, report state-level rates and small-loan splits, and summarize the Door Effect across lenders. Additional remote tools cover metro lender gaps, loan-size penalties, denial-reason shares, conditional lender surfaces, ready-made cohorts, and rule lookups such as FHA mortgage insurance and loan-limit tables.

`check_claim_contract` evaluates proposed wording against a figure's permitted use and can return a pass, qualifier requirement, or block, along with safe wording and a receipt when applicable. `resolve_fha_annual_mip` selects an FHA mortgage-insurance value from supplied loan conditions and requests missing conditions rather than guessing. Counterparty screening tools provide a free preview; a full brief requires a license purchased by a human.

## Limitations and notes

Every FHA figure is a historical aggregate from the 2025 record. The lender analysis covers the 100 largest FHA lenders by volume, and observed differences should not be treated as individual underwriting outcomes or lender recommendations. The data is attributed to FinanceRateCalc and licensed CC BY 4.0. The local package is narrower than the remote endpoint and uses its bundled snapshot rather than the remote service's rule, receipt, and claim-checking features.

_Full upstream README: https://allmcps.com/mcp/financeratecalc-frc-mcp/readme_