In-depth architectural comparison of the Asset register and FinanceRateCalc (frc Mcp) MCP servers. Compare execution transports, security boundaries, tool capabilities, quality scores, and ready-to-paste client installation snippets for Claude, Cursor, Windsurf, and VS Code.
At a Glance & Executive Verdict
Asset register
Finance & Fintech · Local stdio
Quality: 51/100 (Good) | Auth: No auth required
FinanceRateCalc (frc Mcp)
Finance & Fintech · Local stdio
Quality: 82/100 (Excellent) | Auth: No auth required
Verdict Summary: Choose Asset register if you need specialized Finance & Fintech tools running via a local process. Choose FinanceRateCalc (frc Mcp) if your workspace requires Finance & Fintech integration with local subprocess execution. Both servers can be configured concurrently in your client's mcpServers manifest.
Which MCP Server Should You Choose?
A
Choose Asset register when:
You need dedicated capabilities in the Finance & Fintech domain.
You prefer local stdio subprocess transport architecture.
Your security boundary fits: No auth required (Free / Open Source).
Fixed assets and depreciation on bundled Polish KST, HMRC and IRS MACRS tables.
MCP server for FinanceRateCalc — query lender-level FHA denial statistics from the complete 2025 federal HMDA record. Historical observations, never individual predictions.
Category & Scope
Tools & Capabilities Breakdown
Asset register Tools (9)
asset_add
Add one asset to the register. The rate, the useful life and the convention come from the bundled table; both can be overridden.
asset_list
The register with cost, accumulated depreciation and net book value at a date, totalled per currency.
asset_schedule
The full schedule for a stored asset or for one you are only pricing, per year or per month, down to zero or the residual.
asset_journal
One month's journal: debit depreciation expense, credit accumulated depreciation, per asset and in total, plus an `expense_add` payload.
asset_dispose
Record a sale, a scrapping or a write-off and get the gain or loss against net book value at that date.
Ready-to-Paste Client Configurations
Paste either (or both) of these JSON server blocks into your client config file (e.g. claude_desktop_config.json or ~/.cursor/mcp.json).
Asset register is categorized under Finance & Fintech and uses a local stdio subprocess. In contrast, FinanceRateCalc (frc Mcp) belongs to Finance & Fintech using local stdio subprocess. Select Asset register when you need capabilities focused on finance & fintech and FinanceRateCalc (frc Mcp) when you require tools for finance & fintech.
Remove an asset nothing depends on, and get its free-tier slot back. An asset that has been disposed of or journaled is refused, with the dependent named.
asset_report
Net book value by category and currency, the year's charge, and every disposal in the year with its result.
license_status
Free or Pro, and where to upgrade.
license_activate
Activate a Pro key. Verified offline.
FinanceRateCalc (frc Mcp) Tools (5)
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.