FinanceRateCalc (frc Mcp)

What FinanceRateCalc (frc-mcp) MCP server does

FinanceRateCalc (frc-mcp) MCP server lets an MCP client query lender-level FHA denial statistics derived from the public CFPB HMDA 2025 record. The dataset covers 1,217,297 credit decisions in the complete federal record. FHA calculations use loan type 2 and actions 1, 2, and 3 as the denominator.

The service is designed for historical analysis. It does not accept borrower details, estimate the outcome of an individual application, or recommend choosing or avoiding a lender. Figures are attributed to FinanceRateCalc and financeratecalc.com under CC BY 4.0.

How it works

An agent calls one of the exposed MCP tools and receives statistics calculated from the 2025 HMDA data. Lender lookups can use a lender name, slug, or LEI. Coverage includes the top 100 FHA lenders by volume. Lender results can include the observed denial rate, a peer-median comparison, and a mix-adjusted expected rate.

State queries use a two-letter US state code and can include the published difference between small-loan and large-loan denial rates. National results report denial rates for decisioned FHA applications and application volumes. The Door Effect analysis decomposes variation across 859,090 FHA decisions and reports lender tables adjusted for applicant mix, including the strictest and most lenient groups.

Setup and configuration

FinanceRateCalc (frc-mcp) MCP server can be used through a hosted Streamable HTTP endpoint:

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

For a local MCP host such as Claude Desktop, run the published package with npx:

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

No API key or environment variable is specified in the provided setup instructions.

Tools and capabilities

• get_national_fha_stats: Returns national FHA denial rates and volumes from the 2025 record.
• get_lender_denial_stats: Looks up one lender and returns observed, peer-median, and mix-adjusted statistics.
• list_lenders: Lists covered FHA lenders ordered by denial rate or volume.
• get_state_denial_stats: Reports FHA statistics for a US state and, where available, the small-loan versus large-loan gap.
• get_door_effect_summary: Summarizes lender-related variation and supplies mix-adjusted strictest and most-lenient lender tables.

Limitations and notes

FinanceRateCalc (frc-mcp) MCP server reports historical observations from the 2025 federal HMDA record. Its figures should not be treated as predictions for a borrower or as evidence that a lender will approve or deny a particular application. The lender listing is limited to the top 100 FHA lenders by volume, and some state loan-size comparisons may not be published.

The README identifies the data license as CC BY 4.0, with attribution to financeratecalc.com. Methodology information is provided at FinanceRateCalc's website and in SSRN paper 7156938.