frc-mcp — FinanceRateCalc MCP Server

Query lender-level FHA denial statistics from the complete 2025 federal HMDA record (1,187,606 credit decisions, reverse mortgages excluded) directly from an AI agent.

Tools (remote endpoint, v1.7.0): check_claim_contract · get_national_fha_stats · get_lender_denial_stats · list_lenders · get_state_denial_stats · get_door_effect_summary · get_metro_lender_gap · screen_counterparties · screen_counterparties_quote · list_cohorts · run_cohort · get_conditional_door_map

The npm/stdio package exposes the original five read-only tools; the remote endpoint at https://frc-mcp.ziyetis.workers.dev carries all twelve. Paid tools return a free preview; a full Evidence Brief needs a license bought by a human — the agent only relays the offer.

The red line: every figure is a historical aggregate. This server will never accept borrower details or return individual approval predictions.

Remote (no install)

Streamable HTTP endpoint — connect any MCP client directly:

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

Install (Claude Desktop / any MCP host)

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

Data: CC BY 4.0, attribution to financeratecalc.com. Source of truth: public CFPB HMDA 2025 (loan_type 2; actions 1,2,3). Methodology: https://financeratecalc.com/about.html and SSRN 7156938.