In-depth architectural comparison of the FinanceRateCalc (frc Mcp) and Licinexus 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
FinanceRateCalc (frc Mcp)
Finance & Fintech · Local stdio
Quality: 83/100 (Excellent) | Auth: No auth required
Licinexus MCP
Finance & Fintech · Local stdio
Quality: 67/100 (Great) | Auth: No auth required
Verdict Summary: Choose FinanceRateCalc (frc Mcp) if you need specialized Finance & Fintech tools running via a local process. Choose Licinexus 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?
Choose FinanceRateCalc (frc Mcp) 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).
MCP server for FinanceRateCalc — query lender-level FHA denial statistics from the complete 2025 federal HMDA record. Historical observations, never individual predictions.
Brazilian public procurement (PNCP) and Federal Revenue CNPJ data — 16 tools, 4 prompts.
Category & Scope
Tools & Capabilities Breakdown
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.
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).
FinanceRateCalc (frc Mcp) is categorized under Finance & Fintech and uses a local stdio subprocess. In contrast, Licinexus MCP belongs to Finance & Fintech using local stdio subprocess. Select FinanceRateCalc (frc Mcp) when you need capabilities focused on finance & fintech and Licinexus MCP when you require tools for finance & fintech.
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.
Licinexus MCP Tools (18)
search_licitacoes
Search Brazilian public procurement bids (licitações) on PNCP.
PNCP requires a date range and at least one modality code per query. If you do not specify, defaults are: last 7 days and modalities [6, 8, 9] (Pregão Eletrônico, Dispensa, Inexigibilidade — most common).
Maximum date range per query: 365 days (PNCP limit). Wider windows return HTTP 422. For multi-year searches, issue multiple calls with date windows of <= 365 days each.
Modality codes:
1 = Leilão - Eletrônico
2 = Diálogo Competitivo
3 = Concurso
4 = Concorrência - Eletrônica
5 = Concorrência - Presencial
6 = Pregão - Eletrônico
7 = Pregão - Presencial
8 = Dispensa de Licitação
9 = Inexigibilidade
10 = Manifestação de Interesse
11 = Pré-qualificação
12 = Credenciamento
13 = Leilão - Presencial
Filters palavraChave, valorMinimo, valorMaximo are applied client-side over the page returned by PNCP.
get_licitacao
Get the full details of a single licitação (procurement bid) on PNCP. Provide either numeroControlePNCP (the full PNCP control number string) or all three of orgaoCnpj, ano, sequencial.
list_licitacao_itens
List the items (lots) of a licitação on PNCP. Each item has description, quantity, unit, estimated unit value and category. Provide either numeroControlePNCP, or orgaoCnpj/ano/sequencial.
list_licitacao_resultados
List the bidding results (winners, runners-up, prices, suppliers) for a specific item of a licitação. You must specify which item — use list_licitacao_itens first to discover item numbers.
list_licitacao_arquivos
List the files (edital PDFs, attachments, terms of reference) attached to a licitação on PNCP. Returns metadata and direct URLs — does not download the file content.
search_contratos
Search public procurement contracts (contratos) on PNCP. Useful for analyzing market history, supplier behavior, and agency spending patterns. Defaults to last 30 days when no date range is provided. Maximum date range per query: 365 days (PNCP limit); wider windows return HTTP 422. For multi-year searches, issue multiple calls.
get_contrato
Get the full details of a public contract on PNCP. Provide either numeroControlePNCP or orgaoCnpj/ano/sequencial.
list_contrato_termos
List the additive terms (termos aditivos) of a contract — extensions, value increases/reductions, term changes. Useful to understand contract evolution.
list_contrato_instrumentos
List billing instruments (NFes, faturas) attached to a contract. Reveals real execution: when payments were due, NFe keys, etc.
search_atas_rp
Search Atas de Registro de Preço (price-registry agreements) on PNCP. ARPs are pre-negotiated agreements that any compatible agency can use within the validity period — finding ones still in vigor with available balance is a key business opportunity. Defaults: last 90 days, only active (somenteVigentes=true). Maximum date range per query: 365 days (PNCP limit); wider windows return HTTP 422.
get_ata_rp
Get the full details of an Ata de Registro de Preço, optionally including its items (with available balance and supplier info) and attached files. Use orgaoCnpj/anoCompra/sequencialCompra (the parent procurement) and sequencialAta (the ARP within that procurement).
get_orgao
Get a public agency's profile from PNCP: legal name, branch of government (poder), federal/state/municipal level (esfera), legal nature, address.