FinanceRateCalc (frc Mcp) vs Philidor DeFi Vault Risk Analytics

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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.

search_vaults

Search and filter DeFi vaults by chain, protocol, asset, risk tier, TVL, and more.

get_vault

Get detailed information about a specific vault including risk breakdown, recent events, and historical snapshots. Lookup by `id` or by `network` + `address`.

get_vault_risk_breakdown

Detailed breakdown of a vault's three risk vectors with sub-metrics: asset quality, platform code maturity, and governance controls. Returns dimension-level scores, caps, hard-fail flags, and overrides.

compare_vaults

Side-by-side comparison of 2–3 vaults on TVL, APR, risk score, risk tier, and audit status.

find_safest_vaults

Find the top 10 audited, high-confidence vaults sorted by risk score.

get_protocol_info

Protocol details including TVL, vault count, versions, auditors, bug bounties, and security incidents.