FinanceRateCalc (frc Mcp) vs Ref Tools Ref Tools MCP
A side-by-side look at the FinanceRateCalc (frc Mcp) and Ref Tools Ref Tools MCP MCP servers: transport, auth, tools, quality signals, and the config to install either one in Claude, Cursor, Windsurf or VS Code.
Verdict: choose FinanceRateCalc (frc Mcp) for finance & fintech work as a local process; choose Ref Tools Ref Tools MCP for finance & fintech as a local process. You can also run both side by side in one mcpServers block.
Which MCP server should you choose?
Choose FinanceRateCalc (frc Mcp) when
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer a local stdio subprocess transport.
- Its auth model fits you: No auth required.
- You want tools like
get_national_fha_stats, get_lender_denial_stats, list_lenders.
Choose Ref Tools Ref Tools MCP when
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer a local stdio subprocess transport.
- You have the keys it needs:
REF_API_KEY. - You want tools like
query, url.
Feature & specification comparison
Rows where the two servers differ are marked.
| Spec | ||
|---|---|---|
| Category | Finance & Fintech | Finance & Fintech |
| Quality signal | 82/100 · Excellent | 63/100 · Good |
| Install command | Confirmed | Confirmed |
| Transport | Local subprocess (stdio) | Local subprocess (stdio) |
| Auth | No auth required | Not declared |
| Pricing | Free | Not declared |
| Required env vars | None listed | REF_API_KEY |
| Verified owner | Verified | Community listing |
| GitHub stars | 0 | 1,183 |
| Directory activity | 10 views 2 installs 0 upvotes | 2 views 0 installs 0 upvotes |
| Tools | 5 | 2 |
| Full listing | View FinanceRateCalc (frc Mcp) | View Ref Tools Ref Tools MCP |
Tools & capabilities
FinanceRateCalc (frc Mcp) tools 5
get_national_fha_statsNational 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_statsFHA 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_lendersList 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_statsFHA 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_summaryThe 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.
Ref Tools Ref Tools MCP tools 2
queryurl
Ready-to-paste client configs
Paste either block (or both) into your client config, e.g. claude_desktop_config.json or ~/.cursor/mcp.json. We only show a config when the install command is confirmed.
FinanceRateCalc (frc Mcp)
{
"mcpServers": {
"financeratecalc-frc-mcp": {
"command": "npx",
"args": [
"-y",
"frc-mcp"
]
}
}
}
Ref Tools Ref Tools MCP
{
"mcpServers": {
"ref-tools-ref-tools-mcp": {
"command": "npx",
"args": [
"ref-tools-mcp@latest"
],
"env": {
"REF_API_KEY": "YOUR_REF_API_KEY_HERE"
}
}
}
}
Frequently asked questions
FinanceRateCalc (frc Mcp) is categorized under Finance & Fintech and uses a local stdio subprocess. Ref Tools Ref Tools MCP belongs to Finance & Fintech and uses a local stdio subprocess. Pick FinanceRateCalc (frc Mcp) for finance & fintech work and Ref Tools Ref Tools MCP for finance & fintech.
Copy the mcpServers block from the config section on this page into your client's config (for example claude_desktop_config.json or ~/.cursor/mcp.json), then fully restart the client.
FinanceRateCalc (frc Mcp) is listed as free. Auth: no auth required. Ref Tools Ref Tools MCP has no declared pricing — check the project's own site. If a server needs environment variables such as API keys, define them under the env key in your client's MCP config.
Yes. MCP clients support multiple servers: add financeratecalc-frc-mcp and ref-tools-ref-tools-mcp as separate keys in the same mcpServers object, and your assistant will call tools from either one.
On AllMCPs, FinanceRateCalc (frc Mcp) has a quality signal of 82/100 (Excellent) with 10 views, 2 installs and 0 GitHub stars. Ref Tools Ref Tools MCP has 63/100 (Good) with 2 views, 0 installs and 1,183 GitHub stars.