A side-by-side look at the FinanceRateCalc (frc Mcp) and Xero MCP Server 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 Xero MCP Server for finance & fintech as a local process. You can also run both side by side in one mcpServers block.
get_national_fha_stats, get_lender_denial_stats, list_lenders.XERO_CLIENT_ID, XERO_CLIENT_SECRET, XERO_SCOPES, XERO_CLIENT_BEARER_TOKEN.Rows where the two servers differ are marked.
| Spec | ||
|---|---|---|
| Category | Finance & Fintech | Finance & Fintech |
| Quality signal | 81/100 · Excellent | 57/100 · Good |
| Install command | Confirmed | Confirmed |
| Transport | Local subprocess (stdio) | Local subprocess (stdio) |
| Auth | No auth required | OAuth 2.0 |
| Pricing | Free | BYOK (pay the provider) |
| Required env vars | None listed | XERO_CLIENT_IDXERO_CLIENT_SECRETXERO_SCOPESXERO_CLIENT_BEARER_TOKEN |
| Verified owner | Verified | Community listing |
| GitHub stars | 0 | 372 |
| Directory activity | 8 views 2 installs 0 upvotes | 3 views 0 installs 0 upvotes |
| Tools | 5 | Not listed |
| Full listing | View FinanceRateCalc (frc Mcp) | View Xero MCP Server |
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.No tool names declared yet. Check the project README from the listing page.
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.
{
"mcpServers": {
"financeratecalc-frc-mcp": {
"command": "npx",
"args": [
"-y",
"frc-mcp"
]
}
}
}
{
"mcpServers": {
"xeroapi-xero-mcp-server": {
"command": "npx",
"args": [
"-y",
"@xeroapi/xero-mcp-server@latest"
],
"env": {
"XERO_CLIENT_ID": "YOUR_XERO_CLIENT_ID_HERE",
"XERO_CLIENT_SECRET": "YOUR_XERO_CLIENT_SECRET_HERE",
"XERO_SCOPES": "YOUR_XERO_SCOPES_HERE",
"XERO_CLIENT_BEARER_TOKEN": "YOUR_XERO_CLIENT_BEARER_TOKEN_HERE"
}
}
}
}