In-depth architectural comparison of the Swarm0x and FinanceRateCalc (frc 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
Swarm0x
Finance & Fintech · Local stdio
Quality: 26/100 (Emerging) | Auth: No auth required
FinanceRateCalc (frc Mcp)
Finance & Fintech · Local stdio
Quality: 82/100 (Excellent) | Auth: No auth required
Verdict Summary: Choose Swarm0x if you need specialized Finance & Fintech tools running via a local process. Choose FinanceRateCalc (frc 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?
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Choose Swarm0x 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).
Run before you buy on Robinhood Chain: a simulated buy and sell, plus trades your own wallet signs.
MCP server for FinanceRateCalc — query lender-level FHA denial statistics from the complete 2025 federal HMDA record. Historical observations, never individual predictions.
Category & Scope
Tools & Capabilities Breakdown
Swarm0x Tools (0)
No explicit tool names declared in metadata yet. Check project README on main listing page.
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).
Swarm0x is categorized under Finance & Fintech and uses a local stdio subprocess. In contrast, FinanceRateCalc (frc Mcp) belongs to Finance & Fintech using local stdio subprocess. Select Swarm0x when you need capabilities focused on finance & fintech and FinanceRateCalc (frc 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.