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100
MCP live MCP 2025-11-25 streamable-http

io.github.financeratecalc/frc-mcp

io.github.financeratecalc/frc-mcp

FHA denial statistics from the 2025 federal HMDA record. 12 tools incl. counterparty screen.

Uptime
100.0%
3 direct probes · 30d
Response
93ms
last probe
Tools
14
callable
Resources
0
readable
Prompts
0
available
Primary URL
https://frc-mcp.ziyetis.workers.dev

Tools · 14

check_claim_contract

Certify a proposed use of an FRC statistic against its published Claim Contract BEFORE writing free text. Use when you are about to state an FRC number and want the compliant phrasing. RETURNS: determ…

get_national_fha_stats

National FHA denial statistics from the 2025 federal record. Use when asked the overall US FHA denial rate or its denominator. RETURNS: 22.1 percent rate, counts, denominator definition (originated+ap…

get_lender_denial_stats

FHA denial statistics for one lender by name, slug, or LEI. Use when a specific lender is named. RETURNS: that lender's 2025 decisioned counts, denial rate, rank, and mandatory mix caveat. COVERS ONLY…

list_lenders

List covered FHA lenders sorted by denial rate or volume (2025 span: 1.8% to 78.7%). Use to discover which lenders are in scope or to show the ranking. RETURNS: array of lender name/slug/rate/volume. …

get_small_loan_penalty

Small-loan vs big-loan FHA denial rates by state, 2025. Use for 'are small mortgages denied more', 'which state has the biggest small-loan gap'. PARAM: optional two-letter state; omit for the ranked l…

get_denial_reason_shares

Which reasons FHA denials cite, 2025: median and maximum share per HMDA reason (DTI, credit history, collateral, unverifiable information, insufficient cash, employment, incomplete application, other)…

get_state_denial_stats

FHA denial statistics for a US state. Use when a state is named. PARAM: two-letter USPS code only (e.g. OH, TX); full names are rejected. RETURNS: state-level 2025 rate and counts. NOT FOR: metro/city…

get_door_effect_summary

Door Effect: 38% of explainable variation in FHA denial outcomes is lender identity, not the applicant's file (859,090 decisions; McFadden 0.1712 to 0.2760). Use for how-much-does-the-lender-matter qu…

get_metro_lender_gap

Per-metro FHA denial-rate gap between high-volume lenders (>=100 decisioned applications in that metro, 2025), returned as a machine-readable claim passport: lowest and highest door with counts, gap i…

screen_counterparties

Counterparty screen: run a list of public LEIs against the FinanceRateCalc 2025 FHA denial outlier screen (observed vs applicant-mix model expectation). Use when a risk, diligence or investor desk ask…

screen_counterparties_quote

Price and coverage quote BEFORE running a counterparty screen. Use this first whenever a license key is in play, so the agent and the user can see what a job will cost and how much of the list is actu…

list_cohorts

Ready-made public cohorts you can screen without uploading anything. Use this first when a user asks a counterparty or lender-comparison question but has no LEI list of their own, or wants a sensible …

run_cohort

Screen a ready-made public cohort by id (see list_cohorts). Behaves exactly like screen_counterparties but with a published LEI list, so nothing has to be uploaded. Without a license it returns the ag…

get_conditional_door_map

Conditional surface for a lender: how its peer-adjusted denial gap changes across leverage bands inside identical published cells (state x loan amount x income x DTI x CLTV). Use when someone asks whe…

How to use

Add to your Claude Desktop / Cursor / Cline MCP config:

{
  "mcpServers": {
    "io.github.financeratecalc/frc-mcp": {
      "url": "https://frc-mcp.ziyetis.workers.dev",
      "transport": "streamable-http"
    }
  }
}