MCP server

Frc

io.github.financeratecalc/frc-mcp

Checked 26 Oct 2026, 08:29 UTC · Connected to it and listed its tools

2025 HMDA FHA denial statistics and dated US mortgage rule tables, with receipts you can verify.

Website Source

At a glance

Type

MCP server

Publisher

Not verified

Status

Working at last check

Tools

16

Token cost

About 4,681 tokens per request

Sets up in

Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok

Last checked

26 Oct 2026, 08:29 UTC

Connect it to your agent

Add to CursorAdd to VS CodeVS Code Insiders

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

claude mcp add --transport http frc-mcp https://frc-mcp.ziyetis.workers.dev

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

[mcp_servers.frc-mcp]
url = "https://frc-mcp.ziyetis.workers.dev"

Gemini CLI

{"mcpServers":{"frc-mcp":{"httpUrl":"https://frc-mcp.ziyetis.workers.dev"}}}

Cursor

{"mcpServers":{"frc-mcp":{"url":"https://frc-mcp.ziyetis.workers.dev"}}}

VS Code

{"servers":{"frc-mcp":{"type":"http","url":"https://frc-mcp.ziyetis.workers.dev"}}}

Antigravity

agy mcp add frc-mcp https://frc-mcp.ziyetis.workers.dev

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"frc-mcp","server_url":"https://frc-mcp.ziyetis.workers.dev","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"frc-mcp","server_url":"https://frc-mcp.ziyetis.workers.dev"}

Tools

• check_claim_contract ~734 tokens
  Checks a proposed statement of a FinanceRateCalc figure against that figure's published use contract, so the sentence can be verified before it is written. Two input modes. (A) Flags: claim id plus the use you propose (population, period, scope, cause, individual prediction, lender recommendation, l
• get_conditional_door_map ~240 tokens
  ANSWERS: "does this lender's strictness depend on loan size or leverage", "where is <lender> hardest", "is the gap the same across the market". PARAM: lender name or slug. Returns how that lender's peer-adjusted denial gap changes across published cells (state x loan amount x income x DTI x CLTV), w
• get_denial_reason_shares ~262 tokens
  ANSWERS: "why are FHA loans denied", "what is the most common denial reason", "which lender cites incomplete applications most", "how often is debt-to-income the reason". PARAM: optional lender; omit for cross-lender medians. Returns median and maximum share of each HMDA denial reason across the 95
• get_door_effect_summary ~248 tokens
  ANSWERS: "does it matter which lender you apply to", "how much of a denial is the lender rather than the borrower", "what is the Door Effect". Returns the variance decomposition: lender identity is associated with about 38 percent of the explainable variation in FHA denial outcomes across 859,090 de
• get_lender_denial_stats ~248 tokens
  ANSWERS: "what is <lender>'s FHA denial rate", "does <lender> reject a lot of FHA applications", "how strict is <lender>", "how does <lender> compare". PARAM: lender name, slug or LEI. Returns that lender's 2025 decisioned volume, denial rate, rank among the 100 largest FHA lenders, and the applican
• get_metro_lender_gap ~274 tokens
  ANSWERS: "do lenders differ within one city", "what is the FHA denial gap in <metro>", "which lender is strictest in <metro>", "how much does the lender matter locally". PARAM: metro name or slug. Returns a claim passport for that metro: lowest and highest lender denial rates among lenders with at l
• get_national_fha_stats ~306 tokens
  ANSWERS: "how often are FHA loans denied", "what is the FHA denial rate", "what share of FHA applications are rejected", "how many were denied in 2025". Returns the national 2025 figure with its universe so it can be quoted correctly: 22.1 percent, 262,250 denials of 1,187,606 applications that reac
• get_rule ~228 tokens
  ANSWERS: "what is the current FHA loan limit", "what are the 2026 HOEPA / QM thresholds", "what is the VA funding fee table", "which FHA MIP table is in force". PARAM: rule_id (from the index) or omit to list every published rule. Returns the machine-readable rule: cells, effective dates, issuer doc
• get_small_loan_penalty ~260 tokens
  ANSWERS: "are small mortgages denied more often", "is it harder to get a small FHA loan", "which state punishes small loans most", "does loan size affect denial". PARAM: optional two-letter state; omit for the ranked list. Returns denial rates under $150K and over $250K, the ratio, the ranking and a
• get_state_denial_stats ~214 tokens
  ANSWERS: "what is the FHA denial rate in <state>", "is it harder to get an FHA loan in <state>", "how does <state> compare with the national rate". PARAM: two-letter USPS code only (OH, TX); full names are rejected. Returns the state 2025 rate and counts against the national 22.1 percent. NOT FOR: m
• list_cohorts ~158 tokens
  ANSWERS: "can I screen a group of lenders", "what ready-made lender groups can I run", "show me an example screen". Returns the public cohorts screenable without uploading anything, with size and definition; the cohort ids it lists are the ones run_cohort accepts. Historical observation computed fro
• list_lenders ~234 tokens
  ANSWERS: "which FHA lender denies the most or the fewest", "rank FHA lenders by denial rate", "which lenders are covered", "how wide is the spread". Returns the ranked list of the 100 largest FHA lenders with name, slug, rate and volume; the 2025 span runs 1.8 to 78.7 percent inside the same federal
• resolve_fha_annual_mip ~326 tokens
  ANSWERS: "what is the FHA annual MIP for a $300,000 loan at 85% LTV over 15 years", "what MIP rate applies to my FHA case". PARAMS: base_loan_amount (USD), ltv_pct (e.g. 96.5), term_years, case_number_date (YYYY-MM-DD). Resolves the exact cell of HUD Mortgagee Letter 2023-05 and returns the annual r
• run_cohort ~298 tokens
  ANSWERS: "run the screen on <cohort>", "how do these lenders compare against expectation". PARAM: cohort id from list_cohorts. Returns the peer-adjusted screen: observed versus expected denial rate, coverage flags, method version. Free preview; the full Evidence Brief needs a licence a human buys on
• screen_counterparties ~420 tokens
  ANSWERS: "run my list of lenders through the federal record", "screen these LEIs", "which of my counterparties deny more than their applicant mix predicts". PARAM: a list of public LEIs. Returns per-entity observed versus expected FHA denial rates, coverage flags, method version and an evidence mani
• screen_counterparties_quote ~231 tokens
  ANSWERS: "what would it cost to screen this list", "how many of my LEIs are covered". PARAM: a list of public LEIs. Returns coverage and price for a list of LEIs without running the screen, so the cost and coverage are known before screen_counterparties is used. Historical observation computed from

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