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Frc MCP

by financeratecalcversion 1.44.0i★ –iComputer or cloud
Registry nameio.github.financeratecalc/frc-mcp

Install

Overview

Description from the maker (original English)

2025 HMDA FHA denial statistics and dated US mortgage rule tables, with verifiable receipts.

PopNx MCP’s three pillars

These three are never merged into one score: opinions, measurements and popularity are different things.

What you can do with it

We have not written a plain-language summary for this one yet. Below are the facts we read from the registry.

Install

Pick the AI app you use, then copy the settings.

Before you install

  • Basic checks: 3 of 3 passed
  • Runs on the maker’s server: what you ask it goes through their server.
  • Can do 17 things (tools) check_claim_contract, get_national_fha_stats, get_lender_denial_stats, get_application_outcomes …
  • The registry lists no key to fill in.

You need

  • Runs in the cloudNothing to install; it connects over the internet
  • npmNode.js installed (for the npx command)

Which app do you use?

Pick your app above. We remember it, so next time the button says “Install in …”.

Works in Claude on the web, desktop and mobile:

  1. Open Settings → Connectors
  2. Press Add custom connector
  3. Paste the address below and press Add
  4. If it asks you to sign in, sign in with the maker
SettingsConnectors1+ Add2https://…3
https://frc-mcp.ziyetis.workers.dev

Or run it on your computer

Open Claude Desktop → Settings → Developer → Edit Config, and paste this into claude_desktop_config.json

{
  "mcpServers": {
    "frc": {
      "command": "npx",
      "args": [
        "-y",
        "frc-mcp"
      ]
    }
  }
}

Run this in your terminal

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

Or run it on your computer

claude mcp add frc -- npx -y frc-mcp

Open in Cursor

Or copy the settings yourself

Paste into .cursor/mcp.json in your project, or ~/.cursor/mcp.json

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

Or run it on your computer

Open in Cursor

Or copy the settings yourself

Paste into .cursor/mcp.json in your project, or ~/.cursor/mcp.json

{
  "mcpServers": {
    "frc": {
      "command": "npx",
      "args": [
        "-y",
        "frc-mcp"
      ]
    }
  }
}

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

Open in VS Code

Or copy the settings yourself

Paste into .vscode/mcp.json in your project

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

Or run it on your computer

Open in VS Code

Or copy the settings yourself

Paste into .vscode/mcp.json in your project

{
  "servers": {
    "frc": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "frc-mcp"
      ]
    }
  }
}

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

ChatGPT connects only to servers on the internet:

  1. Open ChatGPT on the web → Settings → Connectors (Apps)
  2. Press Create or Add (some plans need Developer mode under Advanced first)
  3. Paste the address below, give it a name and save
  4. If it asks you to sign in, sign in with the maker
SettingsConnectors1+ Create2https://…3
https://frc-mcp.ziyetis.workers.dev

Menu names can differ slightly by plan and over time.

Your choice stays on this device in a cookie; no account needed.

These settings are generated from the maker’s registry entry. If the README says otherwise, follow the README.

What it can do

Tool names and descriptions exactly as the server reported them on Nov 7, 2026. The maker wrote them, not us; we show them as plain text.

  • check_claim_contract

    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, lend

  • get_national_fha_stats

    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 ap

  • get_lender_denial_stats

    ANSWERS: "what is 's FHA denial rate", "does reject a lot of FHA applications", "how strict is ", "how does 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 applicant-mix caveat a

  • get_application_outcomes

    ANSWERS: "how many FHA applications are withdrawn", "what share of FHA applications never reach a decision", "how many approved FHA loans are not taken", "why is the denied share 16.8% here and the denial rate 22.1% there", "where do 's FHA applications end". Returns the five HMD

  • list_lenders

    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 ins

  • get_small_loan_penalty

    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 rati

  • get_denial_reason_shares

    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 r

  • get_state_denial_stats

    ANSWERS: "what is the FHA denial rate in ", "is it harder to get an FHA loan in ", "how does 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: met

  • get_door_effect_summary

    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 outcom

  • get_metro_lender_gap

    ANSWERS: "do lenders differ within one city", "what is the FHA denial gap in ", "which lender is strictest in ", "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 wit

  • screen_counterparties

    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

  • screen_counterparties_quote

    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 observ

  • list_cohorts

    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 obse

  • run_cohort

    ANSWERS: "run the screen on ", "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 h

  • get_conditional_door_map

    ANSWERS: "does this lender's strictness depend on loan size or leverage", "where is 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

  • get_rule

    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, effecti

  • resolve_fha_annual_mip

    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

Basic checksi

We check information anyone can see; we have not read the code. Checks that do not apply are left out of the count. · Checked Nov 9, 2026

  • ✓ Pass

    Maker matches the repo

    The registry name was verified with the GitHub account financeratecalc, which owns the repo

  • … Not checked yet

    Still maintained

    We have not read this repo from GitHub yet

  • … Not checked yet

    Has a licence

    We have not read this repo from GitHub yet

  • ✓ Pass

    Endpoint responds

    Responded in 126 ms (HTTP 200)

  • – Not applicable

    Sign-in with OAuth

    No sign-in needed

  • ✓ Pass

    No hidden instructions in tool descriptions

    Read 17 tool descriptions and found no hidden instructions to the AI

Compared with others in Databases & datasetsi

  • More stars than 0% of the other 1152 servers in this category
  • Published to the registry more recently than 93% of the other 1152 servers in this category
  • Basic checks equal to or better than 100% of the other 1152 servers in this category

Compared with every active server in this category in the registry. Stars count only when the publisher owns the repo.

Common questions

Is Frc MCP safe?

It passed 3 of 3 applicable basic checks. We have not read the code. Before adding a key or token, see what access the server asks for and use a key with only the permissions you need.

What keys or codes does it need?

The registry does not list a required key, though some servers ask you to sign in on first use.

Does it run on my computer or in the cloud?

Either way works: install it on your computer or connect to the cloud version.

Is it still maintained?

The GitHub repo last changed –, and the latest version (1.44.0) reached the registry 3 days ago.

Which apps can use it?

Apps that support MCP, such as Claude Desktop, Claude Code, Cursor and VS Code. It connects by URL, so apps that accept remote MCP servers work too, such as ChatGPT in developer mode.

What can I use instead?

In the same category: Supabase, MongoDB MCP Server, Elasticsearch MCP Server

Alternatives

Servers in the same category from other makers, sorted by stars.

Reading a card:↓ Downloads per weeki★ GitHub starsiThree pillars: reviews · checks · usageiUpdated = latest version published to the registryi

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by supabaseWidely used↓ 235.4K/wk★ 3KUpdated 2 days ago

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MongoDB MCP Server

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Elasticsearch MCP Server

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Runs on your computer

README from the maker

Open the README

Copied from the maker’s repo as written. PopNx MCP has not reviewed or endorsed it. HTML, images and scripts are removed. Links lead off this site.

frc-mcp — FinanceRateCalc MCP Server

Read-only statistics over the complete 2025 US HMDA mortgage record (1,187,606 FHA credit decisions, reverse mortgages excluded) plus dated, machine-readable US mortgage rule tables, served to AI agents over MCP. Every figure returns with its period, population and program scope, a use contract, and a receipt that can be verified later.

The red line: every figure is a historical aggregate. This server never accepts borrower details and never returns an individual approval prediction.

Remote endpoint (no install, no key)

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

Streamable HTTP, stateless. MCP protocol revisions 2026-07-28, 2025-11-25, 2025-06-18, 2025-03-26. Server version 1.44.0 (tools, resources and prompts; A2A agent card at /.well-known/agent-card.json; a citation envelope on every figure-bearing result; every claim document carries a keyless CFPB Data Browser reproduce query). Listed in the official MCP registry as io.github.financeratecalc/frc-mcp.

Client configs (Claude Desktop, Claude Code, Cursor, VS Code, Windsurf, Codex, Gemini CLI), an instruction block for CLAUDE.md / AGENTS.md, and a first task to try: https://financeratecalc.com/use-frc.html

Tools (remote endpoint, 17)

ToolWhat it answers
check_claim_contractChecks a sentence you intend to write against the figure's use contract; fixed patterns, no model. Returns pass / needs_qualifier / block, a safe wording, and a receipt on pass. Also checks sentences against the five rule tables, binding each figure to the role named in its clause.
get_national_fha_stats2025 national FHA denial rate with its universe.
get_lender_denial_statsOne of the 100 largest FHA lenders: volume, denial rate, rank, applicant-mix caveat.
list_lendersThe 100 largest FHA lenders ranked by denial rate or volume.
get_state_denial_statsState FHA denial rate and small-loan split.
get_metro_lender_gapWithin one metro, the spread between the highest- and lowest-denying high-volume lenders.
get_small_loan_penaltyDenial rate under $150K vs over $250K, by state.
get_denial_reason_sharesMedian and maximum share of each HMDA denial reason across the top-100 lenders.
get_door_effect_summaryLender identity's share of explained variation in 2025 FHA denials.
get_application_outcomesWhere FHA applications end: originated, approved-not-accepted, denied, withdrawn, closed-incomplete as shares of applications acted on, nationally or for one lender, with the reconciliation to the decisioned denial rate.
get_conditional_door_mapPer-lender conditional surface with its robustness record.
list_cohorts / run_cohortReady-made public cohorts; no upload needed.
get_ruleOne of five dated rule tables: FHA annual MIP (ML 2023-05), FHA forward loan limits 2026, FHFA conforming limits 2026, CFPB HOEPA/QM thresholds 2026, VA funding fee.
resolve_fha_annual_mipThe MIP cell for a stated term, base loan amount and LTV; asks for a missing condition instead of guessing it.
screen_counterparties / screen_counterparties_quoteCounterparty screen; free preview, full brief needs a licence bought by a human. The agent only relays the offer.

Plain HTTP beside MCP: GET /server-card, GET /cite/ (receipted sentence in text, Markdown, HTML and BibTeX), GET /verify?r= (is this figure still current; if not, which correction superseded it).

Receipts

A figure travels with a receipt such as ⟦FRC:national-fha-denial-rate-2025:22.1%:ebf6b00b:m2610⟧: claim id, value, the first eight hex characters of a hash of the claim object, and the channel and month it was issued through. /verify answers current, stale (corrected since; the correction is returned), hash-current-value-mismatch (the quoted value was edited) or unrecognized (this publisher never issued it). Conformance runs on every deploy and is published: https://financeratecalc.com/conformance.html

Local stdio package (npm)

The frc-mcp npm package is the original five read-only tools from a bundled data snapshot; it does not carry the rule tables, the sentence gate or receipts. Prefer the remote endpoint.

{

"mcpServers": { "financeratecalc": { "command": "npx", "args": ["-y", "frc-mcp"] } } }

Source

The remote server's source of record is worker/index.js in https://github.com/financeratecalc/financeratecalc.github.io, deployed to Cloudflare Workers on every change to that file. remote/worker.js in this repository is an early (five-tool) copy kept for reference.

Data: CC BY 4.0, attribution to financeratecalc.com. Source of truth: public CFPB HMDA 2025 (loan_type 2; actions 1, 2, 3; denial = action 3). Method: https://financeratecalc.com/methodology.html · corrections log: https://financeratecalc.com/corrections.html · SSRN 7156938. No lender recommendations, no individual predictions, no lender pays for placement.

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