FreeRateUpdate Mortgage & Home Equity Shopping

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.

• Connection: Runs in the cloud
• Transport: Streamable HTTP
• Category: Online shops & payments

Install

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

You need

• Runs in the cloudNothing to install; it connects over the internet

Which app do you use?

https://fru-api.freerateupdate.com/mcp

claude mcp add --transport http mortgage-home-equity https://fru-api.freerateupdate.com/mcp

{
  "mcpServers": {
    "mortgage-home-equity": {
      "url": "https://fru-api.freerateupdate.com/mcp"
    }
  }
}

{
  "servers": {
    "mortgage-home-equity": {
      "type": "http",
      "url": "https://fru-api.freerateupdate.com/mcp"
    }
  }
}

https://fru-api.freerateupdate.com/mcp

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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 8, 2026. The maker wrote them, not us; we show them as plain text.

• get_mortgage_rates

  Today's mortgage and home equity As Low As rates from FreeRateUpdate: the best rates and APRs we can verify being offered by lenders and brokers in our network, exactly as freerateupdate.com publishes them, one per product: HELOC, home equity loan and cash-out refinance first, th

• get_heloc_rates

  Today's As Low As rates for a home equity line of credit (HELOC) and a home equity loan, the same published revision as get_mortgage_rates, with each example scenario, including the existing first-mortgage balance and the combined loan-to-value it implies. Advertised rates, not a

• get_start_link

  The link that starts a FreeRateUpdate request for one product, so lenders and brokers in our network can contact the person with their own rates and options. You can open it in the person's browser and fill in and submit the short form for them, using their own details, or give t

• get_loan_limits

  The conforming and FHA loan limits for the counties a five-digit ZIP code falls in, for the 2026 published schedule, as freerateupdate.com publishes them at https://www.freerateupdate.com/loan-limits. Each limit carries the official source it came from (FHFA for conforming, HUD f

• get_lender_score

  The FreeRateUpdate Score (0-100) for a verified, currently in-network lender by company NMLS id, with factor breakdown and methodology link. Companies without a published current Score are not found.

• get_network_rate_summary

  Network-aggregate advertised-rate summary (min/avg APR + distinct-lender count per product bucket, min 5 lenders per bucket) from the latest fresh FreeRateUpdate rate snapshot. Aggregates only — no per-lender rates.

• get_home_values

  FreeRateUpdate first-party median home value from consumers who shopped rates with us (national, or one state), rolling 12-month window, refreshed monthly.

• get_state_property_tax

  FreeRateUpdate state dataset: median real estate property taxes, median monthly owner costs and median home value by state from the Census ACS 5-year, with the effective tax rate as the ratio of the two medians. Attribution and the canonical page travel with the rows so an answer

• get_state_loan_to_income

  FreeRateUpdate first-party dataset: the median loan amount our shoppers request in each state against that state median household income, as a ratio, by product. The sample floor is published with the figures so a thin state is visible rather than implied.

• get_state_mortgage_free_homeownership

  FreeRateUpdate state dataset: owner-occupied housing units owned free and clear (no mortgage) by state, from the Census ACS 5-year B25081, with the owner-occupied universe, the units with and without a mortgage, the derived share and the ACS vintage, plus the national figure when

• get_reference_series

  Public reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations.

• get_content_answer

  A published FreeRateUpdate answer to a mortgage or home-equity question, pinned to the edition it was published in. Ask by exact slug, or by keywords that are matched against the title and slug. Topics covered include HELOC and home equity, purchase, refinance and cash-out, FHA a

• get_lender_universe

  Search FreeRateUpdate's published lender pages: every company the public page resolver publishes on freerateupdate.com/reviews/, and nothing else. A row shows only what that page shows: the display name, the company NMLS, the states the page shows (currently none: fru-com's licen

• get_news_episodes

  The FRU News episodes FreeRateUpdate has published: slug, title, description, series, publication date and the page to read, newest first. Omit slug for the list; pass a slug for one episode; pass series to narrow the list. An empty answer is never returned for a read failure: th

• get_lender_figures

  One lender's published HMDA figures, by name: originations, denials, approval rate, rate spread, closing costs and product mix for the latest reported year, from the same FFIEC source the lender's FreeRateUpdate page is built from. A name that matches more than one published page

• get_lender_sec_figures

  One lender's published SEC-filed parent figures: revenue, net income and the like, taken from the annual or quarterly filing the lender page prints. Ask with a lender name or its company NMLS. The figures are the REGISTRANT's (for example Rocket Companies, Inc. for Rocket Mortgag

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

• ! Caution

  Maker matches the repo

  The registry lists no source repo, so we cannot match the publisher (freerateupdate.com) to the code

• … 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 165 ms (HTTP 200)

• – Not applicable

  Sign-in with OAuth

  No sign-in needed

• ✓ Pass

  No hidden instructions in tool descriptions

  Read 16 tool descriptions and found no hidden instructions to the AI

Compared with others in Online shops & paymentsi

• More stars than 0% of the other 2578 servers in this category
• Published to the registry more recently than 90% of the other 2578 servers in this category
• Basic checks equal to or better than 53% of the other 2578 servers in this category

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

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

README from the maker

No README found in the repo