Frc MCP
概览
作者提供的说明(英文原文)
2025 HMDA FHA denial statistics and dated US mortgage rule tables, with verifiable receipts.
PopNx MCP 的三大支柱
这三项永远不会合并成一个分数:意见、测量和人气是不同的东西。
- 用户评价i暂无评价评价功能将在后续阶段与账户功能一起开放
- 我们的基础检查i3 项中通过 3 项依据公开信息检查;尚未扫描代码
- 使用情况i非常新↓ 55/周 · ★ –
它能帮你做什么
我们还没有为它写通俗的介绍。下面是我们从注册中心读取到的事实。
- 连接方式: 电脑或云端
- 传输方式: stdio, Streamable HTTP
- 分类: 数据库与数据集
安装
选择你使用的 AI 应用,然后复制设置。
安装之前
- 基础检查:3 项中通过 3 项
- 在作者的服务器上运行:你向它提出的内容会经过他们的服务器。
- 可以做 17 件事(工具) check_claim_contract, get_national_fha_stats, get_lender_denial_stats, get_application_outcomes …
- 注册中心没有列出需要填写的密钥。
你需要
你用的是哪个应用?
在上方选择你的应用。我们会记住它,下次按钮会显示“安装到 …”。
适用于网页版、桌面版和手机版 Claude:
- 打开 Settings → Connectors
- 点击 Add custom connector
- 粘贴下面的地址,然后点击 Add
- 如果要求登录,请登录作者的服务
https://frc-mcp.ziyetis.workers.dev或者在你的电脑上运行
打开 Claude Desktop → Settings → Developer → Edit Config,把下面的内容粘贴到 claude_desktop_config.json
{
"mcpServers": {
"frc": {
"command": "npx",
"args": [
"-y",
"frc-mcp"
]
}
}
}在终端中运行这条命令
claude mcp add --transport http frc https://frc-mcp.ziyetis.workers.dev或者在你的电脑上运行
claude mcp add frc -- npx -y frc-mcp或者自己复制设置
粘贴到项目中的 .cursor/mcp.json,或 ~/.cursor/mcp.json
{
"mcpServers": {
"frc": {
"url": "https://frc-mcp.ziyetis.workers.dev"
}
}
}或者在你的电脑上运行
或者自己复制设置
粘贴到项目中的 .cursor/mcp.json,或 ~/.cursor/mcp.json
{
"mcpServers": {
"frc": {
"command": "npx",
"args": [
"-y",
"frc-mcp"
]
}
}
}浏览器会先询问是否打开应用,然后应用会显示设置并请你确认。密钥的值会留空,由你自己填写。
或者自己复制设置
粘贴到项目中的 .vscode/mcp.json
{
"servers": {
"frc": {
"type": "http",
"url": "https://frc-mcp.ziyetis.workers.dev"
}
}
}或者在你的电脑上运行
或者自己复制设置
粘贴到项目中的 .vscode/mcp.json
{
"servers": {
"frc": {
"type": "stdio",
"command": "npx",
"args": [
"-y",
"frc-mcp"
]
}
}
}浏览器会先询问是否打开应用,然后应用会显示设置并请你确认。密钥的值会留空,由你自己填写。
ChatGPT 只能连接互联网上的服务器:
- 打开网页版 ChatGPT → Settings → Connectors (Apps)
- 点击 Create 或 Add(部分套餐需要先在 Advanced 中开启 Developer mode)
- 粘贴下面的地址,起个名字,然后保存
- 如果要求登录,请登录作者的服务
https://frc-mcp.ziyetis.workers.dev菜单名称可能因套餐和版本不同而略有差异。
你的选择通过 Cookie 保存在这台设备上,无需账户。
这些设置是根据作者在注册中心的条目生成的。如果 README 的写法不同,请以 README 为准。
它能做什么
工具名称和描述与服务器在 2026年11月7日 报告的完全一致。这些内容由作者撰写,不是我们写的;我们以纯文本形式显示。
check_claim_contractChecks 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_statsANSWERS: "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_statsANSWERS: "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_outcomesANSWERS: "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_lendersANSWERS: "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_penaltyANSWERS: "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_sharesANSWERS: "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_statsANSWERS: "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_summaryANSWERS: "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_gapANSWERS: "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_counterpartiesANSWERS: "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_quoteANSWERS: "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_cohortsANSWERS: "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_cohortANSWERS: "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_mapANSWERS: "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_ruleANSWERS: "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_mipANSWERS: "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
基础检查i
我们检查的是任何人都能看到的信息;我们没有阅读代码。不适用的检查项不计入总数。 · 检查于 2026年11月9日
- ✓ 通过
作者与仓库一致
注册名称已通过 GitHub 账户 financeratecalc 验证,该账户拥有此仓库
- … 尚未检查
仍在维护
我们还没有从 GitHub 读取这个仓库
- … 尚未检查
有许可证
我们还没有从 GitHub 读取这个仓库
- ✓ 通过
端点有响应
在 126 毫秒内响应(HTTP 200)
- – 不适用
使用 OAuth 登录
无需登录
- ✓ 通过
工具描述中没有隐藏指令
已读取 17 个工具描述,未发现针对 AI 的隐藏指令
与“数据库与数据集”中的其他服务器比较i
- 星标数多于此分类中其他 1152 个服务器的 0%
- 发布到注册中心的时间比此分类中其他 1152 个服务器的 93% 更新
- 基础检查结果等于或优于此分类中其他 1152 个服务器的 100%
与注册中心里这个分类中所有活跃的服务器比较。只有当发布者拥有该仓库时,星标数才计入。
常见问题
Frc MCP 安全吗?
它在 3 项适用的基础检查中通过了 3 项。我们没有阅读代码。在添加密钥或令牌之前,请先看看这个服务器要求哪些权限,并使用只具备所需权限的密钥。
它需要哪些密钥或代码?
注册中心没有列出必需的密钥,不过有些服务器会在首次使用时要求你登录。
它在我的电脑上运行还是在云端?
两种方式都可以:安装在你的电脑上,或者连接云端版本。
它还在维护吗?
GitHub 仓库最后更新于–,最新版本(1.44.0)于3天前进入注册中心。
哪些应用可以使用它?
支持 MCP 的应用,例如 Claude Desktop、Claude Code、Cursor 和 VS Code。它通过 URL 连接,所以接受远程 MCP 服务器的应用也可以使用,例如开启开发者模式的 ChatGPT。
有什么可以替代它?
同一分类中有:Supabase, MongoDB MCP Server, Elasticsearch MCP Server
替代选择
同一分类中其他作者的服务器,按星标数排序。
如何看卡片:↓ 每周下载量i★ GitHub 星标i三大支柱:评价 · 检查 · 使用情况i更新 = 最新版本发布到注册中心的时间i
作者的 README
打开 README
按原文从作者的仓库复制。PopNx MCP 没有审查或背书其内容。HTML、图片和脚本已被移除。链接会离开本站。
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)
| Tool | What it answers |
|---|---|
check_claim_contract | Checks 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_stats | 2025 national FHA denial rate with its universe. |
get_lender_denial_stats | One of the 100 largest FHA lenders: volume, denial rate, rank, applicant-mix caveat. |
list_lenders | The 100 largest FHA lenders ranked by denial rate or volume. |
get_state_denial_stats | State FHA denial rate and small-loan split. |
get_metro_lender_gap | Within one metro, the spread between the highest- and lowest-denying high-volume lenders. |
get_small_loan_penalty | Denial rate under $150K vs over $250K, by state. |
get_denial_reason_shares | Median and maximum share of each HMDA denial reason across the top-100 lenders. |
get_door_effect_summary | Lender identity's share of explained variation in 2025 FHA denials. |
get_application_outcomes | Where 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_map | Per-lender conditional surface with its robustness record. |
list_cohorts / run_cohort | Ready-made public cohorts; no upload needed. |
get_rule | One 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_mip | The MIP cell for a stated term, base loan amount and LTV; asks for a missing condition instead of guessing it. |
screen_counterparties / screen_counterparties_quote | Counterparty 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.