io.github.financeratecalc/frc-mcp
2025 HMDA FHA denial statistics and dated US mortgage rule tables, with receipts you can verify.
frc-mcp — FinanceRateCalc MCP Server
Query lender-level FHA denial statistics from the complete 2025 federal HMDA record (1,187,606 credit decisions, reverse mortgages excluded) directly from an AI agent.
Tools (remote endpoint, v1.7.0): check_claim_contract · get_national_fha_stats · get_lender_denial_stats · list_lenders · get_state_denial_stats · get_door_effect_summary · get_metro_lender_gap · screen_counterparties · screen_counterparties_quote · list_cohorts · run_cohort · get_conditional_door_map
The npm/stdio package exposes the original five read-only tools; the remote endpoint at https://frc-mcp.ziyetis.workers.dev carries all twelve. Paid tools return a free preview; a full Evidence Brief needs a license bought by a human — the agent only relays the offer.
The red line: every figure is a historical aggregate. This server will never accept borrower details or return individual approval predictions.
Remote (no install)
Streamable HTTP endpoint — connect any MCP client directly:
https://frc-mcp.ziyetis.workers.dev
Install (Claude Desktop / any MCP host)
{
"mcpServers": {
"financeratecalc": {
"command": "npx",
"args": ["-y", "frc-mcp"]
}
}
}
Data: CC BY 4.0, attribution to financeratecalc.com. Source of truth: public CFPB HMDA 2025 (loan_type 2; actions 1,2,3). Methodology: https://financeratecalc.com/about.html and SSRN 7156938.
Installation
Source-derived launch command. Check the maintainer’s required arguments and credentials before running:
npx -y frc-mcpSet up in your AI client
Merge this template into ~/Library/Application Support/Claude/claude_desktop_config.json. Keep existing servers. Add any arguments, credentials, and permissions required by the maintainer; this template has not been install-tested.
{
"mcpServers": {
"io-github-financeratecalc-frc-mcp": {
"command": "npx",
"args": [
"-y",
"frc-mcp"
]
}
}
}Restart Claude Desktop completely for changes to take effect. Confirm the server appears connected in the client’s tool list, then try a read-only example from its documentation.
Claude Desktop setup referencePackage
Compatible MCP Clients
io.github.financeratecalc/frc-mcp works with any MCP-compatible client. Copy the config snippet from the Configuration section above and add it to the file shown for your client, then restart the application.
- Claude Desktop
~/Library/Application Support/Claude/claude_desktop_config.jsonRestart Claude Desktop completely for changes to take effect. - Cursor
~/.cursor/mcp.jsonRestart Cursor for changes to take effect. - VS Code
.vscode/mcp.jsonReload VS Code window for changes to take effect. - Windsurf
~/.codeium/windsurf/mcp_config.jsonRestart Windsurf for changes to take effect. - Claude Code
.mcp.jsonSave at the project root, then start Claude Code in that project and review the MCP server approval prompt. Keep real credentials out of shared files.