frc-mcp
Official# frc-mcp — FinanceRateCalc MCP Server
[](https://allmcps.com/mcp/financeratecalc-frc-mcp?verify=f03cf9df-b2a6-4e4a-b914-a60161b7f75d)
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)
```json
{
"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.
TDQS
Scored across 5 tools
Each tool targets a distinct scope: national, lender-specific, state-level, lender listing, and door-effect analysis. There is minor overlap between list_lenders and the lender tables inside get_door_effect_summary, but the descriptions make the intended use clear.
Most tools follow a get_<scope>_stats pattern, which is predictable and readable. list_lenders and get_door_effect_summary deviate slightly from that pattern, but the naming remains consistent in style and verb usage.
Five tools is well-scoped for a specialized FHA denial statistics server. Each tool covers a meaningful slice of the domain without redundancy or bloat.
The tool surface covers national aggregates, state-level views, individual lender stats, lender rankings, and the cross-lender door effect analysis. For the stated purpose of exposing FHA denial statistics, there are no obvious missing operations or dead ends.