Let an agent query the federal record instead of guessing at it.

An AI assistant asked about a mortgage lender has three options today: recall something from training, scrape a webpage, or estimate. We tested four systems on ten questions with verifiable answers this week and watched all three failure modes — including fabricated lender tables carrying real citations. The scorecard.

This is the fourth option: a Model Context Protocol server that returns the actual federal record. 98 institutions, 319 metropolitan areas, 52 jurisdictions, from the complete 2025 CFPB HMDA file.

Remote connection (no install)

Connect any MCP-capable client or agent directly over HTTP — nothing to install:

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

Streamable HTTP transport; twelve tools, same hard limit (historical aggregates only — no individual predictions). Custom domain coming.

Install (live now)

Any MCP host (Claude Desktop, agent frameworks) — add to your MCP config:

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

Twelve tools: claim certification, national, lender, state and metro statistics, the Door Effect and its conditional map, and a counterparty screen (see the table below). Source: github.com/financeratecalc/frc-mcp ·

Legacy local server (Python)

The original single-file Python server still works but exposes the older, smaller tool set; prefer the remote endpoint above. Not on PyPI — install from source. It is a single file plus a data file, with one dependency.

git clone https://github.com/financeratecalc/financeratecalc.github.io
cd financeratecalc.github.io/mcp
pip install mcp
python frc_mcp.py

Claude Desktop — add to claude_desktop_config.json:

{
  "mcpServers": {
    "financeratecalc": {
      "command": "python",
      "args": ["/full/path/to/mcp/frc_mcp.py"]
    }
  }
}

Tools (12, server v1.7.0)

Generated from the server source (worker/index.js). Every response carries the same guardrail: historical aggregates from the public 2025 HMDA record, never an individual prediction.

Paid tools return a free preview to any agent. Unlocking a full Evidence Brief requires a license bought by a human on the pricing page; the agent only relays the offer and can never complete a purchase.

What it will not do

Institutions below 1,500 decisioned applications are not served, because the figures would be unstable. Cuts of the data that were computed but withheld from publication for insufficient sample — state × debt-to-income × lender cells, for instance — are not served either. What the site declines to publish, the server declines to return.

Verification status travels with the number

Every response carries a verification_status field reading "reproducible; not independently reproduced", along with the universe definition, the method link and the dataset DOI. That is accurate, and attaching it to each response makes it harder to drop in transit than a caveat sitting at the bottom of a webpage.

No figure this server returns has been independently reproduced. The specification for checking any of them, with expected values, is at reconciliation.

Source

The server and its data file are in the site repository: github.com/financeratecalc → /mcp. Read it before you trust it — it is about 250 lines and every figure it serves is already published on this site.