FinanceRateCalc (frc-mcp)

基于2025年完整联邦HMDA记录（120万条信贷决策）的贷款机构层面FHA抵押贷款拒绝统计。5个工具：全国统计、贷款机构查询、排名、州统计、门效应分析。开放数据（CC BY 4.0），方法论见SSRN。仅提供历史汇总数据——绝不进行个人审批预测。

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frc-mcp — FinanceRateCalc MCP Server

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Query lender-level FHA denial statistics from the complete 2025 federal HMDA record (1,217,297 credit decisions) directly from an AI agent.

Tools: get_national_fha_stats · get_lender_denial_stats · list_lenders · get_state_denial_stats · get_door_effect_summary

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.