{"serverInfo":{"name":"financeratecalc","title":"FinanceRateCalc mortgage evidence","version":"1.37.1"},"protocolVersions":["2026-07-28","2025-11-25","2025-06-18","2025-03-26"],"capabilities":{"tools":{"listChanged":false},"extensions":{}},"instructions":"FinanceRateCalc: independent analysis of the complete 2025 federal HMDA record (1,187,606 FHA credit decisions, reverse mortgages excluded). All figures are historical aggregates. Never ask this server whether a specific person will be approved — it cannot and will not answer that.","domain":"us-mortgage-evidence","can_answer":["historical FHA denial rates: national, state, metro, lender (2025 HMDA record)","denial-reason shares, small-loan penalty, door effect, conditional cells","which dated regulatory cell applies: FHA MIP, FHA/FHFA loan limits, HOEPA/QM thresholds, VA funding fee","whether a proposed sentence preserves a figure's contract (period, population, program, attribution, forbidden inferences)","whether a claim or rule receipt is current"],"cannot_answer":["whether any individual will be approved or denied","which lender a person should choose","whether a lender acted unlawfully or discriminated","any figure not published by FinanceRateCalc"],"tasks":[{"task_id":"resolve_fha_annual_mip","title":"Resolve the FHA annual MIP cell","trigger_phrases":["FHA MIP","mortgage insurance premium","annual MIP rate","FHA insurance cost per year","how much is FHA mortgage insurance","MIP for a $X loan at Y% LTV","FHA PMI rate (common misnomer)"],"example_question":"What is the FHA annual MIP for a $300,000 loan at 85% LTV over 15 years, case assigned 2026-02-01?","example_tool_path":["resolve_fha_annual_mip"],"task":"resolve_fha_annual_mip","when_to_use":["FHA annual MIP rate","dated FHA mortgage insurance rule","loan-amount and LTV dependent FHA premium"],"required_fields":["base_loan_amount","ltv_pct","term_years","case_number_date"],"returns":["matched_cell","rule_id","safe_sentence","receipt","proof"],"does_not_return":["approval_probability","borrower_prediction","monthly_payment","lender_recommendation"],"on_missing_input":"input_required (2026 clients) or block CONDITION_MISSING (2025 clients); never a guessed number"},{"task_id":"get_rule","title":"Read a dated regulatory table","trigger_phrases":["loan limit 2026","HOEPA threshold","QM points and fees","VA funding fee","conforming limit"],"example_question":"What is the 2026 FHA one-unit loan limit floor?","example_tool_path":["get_rule"],"task":"get_rule","when_to_use":["current FHA or FHFA loan limit","HOEPA / QM thresholds for a year","VA funding fee table","which MIP table is in force"],"required_fields":[],"returns":["rule cells","effective dates","issuer document","sha256"],"does_not_return":["anything before the effective date","rules not in the index"]},{"task_id":"verify_mortgage_claim","title":"Check a sentence against the figure's contract","trigger_phrases":["is this sentence correct","can I say","verify this statistic","before I quote"],"example_question":"Can I write: 'About 22% of mortgage applications were denied in 2025'?","example_tool_path":["check_claim_contract"],"task":"check_claim_contract","when_to_use":["before writing any sentence that states a FinanceRateCalc figure"],"required_fields":["passport_id"],"optional_fields":["proposed_sentence"],"returns":["verdict pass|needs_qualifier|block","reason codes","safe_wording","attribution"],"does_not_return":["figures of other publishers"]},{"task_id":"retrieve_hmda_denial_statistic","title":"Retrieve a 2025 FHA denial statistic with its contract and receipt","trigger_phrases":["FHA denial rate","how often are FHA loans denied","denial rate in <state>","<lender> denial rate","why are FHA loans denied","small loan penalty"],"example_question":"What was the FHA denial rate in Ohio in 2025?","example_tool_path":["get_state_denial_stats","check_claim_contract"],"task":"get_national_fha_stats | get_state_denial_stats | get_lender_denial_stats | get_metro_lender_gap | get_small_loan_penalty | get_denial_reason_shares | get_door_effect_summary","when_to_use":["historical FHA denial statistics from the 2025 HMDA record"],"returns":["figure with universe and period","quotable_sentence","claim_receipt","proof"],"does_not_return":["individual outcomes","lender rankings by quality","causes"]},{"task_id":"resolve_conditional_door_pattern","title":"How a lender's denial gap moves across published cells","trigger_phrases":["does the lender gap depend on loan size","where is <lender> strictest","conditional door"],"example_question":"Does AmeriSave's peer-adjusted gap change with loan amount?","example_tool_path":["get_conditional_door_map"],"task":"get_conditional_door_map | list_cohorts | run_cohort","when_to_use":["lender strictness by state, loan amount, income, DTI or CLTV band"],"required_fields":["lender (for the map) or cohort_id (for a cohort)"],"returns":["cells with counts","peer-adjusted gap","minimum-cell rule"],"does_not_return":["suppressed small cells","individual outcomes"]},{"task_id":"verify_rule_sentence","title":"Check a sentence that quotes a dated mortgage rule value","trigger_phrases":["is the 2026 FHA loan limit","conforming loan limit 2026","HOEPA threshold 2026","VA funding fee percentage","is this MIP rate right","can I say the limit is"],"example_question":"Can I write: 'The 2026 FHA loan limit is $726,200 for a one-unit home'?","example_tool_path":["check_claim_contract"],"task":"check_claim_contract","when_to_use":["before writing any sentence that states a loan limit, threshold, funding fee or MIP rate from one of the five FinanceRateCalc rule files"],"required_fields":["passport_id (frc:rule:…)","proposed_sentence"],"returns":["verdict pass|needs_qualifier|block","reason codes incl. VALUE_FROM_OTHER_RULE, STALE_VALUE, PERIOD_MISMATCH, VALUE_MISMATCH","resolved_cell","safe_wording","rule_receipt on pass"],"does_not_return":["county-level limits","values for years the table does not cover","eligibility"]},{"task_id":"run_counterparty_screen","title":"Screen a list of LEIs against the public-data outlier model","trigger_phrases":["screen these lenders","counterparty screen","outlier lenders"],"example_question":"Screen these 12 LEIs.","example_tool_path":["screen_counterparties_quote","screen_counterparties"],"task":"screen_counterparties | screen_counterparties_quote","when_to_use":["batch screening of named institutions by LEI"],"required_fields":["leis"],"returns":["screening signal per LEI with coverage"],"does_not_return":["evidence of misconduct","credit decisions"],"note":"preview free; larger batches licensed; an agent cannot pay on a person's behalf"}],"positioning":"A machine-readable mortgage evidence server for AI agents: resolves dated mortgage rule cells, requests missing public conditions instead of guessing, validates claim scope, and returns reproducible receipts. It does not provide individual approval predictions, lender recommendations or legal conclusions.","evidence_fields_on_every_figure":["id","value","receipt","verify_url","resolve_url","source_url","source_vintage","effective_from","method_version","verification_status","scope"],"proof_object_spec":"https://financeratecalc.com/spec/proof-object-0.1.md","resolver":"https://frc-mcp.ziyetis.workers.dev/resolve/<id>","endpoint":"https://frc-mcp.ziyetis.workers.dev","transport":"streamable-http","auth":"none","license":"CC-BY-4.0","registry":"io.github.financeratecalc/frc-mcp","website":"https://financeratecalc.com/mcp-server.html"}