io.github.financeratecalc/frc-mcp

pkg:npm:frc-mcp

Lender-level FHA denial statistics from the full 2025 federal HMDA record. Historical data only.

transport:: remote + stdio
credential class:: open
repo:: https://github.com/financeratecalc/frc-mcp

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Tools

check_claim_contract
Certify a proposed use of an FRC statistic against its published Claim Contract BEFORE writing free text. Deterministic verdict (pass/needs_qualifier/block) + reason codes + safe wording + mandatory attribution. Never accepts borrower details.
shallow
get_door_effect_summary
Door Effect: 38% of explainable variation in FHA denial outcomes is lender identity, not the applicant's file (859,090 decisions). Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
shallow
get_lender_denial_stats
FHA denial statistics for one lender by name, slug, or LEI (top-100 by volume). Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
shallow
get_metro_lender_gap
Per-metro FHA denial-rate gap between high-volume lenders (>=100 decisioned applications in that metro, 2025), returned as a machine-readable claim passport: lowest and highest door with counts, gap in percentage points, source-record sha256, interpretation boundaries, and a link to its Claim Contract. Covers 184 US metros; smaller markets are excluded by the volume floor. Observed rates, unadjusted for applicant mix. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
shallow
get_national_fha_stats
National FHA denial statistics from the 2025 federal record. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
shallow
get_state_denial_stats
FHA denial statistics for a US state (two-letter code). Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
shallow
list_lenders
List covered FHA lenders sorted by denial rate or volume (2025 span: 1.8% to 78.7%). Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
shallow

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