# ITIN Finance (remote · mcp.itinlending.net)

Verified ITIN lender directory + 290 bilingual guides on US loans, cards & credit without an SSN.

- Trust score: 86/100 (high trust)
- Change this week: 0
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `mcp.itinlending.net`: 86/100 (this document), [markdown](https://verifymcp.io/servers/bguillow-rgb-itin-finance/mcp.md), [page](https://verifymcp.io/servers/bguillow-rgb-itin-finance/mcp)
- npm · `itin-finance-mcp`: 77/100, [markdown](https://verifymcp.io/servers/bguillow-rgb-itin-finance/itin-finance-mcp.md), [page](https://verifymcp.io/servers/bguillow-rgb-itin-finance/itin-finance-mcp)

## Channel facts

- Endpoint: `https://mcp.itinlending.net/?src=registry`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.2`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 82/100
  - AI-judged instruction clarity (excellent).
  - Tool/resource definitions use about 712 tokens (~89/item across 8 items; 8 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 100/100
  - No destabilizing schema changes in the last 30 days.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 8 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 8 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 40/100
  - Spec-recency check failed: implements MCP spec 2025-03-26; the latest is 2026-07-28.

## Install

### How do I install the ITIN Finance MCP server?

ITIN Finance is a hosted endpoint at https://mcp.itinlending.net/?src=registry, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http bguillow-rgb-itin-finance 'https://mcp.itinlending.net/?src=registry'
```

### Cursor

```json
{
  "mcpServers": {
    "bguillow-rgb-itin-finance": {
      "url": "https://mcp.itinlending.net/?src=registry"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "bguillow-rgb-itin-finance": {
      "type": "http",
      "url": "https://mcp.itinlending.net/?src=registry"
    }
  }
}
```

### Codex

```toml
[mcp_servers.bguillow-rgb-itin-finance]
url = "https://mcp.itinlending.net/?src=registry"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "bguillow-rgb-itin-finance": {
      "type": "remote",
      "url": "https://mcp.itinlending.net/?src=registry",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add bguillow-rgb-itin-finance --url 'https://mcp.itinlending.net/?src=registry' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  bguillow-rgb-itin-finance:
    url: "https://mcp.itinlending.net/?src=registry"
```

### Netclaw

```json
{
  "McpServers": {
    "bguillow-rgb-itin-finance": {
      "Transport": "http",
      "Url": "https://mcp.itinlending.net/?src=registry"
    }
  }
}
```

### Vellum

```bash
assistant mcp add bguillow-rgb-itin-finance -t streamable-http -u 'https://mcp.itinlending.net/?src=registry'
```

### Other

```json
{
  "mcpServers": {
    "bguillow-rgb-itin-finance": {
      "type": "http",
      "url": "https://mcp.itinlending.net/?src=registry"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-10-17 (score 86, 0)

- [functional] Server version: 1.0.0 → 1.0.2

### 2026-10-16 (score 86, 0)

- [security] Stability: 0.97 → pass

### 2026-10-15 (score 86, +1)

No change was recorded against any check on this day. Stability & Change Management went from 93 to 97. That category is still filling its 30-day observation window: 28 days of observed history at the previous scan, 29 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-12 (score 85, +1)

No change was recorded against any check on this day. Stability & Change Management went from 80 to 87. That category is still filling its 30-day observation window: 24 days of observed history at the previous scan, 26 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-10 (score 84, +2)

No change was recorded against any check on this day. Stability & Change Management went from 70 to 80. That category is still filling its 30-day observation window: 21 days of observed history at the previous scan, 24 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-07 (score 82, +1)

No change was recorded against any check on this day. Stability & Change Management went from 60 to 70. That category is still filling its 30-day observation window: 18 days of observed history at the previous scan, 21 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-04 (score 81, +1)

No change was recorded against any check on this day. Stability & Change Management went from 57 to 60. That category is still filling its 30-day observation window: 17 days of observed history at the previous scan, 18 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-28 (score 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

## MCP tools (8)

### `search_guides` (~126 tokens)

Search 290+ editorial guides across the ITIN finance network (loans, mortgages, credit cards, credit scores — English and Spanish). Returns quick answers with canonical article URLs.

Input parameters:

- `lang` (string): Answer language: en (default) or es (Spanish)
- `query` (string, required): What the user wants to know, e.g. 'refinance car loan itin' or 'prestamo personal con itin'
- `site` (string): Restrict to one site in the network: lending, creditcard, or creditscore. Omit to search all three

### `get_guide` (~64 tokens)

Get one guide by slug or approximate title: quick answer, FAQs, related guides, canonical URL.

Input parameters:

- `lang` (string): Answer language: en (default) or es (Spanish)
- `slug` (string, required): Guide slug, or an approximate title to match on

### `faq_lookup` (~85 tokens)

Search 1,800+ editorial FAQs for a direct answer to a specific ITIN finance question (EN/ES). Each answer carries its source article URL.

Input parameters:

- `lang` (string): Answer language: en (default) or es (Spanish)
- `query` (string, required): A specific ITIN finance question, e.g. 'can I get a mortgage with an ITIN'

### `find_itin_lenders` (~118 tokens)

List institutions that accept ITIN (no SSN) applicants for a loan or card type, optionally filtered by US state. Every entry states whether it was verified against the institution's own pages, with citation URLs and dates.

Input parameters:

- `lang` (string): Answer language: en (default) or es (Spanish)
- `loan_type` (string, required): Which product the question is about: auto loan, mortgage, personal loan, business loan, or credit card
- `state` (string): US state name or 2-letter code

### `get_lender_details` (~54 tokens)

Full verified profile for one institution: ITIN policy, states, membership rules, published terms, citations, and our editorial coverage.

Input parameters:

- `name` (string, required): Institution name, e.g. 'Alterra Home Loans'

### `can_i_get_this_loan` (~139 tokens)

The direct answer to 'can I get a(n) X with an ITIN?': the editorial quick answer, typical requirements, and institutions with documented ITIN programs for that loan type (optionally state-filtered). Informational only — not a recommendation or referral. EN/ES.

Input parameters:

- `lang` (string): Answer language: en (default) or es (Spanish)
- `loan_type` (string, required): Which product the question is about: auto loan, mortgage, personal loan, business loan, or credit card
- `state` (string): US state name or 2-letter code, to narrow to institutions lending there

### `itin_state_info` (~61 tokens)

State-level context for ITIN holders: state/local taxes paid by undocumented immigrants (ITEP 2022), effective tax rate, driver's-license access law, and the state guide URL.

Input parameters:

- `state` (string, required): US state name or 2-letter code

### `how_to_get_an_itin` (~65 tokens)

How to apply for an ITIN (IRS Form W-7): the process, documents, timelines, and common mistakes — with the full guide URL. EN/ES.

Input parameters:

- `lang` (string): Answer language: en (default) or es (Spanish)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/bguillow-rgb-itin-finance/mcp#diagnostics

## Score history

- 2026-11-05: 86
- 2026-11-04: 86
- 2026-11-03: 86
- 2026-11-02: 86
- 2026-11-01: 86
- 2026-10-31: 86
- 2026-10-30: 86
- 2026-10-29: 86
- 2026-10-28: 86
- 2026-10-27: 86
- 2026-10-26: 86
- 2026-10-25: 86
- 2026-10-24: 86
- 2026-10-23: 86
- 2026-10-22: 86
- 2026-10-21: 86
- 2026-10-20: 86
- 2026-10-19: 86
- 2026-10-18: 86
- 2026-10-17: 86
- 2026-10-16: 86
- 2026-10-15: 86
- 2026-10-14: 85
- 2026-10-13: 85
- 2026-10-12: 85
- 2026-10-10: 84
- 2026-10-07: 82
- 2026-10-04: 81
- 2026-10-03: 80
- 2026-10-02: 80

## Common questions

### What is the ITIN Finance MCP server?

ITIN Finance is an MCP server listed in the public MCP registry as io.github.bguillow-rgb/itin-finance. Verified ITIN lender directory + 290 bilingual guides on US loans, cards & credit without an SSN. This page covers its hosted endpoint (https://mcp.itinlending.net/?src=registry).

### Is the ITIN Finance MCP server safe to use?

ITIN Finance scores 86 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the ITIN Finance MCP server expose?

ITIN Finance exposes 8 tools: search_guides, get_guide, faq_lookup, find_itin_lenders, get_lender_details, and 3 more. Their descriptions and schemas cost roughly 712 tokens of context every time the server is loaded.

### Does the ITIN Finance MCP server require authentication?

No. We connected to ITIN Finance without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the ITIN Finance MCP server still maintained?

ITIN Finance is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the ITIN Finance MCP server?

VerifyMCP ran 13 checks on ITIN Finance, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://mcp.itinlending.net/?src=registry
- Repository: https://github.com/bguillow-rgb/itin-finance-mcp
- Website: https://itinlending.net/mcp
- Changelog RSS feed: https://verifymcp.io/servers/bguillow-rgb-itin-finance/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/bguillow-rgb-itin-finance/mcp/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/bguillow-rgb-itin-finance/mcp.json
- HTML version of this page: https://verifymcp.io/servers/bguillow-rgb-itin-finance/mcp