Clara Mortgage Assistant
REMOTE · MCP.CLARATECH.AI · SCANNED SEP 22
Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.
Available components
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. How we score → Why this is hard to score →
Endpoint Security74
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability61
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1555 tokens (~259/item across 6 items; 6 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management100
- No destabilizing schema changes in the last 30 days.Pass
Tool Coverage93
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 76% of tool parameters carry a description.Partial
- Structured output schemas are declared (100% of tools); any adoption earns full credit.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 6 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
How do I install the Clara Mortgage Assistant MCP server?
Clara Mortgage Assistant is a hosted endpoint at https://mcp.claratech.ai/mcp, 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.
remote · mcp.claratech.ai
claude mcp add --transport http clara-finance-clara-mortgage-assistant 'https://mcp.claratech.ai/mcp'
{
"mcpServers": {
"clara-finance-clara-mortgage-assistant": {
"url": "https://mcp.claratech.ai/mcp"
}
}
} {
"servers": {
"clara-finance-clara-mortgage-assistant": {
"type": "http",
"url": "https://mcp.claratech.ai/mcp"
}
}
} [mcp_servers.clara-finance-clara-mortgage-assistant] url = "https://mcp.claratech.ai/mcp"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"clara-finance-clara-mortgage-assistant": {
"type": "remote",
"url": "https://mcp.claratech.ai/mcp",
"enabled": true
}
}
} openclaw mcp add clara-finance-clara-mortgage-assistant --url 'https://mcp.claratech.ai/mcp' --transport streamable-http
mcp_servers:
clara-finance-clara-mortgage-assistant:
url: "https://mcp.claratech.ai/mcp" {
"McpServers": {
"clara-finance-clara-mortgage-assistant": {
"Transport": "http",
"Url": "https://mcp.claratech.ai/mcp"
}
}
} assistant mcp add clara-finance-clara-mortgage-assistant -t streamable-http -u 'https://mcp.claratech.ai/mcp'
{
"mcpServers": {
"clara-finance-clara-mortgage-assistant": {
"type": "http",
"url": "https://mcp.claratech.ai/mcp"
}
}
} The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 18 Sept 26 0
- Stability: 0.97 → pass security
- 17 Sept 26 +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.
- 15 Sept 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 87 to 90. That category is still filling its 30-day observation window: 26 days of observed history at the previous scan, 27 at this one. The score rises as the window fills, whether or not the server changes.
- 13 Sept 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 80 to 83. That category is still filling its 30-day observation window: 24 days of observed history at the previous scan, 25 at this one. The score rises as the window fills, whether or not the server changes.
- 11 Sept 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 73 to 77. That category is still filling its 30-day observation window: 22 days of observed history at the previous scan, 23 at this one. The score rises as the window fills, whether or not the server changes.
- 9 Sept 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 67 to 70. That category is still filling its 30-day observation window: 20 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.
- 7 Sept 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 60 to 63. That category is still filling its 30-day observation window: 18 days of observed history at the previous scan, 19 at this one. The score rises as the window fills, whether or not the server changes.
- 5 Sept 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 53 to 57. That category is still filling its 30-day observation window: 16 days of observed history at the previous scan, 17 at this one. The score rises as the window fills, whether or not the server changes.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 22 Sept 2026 · Probed https://mcp.claratech.ai/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=mcp.claratech.ai | CN=WR3,O=Google Trust Services,C=US | 19 Aug 2026 | 17 Nov 2026 | RSA 2048 | SHA256-RSA | 56aee6b20663b61f10ba3a7611979439 |
| SANs: mcp.claratech.ai | ||||||
| CN=WR3,O=Google Trust Services,C=US (CA) | CN=GTS Root R1,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | RSA 2048 | SHA256-RSA | 7ff005a91568d63abc22861684aa4b5a |
| CN=GTS Root R1,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 19 Jun 2020 | 28 Jan 2028 | RSA 4096 | SHA256-RSA | 77bd0d6cdb36f91aea210fc4f058d30d |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of mcp.claratech.ai. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| ai. | present | 3799 | 8 | Verified |
| claratech.ai. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| x-content-type-options | nosniff |
| referrer-policy | no-referrer |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://mcp.claratech.ai/mcp | Verified | 200 | |
| http (plaintext) | http://mcp.claratech.ai/mcp | HTTPS enforced |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
calculate_debt_service Calculate GDS and TDS ~230
MUST use this tool when the user supplies a monthly mortgage payment and asks for Canadian GDS or TDS. Calculate the ratios directly from that payment, income, and monthly obligations. Do not request principal, contract rate, or amortization, and do not use calculate_qualification when the monthly payment is already supplied. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
| Name | Type | Req | Description |
|---|---|---|---|
| effectiveDate | string | yes | Date the supplied rates and policy assumptions were confirmed. |
| grossAnnualIncome | number | yes | Gross annual household income in Canadian dollars. |
| housing | object | – | – |
| jurisdiction | string | – | Canadian calculations only. |
| monthlyPayment | number | yes | Monthly mortgage principal-and-interest payment in Canadian dollars. |
| otherMonthlyDebts | number | – | Total other monthly debt obligations in Canadian dollars. |
| tolerances | object | – | – |
| Name | Type | Req | Description |
|---|---|---|---|
| calculation | object | yes | – |
| calculationVersion | string | yes | – |
| currency | string | yes | – |
| disclaimer | string | yes | – |
| effectiveDate | string | yes | – |
| jurisdiction | string | yes | – |
| tool | string | yes | – |
No examples provided.
calculate_ltv Calculate LTV and CLTV ~214
Calculate Canadian loan-to-value and combined loan-to-value using purchase price, appraisal, and secured positions. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
| Name | Type | Req | Description |
|---|---|---|---|
| appraisedValue | number | – | Property appraised value in Canadian dollars. |
| effectiveDate | string | yes | Date the supplied rates and policy assumptions were confirmed. |
| jurisdiction | string | – | Canadian calculations only. |
| loanAmount | number | yes | New mortgage or loan amount in Canadian dollars. |
| otherSecuredPositions | array | – | – |
| purchasePrice | number | – | Property purchase price in Canadian dollars. |
| storedLtv | number | – | Optional previously stored LTV ratio as a decimal; for example, 75% is 0.75. |
| valueBasis | string | – | – |
| Name | Type | Req | Description |
|---|---|---|---|
| calculation | object | yes | – |
| calculationVersion | string | yes | – |
| currency | string | yes | – |
| disclaimer | string | yes | – |
| effectiveDate | string | yes | – |
| jurisdiction | string | yes | – |
| tool | string | yes | – |
No examples provided.
calculate_qualification Calculate B-20 Stress-Test Qualification ~403
Calculate the B-20 qualifying rate, qualifying payment, and resulting GDS/TDS from a supplied principal, contract rate, amortization, and income. Use this tool only when the qualifying payment must be calculated from those inputs. If the user already supplies a monthly mortgage payment and asks for GDS/TDS, MUST use calculate_debt_service instead and must not request principal, rate, or amortization. This is neutral scenario math, not an approval or underwriting decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
| Name | Type | Req | Description |
|---|---|---|---|
| amortizationMonths | integer | yes | Mortgage amortization period in months. |
| bufferRate | number | – | Optional stress-test buffer added to the contract rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525. |
| contractRate | number | yes | Contract rate for the mortgage. Supply the annual rate as a decimal; for example, 5.25% is 0.0525. |
| effectiveDate | string | yes | Date the supplied rates and policy assumptions were confirmed. |
| floorRate | number | – | Optional minimum qualification rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525. |
| grossAnnualIncome | number | yes | Gross annual household income in Canadian dollars. |
| housing | object | – | – |
| jurisdiction | string | – | Canadian calculations only. |
| otherMonthlyDebts | number | – | Total monthly debt obligations outside the housing costs in Canadian dollars. |
| principal | number | yes | Mortgage principal in Canadian dollars. |
| straightSwitchExempt | boolean | – | – |
| tolerances | object | – | – |
| Name | Type | Req | Description |
|---|---|---|---|
| calculation | object | yes | – |
| calculationVersion | string | yes | – |
| currency | string | yes | – |
| disclaimer | string | yes | – |
| effectiveDate | string | yes | – |
| jurisdiction | string | yes | – |
| tool | string | yes | – |
No examples provided.
compare_mortgage_scenarios Compare Canadian Mortgage Scenarios ~117
Compare up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
| Name | Type | Req | Description |
|---|---|---|---|
| effectiveDate | string | yes | Date the supplied rates and policy assumptions were confirmed. |
| jurisdiction | string | – | Canadian calculations only. |
| scenarios | array | yes | – |
| Name | Type | Req | Description |
|---|---|---|---|
| calculationVersion | string | yes | – |
| currency | string | yes | – |
| disclaimer | string | yes | – |
| effectiveDate | string | yes | – |
| jurisdiction | string | yes | – |
| scenarios | array | yes | – |
| tool | string | yes | – |
No examples provided.
estimate_prepayment_penalty Estimate a Mortgage Prepayment Penalty ~230
Estimate three-months-interest and simple IRD prepayment penalties; lender discharge statements remain authoritative. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
| Name | Type | Req | Description |
|---|---|---|---|
| annualRate | number | yes | Current annual mortgage rate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525. |
| comparisonRate | number | – | Annual comparison or reference rate used for the simplified interest-rate-differential estimate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525. |
| effectiveDate | string | yes | Date the supplied rates and policy assumptions were confirmed. |
| jurisdiction | string | – | Canadian calculations only. |
| method | string | – | – |
| principal | number | yes | Outstanding mortgage balance in Canadian dollars. |
| remainingTermMonths | integer | yes | Number of months remaining in the mortgage term. |
| Name | Type | Req | Description |
|---|---|---|---|
| calculation | object | yes | – |
| calculationVersion | string | yes | – |
| currency | string | yes | – |
| disclaimer | string | yes | – |
| effectiveDate | string | yes | – |
| jurisdiction | string | yes | – |
| tool | string | yes | – |
No examples provided.
refuse_unsupported_mortgage_request Refuse Unsupported Mortgage Approval or Underwriting Requests ~144
MUST be called whenever the user asks whether a borrower should be approved, denied, pre-approved, conditionally approved, underwritten, or assessed for suitability. Also call it for lender or product recommendations, borrower documents or accounts, current rates or rules, submissions, outreach, or anything outside Clara Mortgage Assistant calculations. This tool returns the required deterministic refusal. Send only the matching requestType category—never include the original prompt, names, identifiers, document content, or other user data. Do not answer these requests directly.
| Name | Type | Req | Description |
|---|---|---|---|
| requestType | string | yes | Category of unsupported request. Do not include or infer any user, borrower, account, or document data. |
| Name | Type | Req | Description |
|---|---|---|---|
| dataHandling | string | yes | – |
| message | string | yes | – |
| requestType | string | yes | – |
| safeAlternative | string | yes | – |
| status | string | yes | – |
| tool | string | yes | – |
No examples provided.
What is the Clara Mortgage Assistant MCP server?
Clara Mortgage Assistant is an MCP server listed in the public MCP registry as io.github.clara-finance/clara-mortgage-assistant. Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties. This page covers its hosted endpoint (https://mcp.claratech.ai/mcp).
Is the Clara Mortgage Assistant MCP server safe to use?
Clara Mortgage Assistant scores 82 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 Clara Mortgage Assistant MCP server expose?
Clara Mortgage Assistant exposes 6 tools: refuse_unsupported_mortgage_request, compare_mortgage_scenarios, calculate_qualification, calculate_debt_service, calculate_ltv, estimate_prepayment_penalty. Their descriptions and schemas cost roughly 1,338 tokens of context every time the server is loaded.
Does the Clara Mortgage Assistant MCP server require authentication?
No. We connected to Clara Mortgage Assistant without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Clara Mortgage Assistant MCP server still maintained?
Clara Mortgage Assistant is still listed as active in the MCP registry. We last reached this channel on 22 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.