# Clara Mortgage Assistant (remote · mcp.claratech.ai)

Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.

- Trust score: 82/100 (high trust)
- Change this week: +1
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-22

## Components

- remote · `mcp.claratech.ai`: 82/100 (this document), [markdown](https://verifymcp.io/servers/clara-finance-clara-mortgage-assistant/mcp.md), [page](https://verifymcp.io/servers/clara-finance-clara-mortgage-assistant/mcp)

## Channel facts

- Endpoint: `https://mcp.claratech.ai/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.1.1`

## 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 2026-09-22.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - 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**: 61/100
  - AI-judged instruction clarity (good).
  - 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.
  - 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**: 93/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 76% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 6 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### 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.

### Claude

```bash
claude mcp add --transport http clara-finance-clara-mortgage-assistant 'https://mcp.claratech.ai/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "clara-finance-clara-mortgage-assistant": {
      "url": "https://mcp.claratech.ai/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "clara-finance-clara-mortgage-assistant": {
      "type": "http",
      "url": "https://mcp.claratech.ai/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.clara-finance-clara-mortgage-assistant]
url = "https://mcp.claratech.ai/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "clara-finance-clara-mortgage-assistant": {
      "type": "remote",
      "url": "https://mcp.claratech.ai/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add clara-finance-clara-mortgage-assistant --url 'https://mcp.claratech.ai/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  clara-finance-clara-mortgage-assistant:
    url: "https://mcp.claratech.ai/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "clara-finance-clara-mortgage-assistant": {
      "Transport": "http",
      "Url": "https://mcp.claratech.ai/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add clara-finance-clara-mortgage-assistant -t streamable-http -u 'https://mcp.claratech.ai/mcp'
```

### Other

```json
{
  "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.

## 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.

### 2026-09-18 (score 82, 0)

- [security] Stability: 0.97 → pass

### 2026-09-17 (score 82, +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.

### 2026-09-15 (score 81, +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.

### 2026-09-13 (score 80, +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.

### 2026-09-11 (score 79, +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.

### 2026-09-09 (score 78, +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.

### 2026-09-07 (score 77, +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.

### 2026-09-05 (score 76, +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.

## MCP tools (6)

### `refuse_unsupported_mortgage_request` (~144 tokens)

Refuse Unsupported Mortgage Approval or Underwriting Requests

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.

Input parameters:

- `requestType` (string, required): Category of unsupported request. Do not include or infer any user, borrower, account, or document data.

Output parameters:

- `dataHandling` (string)
- `message` (string)
- `requestType` (string)
- `safeAlternative` (string)
- `status` (string)
- `tool` (string)

### `compare_mortgage_scenarios` (~117 tokens)

Compare Canadian Mortgage Scenarios

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.

Input parameters:

- `effectiveDate` (string, required): Date the supplied rates and policy assumptions were confirmed.
- `jurisdiction` (string): Canadian calculations only.
- `scenarios` (array, required)

Output parameters:

- `calculationVersion` (string)
- `currency` (string)
- `disclaimer` (string)
- `effectiveDate` (string)
- `jurisdiction` (string)
- `scenarios` (array)
- `tool` (string)

### `calculate_qualification` (~403 tokens)

Calculate B-20 Stress-Test Qualification

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.

Input parameters:

- `amortizationMonths` (integer, required): 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, required): Contract rate for the mortgage. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.
- `effectiveDate` (string, required): 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, required): 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, required): Mortgage principal in Canadian dollars.
- `straightSwitchExempt` (boolean)
- `tolerances` (object)

Output parameters:

- `calculation` (object)
- `calculationVersion` (string)
- `currency` (string)
- `disclaimer` (string)
- `effectiveDate` (string)
- `jurisdiction` (string)
- `tool` (string)

### `calculate_debt_service` (~230 tokens)

Calculate GDS and TDS

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.

Input parameters:

- `effectiveDate` (string, required): Date the supplied rates and policy assumptions were confirmed.
- `grossAnnualIncome` (number, required): Gross annual household income in Canadian dollars.
- `housing` (object)
- `jurisdiction` (string): Canadian calculations only.
- `monthlyPayment` (number, required): Monthly mortgage principal-and-interest payment in Canadian dollars.
- `otherMonthlyDebts` (number): Total other monthly debt obligations in Canadian dollars.
- `tolerances` (object)

Output parameters:

- `calculation` (object)
- `calculationVersion` (string)
- `currency` (string)
- `disclaimer` (string)
- `effectiveDate` (string)
- `jurisdiction` (string)
- `tool` (string)

### `calculate_ltv` (~214 tokens)

Calculate LTV and CLTV

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.

Input parameters:

- `appraisedValue` (number): Property appraised value in Canadian dollars.
- `effectiveDate` (string, required): Date the supplied rates and policy assumptions were confirmed.
- `jurisdiction` (string): Canadian calculations only.
- `loanAmount` (number, required): 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)

Output parameters:

- `calculation` (object)
- `calculationVersion` (string)
- `currency` (string)
- `disclaimer` (string)
- `effectiveDate` (string)
- `jurisdiction` (string)
- `tool` (string)

### `estimate_prepayment_penalty` (~230 tokens)

Estimate a Mortgage Prepayment Penalty

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.

Input parameters:

- `annualRate` (number, required): 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, required): Date the supplied rates and policy assumptions were confirmed.
- `jurisdiction` (string): Canadian calculations only.
- `method` (string)
- `principal` (number, required): Outstanding mortgage balance in Canadian dollars.
- `remainingTermMonths` (integer, required): Number of months remaining in the mortgage term.

Output parameters:

- `calculation` (object)
- `calculationVersion` (string)
- `currency` (string)
- `disclaimer` (string)
- `effectiveDate` (string)
- `jurisdiction` (string)
- `tool` (string)

## Diagnostics

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

## Score history

- 2026-09-22: 82
- 2026-09-21: 82
- 2026-09-20: 82
- 2026-09-19: 82
- 2026-09-18: 82
- 2026-09-17: 82
- 2026-09-16: 81
- 2026-09-15: 81
- 2026-09-14: 80
- 2026-09-13: 80
- 2026-09-12: 79
- 2026-09-11: 79
- 2026-09-10: 78
- 2026-09-09: 78
- 2026-09-08: 77
- 2026-09-07: 77
- 2026-09-06: 76
- 2026-09-05: 76
- 2026-09-04: 75
- 2026-09-03: 75
- 2026-09-02: 75
- 2026-09-01: 74
- 2026-08-31: 74
- 2026-08-30: 73
- 2026-08-29: 73
- 2026-08-28: 72
- 2026-08-27: 72
- 2026-08-26: 71
- 2026-08-25: 69
- 2026-08-24: 69

## Common questions

### 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.

## Links

- Remote endpoint: https://mcp.claratech.ai/mcp
- Website: https://www.claratech.ai/mortgage-assistant
- Changelog RSS feed: https://verifymcp.io/servers/clara-finance-clara-mortgage-assistant/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/clara-finance-clara-mortgage-assistant/mcp.json
- HTML version of this page: https://verifymcp.io/servers/clara-finance-clara-mortgage-assistant/mcp