Open Financial Mortgages
REMOTE · MCP.OPENFINANCIAL.CA
Ontario, Canada mortgage options, published lender rates and a link to a licensed broker.
Available components
Last scanned (5 hours ago)
Scores higher than 53% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
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 Usability51
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1414 tokens (~282/item across 5 items; 5 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 Management23
- Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage70
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 11% of tool parameters carry a description.Partial
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 5 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 6 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
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.
- 5 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.
- 3 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.
- 1 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.
- 30 Oct 26 +1
- Stability: unverified → 0.03 ▲ functional
- 29 Oct 26 64
First indexed and scored.
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 5 Nov 2026 · Probed https://mcp.openfinancial.ca/mcp/open
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=mcp.openfinancial.ca | CN=WR3,O=Google Trust Services,C=US | 22 Oct 2026 | 20 Jan 2027 | RSA 2048 | SHA256-RSA | dfe311904ef71d160a15ae63604e4ce5 |
| SANs: mcp.openfinancial.ca | ||||||
| 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.openfinancial.ca. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| ca. | present | 26384 | 13 | Verified |
| openfinancial.ca. | 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.openfinancial.ca/mcp/open | Verified | 200 | |
| http (plaintext) | http://mcp.openfinancial.ca/mcp/open | 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 →
analyze_mortgage_scenario Analyze mortgage scenario ~213
Preliminary analysis of a mortgage, refinancing, home-equity or debt-consolidation scenario: estimated equity, current and proposed combined loan-to-value, missing information and broad, unranked financing categories. Useful as a first look at someone's situation. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.
| Name | Type | Req | Description |
|---|---|---|---|
| city | string | – | – |
| employmentType | string | – | – |
| estimatedPropertyValue | number | – | – |
| existingMortgageBalances | array | – | – |
| householdIncomeRange | string | – | – |
| propertyType | string | – | – |
| province | string | – | – |
| purpose | string | – | – |
| renewalMonth | string | – | – |
| requestedAdditionalAmount | number | – | – |
| selfReportedCreditRange | string | – | – |
| timing | string | – | – |
No output schema declared.
No examples provided.
estimate_home_equity Estimate home equity ~183
The same preliminary analysis, for when someone wants to know their estimated home equity and combined loan-to-value. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.
| Name | Type | Req | Description |
|---|---|---|---|
| city | string | – | – |
| employmentType | string | – | – |
| estimatedPropertyValue | number | – | – |
| existingMortgageBalances | array | – | – |
| householdIncomeRange | string | – | – |
| propertyType | string | – | – |
| province | string | – | – |
| purpose | string | – | – |
| renewalMonth | string | – | – |
| requestedAdditionalAmount | number | – | – |
| selfReportedCreditRange | string | – | – |
| timing | string | – | – |
No output schema declared.
No examples provided.
get_financing_options Explore financing categories ~193
The same preliminary analysis, for when someone wants to know which broad kinds of financing they could explore. Categories are unranked and are not lender offers. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.
| Name | Type | Req | Description |
|---|---|---|---|
| city | string | – | – |
| employmentType | string | – | – |
| estimatedPropertyValue | number | – | – |
| existingMortgageBalances | array | – | – |
| householdIncomeRange | string | – | – |
| propertyType | string | – | – |
| province | string | – | – |
| purpose | string | – | – |
| renewalMonth | string | – | – |
| requestedAdditionalAmount | number | – | – |
| selfReportedCreditRange | string | – | – |
| timing | string | – | – |
No output schema declared.
No examples provided.
get_open_financial_broker_help Reach an Open Financial mortgage professional ~60
Returns the link to Open Financial's own intake form and its contact details, for when the user asks for help from a broker or licensed mortgage professional. It collects and sends nothing: the user enters their own details on openfinancial.ca.
Input schema present but exposes no named parameters.
No output schema declared.
No examples provided.
search_published_mortgage_rates Search published mortgage rates ~289
Searches the Ontario mortgage rates lenders have published, as recorded by Open Mortgage Rates, using filters such as mortgageType, term, position, minimumLtv, purpose or a lender keyword; with no filter it asks what to search for instead of listing every record. Returns each lender's own rate wording with its conditions, check date and source link, and a notice that goes with them. Useful when someone asks what rates lenders are publishing. It takes filters only, not names, contact details or dollar amounts. Published information, not a quote, offer, recommendation or eligibility assessment.
| Name | Type | Req | Description |
|---|---|---|---|
| fees | string | – | – |
| keyword | string | – | A lender name or a directory keyword such as "credit union", not a person's name or other personal details. |
| limit | integer | – | – |
| minimumLtv | string | – | Loan-to-value the user needs, as a percent, rounded UP to the next listed value. Use "all" when it cannot be worked out from what the user said. |
| mortgageType | string | – | Use "all" unless the user names or clearly describes a category. |
| position | string | – | – |
| purpose | string | – | "refinance" when the user says they are refinancing, taking equity out or consolidating debt; otherwise "all". |
| sort | string | – | – |
| term | string | – | Term in months. |
No output schema declared.
No examples provided.
How do I install the Open Financial Mortgages MCP server?
Open Financial Mortgages is a hosted endpoint at https://mcp.openfinancial.ca/mcp/open, 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.openfinancial.ca
claude mcp add --transport http clara-finance-open-financial-mortgage-options 'https://mcp.openfinancial.ca/mcp/open'
What is the Open Financial Mortgages MCP server?
Open Financial Mortgages is an MCP server listed in the public MCP registry as io.github.clara-finance/open-financial-mortgage-options. Ontario, Canada mortgage options, published lender rates and a link to a licensed broker. This page covers its hosted endpoint (https://mcp.openfinancial.ca/mcp/open).
Is the Open Financial Mortgages MCP server safe to use?
Open Financial Mortgages scores 68 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 Open Financial Mortgages MCP server expose?
Open Financial Mortgages exposes 5 tools: analyze_mortgage_scenario, get_financing_options, estimate_home_equity, search_published_mortgage_rates, get_open_financial_broker_help. Their descriptions and schemas cost roughly 938 tokens of context every time the server is loaded.
Does the Open Financial Mortgages MCP server require authentication?
No. We connected to Open Financial Mortgages without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Open Financial Mortgages MCP server still maintained?
Open Financial Mortgages 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.