{"$schema":"https://verifymcp.io/schemas/trust-report.json","schemaVersion":1,"license":{"name":"CC BY-NC 4.0","url":"https://creativecommons.org/licenses/by-nc/4.0/"},"generatedAt":"2026-11-05T18:26:07.172Z","url":"https://verifymcp.io/servers/clara-finance-open-financial-mortgage-options/mcp-open","markdownUrl":"https://verifymcp.io/servers/clara-finance-open-financial-mortgage-options/mcp-open.md","server":{"slug":"clara-finance-open-financial-mortgage-options","name":"Open Financial Mortgages","registryName":"io.github.clara-finance/open-financial-mortgage-options","description":"Ontario, Canada mortgage options, published lender rates and a link to a licensed broker.","registryStatus":"active","deletedAt":null,"statusMessage":null,"liveness":"live","publisher":{"class":"unknown","claimed":false}},"component":{"slug":"mcp-open","type":"remote","identifier":"https://mcp.openfinancial.ca/mcp/open","withdrawn":false,"url":"https://verifymcp.io/servers/clara-finance-open-financial-mortgage-options/mcp-open","version":"1.0.0","transport":null,"scoredAt":"2026-11-05T05:10:06.790Z"},"score":{"total":68,"tier":"medium","status":"scored","weekDelta":4,"history":[{"date":"2026-11-05","total":68},{"date":"2026-11-04","total":67},{"date":"2026-11-03","total":67},{"date":"2026-11-02","total":66},{"date":"2026-11-01","total":66},{"date":"2026-10-31","total":65},{"date":"2026-10-30","total":65},{"date":"2026-10-29","total":64}]},"categories":[{"name":"Endpoint Security","score":74,"verdict":"fail","reasons":["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.","HSTS check failed: the Strict-Transport-Security header is absent.","DNSSEC check failed: this domain isn't protected by DNSSEC."],"codes":[{"code":"tls.valid","args":{}},{"code":"auth.none_no_destructive","args":{}},{"code":"https.enforced","args":{}},{"code":"headers.hsts_absent","args":{}},{"code":"dnssec.absent","args":{}}]},{"name":"Transport & Reachability","score":100,"verdict":"pass","reasons":["Verified streamable-http transport via a live MCP handshake."],"codes":[{"code":"transport.verified","args":{"transport":"streamable-http"}}]},{"name":"Schema Quality & AI Usability","score":51,"verdict":"fail","reasons":["AI-judged instruction clarity (good).","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.","Usage-examples check failed: none of the tools include examples."],"codes":[{"code":"schema.ai_quality","args":{"band":"good"}},{"code":"schema.footprint_heavy","args":{"avg":"282","items":"5","tools":"5","tokens":"1414","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":23,"verdict":"partial","reasons":["Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses."],"codes":[{"code":"stability.building_history","args":{"days":"7"}}]},{"name":"Tool Coverage","score":70,"verdict":"partial","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","11% of tool parameters carry a description."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"11"}}]},{"name":"Tool Safety","score":100,"verdict":"pass","reasons":["No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.","We read all 5 captured tool definition(s), and no name or description among them implies an irreversible operation.","An AI judge read all 6 captured unit(s) of tool text and found none that tries to manipulate the model reading it."],"codes":[{"code":"toolsafety.injection_clean","args":{}},{"code":"toolsafety.destructive_none","args":{"tools":"5"}},{"code":"toolsafety.manipulation_clean","args":{"units":"6","judged":"6"}}]},{"name":"Capabilities","score":100,"verdict":"pass","reasons":["Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28."],"codes":[{"code":"protocol.supported","args":{"latest":"2026-07-28","version":"2025-11-25"}}]}],"inconclusive":[],"malware":[],"components":[{"slug":"mcp-open","type":"remote","identifier":"https://mcp.openfinancial.ca/mcp/open","withdrawn":false,"score":68,"current":true,"url":"https://verifymcp.io/servers/clara-finance-open-financial-mortgage-options/mcp-open","markdownUrl":"https://verifymcp.io/servers/clara-finance-open-financial-mortgage-options/mcp-open.md"}],"facts":[{"label":"Endpoint","value":"https://mcp.openfinancial.ca/mcp/open"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"1.0.0"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"analyze_mortgage_scenario","title":"Analyze mortgage scenario","description":"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. 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A preliminary scenario only, not an eligibility decision, a lender offer or an approval.","inputs":[{"name":"city","type":"string","required":false,"description":null},{"name":"employmentType","type":"string","required":false,"description":null},{"name":"estimatedPropertyValue","type":"number","required":false,"description":null},{"name":"existingMortgageBalances","type":"array","required":false,"description":null},{"name":"householdIncomeRange","type":"string","required":false,"description":null},{"name":"propertyType","type":"string","required":false,"description":null},{"name":"province","type":"string","required":false,"description":null},{"name":"purpose","type":"string","required":false,"description":null},{"name":"renewalMonth","type":"string","required":false,"description":null},{"name":"requestedAdditionalAmount","type":"number","required":false,"description":null},{"name":"selfReportedCreditRange","type":"string","required":false,"description":null},{"name":"timing","type":"string","required":false,"description":null}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":213},{"name":"get_financing_options","title":"Explore financing categories","description":"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.","inputs":[{"name":"city","type":"string","required":false,"description":null},{"name":"employmentType","type":"string","required":false,"description":null},{"name":"estimatedPropertyValue","type":"number","required":false,"description":null},{"name":"existingMortgageBalances","type":"array","required":false,"description":null},{"name":"householdIncomeRange","type":"string","required":false,"description":null},{"name":"propertyType","type":"string","required":false,"description":null},{"name":"province","type":"string","required":false,"description":null},{"name":"purpose","type":"string","required":false,"description":null},{"name":"renewalMonth","type":"string","required":false,"description":null},{"name":"requestedAdditionalAmount","type":"number","required":false,"description":null},{"name":"selfReportedCreditRange","type":"string","required":false,"description":null},{"name":"timing","type":"string","required":false,"description":null}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":193},{"name":"estimate_home_equity","title":"Estimate home equity","description":"The same preliminary analysis, for when someone wants to know their estimated home equity and combined loan-to-value. 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A preliminary scenario only, not an eligibility decision, a lender offer or an approval.","inputs":[{"name":"city","type":"string","required":false,"description":null},{"name":"employmentType","type":"string","required":false,"description":null},{"name":"estimatedPropertyValue","type":"number","required":false,"description":null},{"name":"existingMortgageBalances","type":"array","required":false,"description":null},{"name":"householdIncomeRange","type":"string","required":false,"description":null},{"name":"propertyType","type":"string","required":false,"description":null},{"name":"province","type":"string","required":false,"description":null},{"name":"purpose","type":"string","required":false,"description":null},{"name":"renewalMonth","type":"string","required":false,"description":null},{"name":"requestedAdditionalAmount","type":"number","required":false,"description":null},{"name":"selfReportedCreditRange","type":"string","required":false,"description":null},{"name":"timing","type":"string","required":false,"description":null}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":183},{"name":"search_published_mortgage_rates","title":"Search published mortgage rates","description":"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. 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