# Open Financial Mortgages (remote · mcp.openfinancial.ca)

Ontario, Canada mortgage options, published lender rates and a link to a licensed broker.

- Trust score: 68/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `mcp.openfinancial.ca`: 68/100 (this document), [markdown](https://verifymcp.io/servers/clara-finance-open-financial-mortgage-options/mcp-open.md), [page](https://verifymcp.io/servers/clara-finance-open-financial-mortgage-options/mcp-open)

## Channel facts

- Endpoint: `https://mcp.openfinancial.ca/mcp/open`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## 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**: 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**: 51/100
  - 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.
- **Stability & Change Management**: 23/100
  - Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 70/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 11% 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 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.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### 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.

### Claude

```bash
claude mcp add --transport http clara-finance-open-financial-mortgage-options 'https://mcp.openfinancial.ca/mcp/open'
```

### Cursor

```json
{
  "mcpServers": {
    "clara-finance-open-financial-mortgage-options": {
      "url": "https://mcp.openfinancial.ca/mcp/open"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "clara-finance-open-financial-mortgage-options": {
      "type": "http",
      "url": "https://mcp.openfinancial.ca/mcp/open"
    }
  }
}
```

### Codex

```toml
[mcp_servers.clara-finance-open-financial-mortgage-options]
url = "https://mcp.openfinancial.ca/mcp/open"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "clara-finance-open-financial-mortgage-options": {
      "type": "remote",
      "url": "https://mcp.openfinancial.ca/mcp/open",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add clara-finance-open-financial-mortgage-options --url 'https://mcp.openfinancial.ca/mcp/open' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  clara-finance-open-financial-mortgage-options:
    url: "https://mcp.openfinancial.ca/mcp/open"
```

### Netclaw

```json
{
  "McpServers": {
    "clara-finance-open-financial-mortgage-options": {
      "Transport": "http",
      "Url": "https://mcp.openfinancial.ca/mcp/open"
    }
  }
}
```

### Vellum

```bash
assistant mcp add clara-finance-open-financial-mortgage-options -t streamable-http -u 'https://mcp.openfinancial.ca/mcp/open'
```

### Other

```json
{
  "mcpServers": {
    "clara-finance-open-financial-mortgage-options": {
      "type": "http",
      "url": "https://mcp.openfinancial.ca/mcp/open"
    }
  }
}
```

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.

### 2026-11-05 (score 68, +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.

### 2026-11-03 (score 67, +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.

### 2026-11-01 (score 66, +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.

### 2026-10-30 (score 65, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-29 (score 64)

First indexed and scored.

## MCP tools (5)

### `analyze_mortgage_scenario` (~213 tokens)

Analyze mortgage scenario

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.

Input parameters:

- `city` (string)
- `employmentType` (string)
- `estimatedPropertyValue` (number)
- `existingMortgageBalances` (array)
- `householdIncomeRange` (string)
- `propertyType` (string)
- `province` (string)
- `purpose` (string)
- `renewalMonth` (string)
- `requestedAdditionalAmount` (number)
- `selfReportedCreditRange` (string)
- `timing` (string)

### `get_financing_options` (~193 tokens)

Explore financing categories

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.

Input parameters:

- `city` (string)
- `employmentType` (string)
- `estimatedPropertyValue` (number)
- `existingMortgageBalances` (array)
- `householdIncomeRange` (string)
- `propertyType` (string)
- `province` (string)
- `purpose` (string)
- `renewalMonth` (string)
- `requestedAdditionalAmount` (number)
- `selfReportedCreditRange` (string)
- `timing` (string)

### `estimate_home_equity` (~183 tokens)

Estimate home equity

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.

Input parameters:

- `city` (string)
- `employmentType` (string)
- `estimatedPropertyValue` (number)
- `existingMortgageBalances` (array)
- `householdIncomeRange` (string)
- `propertyType` (string)
- `province` (string)
- `purpose` (string)
- `renewalMonth` (string)
- `requestedAdditionalAmount` (number)
- `selfReportedCreditRange` (string)
- `timing` (string)

### `search_published_mortgage_rates` (~289 tokens)

Search published mortgage rates

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.

Input parameters:

- `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.

### `get_open_financial_broker_help` (~60 tokens)

Reach an Open Financial mortgage professional

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.

## Diagnostics

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

## Score history

- 2026-11-05: 68
- 2026-11-04: 67
- 2026-11-03: 67
- 2026-11-02: 66
- 2026-11-01: 66
- 2026-10-31: 65
- 2026-10-30: 65
- 2026-10-29: 64

## Common questions

### 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.

## Links

- Remote endpoint: https://mcp.openfinancial.ca/mcp/open
- Website: https://www.openfinancial.ca/
- Changelog RSS feed: https://verifymcp.io/servers/clara-finance-open-financial-mortgage-options/mcp-open.xml
- Changelog JSON feed: https://verifymcp.io/servers/clara-finance-open-financial-mortgage-options/mcp-open.json
- HTML version of this page: https://verifymcp.io/servers/clara-finance-open-financial-mortgage-options/mcp-open