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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 enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.","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.inconclusive","args":{"reason":"plaintext_status","status":"405"}},{"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":76,"verdict":"fail","reasons":["AI-judged instruction clarity (excellent).","Context-footprint check failed: tool/resource definitions use about 1590 tokens (~122/item across 13 items; 13 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":"excellent"}},{"code":"schema.footprint_heavy","args":{"avg":"122","items":"13","tools":"13","tokens":"1590","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":97,"verdict":"partial","reasons":["Stability observed for 29 of 30 days with no destabilising changes; credit accrues until the full window elapses."],"codes":[{"code":"stability.building_history","args":{"days":"29"}}]},{"name":"Tool Coverage","score":98,"verdict":"partial","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","93% of tool parameters carry a description."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"93"}}]},{"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 13 captured tool definition(s), and no name or description among them implies an irreversible operation.","An AI judge read all 14 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":"13"}},{"code":"toolsafety.manipulation_clean","args":{"units":"14","judged":"14"}}]},{"name":"Capabilities","score":100,"verdict":"pass","reasons":["Implements a current MCP spec version (2026-07-28)."],"codes":[{"code":"protocol.current","args":{"version":"2026-07-28"}}]}],"inconclusive":["HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement."],"malware":[],"components":[{"slug":"fru-api","type":"remote","identifier":"https://fru-api.freerateupdate.com/mcp","withdrawn":false,"score":80,"current":true,"url":"https://verifymcp.io/servers/com-freerateupdate-mortgage-home-equity/fru-api","markdownUrl":"https://verifymcp.io/servers/com-freerateupdate-mortgage-home-equity/fru-api.md"}],"facts":[{"label":"Endpoint","value":"https://fru-api.freerateupdate.com/mcp"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"1.1.0"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"get_mortgage_rates","title":"Mortgage and home equity rates","description":"Today's mortgage and home equity As Low As rates from FreeRateUpdate: the best rates and APRs we can verify being offered by lenders and brokers in our network, exactly as freerateupdate.com publishes them, one per product: HELOC, home equity loan and cash-out refinance first, then 30, 20, 15 and 10 year fixed, FHA, VA, jumbo and ARMs. Each rate comes with the example scenario it was quoted for (state, ZIP, property value, loan amount, credit score), points, fees, APR and loan-to-value. 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These are published limits, not advice: a limit is not a rate, an approval or an offer, and eligibility depends on the lender and the loan.","inputs":[{"name":"zip","type":"string","required":true,"description":"Five-digit ZIP code"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":135},{"name":"get_lender_score","title":null,"description":"The FreeRateUpdate Score (0-100) for a verified, currently in-network lender by company NMLS id, with factor breakdown and methodology link. Companies without a published current Score are not found.","inputs":[{"name":"nmls","type":"string","required":true,"description":"Company NMLS id"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":64},{"name":"get_network_rate_summary","title":null,"description":"Network-aggregate advertised-rate summary (min/avg APR + distinct-lender count per product bucket, min 5 lenders per bucket) from the latest fresh FreeRateUpdate rate snapshot. 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