MonitorBankRates
REMOTE · MCP.MONITORBANKRATES.COM
Live US bank and credit union rates, mortgage lenders, and housing and insurance indexes.
Available components
Last scanned (9 hours ago)
Scores higher than 13% 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 Security71
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- The endpoint enforces authorisation, but returns a challenge with no valid RFC 9728 metadata, so a client cannot discover where to get a token. See how to fix → View diagnostics → Fail
- HTTPS enforcement could not be verified: the plaintext port answered with HTTP 403, which proves neither a plaintext path nor enforcement. View diagnostics → Unverified
- 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 & Reachability0
- Transport blocked by authentication: the endpoint requires auth we don't have to verify streamable-http. See how to fix → View diagnostics → Unverified
Schema Quality & AI Usability0
- Schema blocked by authentication: the endpoint requires auth we don't have to read it. See how to fix → Unverified
Stability & Change Management0
- Stability not yet verified: not enough scan history yet (needs a 30-day window).Unverified
Tool Coverage0
- Tool coverage blocked by authentication: the endpoint requires auth we don't have to read its tools.Unverified
Tool Safety0
- Tool safety blocked by authentication: the endpoint requires auth we don't have to read its tools.Unverified
Capabilities0
- Capabilities blocked by authentication: the endpoint requires auth we don't have to read them. See how to fix → Unverified
Unverified: 6 categories
Categories scored 0 because we could not verify them: authentication we do not have, an unreachable endpoint, or not enough scan history. We only credit what we can confirm. Claim this server and supply a read-only token to verify it and lift the score.
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.
- 2 Nov 26 −34
- Endpoint reachability: reachable → behind authorisation ▼ security
- Tool safety: pass → unverified ▼ security
- Transport: pass → unverified ▼ security
- Stability: 0.03 → unverified ▼ security
- Authorization: partial → fail ▼ security
- Capabilities: fail → unverified ▼ functional
- Tool coverage: 100 → unverified ▼ functional
- First check of Schema quality: unverified functional
- 1 Nov 26 0
- Stability: unverified → 0.03 ▲ functional
- 31 Oct 26 62
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.monitorbankrates.com/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=monitorbankrates.com | CN=WE1,O=Google Trust Services,C=US | 1 Nov 2026 | 30 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | f7acd250530d5de613167493a3d1db66 |
| SANs: monitorbankrates.com, mcp.monitorbankrates.com, *.mcp.monitorbankrates.com | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of mcp.monitorbankrates.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| monitorbankrates.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication Challenged, unverified
The endpoint asked for a token, but we could not retrieve and validate the RFC 9728 metadata that tells a client how to obtain one.
| Result | Challenged, unverified |
|---|---|
| Enforced | On connection |
| HTTP status | 403 |
| Header | Value |
|---|---|
| x-frame-options | SAMEORIGIN |
| referrer-policy | same-origin |
Protected resource metadata
| Retrieved | No |
|---|---|
| Problem | no_resource_metadata |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://mcp.monitorbankrates.com/mcp | Auth required | 403 | |
| http (plaintext) | http://mcp.monitorbankrates.com/mcp | Inconclusive | 403 |
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 →
calculate_loan Loan payment calculator ~358
Payment estimates at today's MonitorBankRates average rate for the state (or national), or a rate you pass. calculator = mortgage (monthly principal and interest; pass amount, or home_price and optional down_payment), refinance (new payment, and with current_rate the monthly savings and breakeven months), home_equity_loan (fixed payment), heloc (interest only payment during the draw period, payment once repayment starts, and the payment if the rate rises 1 point), or auto. Returns the inputs and assumptions used and a link to the matching MonitorBankRates calculator page.
| Name | Type | Req | Description |
|---|---|---|---|
| amount | number | – | Loan amount or balance in dollars. |
| calculator | string | yes | – |
| closing_costs | number | – | Refinance only: closing costs in dollars (default 2% of the balance). |
| current_rate | number | – | Refinance only: rate on the current loan, in percent. |
| current_years_left | number | – | Refinance only: years left on the current loan. |
| down_payment | number | – | Mortgage only: down payment in dollars (default 20% of home_price). |
| draw_years | number | – | HELOC only: draw period in years (default 10). |
| home_price | number | – | Mortgage only: home price, used when amount is not given. |
| rate | number | – | Optional interest rate in percent. Omit to use today's MonitorBankRates average. |
| state | string | – | Optional two-letter state code or name, for the state average rate. |
| years | number | – | Loan term in years (HELOC: the repayment period). Defaults: mortgage and refinance 30, home equity loan 15, HELOC 20, auto 5. |
No output schema declared.
No examples provided.
get_average_rates Average rates and trends ~174
MonitorBankRates national or state average rates (APY for deposits, APR for loans) computed daily from every published rate across 8,000+ banks and credit unions. Returns the latest value, change over 1 week / 1 month / 3 months, institution and quote counts, and a daily history. Good for "what are CD rates doing", "average mortgage rate in Texas", "average refinance rate", "are savings rates falling".
| Name | Type | Req | Description |
|---|---|---|---|
| days | integer | – | Days of history to return. |
| keys | array | yes | One or more rate keys (see list_rate_keys), e.g. ["12-month","60-month"], ["30-year"] or ["refinance-30-year"]. |
| state | string | – | Optional two-letter state code or name. Omit for the national average. |
No output schema declared.
No examples provided.
get_best_rates Best rates by product ~302
Top live rates from MonitorBankRates.com for one product (CDs by term, savings, money market, checking, mortgages, refinance, home equity, auto loans, personal loans, credit cards), nationally, for one U.S. state, or for a city (local branches first). Returns one best quote per institution with the institution health grade, minimum deposit, as-of date, and a link. Use list_rate_keys to see valid product_key values (e.g. "12-month", "high-yield_savings", "30-year", "refinance-30-year", "new-auto").
| Name | Type | Req | Description |
|---|---|---|---|
| city | string | – | Optional city name (needs state), e.g. Norwalk. Institutions with a branch in that city come first, flagged local, with up to 3 branch addresses there; the rest of the list is filled from the state. |
| institution_type | string | – | Optional filter. |
| limit | integer | – | – |
| min_deposit | number | – | Deposits only: exclude products whose minimum deposit is above this dollar amount. |
| product_key | string | yes | Rate key from list_rate_keys, for example 12-month, high-yield_savings, 30-year, refinance-30-year, refinance-15-year, heloc, new-auto, credit-card. |
| state | string | – | Optional two-letter state code or state name. Returns institutions headquartered or with branches in that state. Omit for national. |
No output schema declared.
No examples provided.
get_index Housing affordability and insurance indexes ~214
MonitorBankRates proprietary indexes. "hai" = MBR Housing Affordability Index (daily; 100 = median household exactly affords the median home at today's average 30-year rate; higher is more affordable), with national score, state score and rank, and 90-day history; with a city, the city score, its rank in the state, and the home value, income and payment behind it. "hibi" = Home Insurance Burden Index and "aibi" = Auto Insurance Burden Index (annual; 100 = U.S. average burden; higher is heavier), with state rankings plus an estimated monthly homeowners or car insurance cost for the state or city, by insurer, with the cheapest insurer.
| Name | Type | Req | Description |
|---|---|---|---|
| city | string | – | Optional city name (needs state), e.g. Stamford. hai: city score, rank and inputs. hibi/aibi: city insurance cost estimate by insurer. |
| index | string | yes | – |
| state | string | – | Optional two-letter state code or name. |
No output schema declared.
No examples provided.
get_institution Institution rates and health grade ~63
All current deposit and loan rates MonitorBankRates tracks for one bank or credit union, plus its MBR health letter grade, star rating, Texas ratio, branch states, and page link. Pass the slug from search_institutions.
| Name | Type | Req | Description |
|---|---|---|---|
| slug | string | yes | – |
No output schema declared.
No examples provided.
get_mortgage_lenders Top mortgage lenders and brokers ~208
Mortgage lenders and brokers in a U.S. state or city, ranked by home loans closed in the latest federal HMDA (Home Mortgage Disclosure Act) data, from the MonitorBankRates lender directory. Returns each lender's loans closed, market share, approval share, median loan, loan programs (Conventional, FHA, VA, USDA, Jumbo, HELOC), headquarters, and MBR health grade for banks and credit unions. Good for "best mortgage lenders in Florida", "FHA lenders in Tampa", "credit unions that do mortgages in Ohio".
| Name | Type | Req | Description |
|---|---|---|---|
| city | string | – | Optional city name, e.g. Tampa. Falls back to the state list when the city has no list. |
| lender_type | string | – | Optional filter. Mortgage company includes brokers and non-bank lenders. |
| limit | integer | – | – |
| program | string | – | Optional: only lenders that closed loans in this program. |
| state | string | yes | Two-letter state code or state name. |
No output schema declared.
No examples provided.
list_rate_keys List rate keys and states ~56
Lists every rate key accepted by get_best_rates and get_average_rates with its label, product group, and whether it is measured as APY (deposits) or APR (loans). Also lists U.S. state codes.
Input schema present but exposes no named parameters.
No output schema declared.
No examples provided.
search_institutions Find a bank or credit union ~75
Search MonitorBankRates' directory of 8,000+ U.S. banks and credit unions by name. Returns matches with type, home state, MBR health grade, how many rates are tracked, and the slug to pass to get_institution.
| Name | Type | Req | Description |
|---|---|---|---|
| limit | integer | – | – |
| query | string | yes | – |
No output schema declared.
No examples provided.
How do I install the MonitorBankRates MCP server?
MonitorBankRates is a hosted endpoint at https://mcp.monitorbankrates.com/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.
remote · mcp.monitorbankrates.com
claude mcp add --transport http com-monitorbankrates-rates 'https://mcp.monitorbankrates.com/mcp'
What is the MonitorBankRates MCP server?
MonitorBankRates is an MCP server listed in the public MCP registry as com.monitorbankrates/rates. Live US bank and credit union rates, mortgage lenders, and housing and insurance indexes. This page covers its hosted endpoint (https://mcp.monitorbankrates.com/mcp).
Is the MonitorBankRates MCP server safe to use?
MonitorBankRates scores 28 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 MonitorBankRates MCP server expose?
MonitorBankRates exposes 8 tools: get_best_rates, get_average_rates, search_institutions, get_institution, get_mortgage_lenders, and 3 more. Their descriptions and schemas cost roughly 1,450 tokens of context every time the server is loaded.
Does the MonitorBankRates MCP server require authentication?
Yes. MonitorBankRates asked us for credentials when we connected, so you will need to authorise it in your MCP client before it can do anything.
Is the MonitorBankRates MCP server still maintained?
MonitorBankRates 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.