# MonitorBankRates (remote · mcp.monitorbankrates.com)

Live US bank and credit union rates, mortgage lenders, and housing and insurance indexes.

- Trust score: 28/100 (low)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `mcp.monitorbankrates.com`: 28/100 (this document), [markdown](https://verifymcp.io/servers/com-monitorbankrates-rates/mcp.md), [page](https://verifymcp.io/servers/com-monitorbankrates-rates/mcp)

## Channel facts

- Endpoint: `https://mcp.monitorbankrates.com/mcp`
- Transports: `streamable-http`
- Auth: `required (not validated)`
- Version: `2.0.2`

## 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**: 71/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - The endpoint enforces authorisation, but returns a challenge with no valid RFC 9728 metadata, so a client cannot discover where to get a token.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 403, 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.
- **Transport & Reachability**: 0/100
  - Transport blocked by authentication: the endpoint requires auth we don't have to verify streamable-http.
- **Schema Quality & AI Usability**: 0/100
  - Schema blocked by authentication: the endpoint requires auth we don't have to read it.
- **Stability & Change Management**: 0/100
  - Stability not yet verified: not enough scan history yet (needs a 30-day window).
- **Tool Coverage**: 0/100
  - Tool coverage blocked by authentication: the endpoint requires auth we don't have to read its tools.
- **Tool Safety**: 0/100
  - Tool safety blocked by authentication: the endpoint requires auth we don't have to read its tools.
- **Capabilities**: 0/100
  - Capabilities blocked by authentication: the endpoint requires auth we don't have to read them.

**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.

## Install

### 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.

### Claude

```bash
claude mcp add --transport http com-monitorbankrates-rates 'https://mcp.monitorbankrates.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-monitorbankrates-rates": {
      "url": "https://mcp.monitorbankrates.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-monitorbankrates-rates": {
      "type": "http",
      "url": "https://mcp.monitorbankrates.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-monitorbankrates-rates]
url = "https://mcp.monitorbankrates.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-monitorbankrates-rates": {
      "type": "remote",
      "url": "https://mcp.monitorbankrates.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-monitorbankrates-rates --url 'https://mcp.monitorbankrates.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-monitorbankrates-rates:
    url: "https://mcp.monitorbankrates.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-monitorbankrates-rates": {
      "Transport": "http",
      "Url": "https://mcp.monitorbankrates.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-monitorbankrates-rates -t streamable-http -u 'https://mcp.monitorbankrates.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-monitorbankrates-rates": {
      "type": "http",
      "url": "https://mcp.monitorbankrates.com/mcp"
    }
  }
}
```

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.

### 2026-11-02 (score 28, −34)

- [security regression] Endpoint reachability: reachable → behind authorisation
- [security regression] Tool safety: pass → unverified
- [security regression] Transport: pass → unverified
- [security regression] Stability: 0.03 → unverified
- [security regression] Authorization: partial → fail
- [functional regression] Capabilities: fail → unverified
- [functional regression] Tool coverage: 100 → unverified
- [functional] First check of Schema quality: unverified

### 2026-11-01 (score 62, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-31 (score 62)

First indexed and scored.

## MCP tools (8)

### `get_best_rates` (~302 tokens)

Best rates by product

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").

Input parameters:

- `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, required): 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.

### `get_average_rates` (~174 tokens)

Average rates and trends

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".

Input parameters:

- `days` (integer): Days of history to return.
- `keys` (array, required): 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.

### `search_institutions` (~75 tokens)

Find a bank or credit union

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.

Input parameters:

- `limit` (integer)
- `query` (string, required)

### `get_institution` (~63 tokens)

Institution rates and health grade

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.

Input parameters:

- `slug` (string, required)

### `get_mortgage_lenders` (~208 tokens)

Top mortgage lenders and brokers

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".

Input parameters:

- `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, required): Two-letter state code or state name.

### `calculate_loan` (~358 tokens)

Loan payment calculator

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.

Input parameters:

- `amount` (number): Loan amount or balance in dollars.
- `calculator` (string, required)
- `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.

### `get_index` (~214 tokens)

Housing affordability and insurance indexes

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.

Input parameters:

- `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, required)
- `state` (string): Optional two-letter state code or name.

### `list_rate_keys` (~56 tokens)

List rate keys and states

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.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-monitorbankrates-rates/mcp#diagnostics

## Score history

- 2026-11-05: 28
- 2026-11-04: 28
- 2026-11-03: 28
- 2026-11-02: 28
- 2026-11-01: 62
- 2026-10-31: 62

## Common questions

### 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.

### What did VerifyMCP test on the MonitorBankRates MCP server?

VerifyMCP ran 4 checks on MonitorBankRates, covering TLS certificate, Authorization, HSTS header and DNSSEC. 7 items could not be completed, a gap on our side rather than a finding about MonitorBankRates: HTTPS, Transport, Schema quality, Stability and 3 more. 6 categories score 0 for that reason, because we only credit what we can confirm. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://mcp.monitorbankrates.com/mcp
- Website: https://www.monitorbankrates.com/connector
- Changelog RSS feed: https://verifymcp.io/servers/com-monitorbankrates-rates/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-monitorbankrates-rates/mcp/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/com-monitorbankrates-rates/mcp.json
- HTML version of this page: https://verifymcp.io/servers/com-monitorbankrates-rates/mcp