# HMDA Mortgage Data (remote · mcp.olyport.com)

Home mortgage lending patterns, denial rates, and fair lending data

- Trust score: 64/100 (medium)
- Change this week: +6
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `mcp.olyport.com`: 64/100 (this document), [markdown](https://verifymcp.io/servers/com-olyport-hmda/hmda-mcp.md), [page](https://verifymcp.io/servers/com-olyport-hmda/hmda-mcp)

## Channel facts

- Endpoint: `https://mcp.olyport.com/hmda/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.1.0`

## 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 2026-08-03.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 4 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - 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**: 63/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 716 tokens (~179/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 71/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 0% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http com-olyport-hmda https://mcp.olyport.com/hmda/mcp
```

### Codex

```toml
[mcp_servers.com-olyport-hmda]
url = "https://mcp.olyport.com/hmda/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add com-olyport-hmda --url https://mcp.olyport.com/hmda/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-olyport-hmda:
    url: "https://mcp.olyport.com/hmda/mcp"
```

### Other

```json
{
  "mcpServers": {
    "com-olyport-hmda": {
      "type": "http",
      "url": "https://mcp.olyport.com/hmda/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.

### 2026-08-03 (score 64, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-08-01 (score 63, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 62, +2)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 60, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-28 (score 59, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 58, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 57)

First indexed and scored.

## MCP tools (4)

### `get_mortgage_data` (~283 tokens)

Get Home Mortgage Disclosure Act (HMDA) loan-level data.

    Returns mortgage application and origination records reported by
    financial institutions under HMDA. At least one geographic filter
    (state or county_fips) is recommended to limit results.

    Args:
        state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
        county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
        year: Data year (e.g. 2022). Defaults to 2022 if not specified.
        action_taken: Loan action code: '1' (originated), '2' (approved not
            accepted), '3' (denied), '4' (withdrawn), '5' (incomplete).
        loan_type: Loan type code: '1' (conventional), '2' (FHA-insured),
            '3' (VA-guaranteed), '4' (USDA/RHS).
        limit: Maximum number of records to return (default 100, max 1000).

Input parameters:

- `action_taken` (string)
- `county_fips` (string)
- `limit` (integer)
- `loan_type` (string)
- `state` (string)
- `year` (integer)

Output parameters:

- `result` (string)

### `get_aggregate_stats` (~143 tokens)

Get aggregate mortgage lending statistics for a geographic area.

    Returns summary statistics including total applications, originations,
    denials, and loan amounts. Useful for understanding overall lending
    activity in a state or county.

    Args:
        state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
        county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
        year: Data year (e.g. 2022). Defaults to 2022 if not specified.

Input parameters:

- `county_fips` (string)
- `state` (string)
- `year` (integer)

Output parameters:

- `result` (string)

### `get_denial_reasons` (~140 tokens)

Get mortgage denial reasons breakdown for a geographic area.

    Returns the distribution of denial reasons for mortgage applications
    that were denied. Useful for identifying barriers to homeownership
    in specific communities.

    Args:
        state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
        county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
        year: Data year (e.g. 2022). Defaults to 2022 if not specified.

Input parameters:

- `county_fips` (string)
- `state` (string)
- `year` (integer)

Output parameters:

- `result` (string)

### `get_lending_by_race` (~150 tokens)

Get mortgage lending patterns disaggregated by race and ethnicity.

    Returns mortgage origination and denial data broken down by the
    race/ethnicity of the applicant. Useful for fair lending analysis
    and identifying disparities in mortgage access.

    Args:
        state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
        county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
        year: Data year (e.g. 2022). Defaults to 2022 if not specified.

Input parameters:

- `county_fips` (string)
- `state` (string)
- `year` (integer)

Output parameters:

- `result` (string)

## Diagnostics

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

## Score history

- 2026-08-03: 64
- 2026-08-02: 63
- 2026-08-01: 63
- 2026-07-31: 62
- 2026-07-30: 60
- 2026-07-29: 59
- 2026-07-28: 59
- 2026-07-27: 58
- 2026-07-26: 57

## Links

- Remote endpoint: https://mcp.olyport.com/hmda/mcp
- Website: https://olyport.com/
- Changelog RSS feed: https://verifymcp.io/servers/com-olyport-hmda/hmda-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-olyport-hmda/hmda-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/com-olyport-hmda/hmda-mcp