# io.github.financeratecalc/frc-mcp (npm · frc-mcp)

FHA denial statistics from the 2025 federal HMDA record. 12 tools incl. counterparty screen.

- Trust score: 81/100 (high trust)
- Change this week: 0
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-20

## Components

- remote · `frc-mcp.ziyetis.workers.dev`: 71/100, [markdown](https://verifymcp.io/servers/financeratecalc-frc-mcp/frc-mcp.md), [page](https://verifymcp.io/servers/financeratecalc-frc-mcp/frc-mcp)
- npm · `frc-mcp`: 81/100 (this document), [markdown](https://verifymcp.io/servers/financeratecalc-frc-mcp/frc-mcp-2.md), [page](https://verifymcp.io/servers/financeratecalc-frc-mcp/frc-mcp-2)

## Channel facts

- Registry: `npm`
- Package: `frc-mcp`
- Version: `1.1.0`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, 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 2026-09-20.

- **Supply Chain Security**: 98/100
  - No malware found by supply-chain analysis.
  - No known CVEs affecting this package version or its production dependencies.
  - No install/post-install scripts declared.
  - 31 of 96 dependencies flagged as unhealthy.
- **Provenance & Transparency**: 45/100
  - Source repository is publicly reachable at the declared URL.
  - Provenance check failed: no build-provenance attestation is published.
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 34 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 75/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 708 tokens (~141/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**: 90/100
  - Stability observed for 27 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 83/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 50% 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 io.github.financeratecalc/frc-mcp server?

io.github.financeratecalc/frc-mcp runs locally as an npm package, launched with npx -y frc-mcp. 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 financeratecalc-frc-mcp -- npx -y frc-mcp
```

### Cursor

```json
{
  "mcpServers": {
    "financeratecalc-frc-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "frc-mcp"
      ]
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "financeratecalc-frc-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "frc-mcp"
      ]
    }
  }
}
```

### Codex

```bash
codex mcp add financeratecalc-frc-mcp -- npx -y frc-mcp
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "financeratecalc-frc-mcp": {
      "type": "local",
      "command": [
        "npx",
        "-y",
        "frc-mcp"
      ],
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add financeratecalc-frc-mcp --command npx --arg -y --arg frc-mcp
```

### Hermes

```yaml
mcp_servers:
  financeratecalc-frc-mcp:
    command: "npx"
    args: ["-y", "frc-mcp"]
```

### Netclaw

```json
{
  "McpServers": {
    "financeratecalc-frc-mcp": {
      "Transport": "stdio",
      "Command": "npx",
      "Arguments": [
        "-y",
        "frc-mcp"
      ]
    }
  }
}
```

### Vellum

```bash
assistant mcp add financeratecalc-frc-mcp -t stdio -c npx -a -y frc-mcp
```

### Other

```json
{
  "mcpServers": {
    "financeratecalc-frc-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "frc-mcp"
      ]
    }
  }
}
```

## 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.

### 2026-09-19 (score 81, +1)

No change was recorded against any check on this day. Stability & Change Management went from 83 to 87. That category is still filling its 30-day observation window: 25 days of observed history at the previous scan, 26 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-17 (score 80, −3)

- [functional] Stability: pass → 0.80

### 2026-09-16 (score 83, +1)

- [security] Stability: 0.97 → pass

### 2026-09-14 (score 82, +1)

No change was recorded against any check on this day. Stability & Change Management went from 90 to 93. That category is still filling its 30-day observation window: 27 days of observed history at the previous scan, 28 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-12 (score 81, +1)

No change was recorded against any check on this day. Stability & Change Management went from 83 to 87. That category is still filling its 30-day observation window: 25 days of observed history at the previous scan, 26 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-10 (score 80, −3)

- [functional] Stability: pass → 0.80

### 2026-09-09 (score 83, +1)

- [security] Stability: 0.97 → pass

### 2026-09-07 (score 82, +1)

No change was recorded against any check on this day. Stability & Change Management went from 90 to 93. That category is still filling its 30-day observation window: 27 days of observed history at the previous scan, 28 at this one. The score rises as the window fills, whether or not the server changes.

## MCP tools (5)

### `get_national_fha_stats` (~102 tokens)

National FHA denial statistics from the 2025 federal record (denial rate on decisioned applications, volumes). Historical observation computed from the public CFPB HMDA 2025 record (denominator: actions 1,2,3; loan_type 2). Not a prediction about any individual application, and not a recommendation for or against any lender. Attribution: FinanceRateCalc (financeratecalc.com), CC BY 4.0.

### `get_lender_denial_stats` (~147 tokens)

FHA denial statistics for one lender by name, slug, or LEI: actual denial rate, peer-median comparison, mix-adjusted expected rate. Top-100 FHA lenders by volume are covered. Historical observation computed from the public CFPB HMDA 2025 record (denominator: actions 1,2,3; loan_type 2). Not a prediction about any individual application, and not a recommendation for or against any lender. Attribution: FinanceRateCalc (financeratecalc.com), CC BY 4.0.

Input parameters:

- `lender` (string, required): Lender name (e.g. 'AmeriSave'), slug, or 20-char LEI

### `list_lenders` (~136 tokens)

List covered FHA lenders sorted by denial rate (highest/lowest) or volume. Useful to see how widely the same federal program is applied across doors (2025 span: 1.8% to 78.7%). Historical observation computed from the public CFPB HMDA 2025 record (denominator: actions 1,2,3; loan_type 2). Not a prediction about any individual application, and not a recommendation for or against any lender. Attribution: FinanceRateCalc (financeratecalc.com), CC BY 4.0.

Input parameters:

- `limit` (integer)
- `sort` (string)

### `get_state_denial_stats` (~124 tokens)

FHA denial statistics for a US state (two-letter code), including the small-loan vs large-loan gap where published. Historical observation computed from the public CFPB HMDA 2025 record (denominator: actions 1,2,3; loan_type 2). Not a prediction about any individual application, and not a recommendation for or against any lender. Attribution: FinanceRateCalc (financeratecalc.com), CC BY 4.0.

Input parameters:

- `state` (string, required): Two-letter state code, e.g. OH, ID, CA

### `get_door_effect_summary` (~129 tokens)

The Door Effect: variance decomposition across 859,090 FHA decisions — 38% of explainable variation in denial outcomes is attributable to lender identity rather than the applicant's file, plus mix-adjusted strictest/most-lenient lender tables. Historical observation computed from the public CFPB HMDA 2025 record (denominator: actions 1,2,3; loan_type 2). Not a prediction about any individual application, and not a recommendation for or against any lender. Attribution: FinanceRateCalc (financeratecalc.com), CC BY 4.0.

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/financeratecalc-frc-mcp/frc-mcp-2#diagnostics

## Score history

- 2026-09-20: 81
- 2026-09-19: 81
- 2026-09-18: 80
- 2026-09-17: 80
- 2026-09-16: 83
- 2026-09-15: 82
- 2026-09-14: 82
- 2026-09-13: 81
- 2026-09-12: 81
- 2026-09-11: 80
- 2026-09-10: 80
- 2026-09-09: 83
- 2026-09-08: 82
- 2026-09-07: 82
- 2026-09-06: 81
- 2026-09-05: 81
- 2026-09-04: 80
- 2026-09-03: 80
- 2026-09-02: 79
- 2026-09-01: 79
- 2026-08-31: 78
- 2026-08-30: 78
- 2026-08-29: 77
- 2026-08-28: 77
- 2026-08-27: 77
- 2026-08-26: 76
- 2026-08-25: 74
- 2026-08-24: 74
- 2026-08-23: 73
- 2026-08-22: 73

## Common questions

### What is the io.github.financeratecalc/frc-mcp server?

io.github.financeratecalc/frc-mcp is listed in the public MCP registry as io.github.financeratecalc/frc-mcp. FHA denial statistics from the 2025 federal HMDA record. 12 tools incl. counterparty screen. This page covers its npm package (frc-mcp).

### Is the io.github.financeratecalc/frc-mcp server safe to use?

io.github.financeratecalc/frc-mcp scores 81 out of 100 on VerifyMCP. We found no known CVEs affecting it as of 20 September 2026. It declares no install or post-install scripts. 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 io.github.financeratecalc/frc-mcp server expose?

io.github.financeratecalc/frc-mcp exposes 5 tools: get_national_fha_stats, get_lender_denial_stats, list_lenders, get_state_denial_stats, get_door_effect_summary. Their descriptions and schemas cost roughly 638 tokens of context every time the server is loaded.

### Is the io.github.financeratecalc/frc-mcp server still maintained?

io.github.financeratecalc/frc-mcp is still listed as active in the MCP registry. We last reached this channel on 20 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What licence is the io.github.financeratecalc/frc-mcp server under?

io.github.financeratecalc/frc-mcp declares the MIT licence, which is OSI-approved. That covers the source only, and says nothing about the cost of any service it calls.

## Links

- npm package: https://www.npmjs.com/package/frc-mcp
- Socket report: https://socket.dev/npm/package/frc-mcp
- Repository: https://github.com/financeratecalc/frc-mcp
- Website: https://financeratecalc.com/mcp-server.html
- Changelog RSS feed: https://verifymcp.io/servers/financeratecalc-frc-mcp/frc-mcp-2.xml
- Changelog JSON feed: https://verifymcp.io/servers/financeratecalc-frc-mcp/frc-mcp-2.json
- HTML version of this page: https://verifymcp.io/servers/financeratecalc-frc-mcp/frc-mcp-2