{"$schema":"https://verifymcp.io/schemas/trust-report.json","schemaVersion":1,"license":{"name":"CC BY-NC 4.0","url":"https://creativecommons.org/licenses/by-nc/4.0/"},"generatedAt":"2026-11-05T17:24:34.793Z","url":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs","markdownUrl":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs.md","server":{"slug":"loan-cmbs-cmbs-loan","name":"cmbs.loan: CMBS loan rates, lenders and servicing","registryName":"loan.cmbs/cmbs-loan","description":"CMBS rates, lenders, underwriting, maturity wall and loan sizing from SEC data; servicing rules.","registryStatus":"active","deletedAt":null,"statusMessage":null,"liveness":"live","publisher":{"class":"unknown","claimed":false}},"component":{"slug":"cmbs","type":"remote","identifier":"https://cmbs.loan/mcp","withdrawn":false,"url":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs","version":"1.2026.1101.1","transport":null,"scoredAt":"2026-11-05T02:14:00.687Z"},"score":{"total":71,"tier":"medium","status":"scored","weekDelta":null,"history":[{"date":"2026-11-05","total":71},{"date":"2026-11-04","total":70},{"date":"2026-11-03","total":70},{"date":"2026-11-02","total":69},{"date":"2026-11-01","total":69}]},"categories":[{"name":"Endpoint Security","score":74,"verdict":"fail","reasons":["The endpoint's TLS certificate is valid, in date, and uses a strong key.","No authorisation is required to call this server. 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 is enforced; there's no plaintext access path.","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.enforced","args":{}},{"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":63,"verdict":"fail","reasons":["AI-judged instruction clarity (excellent).","Context-footprint check failed: tool/resource definitions use about 2128 tokens (~236/item across 9 items; 9 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":"236","items":"9","tools":"9","tokens":"2128","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":13,"verdict":"partial","reasons":["Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses."],"codes":[{"code":"stability.building_history","args":{"days":"4"}}]},{"name":"Tool Coverage","score":100,"verdict":"pass","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","100% of tool parameters carry a description."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"100"}}]},{"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 9 captured tool definition(s), and no name or description among them implies an irreversible operation.","An AI judge read all 10 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":"9"}},{"code":"toolsafety.manipulation_clean","args":{"units":"10","judged":"10"}}]},{"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":[],"malware":[],"components":[{"slug":"cmbs","type":"remote","identifier":"https://cmbs.loan/mcp","withdrawn":false,"score":71,"current":true,"url":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs","markdownUrl":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs.md"}],"facts":[{"label":"Endpoint","value":"https://cmbs.loan/mcp"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"1.2026.1101.1"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"special_servicing_timeline","title":"CMBS special servicing timeline","description":"The contractual sequence after a missed monthly payment or a missed balloon on a CMBS loan, day by day: transfer to the special servicer, SEC delinquency status codes, the appraisal reduction trigger and deadline, the 120-day maturity window, each with its PSA section. Give days_elapsed to get which events have already been triggered and the next one with days remaining.","inputs":[{"name":"days_elapsed","type":"integer","required":false,"description":"Days since the missed payment due date or the maturity date. Omit to get the full sequence."},{"name":"trigger","type":"string","required":true,"description":"missed_payment = a monthly payment went unpaid; missed_balloon = the loan was not repaid at maturity."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":140},{"name":"estimate_special_servicing_fees","title":"Estimate CMBS special servicing fees","description":"Special servicing, workout and liquidation fees on a CMBS loan for one outcome (loan corrected and paid at maturity, refinanced within 120 days of a missed maturity, or liquidated/discounted payoff), using the fee terms of a real 2025 pooling and servicing agreement: 0.25%/yr with a $3,500 monthly minimum, 1% workout fee with a $25,000 minimum, 1% to 3% liquidation fee. Returns each fee, the monthly fee and the total.","inputs":[{"name":"balance","type":"number","required":true,"description":"Loan balance in dollars, e.g. 18000000."},{"name":"months_in_special_servicing","type":"integer","required":true,"description":"Months the loan spends with the special servicer, e.g. 9."},{"name":"months_to_maturity","type":"integer","required":false,"description":"Months from the loan's return to maturity, e.g. 30. Needed for outcome \"corrected\"."},{"name":"note_rate_pct","type":"number","required":false,"description":"Note rate in percent, e.g. 4.5. Needed for outcome \"corrected\" (the workout fee applies to interest collections)."},{"name":"outcome","type":"string","required":true,"description":"corrected = three on-time payments, the loan returns and pays off at maturity; refi120 = missed balloon only, refinanced or repaid within 120 days of maturity; payoff = discounted payoff, note sale,…"},{"name":"proceeds","type":"number","required":false,"description":"Payoff or liquidation proceeds in dollars. Needed for outcome \"payoff\"."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":308},{"name":"calculate_appraisal_reduction","title":"CMBS appraisal reduction amount","description":"Appraisal Reduction Amount for a delinquent CMBS loan from a new appraisal, using the formula in a 2025 pooling and servicing agreement: balance minus (90% of appraised value + reserves - unpaid interest, advances and other amounts due). Returns the value side, the reduction, the share of scheduled interest the servicer keeps advancing, and the 25% deemed reduction that applies if no appraisal arrives in time.","inputs":[{"name":"advances","type":"number","required":false,"description":"Unreimbursed P&I and servicing advances, with interest, in dollars. Default 0."},{"name":"appraised_value","type":"number","required":true,"description":"New appraised value in dollars, e.g. 28000000."},{"name":"balance","type":"number","required":true,"description":"Loan balance in dollars, e.g. 30000000."},{"name":"other_due","type":"number","required":false,"description":"Unpaid taxes, insurance, ground rent, special servicing fees and other amounts due, in dollars. Default 0."},{"name":"reserves","type":"number","required":false,"description":"Escrows, reserves and letters of credit in dollars. Default 0."},{"name":"unpaid_interest","type":"number","required":false,"description":"Unpaid interest at the mortgage rate in dollars. Default 0."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":237},{"name":"get_cmbs_rates","title":"Current CMBS loan rates","description":"Median original note rates on CMBS loans securitized in the last 90 days, 180 days and 12 months, from SEC Form ABS-EE loan data, overall or for one property type, with the middle half, loan counts, the 5- vs 10-year split and recent months. Rates on closed loans, not a quote.","inputs":[{"name":"property_type","type":"string","required":false,"description":"Property type: multifamily, retail, office, hotel, self-storage, industrial, mixed-use, mobile-home-park, co-op, healthcare. Omit for all types."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":125},{"name":"get_cmbs_underwriting","title":"CMBS underwriting medians","description":"What CMBS lenders actually underwrote in the last 12 months, from SEC loan data: loan size, loan to value, debt service coverage, debt yield and occupancy (median and percentiles), interest-only share and 5/10-year term mix, overall or for one property type.","inputs":[{"name":"property_type","type":"string","required":false,"description":"Property type: multifamily, retail, office, hotel, self-storage, industrial, mixed-use, mobile-home-park, co-op, healthcare. Omit for all types."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":115},{"name":"find_cmbs_lenders","title":"Find CMBS lenders","description":"CMBS originators ranked by loan volume over the last 12 months, from the originator named on each loan in the trusts' SEC filings. Filter by property type, state and loan amount (keeps lenders whose securitized loan sizes span it). Returns volume, loan count, size range, median rate, leverage and a page per lender.","inputs":[{"name":"limit","type":"integer","required":false,"description":"How many lenders to return, 1 to 30. Default 10."},{"name":"loan_amount","type":"number","required":false,"description":"Loan amount in dollars, e.g. 12000000."},{"name":"property_type","type":"string","required":false,"description":"Property type: multifamily, retail, office, hotel, self-storage, industrial, mixed-use, mobile-home-park, co-op, healthcare. Omit for all types."},{"name":"state","type":"string","required":false,"description":"US state as a two-letter code (TX) or a name (Texas). Omit for all states."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":195},{"name":"get_cmbs_lender","title":"One CMBS lender's book","description":"One CMBS originator's securitized book from SEC filings: 12- and 24-month volume, loan sizes, median rate, leverage, property types, states and its most recent loans (property, city, amount, rate, term, trust). Give the lender's name or slug, e.g. \"Citi\" or \"wells-fargo\".","inputs":[{"name":"lender","type":"string","required":true,"description":"Lender name or slug, e.g. \"Goldman Sachs\" or \"goldman-sachs\"."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":113},{"name":"get_cmbs_maturity_wall","title":"CMBS maturity wall","description":"CMBS loans still reporting, by maturity year: count, balance, average note rate and the share whose NOI at securitization is under 9% of today's balance (a rough refinance-gap proxy), compared with today's median new-loan rate. Overall, by property type or by state (one filter at a time).","inputs":[{"name":"property_type","type":"string","required":false,"description":"Property type: multifamily, retail, office, hotel, self-storage, industrial, mixed-use, mobile-home-park, co-op, healthcare. Omit for all types."},{"name":"state","type":"string","required":false,"description":"US state as a two-letter code (TX) or a name (Texas). Omit for all states."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":149},{"name":"size_cmbs_loan","title":"Size a CMBS loan","description":"Maximum CMBS loan on a property under the three sizing tests lenders apply, and which one binds: loan to value x value, NOI / (DSCR x annual debt constant at the rate and amortization, or the rate if interest-only), and NOI / debt yield. Limits you omit default to what recent CMBS loans stayed within (90th percentile LTV, 10th percentile DSCR and debt yield, by property type), and the rate to the 90-day median.","inputs":[{"name":"amortization_years","type":"integer","required":false,"description":"Amortization schedule in years. Required when interest_only is false."},{"name":"interest_only","type":"boolean","required":false,"description":"true = interest-only for the full term (most recent CMBS loans). Default true."},{"name":"max_ltv_pct","type":"number","required":false,"description":"Maximum loan to value in percent, e.g. 65."},{"name":"min_debt_yield_pct","type":"number","required":false,"description":"Minimum debt yield in percent, e.g. 8.5."},{"name":"min_dscr","type":"number","required":false,"description":"Minimum debt service coverage ratio, e.g. 1.30."},{"name":"noi","type":"number","required":true,"description":"Underwritten net operating income (or net cash flow) per year in dollars, e.g. 1800000."},{"name":"property_type","type":"string","required":false,"description":"Property type: multifamily, retail, office, hotel, self-storage, industrial, mixed-use, mobile-home-park, co-op, healthcare. Omit for all types."},{"name":"property_value","type":"number","required":true,"description":"Appraised value or purchase price in dollars, e.g. 25000000."},{"name":"rate_pct","type":"number","required":false,"description":"Note rate in percent, e.g. 6.5. Default: the 90-day median CMBS rate for the property type."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":359}],"toolsTruncatedAtCapture":false,"diagnostics":{"capturedAt":"2026-11-05T02:14:00.000Z","track":"remote","endpoint":"https://cmbs.loan/mcp","declaredUrl":null,"truncated":false,"tls":{"outcome":"valid","label":"Valid","version":"TLS 1.3","cipherSuite":"TLS_AES_128_GCM_SHA256","chainError":null,"certificates":[{"subject":"CN=cmbs.loan","issuer":"CN=WE1,O=Google Trust Services,C=US","notBefore":"2026-10-24T19:37:25Z","notAfter":"2027-01-22T20:37:22Z","keyType":"ECDSA","keyBits":256,"isCa":false},{"subject":"CN=WE1,O=Google Trust Services,C=US","issuer":"CN=GTS Root R4,O=Google Trust Services LLC,C=US","notBefore":"2023-12-13T09:00:00Z","notAfter":"2029-02-20T14:00:00Z","keyType":"ECDSA","keyBits":256,"isCa":true},{"subject":"CN=GTS Root R4,O=Google Trust Services LLC,C=US","issuer":"CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE","notBefore":"2023-11-15T03:43:21Z","notAfter":"2028-01-28T00:00:42Z","keyType":"ECDSA","keyBits":384,"isCa":true}]},"dnssec":{"result":"insecure","label":"Not signed","name":"cmbs.loan.","steps":[{"zone":".","outcome":"verified","label":"Verified"},{"zone":"loan.","outcome":"verified","label":"Verified"},{"zone":"cmbs.loan.","outcome":"insecure_proven","label":"Unsigned (proven)"}]},"auth":{"outcome":"none","label":"No authorisation required","gate":null,"gateLabel":null,"status":200,"authorizationServers":[]},"httpsRedirect":{"outcome":"https_enforced","label":"HTTPS enforced","status":301},"transports":[{"transport":"streamable-http","outcome":"verified","label":"Verified","status":200,"followed":false}],"provenance":null,"installScripts":[],"installScriptsTotal":null,"vulnerabilities":[],"vulnerabilitiesTotal":null,"dependencies":null},"mismatches":[],"changelog":{"trackingSince":"2026-11-01","recent":[{"id":"chg_01a1a97c-0926-74ef-90d2-e59580ac28f3","kind":"score.total_changed","summary":"Trust score (70 → 71)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-11-05","url":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs#chg-chg_01a1a97c-0926-74ef-90d2-e59580ac28f3"},{"id":"chg_01a19f30-1df0-7a93-a194-a89cb720a545","kind":"score.total_changed","summary":"Trust score (69 → 70)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-11-03","url":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs#chg-chg_01a19f30-1df0-7a93-a194-a89cb720a545"},{"id":"chg_01a19a09-bf3e-76fd-843d-13f520602789","kind":"check.reverified","summary":"Stability (unverified → 0.03)","materiality":"functional","direction":"improvement","scoreDelta":null,"occurredOn":"2026-11-02","url":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs#chg-chg_01a19a09-bf3e-76fd-843d-13f520602789"},{"id":"chg_01a19958-6cd0-751b-ac70-f901b2a29e6a","kind":"score.first_scored","summary":"First indexed and scored","materiality":"functional","direction":"neutral","scoreDelta":null,"occurredOn":"2026-11-01","url":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs#chg-chg_01a19958-6cd0-751b-ac70-f901b2a29e6a"}],"truncated":false,"feedUrl":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs/changelog.json"},"links":{"html":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs","markdown":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs.md","changelogJson":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs/changelog.json","changelogRss":"https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs.xml","external":[{"label":"Remote endpoint","href":"https://cmbs.loan/mcp"},{"label":"Website","href":"https://cmbs.loan/developers/"}]}}