# cmbs.loan: CMBS loan rates, lenders and servicing (remote · cmbs.loan)

CMBS rates, lenders, underwriting, maturity wall and loan sizing from SEC data; servicing rules.

- Trust score: 71/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `cmbs.loan`: 71/100 (this document), [markdown](https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs.md), [page](https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs)

## Channel facts

- Endpoint: `https://cmbs.loan/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.1`

## 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**: 74/100
  - 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.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 63/100
  - 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.
- **Stability & Change Management**: 13/100
  - Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% 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 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.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the cmbs.loan: CMBS loan rates, lenders and servicing MCP server?

cmbs.loan: CMBS loan rates, lenders and servicing is a hosted endpoint at https://cmbs.loan/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 loan-cmbs-cmbs-loan 'https://cmbs.loan/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "loan-cmbs-cmbs-loan": {
      "url": "https://cmbs.loan/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "loan-cmbs-cmbs-loan": {
      "type": "http",
      "url": "https://cmbs.loan/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.loan-cmbs-cmbs-loan]
url = "https://cmbs.loan/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add loan-cmbs-cmbs-loan --url 'https://cmbs.loan/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  loan-cmbs-cmbs-loan:
    url: "https://cmbs.loan/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "loan-cmbs-cmbs-loan": {
      "Transport": "http",
      "Url": "https://cmbs.loan/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add loan-cmbs-cmbs-loan -t streamable-http -u 'https://cmbs.loan/mcp'
```

### Other

```json
{
  "mcpServers": {
    "loan-cmbs-cmbs-loan": {
      "type": "http",
      "url": "https://cmbs.loan/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.

### 2026-11-05 (score 71, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 70, +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.

### 2026-11-02 (score 69, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-01 (score 69)

First indexed and scored.

## MCP tools (9)

### `special_servicing_timeline` (~140 tokens)

CMBS special servicing timeline

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.

Input parameters:

- `days_elapsed` (integer): Days since the missed payment due date or the maturity date. Omit to get the full sequence.
- `trigger` (string, required): missed_payment = a monthly payment went unpaid; missed_balloon = the loan was not repaid at maturity.

### `estimate_special_servicing_fees` (~308 tokens)

Estimate CMBS special servicing fees

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.

Input parameters:

- `balance` (number, required): Loan balance in dollars, e.g. 18000000.
- `months_in_special_servicing` (integer, required): Months the loan spends with the special servicer, e.g. 9.
- `months_to_maturity` (integer): Months from the loan's return to maturity, e.g. 30. Needed for outcome "corrected".
- `note_rate_pct` (number): Note rate in percent, e.g. 4.5. Needed for outcome "corrected" (the workout fee applies to interest collections).
- `outcome` (string, required): 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,…
- `proceeds` (number): Payoff or liquidation proceeds in dollars. Needed for outcome "payoff".

### `calculate_appraisal_reduction` (~237 tokens)

CMBS appraisal reduction amount

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.

Input parameters:

- `advances` (number): Unreimbursed P&I and servicing advances, with interest, in dollars. Default 0.
- `appraised_value` (number, required): New appraised value in dollars, e.g. 28000000.
- `balance` (number, required): Loan balance in dollars, e.g. 30000000.
- `other_due` (number): Unpaid taxes, insurance, ground rent, special servicing fees and other amounts due, in dollars. Default 0.
- `reserves` (number): Escrows, reserves and letters of credit in dollars. Default 0.
- `unpaid_interest` (number): Unpaid interest at the mortgage rate in dollars. Default 0.

### `get_cmbs_rates` (~125 tokens)

Current CMBS loan rates

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.

Input parameters:

- `property_type` (string): Property type: multifamily, retail, office, hotel, self-storage, industrial, mixed-use, mobile-home-park, co-op, healthcare. Omit for all types.

### `get_cmbs_underwriting` (~115 tokens)

CMBS underwriting medians

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.

Input parameters:

- `property_type` (string): Property type: multifamily, retail, office, hotel, self-storage, industrial, mixed-use, mobile-home-park, co-op, healthcare. Omit for all types.

### `find_cmbs_lenders` (~195 tokens)

Find CMBS lenders

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.

Input parameters:

- `limit` (integer): How many lenders to return, 1 to 30. Default 10.
- `loan_amount` (number): Loan amount in dollars, e.g. 12000000.
- `property_type` (string): Property type: multifamily, retail, office, hotel, self-storage, industrial, mixed-use, mobile-home-park, co-op, healthcare. Omit for all types.
- `state` (string): US state as a two-letter code (TX) or a name (Texas). Omit for all states.

### `get_cmbs_lender` (~113 tokens)

One CMBS lender's book

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".

Input parameters:

- `lender` (string, required): Lender name or slug, e.g. "Goldman Sachs" or "goldman-sachs".

### `get_cmbs_maturity_wall` (~149 tokens)

CMBS maturity wall

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).

Input parameters:

- `property_type` (string): Property type: multifamily, retail, office, hotel, self-storage, industrial, mixed-use, mobile-home-park, co-op, healthcare. Omit for all types.
- `state` (string): US state as a two-letter code (TX) or a name (Texas). Omit for all states.

### `size_cmbs_loan` (~359 tokens)

Size a CMBS loan

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.

Input parameters:

- `amortization_years` (integer): Amortization schedule in years. Required when interest_only is false.
- `interest_only` (boolean): true = interest-only for the full term (most recent CMBS loans). Default true.
- `max_ltv_pct` (number): Maximum loan to value in percent, e.g. 65.
- `min_debt_yield_pct` (number): Minimum debt yield in percent, e.g. 8.5.
- `min_dscr` (number): Minimum debt service coverage ratio, e.g. 1.30.
- `noi` (number, required): Underwritten net operating income (or net cash flow) per year in dollars, e.g. 1800000.
- `property_type` (string): Property type: multifamily, retail, office, hotel, self-storage, industrial, mixed-use, mobile-home-park, co-op, healthcare. Omit for all types.
- `property_value` (number, required): Appraised value or purchase price in dollars, e.g. 25000000.
- `rate_pct` (number): Note rate in percent, e.g. 6.5. Default: the 90-day median CMBS rate for the property type.

## Diagnostics

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

## Score history

- 2026-11-05: 71
- 2026-11-04: 70
- 2026-11-03: 70
- 2026-11-02: 69
- 2026-11-01: 69

## Common questions

### What is the cmbs.loan: CMBS loan rates, lenders and servicing MCP server?

cmbs.loan: CMBS loan rates, lenders and servicing is an MCP server listed in the public MCP registry as loan.cmbs/cmbs-loan. CMBS rates, lenders, underwriting, maturity wall and loan sizing from SEC data; servicing rules. This page covers its hosted endpoint (https://cmbs.loan/mcp).

### Is the cmbs.loan: CMBS loan rates, lenders and servicing MCP server safe to use?

cmbs.loan: CMBS loan rates, lenders and servicing scores 71 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 cmbs.loan: CMBS loan rates, lenders and servicing MCP server expose?

cmbs.loan: CMBS loan rates, lenders and servicing exposes 9 tools: special_servicing_timeline, estimate_special_servicing_fees, calculate_appraisal_reduction, get_cmbs_rates, get_cmbs_underwriting, and 4 more. Their descriptions and schemas cost roughly 1,741 tokens of context every time the server is loaded.

### Does the cmbs.loan: CMBS loan rates, lenders and servicing MCP server require authentication?

No. We connected to cmbs.loan: CMBS loan rates, lenders and servicing without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the cmbs.loan: CMBS loan rates, lenders and servicing MCP server still maintained?

cmbs.loan: CMBS loan rates, lenders and servicing 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 cmbs.loan: CMBS loan rates, lenders and servicing MCP server?

VerifyMCP ran 13 checks on cmbs.loan: CMBS loan rates, lenders and servicing, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. 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://cmbs.loan/mcp
- Website: https://cmbs.loan/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs.xml
- Changelog JSON feed: https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs.json
- HTML version of this page: https://verifymcp.io/servers/loan-cmbs-cmbs-loan/cmbs