# Endorsement Index: HUD multifamily loans (remote · hudmultifamily.loan)

FHA-insured apartment loans from HUD's active file, plus HUD multifamily program rules and limits.

- Trust score: 68/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `hudmultifamily.loan`: 68/100 (this document), [markdown](https://verifymcp.io/servers/loan-hudmultifamily-hudmultifamily-loan/hudmultifamily.md), [page](https://verifymcp.io/servers/loan-hudmultifamily-hudmultifamily-loan/hudmultifamily)

## Channel facts

- Endpoint: `https://hudmultifamily.loan/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.0`

## 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 2026-11-05.

- **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**: 56/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1290 tokens (~215/item across 6 items; 6 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 10/100
  - Stability observed for 3 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).
  - 49% 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 6 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 7 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 Endorsement Index: HUD multifamily loans MCP server?

Endorsement Index: HUD multifamily loans is a hosted endpoint at https://hudmultifamily.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-hudmultifamily-hudmultifamily-loan 'https://hudmultifamily.loan/mcp'
```

### Cursor

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

### VS Code

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

### Codex

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

### opencode

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

### OpenClaw

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

### Hermes

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

### Netclaw

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

### Vellum

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

### Other

```json
{
  "mcpServers": {
    "loan-hudmultifamily-hudmultifamily-loan": {
      "type": "http",
      "url": "https://hudmultifamily.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 68, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 67, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-02 (score 66)

First indexed and scored.

## MCP tools (6)

### `search_loans` (~296 tokens)

Search FHA-insured apartment loans

Search every FHA-insured apartment loan in HUD's active multifamily file by state, city, program, note rate, years left, servicer or text. Returns HUD's figures (note rate, original amount, amortized balance, maturity, holder, servicer, Section of the Act) with a property page URL. Use it to find assumable low-rate loans, loans by a servicer, or a property's FHA number.

Input parameters:

- `city` (string): City, exact match (case-insensitive).
- `lihtc` (boolean)
- `limit` (integer)
- `max_balance` (number)
- `max_rate` (number): Maximum note rate, percent (e.g. 4 for assumable low-rate loans).
- `max_years_left` (number)
- `min_balance` (number): Minimum amortized balance, US dollars.
- `min_rate` (number): Minimum note rate, percent.
- `min_units` (integer)
- `min_years_left` (number): Minimum years to maturity.
- `offset` (integer)
- `program` (string)
- `q` (string): Words to match in property name, city, address, ZIP or FHA number.
- `servicer` (string): Servicer name fragment, e.g. Greystone.
- `sort` (string)
- `state` (string): Two-letter state code, e.g. TX.

### `get_loan` (~116 tokens)

Get one FHA-insured apartment loan

Look up one loan by its 8-digit HUD project (FHA) number: every field HUD publishes for it, plus years left, the property page URL, HUD physical inspection scores (latest and up to two prior, with release dates and REAC/NSPIRE scoring) and active Section 8 / rental assistance contracts (assisted units, expiration, latest renewal option), each with HUD as-of date and source.

Input parameters:

- `fha_number` (string, required): 8-digit HUD project number, e.g. 17635050.

### `program_facts` (~119 tokens)

HUD multifamily program rules

Current rules for a HUD multifamily program (223f, 221d4, 223a7, 241a, 220, 231, 213): max LTV/LTC and DSCR tiers (ML 2025-03), term, MIP (0.25%/0.25%), prepayment, Davis-Bacon, fees, commercial limits, plus live counts from HUD's file. Each rule has a primary source URL. Omit program for the summary of all.

Input parameters:

- `program` (string)

### `statutory_limit` (~158 tokens)

HUD statutory per-unit limit for a unit mix

Compute the CY2026 statutory mortgage limit for a unit mix: table amount per bedroom count (elevator or not) times the high cost percentage (270% standard for 2026, up to 315% project by project in High Cost Areas, 405% in Alaska, Hawaii, Guam and USVI). Also reports the ROAD to Housing Act base amounts, which are enacted but pending HUD implementation.

Input parameters:

- `elevator` (boolean)
- `high_cost_pct` (number)
- `program` (string)
- `unit_mix` (object, required): Units by bedroom count, e.g. {"0": 10, "1": 40, "2": 30, "3": 0, "4+": 0}.

### `size_223f` (~310 tokens)

Size a HUD 223(f) loan (lowest of LTV, DSCR, statutory limit)

Estimate maximum 223(f) proceeds as the lowest of: LTV (87% market, 90% affordable or 90%+ assisted), DSCR (1.15x market, 1.11x affordable) with debt service including the 0.25% annual MIP, the CY2026 statutory limit for the unit mix, and the cost-to-refinance or cash-out cap. Returns each test, the binding one, payment and MIP. If note_rate is omitted it uses the median note rate on 223(f) loans HUD endorsed in the last 12 months (realized history, not a quote). An estimate, not a commitment.

Input parameters:

- `category` (string)
- `cost_to_refinance` (number): Existing debt plus transaction costs and repairs, US dollars.
- `elevator` (boolean)
- `high_cost_pct` (number)
- `noi` (number, required): Annual underwritten net operating income, US dollars.
- `note_rate` (number): Note rate, percent, excluding MIP.
- `purpose` (string)
- `requested` (number): Requested loan amount, US dollars.
- `term_years` (number)
- `unit_mix` (object): Units by bedroom count, e.g. {"0": 10, "1": 40, "2": 30, "3": 0, "4+": 0}.
- `value` (number, required): Appraised value, US dollars.

### `hud_stats` (~78 tokens)

HUD apartment loan portfolio statistics

Totals and medians for FHA-insured apartment loans in HUD's active file: loan count, units, balances, median note rate, the 12-month realized-rate benchmark, and breakdowns by program and state. Pass state or program to narrow it.

Input parameters:

- `program` (string)
- `state` (string): Two-letter state code.

## Diagnostics

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

## Score history

- 2026-11-05: 68
- 2026-11-04: 67
- 2026-11-03: 67
- 2026-11-02: 66

## Common questions

### What is the Endorsement Index: HUD multifamily loans MCP server?

Endorsement Index: HUD multifamily loans is an MCP server listed in the public MCP registry as loan.hudmultifamily/hudmultifamily-loan. FHA-insured apartment loans from HUD's active file, plus HUD multifamily program rules and limits. This page covers its hosted endpoint (https://hudmultifamily.loan/mcp).

### Is the Endorsement Index: HUD multifamily loans MCP server safe to use?

Endorsement Index: HUD multifamily loans scores 68 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 Endorsement Index: HUD multifamily loans MCP server expose?

Endorsement Index: HUD multifamily loans exposes 6 tools: search_loans, get_loan, program_facts, statutory_limit, size_223f, hud_stats. Their descriptions and schemas cost roughly 1,077 tokens of context every time the server is loaded.

### Does the Endorsement Index: HUD multifamily loans MCP server require authentication?

No. We connected to Endorsement Index: HUD multifamily loans without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Endorsement Index: HUD multifamily loans MCP server still maintained?

Endorsement Index: HUD multifamily loans 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 Endorsement Index: HUD multifamily loans MCP server?

VerifyMCP ran 13 checks on Endorsement Index: HUD multifamily loans, 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://hudmultifamily.loan/mcp
- Website: https://hudmultifamily.loan/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loan-hudmultifamily-hudmultifamily-loan/hudmultifamily.xml
- Changelog JSON feed: https://verifymcp.io/servers/loan-hudmultifamily-hudmultifamily-loan/hudmultifamily/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/loan-hudmultifamily-hudmultifamily-loan/hudmultifamily.json
- HTML version of this page: https://verifymcp.io/servers/loan-hudmultifamily-hudmultifamily-loan/hudmultifamily