# Tower and Wing: FHA-insured hospital loans (HUD Section 242) (remote · hospital.loans)

FHA-insured hospital loans from HUD files: search, hospital lookup, totals, Section 242 rules.

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

## Components

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

## Channel facts

- Endpoint: `https://hospital.loans/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**: 64/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 976 tokens (~244/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**: 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 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 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 Tower and Wing: FHA-insured hospital loans (HUD Section 242) MCP server?

Tower and Wing: FHA-insured hospital loans (HUD Section 242) is a hosted endpoint at https://hospital.loans/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 loans-hospital-hospital-loans 'https://hospital.loans/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "loans-hospital-hospital-loans": {
      "url": "https://hospital.loans/mcp"
    }
  }
}
```

### VS Code

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

### Codex

```toml
[mcp_servers.loans-hospital-hospital-loans]
url = "https://hospital.loans/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add loans-hospital-hospital-loans --url 'https://hospital.loans/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  loans-hospital-hospital-loans:
    url: "https://hospital.loans/mcp"
```

### Netclaw

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

### Vellum

```bash
assistant mcp add loans-hospital-hospital-loans -t streamable-http -u 'https://hospital.loans/mcp'
```

### Other

```json
{
  "mcpServers": {
    "loans-hospital-hospital-loans": {
      "type": "http",
      "url": "https://hospital.loans/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.

### 2026-11-04 (score 71, +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.

### 2026-11-02 (score 70, +1)

- [functional improvement] Stability: unverified → 0.03

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

First indexed and scored.

## MCP tools (4)

### `search_hospital_loans` (~329 tokens)

Search FHA-insured hospital loans

Searches every FHA-insured hospital loan in HUD's files (Section 242, 223(f), 223(a)(7) and 241(a)): the active loans or the terminated ones since 1968, filtered by hospital, system or city name, state, program, status (including loans that ended in an insurance claim) and endorsement years. Returns FHA number, hospital, program, amount, note rate, dates, balance or how the loan ended, and the hospital page link.

Input parameters:

- `endorsed_from_year` (integer): Earliest initial endorsement year, e.g. 2015.
- `endorsed_to_year` (integer): Latest initial endorsement year, e.g. 2024.
- `limit` (integer): Rows to return, 1 to 20.
- `offset` (integer): Rows to skip, for paging.
- `program` (string): FHA program: 242 (construction or renovation), 223(f) (refinance or purchase), 223(a)(7) (refinance of an FHA loan), 241(a) (supplemental).
- `query` (string): Words from a hospital, health system or city name, e.g. "Kaleida" or "Beaumont".
- `sort` (string): Order by initial endorsement date or by original amount.
- `state` (string): Two-letter state or territory code, e.g. NY.
- `status` (string): active = in HUD's active file; terminated = ended loans; claims = terminations HUD types as a claim; all = both files.

### `get_hospital` (~139 tokens)

FHA-insured loans of one hospital or health system

One hospital or health system with an active FHA-insured loan, by name, page slug or 8-digit FHA number: every active loan (program, original amount, note rate, initial and final endorsement, term, maturity, HUD balance, monthly P&I, servicer, tax-exempt bond flag), totals, and earlier terminated FHA hospital loans in the same city from HUD's terminated file.

Input parameters:

- `hospital` (string, required): Hospital or system name (e.g. "Ellis Hospital"), its hospital.loans slug (e.g. "kaleida-health") or an 8-digit FHA number (e.g. "11413003").

### `get_portfolio_stats` (~110 tokens)

FHA hospital loan portfolio statistics

Totals for FHA-insured hospital loans, nationally or for one state, computed from HUD's files: active loans and systems, original amount and HUD balance, median note rate, counts by program, loans still in construction, tax-exempt bond loans, and the history since 1968 (loans by endorsement decade, terminations, insurance claims and their original principal).

Input parameters:

- `state` (string): Two-letter state or territory code, e.g. NY. Omit for the whole US.

### `get_program_rules` (~167 tokens)

HUD hospital loan program rules

HUD's hospital mortgage insurance rules as hospital.loans publishes them, with citations: the four programs (242, 223(f), 223(a)(7), 241(a)) with what each finances, loan limit, term and MIP; the Section 242 eligibility tests (50% acute care, three-year operating margin, debt service coverage, HUD red flags); fees and reserves; and HUD's process steps with median processing days.

Input parameters:

- `program` (string): With topic "programs", return one program only.
- `topic` (string, required): programs = the four programs side by side; eligibility = the 24 CFR 242.16 tests and HUD red flags; fees = HUD fees, lender charge caps, reserve fund, prepayment; process = steps and median days.

## Diagnostics

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

## Score history

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

## Common questions

### What is the Tower and Wing: FHA-insured hospital loans (HUD Section 242) MCP server?

Tower and Wing: FHA-insured hospital loans (HUD Section 242) is an MCP server listed in the public MCP registry as loans.hospital/hospital-loans. FHA-insured hospital loans from HUD files: search, hospital lookup, totals, Section 242 rules. This page covers its hosted endpoint (https://hospital.loans/mcp).

### Is the Tower and Wing: FHA-insured hospital loans (HUD Section 242) MCP server safe to use?

Tower and Wing: FHA-insured hospital loans (HUD Section 242) 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 Tower and Wing: FHA-insured hospital loans (HUD Section 242) MCP server expose?

Tower and Wing: FHA-insured hospital loans (HUD Section 242) exposes 4 tools: search_hospital_loans, get_hospital, get_portfolio_stats, get_program_rules. Their descriptions and schemas cost roughly 745 tokens of context every time the server is loaded.

### Does the Tower and Wing: FHA-insured hospital loans (HUD Section 242) MCP server require authentication?

No. We connected to Tower and Wing: FHA-insured hospital loans (HUD Section 242) without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Tower and Wing: FHA-insured hospital loans (HUD Section 242) MCP server still maintained?

Tower and Wing: FHA-insured hospital loans (HUD Section 242) 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 Tower and Wing: FHA-insured hospital loans (HUD Section 242) MCP server?

VerifyMCP ran 13 checks on Tower and Wing: FHA-insured hospital loans (HUD Section 242), 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://hospital.loans/mcp
- Website: https://hospital.loans/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loans-hospital-hospital-loans/hospital.xml
- Changelog JSON feed: https://verifymcp.io/servers/loans-hospital-hospital-loans/hospital/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/loans-hospital-hospital-loans/hospital.json
- HTML version of this page: https://verifymcp.io/servers/loans-hospital-hospital-loans/hospital