Open Country: USDA Section 538 and 515 data
REMOTE · USDA538.LOANS
USDA rural eligibility, Section 538 income limits, 538 loans and lenders, 515 rentals.
Available components
Last scanned (7 hours ago)
Scores higher than 55% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
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. How we score → Why this is hard to score →
Endpoint Security74
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability62
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1410 tokens (~235/item across 6 items; 6 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management10
- Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 6 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 4 Nov 26 +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.
- 3 Nov 26 0
- Stability: unverified → 0.03 ▲ functional
- 2 Nov 26 69
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://usda538.loans/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=usda538.loans | CN=WE1,O=Google Trust Services,C=US | 24 Oct 2026 | 22 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | 30590156a89de8bb0ef81cb701d97d9b |
| SANs: usda538.loans | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of usda538.loans. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| loans. | present | 19444, 42307 | 8, 8 | Verified |
| usda538.loans. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://usda538.loans/mcp | Verified | 200 | |
| http (plaintext) | http://usda538.loans/mcp | HTTPS enforced | 301 | https://usda538.loans/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
check_rural_eligibility USDA rural eligibility for an address ~123
Checks one US street address against USDA Rural Development's ineligible-area map for its single family and multifamily housing programs (which governs Section 538): eligible or not on the current map, the proposed 2020-census map and the previous map, plus the matched address, county and place (Census Bureau geocoder, or OpenStreetMap and the FCC when Census does not answer).
| Name | Type | Req | Description |
|---|---|---|---|
| address | string | yes | Street address with city and state or ZIP, e.g. "100 Main St, Anamosa, IA 52205". |
No output schema declared.
No examples provided.
find_usda_rural_rentals USDA Section 515 and 514 rentals in a county ~181
Active USDA Section 515 rural rental and 514 farm labor housing properties in one county from USDA's file (as of October 19, 2026): name, address, housing type, bedroom mix, units, rental assistance units, recorded vacancies, accessible units, opening year, restriction end date and management company. Optional town filter; paged.
| Name | Type | Req | Description |
|---|---|---|---|
| city | string | – | Only properties in this town, e.g. "Anamosa". |
| county | string | yes | County or parish name, e.g. "Jones" or "Jones County". |
| limit | integer | – | How many rows to return (1 to 50, default 10). |
| offset | integer | – | Rows to skip, for paging (default 0). |
| state | string | yes | Two-letter state code, e.g. IA. |
No output schema declared.
No examples provided.
get_538_income_limits Section 538 income limits and rent caps ~234
FY2026 USDA Section 538 income limits (115% of area median income, 1 to 8 persons, effective July 13, 2026) for a county or USDA area in one state, with the per-unit rent cap (30% of the limit / 12) and the approximate project-average cap. Without county or area, lists every area in the state, paged.
| Name | Type | Req | Description |
|---|---|---|---|
| area | string | – | USDA area name or its start, e.g. "Des Moines" or "Iowa County, IA". |
| county | string | – | County or parish name, e.g. "Jones" or "Jones County". Matched to a USDA area through this site's OMB 2023 metro delineation match. |
| household_size | integer | – | Household size used for the rent caps (default 4). |
| limit | integer | – | How many rows to return (1 to 50, default 10). |
| offset | integer | – | Rows to skip, for paging (default 0). |
| state | string | yes | Two-letter state code, e.g. IA. |
No output schema declared.
No examples provided.
get_538_lender_table Section 538 lenders nationwide ~106
National Section 538 lender table from USDA's public file (as of October 19, 2026): each lender's loan count, total loan amount and latest fiscal year, ranked by loan count, plus the total portfolio and how many loans each state has. Paged.
| Name | Type | Req | Description |
|---|---|---|---|
| limit | integer | – | How many rows to return (1 to 50, default 10). |
| offset | integer | – | Rows to skip, for paging (default 0). |
No output schema declared.
No examples provided.
list_538_loans Section 538 loans in a state ~185
USDA's public Section 538 guaranteed loans in one state (file as of October 19, 2026): count, total amount, apartments, tax credit deals, median loan-to-cost and lenders, then loan rows (project, city, lender, closing date, amount, loan-to-cost, units, rents) newest first, paged and filterable by lender or fiscal year.
| Name | Type | Req | Description |
|---|---|---|---|
| lender | string | – | Only loans whose lender name contains this text, e.g. "Bonneville". |
| limit | integer | – | How many rows to return (1 to 50, default 10). |
| min_fiscal_year | integer | – | Only loans obligated in this USDA fiscal year or later. |
| offset | integer | – | Rows to skip, for paging (default 0). |
| state | string | yes | Two-letter state code, e.g. CA. |
No output schema declared.
No examples provided.
size_538_loan Size a Section 538 guaranteed loan ~360
Sizes a USDA Section 538 loan the way the site's loan sizer does: the 90% (for-profit) or 97% (nonprofit or public) cap on the lower of cost or value against the DSCR cap (1.15x default), with NOI, debt service, loan-to-cost and the 2026 guarantee fees. Arithmetic on your inputs, not a quote.
| Name | Type | Req | Description |
|---|---|---|---|
| amortization_years | integer | – | Amortization in years, 25 to 40 (default 40). |
| appraised_value | number | yes | Appraised value in dollars. |
| borrower | string | – | for_profit = 90% leverage cap; nonprofit_or_public = 97%. |
| dscr | number | – | Minimum DSCR (default 1.15; 1.11 for the first 200 preservation pilot loans). |
| fee_category | string | – | standard = 65 bp initial / 35 bp annual; reduced = 60 / 25 (workforce, 515 preservation or Opportunity Zone). |
| interest_rate_pct | number | yes | Your lender's quoted fixed rate in percent, e.g. 6.25. |
| opex_per_unit_year | number | yes | Operating expenses per unit per year incl. taxes, insurance, management and reserves. |
| other_income_per_unit_month | number | – | Other income per unit per month (default 0). |
| rent_per_unit_month | number | yes | Average rent per unit per month in dollars. |
| total_development_cost | number | yes | Total development cost in dollars. |
| units | integer | yes | Apartment units (538 requires at least 5). |
| vacancy_pct | number | – | Vacancy and collection loss on rent, percent (default 5). |
No output schema declared.
No examples provided.
How do I install the Open Country: USDA Section 538 and 515 data MCP server?
Open Country: USDA Section 538 and 515 data is a hosted endpoint at https://usda538.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.
remote · usda538.loans
claude mcp add --transport http loans-usda538-usda538-loans 'https://usda538.loans/mcp'
What is the Open Country: USDA Section 538 and 515 data MCP server?
Open Country: USDA Section 538 and 515 data is an MCP server listed in the public MCP registry as loans.usda538/usda538-loans. USDA rural eligibility, Section 538 income limits, 538 loans and lenders, 515 rentals. This page covers its hosted endpoint (https://usda538.loans/mcp).
Is the Open Country: USDA Section 538 and 515 data MCP server safe to use?
Open Country: USDA Section 538 and 515 data scores 70 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 Open Country: USDA Section 538 and 515 data MCP server expose?
Open Country: USDA Section 538 and 515 data exposes 6 tools: check_rural_eligibility, get_538_income_limits, list_538_loans, get_538_lender_table, find_usda_rural_rentals, size_538_loan. Their descriptions and schemas cost roughly 1,189 tokens of context every time the server is loaded.
Does the Open Country: USDA Section 538 and 515 data MCP server require authentication?
No. We connected to Open Country: USDA Section 538 and 515 data without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Open Country: USDA Section 538 and 515 data MCP server still maintained?
Open Country: USDA Section 538 and 515 data 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.