# Commercial.Mortgage: programs, rates and loan sizer (remote · commercial.mortgage)

Match deals to commercial mortgage programs; program rules, live rates, loan sizing, prepayment.

- Trust score: 70/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `commercial.mortgage`: 70/100 (this document), [markdown](https://verifymcp.io/servers/mortgage-commercial-commercial-mortgage/commercial.md), [page](https://verifymcp.io/servers/mortgage-commercial-commercial-mortgage/commercial)

## Channel facts

- Endpoint: `https://commercial.mortgage/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. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - 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**: 60/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 2513 tokens (~279/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 Commercial.Mortgage: programs, rates and loan sizer MCP server?

Commercial.Mortgage: programs, rates and loan sizer is a hosted endpoint at https://commercial.mortgage/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 mortgage-commercial-commercial-mortgage 'https://commercial.mortgage/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "mortgage-commercial-commercial-mortgage": {
      "url": "https://commercial.mortgage/mcp"
    }
  }
}
```

### VS Code

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

### Codex

```toml
[mcp_servers.mortgage-commercial-commercial-mortgage]
url = "https://commercial.mortgage/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add mortgage-commercial-commercial-mortgage --url 'https://commercial.mortgage/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  mortgage-commercial-commercial-mortgage:
    url: "https://commercial.mortgage/mcp"
```

### Netclaw

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

### Vellum

```bash
assistant mcp add mortgage-commercial-commercial-mortgage -t streamable-http -u 'https://commercial.mortgage/mcp'
```

### Other

```json
{
  "mcpServers": {
    "mortgage-commercial-commercial-mortgage": {
      "type": "http",
      "url": "https://commercial.mortgage/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 70, +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 69, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-01 (score 68)

First indexed and scored.

## MCP tools (9)

### `size_loan` (~333 tokens)

Size a commercial mortgage

The largest commercial mortgage a property supports under a lender type's loan-to-value, DSCR and debt-yield limits, which test binds, the monthly payment, and the resulting LTV, DSCR, debt yield and cap rate. Same math and defaults as the site's loan sizer; omit lender_type to size the deal under all five lender types.

Input parameters:

- `amortization_years` (integer): Amortization in years; 0 means interest only. Default: the lender type's (25 or 30; debt funds 0).
- `interest_rate_pct` (number): Your note rate in percent, e.g. 6.25. Default: the lender type's index today plus the middle of its published spread range.
- `lender_type` (string): bank, life-company, cmbs, agency (multifamily only) or debt-fund. Omit to compare all five.
- `max_ltv_pct` (number): Override the lender type's maximum loan-to-value, in percent.
- `min_debt_yield_pct` (number): Override the minimum debt yield in percent; 0 turns the debt-yield test off.
- `min_dscr` (number): Override the minimum debt service coverage ratio, e.g. 1.25.
- `noi` (number, required): Annual net operating income in dollars, e.g. 350000.
- `property_value` (number, required): Property value or purchase price in dollars, e.g. 5000000.
- `requested_loan` (number): Optional loan amount you want, in dollars; the answer says whether it fits.

### `get_rates_by_lender_type` (~95 tokens)

Indicative commercial mortgage rates by lender type

Indicative commercial mortgage rate ranges for banks, life companies, CMBS, agency and debt funds: each lender type's index today (Treasury or 30-day SOFR, with its date) plus its spread range from a named, dated public source. Banks have no public spread source, so no range is given for them.

Input parameters:

- `lender_type` (string): One lender type; omit for all five.

### `get_spreads_by_property_type` (~106 tokens)

Commercial mortgage spreads by property type

Permanent-loan spreads over the 10-year Treasury by property type (multifamily, industrial, retail, office) on 60 to 65% LTV loans, from CRED iQ as of March 31, 2026, plus the indicative rate at today's 10-year yield. Hotel, self storage, medical office and mixed use have no public source and say so.

Input parameters:

- `property_type` (string): One property type; omit for all.

### `get_index_rates` (~65 tokens)

Treasury, SOFR and prime today

The latest 5-, 7- and 10-year Treasury yields, overnight and 30-day average SOFR, and the bank prime rate that commercial mortgages price from, each with its observation date, the value a week earlier, the change in basis points and its publisher.

### `match_programs` (~607 tokens)

Match a deal to commercial mortgage programs

Rank the commercial mortgage programs (agency, FHA/HUD, bank, credit union, life company, CMBS, bridge, debt fund, DSCR, construction and more) that fit a deal, with the reasons and cautions for each, today's indicative rate (live index plus the program's published spread), and an estimate of the largest loan each program's published LTV/LTC, DSCR and debt-yield limits allow. Programs that do not fit are listed with the reason. Same rules as the site's /find-your-loan/ matcher.

Input parameters:

- `cost` (number): Total project cost in dollars, for construction (land plus hard and soft costs, for LTC).
- `credit` (string): Sponsor credit: strong, fair (some blemishes) or challenged (recent bankruptcy, foreclosure or serious late payments). Default strong.
- `credit_tenant` (boolean): True if one creditworthy tenant leases the whole building long term.
- `existing_balance` (number): Balance of the existing first loan, in dollars. Supplemental loans are sized on combined debt, so they need it.
- `existing_loan` (string): For a refinance: the current loan (agency = Fannie Mae or Freddie Mac, fha = FHA-insured). Needed for supplemental and 223(a)(7) loans.
- `existing_payment` (number): Monthly payment on the existing first loan, in dollars (for the combined coverage test on a supplemental loan).
- `ground_lease` (boolean): True if the property sits on a ground lease.
- `limit` (integer): How many ranked programs to return (default 6).
- `loan_amount` (number, required): Loan wanted, in dollars.
- `multiple_properties` (boolean): True to finance several properties in one loan.
- `noi` (number): Annual net operating income in dollars (for DSCR and debt yield).
- `occupancy` (string): stabilized (leased up, steady income), transitional (lease-up or value-add) or vacant. Default stabilized.
- `owner_occupied` (boolean): True if the borrower's own business occupies the building.
- `property` (string, required): Property type: multifamily, mixed-use, retail, office, medical-office, industrial, self-storage, manufactured-housing, hotel, senior-housing, student-housing, affordable-housing, special-purpose, lan…
- `purpose` (string, required): purchase, refinance (rate and term), cash-out, construction, bridge (value-add or lease-up), renovation.
- `recourse` (string): Non-recourse required, preferred, or any. Default any.
- `timeline` (string): Closing need: urgent (under 30 days), soon (30 to 60), normal (60 to 90), flexible. Default flexible.
- `units` (integer): Apartment units, for multifamily (5 to 50 units also matches small-balance programs).
- `value` (number): Property value or purchase price in dollars (for LTV).

### `program_rules` (~148 tokens)

Rules and limits of one commercial mortgage program

Everything published about one commercial mortgage program: eligible property types and loan purposes, minimum and maximum loan, maximum LTV and LTC, minimum DSCR and debt yield, term, amortization, rate type, recourse, prepayment, timeline, today's indicative rate, who it fits and who should look elsewhere, and the programs to compare it with. Every figure carries its as-of date and primary source (Fannie Mae, Freddie Mac, HUD, SBA, eCFR, SEC filings and others). Limits that are not published say so.

Input parameters:

- `program` (string, required): Program slug, e.g. fannie-mae-small-loans, fha-223f-loans, bridge-loans.

### `compare_programs` (~107 tokens)

Compare commercial mortgage programs side by side

Two or three commercial mortgage programs side by side: today's indicative rate, loan size range, maximum LTV and LTC, minimum DSCR and debt yield, term, amortization, rate type, recourse, prepayment and timeline, each figure dated and sourced, plus the site's head-to-head comparison page when one exists.

Input parameters:

- `programs` (array, required): Two or three program slugs, e.g. ["fannie-mae-small-loans", "bank-commercial-mortgage"].

### `get_rates` (~191 tokens)

Indicative rates for every commercial mortgage program

Today's indicative rate for every commercial mortgage program that has a published spread: the live index (Treasury, SOFR or prime, with its date) plus the program's spread range from a named, dated source, lowest first. Filter by property type, purpose or program family. Programs with no public spread are listed as such instead of guessed.

Input parameters:

- `family` (string): Program family: bank, agency, fha, life-company, cmbs, bridge, construction, non-bank, subordinate, sba, specialty.
- `property` (string): Property type: multifamily, mixed-use, retail, office, medical-office, industrial, self-storage, manufactured-housing, hotel, senior-housing, student-housing, affordable-housing, special-purpose, lan…
- `purpose` (string): purchase, refinance (rate and term), cash-out, construction, bridge (value-add or lease-up), renovation.

### `prepayment_estimate` (~435 tokens)

Estimate a commercial mortgage prepayment penalty

Estimate the prepayment premium on a commercial mortgage: Fannie Mae-style yield maintenance (Form 6104.01, annual discounting), Freddie Mac yield maintenance (monthly), CMBS yield maintenance, a defeasance cost estimate, a Fannie Mae declining (step-down) schedule, or an SBA 504 debenture premium. Treasury yields default to today's readings, interpolated to the time left. Same math as the site's prepayment calculator; schedules and minimums come from the verified loan-document facts.

Input parameters:

- `amortization_years` (integer): For CMBS yield maintenance and defeasance: amortization in years; 0 = interest only (default).
- `balance` (number, required): Principal being prepaid (or the debenture balance), in dollars.
- `custom_schedule` (array): For step_down with schedule custom: percent of balance by loan year, e.g. [5, 4, 3, 2, 1].
- `debenture_years` (integer): For sba_504: debenture term in years.
- `fixed_costs` (number): For defeasance: legal, accountant, rating agency and servicer costs in dollars to add (default 0).
- `loan_year` (integer): For step_down and sba_504: the loan (or debenture) year of the prepayment, 1 = first year.
- `method` (string, required): Which prepayment provision the note has.
- `months_remaining` (integer): Months from the prepayment date to the end of the yield maintenance period (Fannie/Freddie) or to the open date or maturity (CMBS, defeasance).
- `note_rate_pct` (number): Note rate in percent (for sba_504, the debenture rate). Required except for step_down.
- `schedule` (string): For step_down: a Fannie Mae declining schedule, or custom with custom_schedule.
- `treasury_yield_pct` (number): Treasury yield to discount at, in percent. Default: today's 5/7/10-year Treasury interpolated to months_remaining.

## Diagnostics

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

## Score history

- 2026-11-05: 70
- 2026-11-04: 70
- 2026-11-03: 69
- 2026-11-02: 69
- 2026-11-01: 68

## Common questions

### What is the Commercial.Mortgage: programs, rates and loan sizer MCP server?

Commercial.Mortgage: programs, rates and loan sizer is an MCP server listed in the public MCP registry as mortgage.commercial/commercial-mortgage. Match deals to commercial mortgage programs; program rules, live rates, loan sizing, prepayment. This page covers its hosted endpoint (https://commercial.mortgage/mcp).

### Is the Commercial.Mortgage: programs, rates and loan sizer MCP server safe to use?

Commercial.Mortgage: programs, rates and loan sizer 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 Commercial.Mortgage: programs, rates and loan sizer MCP server expose?

Commercial.Mortgage: programs, rates and loan sizer exposes 9 tools: size_loan, get_rates_by_lender_type, get_spreads_by_property_type, get_index_rates, match_programs, and 4 more. Their descriptions and schemas cost roughly 2,087 tokens of context every time the server is loaded.

### Does the Commercial.Mortgage: programs, rates and loan sizer MCP server require authentication?

No. We connected to Commercial.Mortgage: programs, rates and loan sizer without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Commercial.Mortgage: programs, rates and loan sizer MCP server still maintained?

Commercial.Mortgage: programs, rates and loan sizer 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.

## Links

- Remote endpoint: https://commercial.mortgage/mcp
- Website: https://commercial.mortgage/developers/
- Changelog RSS feed: https://verifymcp.io/servers/mortgage-commercial-commercial-mortgage/commercial.xml
- Changelog JSON feed: https://verifymcp.io/servers/mortgage-commercial-commercial-mortgage/commercial.json
- HTML version of this page: https://verifymcp.io/servers/mortgage-commercial-commercial-mortgage/commercial