# Hmda (npm · @pipeworx/mcp-hmda)

HMDA — every US mortgage application at loan level (CFPB / FFIEC).

- Trust score: 82/100 (high trust)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `gateway.pipeworx.io`: 77/100, [markdown](https://verifymcp.io/servers/pipeworx-io-hmda/hmda-mcp.md), [page](https://verifymcp.io/servers/pipeworx-io-hmda/hmda-mcp)
- npm · `@pipeworx/mcp-hmda`: 82/100 (this document), [markdown](https://verifymcp.io/servers/pipeworx-io-hmda/pipeworx-mcp-hmda.md), [page](https://verifymcp.io/servers/pipeworx-io-hmda/pipeworx-mcp-hmda)

## Channel facts

- Registry: `npm`
- Package: `@pipeworx/mcp-hmda`
- Version: `0.2.1`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, 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.

- **Supply Chain Security**: 100/100
  - No malware found by supply-chain analysis.
  - No known CVEs affecting this package version or its production dependencies.
  - No install/post-install scripts declared.
  - No production dependencies, so there is no dependency health to assess.
- **Provenance & Transparency**: 97/100
  - Source repository is publicly reachable at the declared URL.
  - Cryptographically verified build provenance (signed, bound to pipeworx-io/mcp-hmda).
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 3 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 63/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 862 tokens (~215/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**: 23/100
  - Stability observed for 7 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 supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Hmda MCP server?

Hmda runs locally as an npm package, launched with npx -y @pipeworx/mcp-hmda. 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 pipeworx-io-hmda -- npx -y @pipeworx/mcp-hmda
```

### Cursor

```json
{
  "mcpServers": {
    "pipeworx-io-hmda": {
      "command": "npx",
      "args": [
        "-y",
        "@pipeworx/mcp-hmda"
      ]
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "pipeworx-io-hmda": {
      "command": "npx",
      "args": [
        "-y",
        "@pipeworx/mcp-hmda"
      ]
    }
  }
}
```

### Codex

```bash
codex mcp add pipeworx-io-hmda -- npx -y @pipeworx/mcp-hmda
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "pipeworx-io-hmda": {
      "type": "local",
      "command": [
        "npx",
        "-y",
        "@pipeworx/mcp-hmda"
      ],
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add pipeworx-io-hmda --command npx --arg -y --arg @pipeworx/mcp-hmda
```

### Hermes

```yaml
mcp_servers:
  pipeworx-io-hmda:
    command: "npx"
    args: ["-y", "@pipeworx/mcp-hmda"]
```

### Netclaw

```json
{
  "McpServers": {
    "pipeworx-io-hmda": {
      "Transport": "stdio",
      "Command": "npx",
      "Arguments": [
        "-y",
        "@pipeworx/mcp-hmda"
      ]
    }
  }
}
```

### Vellum

```bash
assistant mcp add pipeworx-io-hmda -t stdio -c npx -a -y @pipeworx/mcp-hmda
```

### Other

```json
{
  "mcpServers": {
    "pipeworx-io-hmda": {
      "command": "npx",
      "args": [
        "-y",
        "@pipeworx/mcp-hmda"
      ]
    }
  }
}
```

## 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 82, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 81, 0)

- [functional regression] Security disclosure: unverified → fail

### 2026-11-02 (score 81, +1)

- [functional regression] Security disclosure: fail → unverified
- [functional] Package version: 0.2.0 → 0.2.1

### 2026-10-31 (score 80, +1)

- [functional regression] Security disclosure: unverified → fail

### 2026-10-29 (score 79)

First indexed and scored.

## MCP tools (4)

### `hmda_lender_activity` (~202 tokens)

What a specific mortgage lender did in a year — applications, originations, denials and dollar volume — from the federal Home Mortgage Disclosure Act register, optionally narrowed to a state or county. Identify the lender by its LEI (the 20-character Legal Entity Identifier HMDA files under); resolve_entity maps a company name to one. Covers every US mortgage application 2018-2025. Reports what lenders DISCLOSED, which is a regulatory filing rather than a market estimate.

Input parameters:

- `county` (string): Optional 5-digit county FIPS, e.g. "06037" for Los Angeles.
- `lei` (string, required): 20-character Legal Entity Identifier, e.g. "549300FGXN1K3HLB1R50".
- `state` (string): Optional two-letter state, e.g. "CA".
- `year` (number): Filing year, 2018-2025. Defaults to the most recent published.

### `hmda_geography_activity` (~227 tokens)

Mortgage lending in a place — how many applications were originated, denied or withdrawn in a county or state in a given year, with dollar volume, from the federal HMDA register. Break the answer down by applicant race, ethnicity, sex, loan purpose or loan type to see how outcomes differ across groups, which is the fair-lending question this data exists to make answerable. Covers 2018-2025.

Input parameters:

- `action` (string): Optional outcome filter: originated | approved_not_accepted | denied | withdrawn | incomplete | purchased. Omit to see every outcome side by side.
- `breakdown` (string): Optional dimension to split by: race | ethnicity | sex | loan_purpose | loan_type.
- `county` (string): 5-digit county FIPS, e.g. "11001" for the District of Columbia.
- `state` (string): Two-letter state, e.g. "TX". Give a county OR a state.
- `year` (number): Filing year, 2018-2025. Defaults to the most recent published.

### `hmda_loan_records` (~196 tokens)

Individual mortgage application records from the HMDA register — the loan-level rows behind the totals, with loan amount, action taken, rate spread, applicant income, lender LEI and census tract. Use when an aggregate is not enough and the individual applications matter. Filtered by geography and outcome; a large county returns tens of thousands of rows, so this caps what it returns and says when it truncated.

Input parameters:

- `action` (string): Outcome filter: originated | approved_not_accepted | denied | withdrawn | incomplete | purchased.
- `county` (string): 5-digit county FIPS. Give a county OR a state.
- `lei` (string): Optional lender LEI to narrow to one institution.
- `limit` (number): Maximum records to return (1-500, default 50).
- `state` (string): Two-letter state.
- `year` (number): Filing year, 2018-2025.

### `hmda_lenders_in_county` (~184 tokens)

Which lenders were most active in a county, ranked by loan count, from HMDA loan-level records for that county and year. Returns each lender LEI with its originations, denials and dollar volume, so "who lends here" and "who denies most here" are answerable. Bounded: it reads the county's records directly, so very large counties are sampled rather than fully ranked, and the response says so.

Input parameters:

- `action` (string): Outcome to rank on: originated | approved_not_accepted | denied | withdrawn | incomplete | purchased. Default originated.
- `county` (string, required): 5-digit county FIPS, e.g. "11001".
- `limit` (number): Lenders to return (1-100, default 20).
- `year` (number): Filing year, 2018-2025.

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/pipeworx-io-hmda/pipeworx-mcp-hmda#diagnostics

## Score history

- 2026-11-05: 82
- 2026-11-04: 82
- 2026-11-03: 81
- 2026-11-02: 81
- 2026-11-01: 80
- 2026-10-31: 80
- 2026-10-30: 79
- 2026-10-29: 79

## Common questions

### What is the Hmda MCP server?

Hmda is an MCP server listed in the public MCP registry as io.github.pipeworx-io/hmda. HMDA, every US mortgage application at loan level (CFPB / FFIEC). This page covers its npm package (@pipeworx/mcp-hmda).

### Is the Hmda MCP server safe to use?

Hmda scores 82 out of 100 on VerifyMCP. We found no known CVEs affecting it as of 5 November 2026. It declares no install or post-install scripts. Its build provenance is signed and verified. 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 Hmda MCP server expose?

Hmda exposes 4 tools: hmda_lender_activity, hmda_geography_activity, hmda_loan_records, hmda_lenders_in_county. Their descriptions and schemas cost roughly 809 tokens of context every time the server is loaded.

### Is the Hmda MCP server still maintained?

Hmda 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 licence is the Hmda MCP server under?

Hmda declares the MIT licence, which is OSI-approved. That covers the source only, and says nothing about the cost of any service it calls.

## Links

- npm package: https://www.npmjs.com/package/@pipeworx/mcp-hmda
- Socket report: https://socket.dev/npm/package/@pipeworx/mcp-hmda
- Repository: https://github.com/pipeworx-io/mcp-hmda
- Website: https://pipeworx.io/packs/hmda
- Changelog RSS feed: https://verifymcp.io/servers/pipeworx-io-hmda/pipeworx-mcp-hmda.xml
- Changelog JSON feed: https://verifymcp.io/servers/pipeworx-io-hmda/pipeworx-mcp-hmda.json
- HTML version of this page: https://verifymcp.io/servers/pipeworx-io-hmda/pipeworx-mcp-hmda