Frc is an MCP server with 12 tools an agent can call, among them check_claim_contract, get_conditional_door_map, get_door_effect_summary. It answers at https://frc-mcp.ziyetis.workers.dev over streamable HTTP, and it listed its tools to an anonymous client, so no sign-in was needed for that. Our probes reached it 6 of 6 times since 11 September 2026; the last check, on 22 October 2026, succeeded.
US FHA mortgage denial statistics (2025 federal HMDA record) with claim receipts and use contracts
Description as the publisher wrote it.
| Tool | What it does |
|---|---|
check_claim_contract | Certify a proposed use of an FRC statistic against its published Claim Contract BEFORE writing free text. Use when you are about to state an FRC number and want the compliant phrasing. RETURNS: deterministic verdict (pass/needs_qualifier/bl Inputs: passport_id, causal_assertion, individual_prediction, personalized_recommendation, legal_conclusion, scope_beyond_universe |
get_conditional_door_map | Conditional surface for a lender: how its peer-adjusted denial gap changes across leverage bands inside identical published cells (state x loan amount x income x DTI x CLTV). Use when someone asks whether a lender is strict or lenient and t Inputs: lender |
get_door_effect_summary | Door Effect: 38% of explainable variation in FHA denial outcomes is lender identity, not the applicant's file (859,090 decisions; McFadden 0.1712 to 0.2760). Use for how-much-does-the-lender-matter questions. RETURNS: the decomposition with |
get_lender_denial_stats | FHA denial statistics for one lender by name, slug, or LEI. Use when a specific lender is named. RETURNS: that lender's 2025 decisioned counts, denial rate, rank, and mandatory mix caveat. COVERS ONLY the 100 largest FHA lenders by 2025 vol Inputs: lender |
get_metro_lender_gap | Per-metro FHA denial-rate gap between high-volume lenders (>=100 decisioned applications in that metro, 2025), returned as a machine-readable claim passport: lowest and highest door with counts, gap in percentage points, source-record sha25 Inputs: metro |
get_national_fha_stats | National FHA denial statistics from the 2025 federal record. Use when asked the overall US FHA denial rate or its denominator. RETURNS: 22.1 percent rate, counts, denominator definition (originated+approved-not-accepted+denied; HECM exclude |
get_state_denial_stats | FHA denial statistics for a US state. Use when a state is named. PARAM: two-letter USPS code only (e.g. OH, TX); full names are rejected. RETURNS: state-level 2025 rate and counts. NOT FOR: metro/city questions (use get_metro_lender_gap), c Inputs: state |
list_cohorts | Ready-made public cohorts you can screen without uploading anything. Use this first when a user asks a counterparty or lender-comparison question but has no LEI list of their own, or wants a sensible default set. RETURNS: cohort ids, titles |
list_lenders | List covered FHA lenders sorted by denial rate or volume (2025 span: 1.8% to 78.7%). Use to discover which lenders are in scope or to show the ranking. RETURNS: array of lender name/slug/rate/volume. NOT FOR: lenders outside the top-100, re Inputs: sort, limit |
run_cohort | Screen a ready-made public cohort by id (see list_cohorts). Behaves exactly like screen_counterparties but with a published LEI list, so nothing has to be uploaded. Without a license it returns the aggregate shape plus the first three rows; Inputs: cohort_id, license_key, requested_format |
screen_counterparties | Counterparty screen: run a list of public LEIs against the FinanceRateCalc 2025 FHA denial outlier screen (observed vs applicant-mix model expectation). Use when a risk, diligence or investor desk asks which counterparties or sellers show d Inputs: lei_list, license_key, requested_format |
screen_counterparties_quote | Price and coverage quote BEFORE running a counterparty screen. Use this first whenever a license key is in play, so the agent and the user can see what a job will cost and how much of the list is actually covered, before any credit is spent Inputs: lei_list, license_key |
Every block below points at https://frc-mcp.ziyetis.workers.dev. Pick your client and copy.
claude mcp add --transport http frc https://frc-mcp.ziyetis.workers.dev
{
"mcpServers": {
"frc": {
"command": "npx",
"args": ["-y", "mcp-remote", "https://frc-mcp.ziyetis.workers.dev"]
}
}
}{
"mcpServers": {
"frc": {
"url": "https://frc-mcp.ziyetis.workers.dev"
}
}
}{
"servers": {
"frc": {
"type": "http",
"url": "https://frc-mcp.ziyetis.workers.dev"
}
}
}{
"context_servers": {
"frc": {
"url": "https://frc-mcp.ziyetis.workers.dev"
}
}
}{
"mcpServers": {
"frc": {
"serverUrl": "https://frc-mcp.ziyetis.workers.dev"
}
}
}{
"mcpServers": {
"frc": {
"url": "https://frc-mcp.ziyetis.workers.dev"
}
}
}name: Frc
version: 0.0.1
schema: v1
mcpServers:
- name: Frc
type: streamable-http
url: https://frc-mcp.ziyetis.workers.dev{
"mcpServers": {
"frc": {
"httpUrl": "https://frc-mcp.ziyetis.workers.dev"
}
}
}{
"mcpServers": {
"frc": {
"type": "http",
"url": "https://frc-mcp.ziyetis.workers.dev"
}
}
}{
"mcpServers": {
"frc": {
"url": "https://frc-mcp.ziyetis.workers.dev"
}
}
}goose://extension?url=https%3A%2F%2Ffrc-mcp.ziyetis.workers.dev&type=streamable_http&id=frc&name=Frc
It answered our last check on 22 October 2026 in 126 ms. Over 6 checks since 11 September 2026 it answered 6. Status here comes from Neuronto's own probes, not from the publisher.
12, as returned by the server's own tools/list on 14 September 2026: check_claim_contract, get_conditional_door_map, get_door_effect_summary, get_lender_denial_stats, get_metro_lender_gap, get_national_fha_stats, get_state_denial_stats, list_cohorts, and 4 more.
It answered our last check on 22 October 2026 in 126 ms. Over 6 checks since 11 September 2026 it answered 6.
Put the server under mcpServers in ~/.cursor/mcp.json with the URL https://frc-mcp.ziyetis.workers.dev. The exact JSON is above, with the same setup for Claude Code, Claude Desktop, VS Code, Windsurf, Zed, Gemini CLI and the rest.
It listed its tools to an anonymous client, so reading the tool list needs no key. Individual tools can still ask for credentials in their own inputs.
Publisher: io.github.financeratecalc. Endpoint host: frc-mcp.ziyetis.workers.dev. ARD identifier: urn:air:io.github.financeratecalc:mcp:frc-mcp.
First indexed 10 September 2026. The tools are exactly what the server returned; nothing on this page
is inferred from its name. Ranking in Neuronto search is never for sale.