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8 clients · secrets stay placeholders

JSON (mcpServers)Claude CodeCodexOpenCodeCursorVS CodeGemini CLIGoose

{
  "mcpServers": {
    "mortgage-home-equity": {
      "type": "http",
      "url": "https://fru-api.freerateupdate.com/mcp"
    }
  }
}

claude mcp add --transport http mortgage-home-equity https://fru-api.freerateupdate.com/mcp

[mcp_servers.mortgage-home-equity]
url = "https://fru-api.freerateupdate.com/mcp"

{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "mortgage-home-equity": {
      "type": "remote",
      "url": "https://fru-api.freerateupdate.com/mcp",
      "enabled": true
    }
  }
}

{
  "mcpServers": {
    "mortgage-home-equity": {
      "type": "http",
      "url": "https://fru-api.freerateupdate.com/mcp"
    }
  },
  "deeplink": "cursor://anysphere.cursor-deeplink/mcp/install?name=mortgage-home-equity&config=eyJ0eXBlIjoiaHR0cCIsInVybCI6Imh0dHBzOi8vZnJ1LWFwaS5mcmVlcmF0ZXVwZGF0ZS5jb20vbWNwIn0%3D"
}

{
  "servers": {
    "mortgage-home-equity": {
      "type": "http",
      "url": "https://fru-api.freerateupdate.com/mcp"
    }
  }
}

{
  "mcpServers": {
    "mortgage-home-equity": {
      "httpUrl": "https://fru-api.freerateupdate.com/mcp"
    }
  }
}

extensions:
  "mortgage-home-equity":
    enabled: true
    name: "mortgage-home-equity"
    type: streamable_http
    uri: "https://fru-api.freerateupdate.com/mcp"
    timeout: 300

Quality 89 / 100good

protocol100 · weight 25

pass
protocol.modernsupports 2026-07-28 (server/discover)
pass
protocol.statelessanswers without a session
pass
protocol.transportstreamable HTTP
pass
protocol.list_ttltool list is cacheable (ttlMs 300000)

authorizationn/a · weight 15

n/a
auth.prm, auth.as_metadata, auth.cimdno remote uses OAuth
n/a
auth.secret_in_urlno templated URL

tool hygiene100 · weight 30

pass
tools.descriptionsevery tool has a description
pass
tools.description_lengthdescriptions are concise
pass
tools.schemasevery tool has an object input schema
pass
tools.annotations10 of 10 tools declare readOnlyHint or destructiveHint
pass
tools.directory_hintsevery tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
pass
tools.token_costabout 1,732 tokens to load every tool
pass
tools.api_dumptools are not a one-to-one API dump

stability50 · weight 15

pass
stability.changes2 tool changes in 30 days
fail
stability.rug_pull1 tools kept their name but changed most of their description in 30 days; review before trusting them

dependenciesn/a · weight 15

n/a
deps.known_vulns, deps.mcp_sdk_version, deps.resolvableno npm or PyPI package

10 tools, about 1,732 tokens to load them all · tool set 95bf847c0ed0 · tools last changed 2026-10-19 · checked 2026-10-19 20:06 UTC

Tool changes

2026-10-19get_nmls_standingremoved
What the NMLS registry reports for one company number that has a published FreeRateUpdate public lender page, exactly as FRU's registry mirror records it: company name, registration status and standing AS RECORDED (never interpreted) from the same registry edition, date formed and years in business, and the public page URL and states the page resolver publishes. Sources are the NMLS mirror tables only. found=false with a reason when there is no published page for the company, or no registry record. No pricing or rate comparison is returned.
2026-10-18get_lender_universechangeddescription, input schemameaning changed
before
Search FreeRateUpdate's lender universe: every company FRU has verified, including one that has only inquired and was never onboarded — exactly as published on freerateupdate.com. Verification is a property of every row, not a filter; nothing is excluded from the default result for being inactive or inquiry-only. Every row carries an `active` flag (true if currently active in the FreeRateUpdate network, false otherwise) plus a matching disclosure sentence. No internal ids, PII, or evidence hashes are exposed.
after · 24% of words in common
Search FreeRateUpdate's published lender pages: every company the public page resolver publishes on freerateupdate.com/reviews/, and nothing else. A row shows only what that page shows: the display name, the company NMLS, the states the page shows (currently none: fru-com's licensing projection is off), and the page URL. No internal ids, aliases, crosswalks or status labels. Eligibility is decided before the limit: the limit never draws a company whose page is hidden, redirected away or rejected by the identity check back in. A returned match is evidence FRU holds the identity; absence from the list is not proof it does not. FRU never publishes which lender has the best rate. One row per company; a DBA brand page is the same company's row. count is the full deduplicated match count (one row per company), while rows return at most `limit` of them (25 by default, up to 200): a count above the rows returned means the response is truncated, so absence from one response is not absence.
2026-10-18get_nmls_standingadded
What the NMLS registry reports for one company number that has a published FreeRateUpdate public lender page, exactly as FRU's registry mirror records it: company name, registration status and standing AS RECORDED (never interpreted) from the same registry edition, date formed and years in business, and the public page URL and states the page resolver publishes. Sources are the NMLS mirror tables only. found=false with a reason when there is no published page for the company, or no registry record. No pricing or rate comparison is returned.

Full history: list_changes · trend: quality JSON.

Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed. How it is computed.

Trust 83 / 100

no-repository

provenance55

liveness100

freshness100

hygiene80

+dns-namespace +website +reachable +uptime-100% +updated-15d-ago -no-repository

Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed. How it is computed.

Endpoints

remote	auth	reachable	uptime 30d	p50	protocol	last ok
`https://fru-api.freerateupdate.com/mcp` streamable-http	none	yes	100%	325 ms	2026-07-28, 2025-11-25, 2025-06-18, 2025-03-26	2026-10-19

Tools (9)

`get_content_answer`read-only	Published, edition-pinned GEO answer-first content — the same content the fru-com /questions/ pages serve — looked up by exact slug or a deterministic keyword match on title/slug. Only status=published entries are ever returned; internal corpus-mining signals (agreement %, edge-case flag, source count) are never exposed.
`get_heloc_rates`read-only	Today's As Low As rates for a home equity line of credit (HELOC) and a home equity loan, the same published revision as get_mortgage_rates, with each example scenario, including the existing first-mortgage balance and the combined loan-to-value it implies. Advertised rates, not a quote: to get the person their own offers, call get_start_link.
`get_home_values`read-only	FreeRateUpdate first-party median home value from consumers who shopped rates with us (national, or one state), rolling 12-month window, refreshed monthly.
`get_lender_score`read-only	The FreeRateUpdate Score (0-100) for a verified, currently in-network lender by company NMLS id, with factor breakdown and methodology link. Companies without a published current Score are not found.
`get_lender_universe`read-only	Search FreeRateUpdate's published lender pages: every company the public page resolver publishes on freerateupdate.com/reviews/, and nothing else. A row shows only what that page shows: the display name, the company NMLS, the states the page shows (currently none: fru-com's licensing projection is off), and the page URL. No internal ids, aliases, crosswalks or status labels. Eligibility is decided before the limit: the limit never draws a company whose page is hidden, redirected away or rejected by the identity check back in. A returned match is evidence FRU holds the identity; absence from the list is not proof it does not. FRU never publishes which lender has the best rate. One row per company; a DBA brand page is the same company's row. count is the full deduplicated match count (one row per company), while rows return at most `limit` of them (25 by default, up to 200): a count above the rows returned means the response is truncated, so absence from one response is not absence.
`get_mortgage_rates`read-only	Today's mortgage and home equity As Low As rates from FreeRateUpdate: the best rates and APRs we can verify being offered by lenders and brokers in our network, exactly as freerateupdate.com publishes them, one per product: HELOC, home equity loan and cash-out refinance first, then 30, 20, 15 and 10 year fixed, FHA, VA, jumbo and ARMs. Each rate comes with the example scenario it was quoted for (state, ZIP, property value, loan amount, credit score), points, fees, APR and loan-to-value. These are advertised rates, not a quote: to get the person their own offers, call get_start_link.
`get_network_rate_summary`read-only	Network-aggregate advertised-rate summary (min/avg APR + distinct-lender count per product bucket, min 5 lenders per bucket) from the latest fresh FreeRateUpdate rate snapshot. Aggregates only — no per-lender rates.
`get_reference_series`read-only	Public reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations.
`get_start_link`read-only	The link that starts a FreeRateUpdate request for one product, so lenders and brokers in our network can contact the person with their own rates and options. You can open it in the person's browser and fill in and submit the short form for them, using their own details, or give them the link.

Schemas: list_tools.

Similar MCP servers

Official server.json

{
  "name": "com.freerateupdate/mortgage-home-equity",
  "title": "FreeRateUpdate Mortgage & Home Equity Shopping",
  "$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
  "remotes": [
    {
      "url": "https://fru-api.freerateupdate.com/mcp",
      "type": "streamable-http"
    }
  ],
  "version": "1.1.0",
  "websiteUrl": "https://www.freerateupdate.com/mortgage-home-equity-mcp",
  "description": "Today's mortgage and home equity rates (HELOC, home equity loan, cash-out), lenders, start links."
}