Search / com.monitorbankrates/rates
Live US bank and credit union rates, mortgage lenders, and housing and insurance indexes.
v2.0.2 · active · website · descriptor JSON · versions
protogrid{
"mcpServers": {
"rates": {
"type": "http",
"url": "https://mcp.monitorbankrates.com/mcp"
}
}
}claude mcp add --transport http rates https://mcp.monitorbankrates.com/mcp[mcp_servers.rates]
url = "https://mcp.monitorbankrates.com/mcp"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"rates": {
"type": "remote",
"url": "https://mcp.monitorbankrates.com/mcp",
"enabled": true
}
}
}{
"mcpServers": {
"rates": {
"type": "http",
"url": "https://mcp.monitorbankrates.com/mcp"
}
},
"deeplink": "cursor://anysphere.cursor-deeplink/mcp/install?name=rates&config=eyJ0eXBlIjoiaHR0cCIsInVybCI6Imh0dHBzOi8vbWNwLm1vbml0b3JiYW5rcmF0ZXMuY29tL21jcCJ9"
}{
"servers": {
"rates": {
"type": "http",
"url": "https://mcp.monitorbankrates.com/mcp"
}
}
}{
"mcpServers": {
"rates": {
"httpUrl": "https://mcp.monitorbankrates.com/mcp"
}
}
}extensions:
"rates":
enabled: true
name: "rates"
type: streamable_http
uri: "https://mcp.monitorbankrates.com/mcp"
timeout: 300
protocol.modern, protocol.stateless, protocol.transport, protocol.list_ttlno remote answered a protocol handshake (not probed yet, unreachable, or local-only)auth.prm, auth.as_metadata, auth.cimdno remote uses OAuthauth.secret_in_urlno templated URLtools.descriptionsevery tool has a descriptiontools.description_lengthdescriptions are concisetools.schemasevery tool has an object input schematools.annotations8 of 8 tools declare readOnlyHint or destructiveHinttools.directory_hintsevery tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHinttools.token_costabout 2,094 tokens to load every tooltools.api_dumptools are not a one-to-one API dumpstability.changesno tool changes in 30 daysstability.rug_pullno tool changed its meaning under the same namedeps.known_vulns, deps.mcp_sdk_version, deps.resolvableno npm or PyPI packageNo tool definition changes recorded. A server's first observation is its baseline; later probes record what changes.
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.
+dns-namespace +website +reachable +uptime-100% +updated-7d-ago -no-repository
Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed. How it is computed.
| remote | auth | reachable | uptime 30d | p50 | protocol | last ok |
|---|---|---|---|---|---|---|
https://mcp.monitorbankrates.com/mcp streamable-http | unknown | yes | 100% | 170 ms | – | 2026-11-07 |
calculate_loanread-only | Payment estimates at today's MonitorBankRates average rate for the state (or national), or a rate you pass. calculator = mortgage (monthly principal and interest; pass amount, or home_price and optional down_payment), refinance (new payment, and with current_rate the monthly savings and breakeven months), home_equity_loan (fixed payment), heloc (interest only payment during the draw period, payment once repayment starts, and the payment if the rate rises 1 point), or auto. Returns the inputs and assumptions used and a link to the matching MonitorBankRates calculator page. |
get_average_ratesread-only | MonitorBankRates national or state average rates (APY for deposits, APR for loans) computed daily from every published rate across 8,000+ banks and credit unions. Returns the latest value, change over 1 week / 1 month / 3 months, institution and quote counts, and a daily history. Good for "what are CD rates doing", "average mortgage rate in Texas", "average refinance rate", "are savings rates falling". |
get_best_ratesread-only | Top live rates from MonitorBankRates.com for one product (CDs by term, savings, money market, checking, mortgages, refinance, home equity, auto loans, personal loans, credit cards), nationally, for one U.S. state, or for a city (local branches first). Returns one best quote per institution with the institution health grade, minimum deposit, as-of date, and a link. Use list_rate_keys to see valid product_key values (e.g. "12-month", "high-yield_savings", "30-year", "refinance-30-year", "new-auto"). |
get_indexread-only | MonitorBankRates proprietary indexes. "hai" = MBR Housing Affordability Index (daily; 100 = median household exactly affords the median home at today's average 30-year rate; higher is more affordable), with national score, state score and rank, and 90-day history; with a city, the city score, its rank in the state, and the home value, income and payment behind it. "hibi" = Home Insurance Burden Index and "aibi" = Auto Insurance Burden Index (annual; 100 = U.S. average burden; higher is heavier), with state rankings plus an estimated monthly homeowners or car insurance cost for the state or city, by insurer, with the cheapest insurer. |
get_institutionread-only | All current deposit and loan rates MonitorBankRates tracks for one bank or credit union, plus its MBR health letter grade, star rating, Texas ratio, branch states, and page link. Pass the slug from search_institutions. |
get_mortgage_lendersread-only | Mortgage lenders and brokers in a U.S. state or city, ranked by home loans closed in the latest federal HMDA (Home Mortgage Disclosure Act) data, from the MonitorBankRates lender directory. Returns each lender's loans closed, market share, approval share, median loan, loan programs (Conventional, FHA, VA, USDA, Jumbo, HELOC), headquarters, and MBR health grade for banks and credit unions. Good for "best mortgage lenders in Florida", "FHA lenders in Tampa", "credit unions that do mortgages in Ohio". |
list_rate_keysread-only | Lists every rate key accepted by get_best_rates and get_average_rates with its label, product group, and whether it is measured as APY (deposits) or APR (loans). Also lists U.S. state codes. |
search_institutionsread-only | Search MonitorBankRates' directory of 8,000+ U.S. banks and credit unions by name. Returns matches with type, home state, MBR health grade, how many rates are tracked, and the slug to pass to get_institution. |
Schemas: list_tools.
{
"name": "com.monitorbankrates/rates",
"title": "MonitorBankRates",
"$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
"remotes": [
{
"url": "https://mcp.monitorbankrates.com/mcp",
"type": "streamable-http"
}
],
"version": "2.0.2",
"websiteUrl": "https://www.monitorbankrates.com/connector",
"description": "Live US bank and credit union rates, mortgage lenders, and housing and insurance indexes."
}