# HMDA Mortgage Data

> Home mortgage lending patterns, denial rates, and fair lending data

- name: com.olyport/hmda
- version: 1.1.0
- connection class: R0 (autonomous)
- trust: 72/100 flags: no-repository
- quality: 79/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.olyport%2Fhmda
- tools: https://api.protogrid.dev/v1/servers/com.olyport%2Fhmda/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "hmda": {
      "type": "http",
      "url": "https://mcp.olyport.com/hmda/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 100
- freshness: 45
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-99% -stale-201d -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 79/100 (good)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 71 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- fail `tools.annotations`: no tool declares readOnlyHint or destructiveHint, so clients cannot tell safe calls from risky ones
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: get_aggregate_stats (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); get_denial_reasons (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); get_lending_by_race (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); …
- pass `tools.token_cost`: about 892 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 100 (weight 15)

- pass `stability.changes`: no tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 4, about 892 tokens to load them all
- tool set hash: ba743211d6d23d177567b58e0e0ca665
- badge: [![protogrid quality](https://protogrid.dev/badge/com.olyport/hmda.svg)](https://protogrid.dev/servers/com.olyport/hmda)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://mcp.olyport.com/hmda/mcp (streamable-http, auth none, reachable true, uptime30d 0.9916667)

## Packages

_none_

## Tools (4)

- `get_aggregate_stats`: Get aggregate mortgage lending statistics for a geographic area.

    Returns summary statistics including total applications, originations,
    denials, and loan amounts. Useful for understanding overall lending
    activity in a state or county.

    Args:
        state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
        county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
        year: Data year (e.g. 2022). Defaults to 2022 if not specified.
    
- `get_denial_reasons`: Get mortgage denial reasons breakdown for a geographic area.

    Returns the distribution of denial reasons for mortgage applications
    that were denied. Useful for identifying barriers to homeownership
    in specific communities.

    Args:
        state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
        county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
        year: Data year (e.g. 2022). Defaults to 2022 if not specified.
    
- `get_lending_by_race`: Get mortgage lending patterns disaggregated by race and ethnicity.

    Returns mortgage origination and denial data broken down by the
    race/ethnicity of the applicant. Useful for fair lending analysis
    and identifying disparities in mortgage access.

    Args:
        state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
        county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
        year: Data year (e.g. 2022). Defaults to 2022 if not specified.
    
- `get_mortgage_data`: Get Home Mortgage Disclosure Act (HMDA) loan-level data.

    Returns mortgage application and origination records reported by
    financial institutions under HMDA. At least one geographic filter
    (state or county_fips) is recommended to limit results.

    Args:
        state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
        county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
        year: Data year (e.g. 2022). Defaults to 2022 if not specified.
        action_taken: Loan action code: '1' (originated), '2' (approved not
            accepted), '3' (denied), '4' (withdrawn), '5' (incomplete).
        loan_type: Loan type code: '1' (conventional), '2' (FHA-insured),
            '3' (VA-guaranteed), '4' (USDA/RHS).
        limit: Maximum number of records to return (default 100, max 1000).