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8 clients · secrets stay placeholders

JSON (mcpServers)Claude CodeCodexOpenCodeCursorVS CodeGemini CLIGoose

{
  "mcpServers": {
    "loan-readiness": {
      "type": "http",
      "url": "https://uqual.com/mcp"
    }
  }
}

claude mcp add --transport http loan-readiness https://uqual.com/mcp

[mcp_servers.loan-readiness]
url = "https://uqual.com/mcp"

{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "loan-readiness": {
      "type": "remote",
      "url": "https://uqual.com/mcp",
      "enabled": true
    }
  }
}

{
  "mcpServers": {
    "loan-readiness": {
      "type": "http",
      "url": "https://uqual.com/mcp"
    }
  },
  "deeplink": "cursor://anysphere.cursor-deeplink/mcp/install?name=loan-readiness&config=eyJ0eXBlIjoiaHR0cCIsInVybCI6Imh0dHBzOi8vdXF1YWwuY29tL21jcCJ9"
}

{
  "servers": {
    "loan-readiness": {
      "type": "http",
      "url": "https://uqual.com/mcp"
    }
  }
}

{
  "mcpServers": {
    "loan-readiness": {
      "httpUrl": "https://uqual.com/mcp"
    }
  }
}

extensions:
  "loan-readiness":
    enabled: true
    name: "loan-readiness"
    type: streamable_http
    uri: "https://uqual.com/mcp"
    timeout: 300

Quality 91 / 100strong

protocol75 · weight 25

warn
protocol.modernnewest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
n/a
protocol.statelessonly applies to 2026-07-28 servers
pass
protocol.transportstreamable HTTP
n/a
protocol.list_ttlonly applies to 2026-07-28 servers

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.annotations9 of 9 tools declare readOnlyHint or destructiveHint
pass
tools.directory_hintsevery tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
pass
tools.token_costabout 6,402 tokens to load every tool
pass
tools.api_dumptools are not a one-to-one API dump
pass
tools.hidden_textno hidden text in tool names, descriptions, schemas or annotations

stability100 · weight 15

pass
stability.changes2 tool changes in 30 days
pass
stability.rug_pullno tool changed its meaning under the same name
pass
stability.new_linksno tool change named a new site

dependenciesn/a · weight 15

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

9 tools, about 6,402 tokens to load them all · tool set 789a74ad1510 · tools last changed 2026-11-12 · checked 2026-11-14 07:36 UTC

Tool changes

2026-11-12get_state_mortgage_readiness_rulesadded
Retrieves verified 2026 state mortgage readiness rulebooks for Texas (TX), Florida (FL), Colorado (CO), Georgia (GA), and North Carolina (NC), including HFA down payment assistance programs, 620-640 FICO and 43%-50% DTI overlays, MUD/Metro District/Save Our Homes property tax escrows, windstorm/condo SIRS rules, and state contract closing rules.
2026-11-12calculate_vantagescore_4_impactadded
Models 2026 Homebuyer VantageScore 4.0 vs Classic FICO 2/4/5 and consumer app VantageScore 3.0 (24-month trended utilization, medical/paid collection exclusions, 1-month thin-file scoring, 14-day inquiry window, and State HFA overlays) plus Loan Officer 45% Equifax VantageScore 4.0 credit report cost savings and 65% fallout conversion ROI.

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 96 / 100

provenance85

liveness100

freshness100

hygiene100

+repository +dns-namespace +website +reachable +uptime-100% +updated-7d-ago

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://uqual.com/mcp` streamable-http	none	yes	100%	363 ms	2025-11-25	2026-11-14

Tools (9)

`calculate_mortgage_affordability`read-only	Computes maximum affordable home purchase price across FHA, Conventional, VA, and USDA, full PITI + MIP/PMI + HOA breakdown, required cash-to-close, and how +20/+40/+60 credit score gains or monthly debt reduction expand purchasing power.
`calculate_mortgage_dti`read-only	Computes front-end and back-end mortgage debt-to-income (DTI) ratios, student loan agency imputations (Fannie Mae, Freddie Mac, FHA, VA), maximum allowable monthly debt across FHA (31/43 standard, 46.99/56.99 AUS), Conventional (28/36 to 45/50 AUS), VA (41% benchmark), and USDA (29/41), plus exact monthly dollar debt reduction needed.
`calculate_vantagescore_4_impact`read-only	Models 2026 Homebuyer VantageScore 4.0 vs Classic FICO 2/4/5 and consumer app VantageScore 3.0 (24-month trended utilization, medical/paid collection exclusions, 1-month thin-file scoring, 14-day inquiry window, and State HFA overlays) plus Loan Officer 45% Equifax VantageScore 4.0 credit report cost savings and 65% fallout conversion ROI.
`check_down_payment_assistance`read-only	Evaluates eligibility and estimated assistance amounts for state HFA programs (TX TSAHC/TDHCA, FL Florida Housing/Hometown Heroes, CO CHFA, GA Georgia Dream, NC NCHFA NC Home Advantage and $15,000 NC 1st Home Advantage, plus national baseline FTHB rules).
`compare_fha_vs_conventional`read-only	Compares FHA (3.5% down at 580+, 1.75% UFMIP + annual MIP) against Conventional (3% first-time buyer / 5% standard down at 620+, credit-tiered PMI with 80%/78% LTV cancellation), returning 5-year and 10-year total cost and the exact credit score crossover point.
`evaluate_loan_readiness_score`read-only	Computes UQUAL's 4-Pillar Loan Readiness Score (0 to 100) across Credit Middle Score, DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning with compensability cap diagnostics, multi-program alignment, and prioritized counterfactual action steps.
`get_state_mortgage_readiness_rules`read-only	Retrieves verified 2026 state mortgage readiness rulebooks for Texas (TX), Florida (FL), Colorado (CO), Georgia (GA), and North Carolina (NC), including HFA down payment assistance programs, 620-640 FICO and 43%-50% DTI overlays, MUD/Metro District/Save Our Homes property tax escrows, windstorm/condo SIRS rules, and state contract closing rules.
`request_uqual_loan_readiness_review`	Opt-in lead handoff tool invoked ONLY when the user explicitly consents to share contact details for a personalized UQUAL Loan Readiness Coach review via uqual.com/api/seo-leads.
`simulate_debt_payoff_and_readiness`read-only	Simulates Avalanche vs Snowball vs UQUAL Mortgage-Readiness DTI-First payoff, targeting installment debts near <=10 remaining payments per Fannie/Freddie/FHA exclusion rules and revolving credit cards above 30% and 10% utilization thresholds.

Schemas: list_tools.

Similar MCP servers

Official server.json

{
  "name": "com.uqual/loan-readiness",
  "_meta": {
    "io.modelcontextprotocol.registry/publisher-provided": {
      "tools": [
        {
          "name": "calculate_mortgage_dti",
          "title": "Calculate Mortgage DTI & Agency Limits",
          "readOnly": true
        },
        {
          "name": "calculate_mortgage_affordability",
          "title": "Calculate Mortgage Affordability & Purchasing Power",
          "readOnly": true
        },
        {
          "name": "compare_fha_vs_conventional",
          "title": "Compare FHA vs Conventional Mortgage Cost & Crossover",
          "readOnly": true
        },
        {
          "name": "check_down_payment_assistance",
          "title": "Check State HFA Down Payment Assistance Eligibility",
          "readOnly": true
        },
        {
          "name": "simulate_debt_payoff_and_readiness",
          "title": "Simulate Debt Payoff (Avalanche vs Snowball vs DTI-First)",
          "readOnly": true
        },
        {
          "name": "evaluate_loan_readiness_score",
          "title": "Evaluate 4-Pillar Loan Readiness Score 2.0",
          "readOnly": true
        },
        {
          "name": "request_uqual_loan_readiness_review",
          "title": "Request UQUAL 1-on-1 Loan Readiness Coach Review (Opt-In)",
          "readOnly": false
        }
      ],
      "prompts": [
        "mortgage-readiness-checkup",
        "dti-rescue-plan",
        "first-time-buyer-dpa-finder"
      ],
      "category": "finance",
      "resources": [
        "uqual://guides/mortgage-readiness-overview",
        "uqual://guides/state-dpa-programs",
        "uqual://guides/fha-vs-conventional"
      ],
      "playgroundUrl": "https://uqual.com/plugins/playground",
      "authentication": "none"
    }
  },
  "icons": [
    {
      "src": "https://uqual.com/uqual-logo-plate.png",
      "sizes": [
        "512x512"
      ],
      "mimeType": "image/png"
    }
  ],
  "title": "UQUAL Loan Readiness",
  "$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
  "remotes": [
    {
      "url": "https://uqual.com/mcp",
      "type": "streamable-http"
    }
  ],
  "version": "1.0.0",
  "repository": {
    "id": "1448729093",
    "url": "https://github.com/drewTuzson/uqual-loan-readiness",
    "source": "github"
  },
  "websiteUrl": "https://uqual.com",
  "description": "Powered by UQUAL loan readiness tools, educational calculations and agency references."
}