# ITIN Finance

> Verified ITIN lender directory + 290 bilingual guides on US loans, cards & credit without an SSN.

- name: io.github.bguillow-rgb/itin-finance
- version: 1.0.2
- connection class: R0 (autonomous)
- trust: 94/100
- quality: 79/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.bguillow-rgb%2Fitin-finance
- tools: https://api.protogrid.dev/v1/servers/io.github.bguillow-rgb%2Fitin-finance/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "itin-finance": {
      "type": "http",
      "url": "https://mcp.itinlending.net/?src=registry"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 100
- freshness: 85
- provenance: 90
- drivers: +repository +namespace-matches-repo +website +reachable +uptime-100% ~updated-34d-ago
- 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 2025-03-26; 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: 86 (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
- pass `tools.annotations`: 8 of 8 tools declare readOnlyHint or destructiveHint
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: get_guide (idempotentHint); can_i_get_this_loan (idempotentHint); itin_state_info (idempotentHint); …
- pass `tools.token_cost`: about 1,365 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: 50 (weight 15)

- warn `deps.known_vulns`: 1 advisory of lower severity or without a published fix: GHSA-5r4p-p66f-jhc7 in hono@4.13.9 (indirect, fixed in 4.13.11)
- fail `deps.mcp_sdk_version`: @modelcontextprotocol/sdk 1.30.1 has 3 known advisories (GHSA-22jm-h49p-29qw, GHSA-6prh-2h8m-c8cw, GHSA-6qxp-vccf-f47h); update @modelcontextprotocol/sdk to 1.32.0 or later
- pass `deps.resolvable`: itin-finance-mcp@1.0.2 resolved: 100 packages

- tools: 8, about 1,365 tokens to load them all
- tool set hash: 958664a2f9164e9f88515e0e21a46e8d
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.bguillow-rgb/itin-finance.svg)](https://protogrid.dev/servers/io.github.bguillow-rgb/itin-finance)
- 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._

## Dependencies

- npm itin-finance-mcp@1.0.2: resolved, 99 dependencies, MCP SDK @modelcontextprotocol/sdk 1.30.1
  - GHSA-22jm-h49p-29qw (high) in `` @modelcontextprotocol/sdk@1.30.1 ``, direct, fixed in `` 1.32.0 ``, advisory summary: "MCP TypeScript SDK: Experimental tasks were not tied to the session that created them" https://osv.dev/vulnerability/GHSA-22jm-h49p-29qw
  - GHSA-6qxp-vccf-f47h (high) in `` @modelcontextprotocol/sdk@1.30.1 ``, direct, fixed in `` 1.31.0 ``, advisory summary: "MCP TypeScript SDK: OAuth client could send credentials to an authorization server chosen by the MCP server" https://osv.dev/vulnerability/GHSA-6qxp-vccf-f47h
  - GHSA-6prh-2h8m-c8cw (moderate) in `` @modelcontextprotocol/sdk@1.30.1 ``, direct, fixed in `` 1.32.0 ``, advisory summary: "MCP TypeScript client SDK: HTTP client transports and OAuth requests followed cross-origin redirects and re-sent custom headers and request bodies" https://osv.dev/vulnerability/GHSA-6prh-2h8m-c8cw
  - GHSA-5r4p-p66f-jhc7 (moderate) in `` hono@4.13.9 ``, indirect, fixed in `` 4.13.11 ``, advisory summary: "Hono: \`serveStatic\` decodes the request path a second time, leading to bypass of middleware on static paths" https://osv.dev/vulnerability/GHSA-5r4p-p66f-jhc7

Dependency graphs from deps.dev; advisories from OSV.dev, including the GitHub Advisory Database and the PyPI Advisory Database; all CC BY 4.0.

## Remotes

- https://mcp.itinlending.net/?src=registry (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

- npm itin-finance-mcp@1.0.2

## Tools (8)

- `can_i_get_this_loan`: The direct answer to 'can I get a(n) X with an ITIN?': the editorial quick answer, typical requirements, and institutions with documented ITIN programs for that loan type (optionally state-filtered). Informational only — not a recommendation or referral. EN/ES.
- `faq_lookup`: Search 1,800+ editorial FAQs for a direct answer to a specific ITIN finance question (EN/ES). Each answer carries its source article URL.
- `find_itin_lenders`: List institutions that accept ITIN (no SSN) applicants for a loan or card type, optionally filtered by US state. Every entry states whether it was verified against the institution's own pages, with citation URLs and dates.
- `get_guide`: Get one guide by slug or approximate title: quick answer, FAQs, related guides, canonical URL.
- `get_lender_details`: Full verified profile for one institution: ITIN policy, states, membership rules, published terms, citations, and our editorial coverage.
- `how_to_get_an_itin`: How to apply for an ITIN (IRS Form W-7): the process, documents, timelines, and common mistakes — with the full guide URL. EN/ES.
- `itin_state_info`: State-level context for ITIN holders: state/local taxes paid by undocumented immigrants (ITEP 2022), effective tax rate, driver's-license access law, and the state guide URL.
- `search_guides`: Search 290+ editorial guides across the ITIN finance network (loans, mortgages, credit cards, credit scores — English and Spanish). Returns quick answers with canonical article URLs.