# Mortgage Rates Today MCP

> Mortgage rates today: Freddie Mac weekly 30 and 15 year fixed averages, history and payment math.

- name: io.github.theluckystrike/mortgage-rates-today-mcp
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 94/100
- quality: 89/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.theluckystrike%2Fmortgage-rates-today-mcp
- tools: https://api.protogrid.dev/v1/servers/io.github.theluckystrike%2Fmortgage-rates-today-mcp/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "mortgage-rates-today-mcp": {
      "type": "http",
      "url": "https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 100
- freshness: 100
- provenance: 80
- drivers: +repository +namespace-matches-repo +reachable +uptime-100% +updated-2d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 89/100 (new)

### 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: 100 (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`: 4 of 4 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 784 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

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

- n/a `stability.changes`, `stability.rug_pull`: tool history recorded for 2 of the 7 days needed

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

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

- tools: 4, about 784 tokens to load them all
- tool set hash: 0b5d39d29e7b66e3985690e85bd9974d
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.theluckystrike/mortgage-rates-today-mcp.svg)](https://protogrid.dev/servers/io.github.theluckystrike/mortgage-rates-today-mcp)
- 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://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (4)

- `calculate_mortgage_payment`: Monthly principal and interest and total interest for a fixed-rate loan. Without a rate it uses this week's Freddie Mac average for 30-year or 15-year terms, and compares it with the average a year earlier. Taxes, insurance and PMI are not included.
- `get_mortgage_rate_history`: Freddie Mac PMMS 30-year or 15-year fixed averages between two dates as weekly rows or monthly or annual averages, with the high, low and change over the range. Default is the last 52 weeks of the 30-year rate.
- `get_mortgage_rate_on_date`: The Freddie Mac PMMS weekly average 30-year and 15-year fixed rates (plus 5/1 ARM and points where published) in force on a date, from 1971-04-02 to today.
- `get_mortgage_rates_today`: Latest Freddie Mac PMMS weekly average 30-year and 15-year fixed mortgage rates, read at call time from freddiemac.com: rate, week-over-week change, rate a year ago, 52-week high, low and average, the week date and the next expected release. National averages for well-qualified conventional purchase borrowers.