# Tower and Wing: FHA-insured hospital loans (HUD Section 242)

> FHA-insured hospital loans from HUD files: search, hospital lookup, totals, Section 242 rules.

- name: loans.hospital/hospital-loans
- version: 1.2026.1101.1
- connection class: R0 (autonomous)
- trust: 82/100 flags: no-repository
- quality: 100/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/loans.hospital%2Fhospital-loans
- tools: https://api.protogrid.dev/v1/servers/loans.hospital%2Fhospital-loans/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "hospital-loans": {
      "type": "http",
      "url": "https://hospital.loans/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 99
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-98% +updated-12d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 100/100 (strong)

### protocol: 100 (weight 25)

- pass `protocol.modern`: supports 2026-07-28 (server/discover)
- pass `protocol.stateless`: answers without a session
- pass `protocol.transport`: streamable HTTP
- pass `protocol.list_ttl`: tool list is cacheable (ttlMs 3600000)

### 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 1,143 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### 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
- pass `stability.new_links`: no tool change named a new site

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

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

- tools: 4, about 1,143 tokens to load them all
- tool set hash: 0cd180c6aefc902579644c4d82c6363e
- badge: [![protogrid quality](https://protogrid.dev/badge/loans.hospital/hospital-loans.svg)](https://protogrid.dev/servers/loans.hospital/hospital-loans)
- 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://hospital.loans/mcp (streamable-http, auth none, reachable true, uptime30d 0.97959185)

## Packages

_none_

## Tools (4)

- `get_hospital`: One hospital or health system with an active FHA-insured loan, by name, page slug or 8-digit FHA number: every active loan (program, original amount, note rate, initial and final endorsement, term, maturity, HUD balance, monthly P&I, servicer, tax-exempt bond flag), totals, and earlier terminated FHA hospital loans in the same city from HUD's terminated file.
- `get_portfolio_stats`: Totals for FHA-insured hospital loans, nationally or for one state, computed from HUD's files: active loans and systems, original amount and HUD balance, median note rate, counts by program, loans still in construction, tax-exempt bond loans, and the history since 1968 (loans by endorsement decade, terminations, insurance claims and their original principal).
- `get_program_rules`: HUD's hospital mortgage insurance rules as hospital.loans publishes them, with citations: the four programs (242, 223(f), 223(a)(7), 241(a)) with what each finances, loan limit, term and MIP; the Section 242 eligibility tests (50% acute care, three-year operating margin, debt service coverage, HUD red flags); fees and reserves; and HUD's process steps with median processing days.
- `search_hospital_loans`: Searches every FHA-insured hospital loan in HUD's files (Section 242, 223(f), 223(a)(7) and 241(a)): the active loans or the terminated ones since 1968, filtered by hospital, system or city name, state, program, status (including loans that ended in an insurance claim) and endorsement years. Returns FHA number, hospital, program, amount, note rate, dates, balance or how the loan ended, and the hospital page link.