# Commercial.Mortgage: programs, rates and loan sizer > Match deals to commercial mortgage programs; program rules, live rates, loan sizing, prepayment. - name: mortgage.commercial/commercial-mortgage - version: 1.2026.1101.0 - connection class: R0 (autonomous) - trust: 82/100 flags: no-repository - quality: 100/100 (new) - owner: not claimed - descriptor: https://api.protogrid.dev/v1/servers/mortgage.commercial%2Fcommercial-mortgage - tools: https://api.protogrid.dev/v1/servers/mortgage.commercial%2Fcommercial-mortgage/tools **An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe. ## Connection (mcpServers) ```json { "mcpServers": { "commercial-mortgage": { "type": "http", "url": "https://commercial.mortgage/mcp" } } } ``` ## Trust - hygiene: 80 - liveness: 98 - freshness: 100 - provenance: 55 - drivers: +dns-namespace +website +reachable +uptime-95% +updated-6d-ago -no-repository - Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed. ## Quality 100/100 (new) ### 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`: 9 of 9 tools declare readOnlyHint or destructiveHint - pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint - pass `tools.token_cost`: about 3,763 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 5 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: 9, about 3,763 tokens to load them all - tool set hash: 6dafe4b9bc929ef4b99e7b161d189b4b - badge: [![protogrid quality](https://protogrid.dev/badge/mortgage.commercial/commercial-mortgage.svg)](https://protogrid.dev/servers/mortgage.commercial/commercial-mortgage) - 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://commercial.mortgage/mcp (streamable-http, auth none, reachable true, uptime30d 0.95454544) ## Packages _none_ ## Tools (9) - `compare_programs`: Two or three commercial mortgage programs side by side: today's indicative rate, loan size range, maximum LTV and LTC, minimum DSCR and debt yield, term, amortization, rate type, recourse, prepayment and timeline, each figure dated and sourced, plus the site's head-to-head comparison page when one exists. - `get_index_rates`: The latest 5-, 7- and 10-year Treasury yields, overnight and 30-day average SOFR, and the bank prime rate that commercial mortgages price from, each with its observation date, the value a week earlier, the change in basis points and its publisher. - `get_rates`: Today's indicative rate for every commercial mortgage program that has a published spread: the live index (Treasury, SOFR or prime, with its date) plus the program's spread range from a named, dated source, lowest first. Filter by property type, purpose or program family. Programs with no public spread are listed as such instead of guessed. - `get_rates_by_lender_type`: Indicative commercial mortgage rate ranges for banks, life companies, CMBS, agency and debt funds: each lender type's index today (Treasury or 30-day SOFR, with its date) plus its spread range from a named, dated public source. Banks have no public spread source, so no range is given for them. - `get_spreads_by_property_type`: Permanent-loan spreads over the 10-year Treasury by property type (multifamily, industrial, retail, office) on 60 to 65% LTV loans, from CRED iQ as of March 31, 2026, plus the indicative rate at today's 10-year yield. Hotel, self storage, medical office and mixed use have no public source and say so. - `match_programs`: Rank the commercial mortgage programs (agency, FHA/HUD, bank, credit union, life company, CMBS, bridge, debt fund, DSCR, construction and more) that fit a deal, with the reasons and cautions for each, today's indicative rate (live index plus the program's published spread), and an estimate of the largest loan each program's published LTV/LTC, DSCR and debt-yield limits allow. Programs that do not fit are listed with the reason. Same rules as the site's /find-your-loan/ matcher. - `prepayment_estimate`: Estimate the prepayment premium on a commercial mortgage: Fannie Mae-style yield maintenance (Form 6104.01, annual discounting), Freddie Mac yield maintenance (monthly), CMBS yield maintenance, a defeasance cost estimate, a Fannie Mae declining (step-down) schedule, or an SBA 504 debenture premium. Treasury yields default to today's readings, interpolated to the time left. Same math as the site's prepayment calculator; schedules and minimums come from the verified loan-document facts. - `program_rules`: Everything published about one commercial mortgage program: eligible property types and loan purposes, minimum and maximum loan, maximum LTV and LTC, minimum DSCR and debt yield, term, amortization, rate type, recourse, prepayment, timeline, today's indicative rate, who it fits and who should look elsewhere, and the programs to compare it with. Every figure carries its as-of date and primary source (Fannie Mae, Freddie Mac, HUD, SBA, eCFR, SEC filings and others). Limits that are not published say so. - `size_loan`: The largest commercial mortgage a property supports under a lender type's loan-to-value, DSCR and debt-yield limits, which test binds, the monthly payment, and the resulting LTV, DSCR, debt yield and cap rate. Same math and defaults as the site's loan sizer; omit lender_type to size the deal under all five lender types.