이 MCP로 할 수 있는 일
Provides statistical analysis of 2025 FHA denial rates by lender, state, metro, loan size, denial reason, and lender cohort using HMDA data.
기능
도구
14
도구
check_claim_contract
USE BEFORE WRITING ANY SENTENCE CONTAINING AN FRC FIGURE. Given a claim id and the use you propose (population, period, scope, and whether you assert a cause, predict an individual, recommend a lender or draw a legal conclusion), returns a deterministic verdict: pass, needs_qualifier (naming the missing qualifier) or block (with a reason code), plus a safe sentence you may use verbatim and the required attribution. Most misuse of these statistics is omission, not invention: the number is right and the population is missing. NOT FOR: figures published by anyone other than FinanceRateCalc.
입력 스키마
{'type': 'object', 'required': ['passport_id'], 'properties': {'passport_id': {'type': 'string'}, 'causal_assertion': {'type': 'boolean'}, 'legal_conclusion': {'type': 'boolean'}, 'qualifier_dropped': {'type': 'boolean'}, 'attribution_present': {'type': 'boolean'}, 'individual_prediction': {'type': 'boolean'}, 'scope_beyond_universe': {'type': 'boolean'}, 'personalized_recommendation': {'type': 'boolean'}}}
get_conditional_door_map
ANSWERS: "does this lender's strictness depend on loan size or leverage", "where is <lender> hardest", "is the gap the same across the market". PARAM: lender name or slug. Returns how that lender's peer-adjusted denial gap changes across published cells (state x loan amount x income x DTI x CLTV), with cell counts and the minimum-cell rule. NOT FOR: suppressed small cells, or any individual prediction. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'properties': {'lender': {'type': 'string', 'description': 'Lender name or 20-char LEI. Omit to list every lender with a published conditional surface.'}}}
get_denial_reason_shares
ANSWERS: "why are FHA loans denied", "what is the most common denial reason", "which lender cites incomplete applications most", "how often is debt-to-income the reason". PARAM: optional lender; omit for cross-lender medians. Returns median and maximum share of each HMDA denial reason across the 95 of the 100 largest lenders that report reasons, and which lender carries the highest share of each. Reason fields are not a partition; shares need not sum to 100. NOT FOR: why a particular application was denied. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'properties': {'lender': {'type': 'string', 'description': 'Lender name or slug, optional'}}, 'additionalProperties': False}
get_door_effect_summary
ANSWERS: "does it matter which lender you apply to", "how much of a denial is the lender rather than the borrower", "what is the Door Effect". Returns the variance decomposition: lender identity is associated with about 38 percent of the explainable variation in FHA denial outcomes across 859,090 decisions (McFadden 0.1712 to 0.2760), with model, sample and limits. Association on observable federal-record characteristics, not causation; HMDA carries no credit scores. NOT FOR: saying a lender caused a denial, or any individual estimate. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'properties': {}, 'additionalProperties': False}
get_lender_denial_stats
ANSWERS: "what is <lender>'s FHA denial rate", "does <lender> reject a lot of FHA applications", "how strict is <lender>", "how does <lender> compare". PARAM: lender name, slug or LEI. Returns that lender's 2025 decisioned volume, denial rate, rank among the 100 largest FHA lenders, and the applicant-mix caveat any comparison must carry. COVERS ONLY the 100 largest FHA lenders by 2025 volume. NOT FOR: whether a person will be approved, or lenders outside that set. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'required': ['lender'], 'properties': {'lender': {'type': 'string', 'description': 'Lender name, slug, or 20-char LEI'}}}
get_metro_lender_gap
ANSWERS: "do lenders differ within one city", "what is the FHA denial gap in <metro>", "which lender is strictest in <metro>", "how much does the lender matter locally". PARAM: metro name or slug. Returns a claim passport for that metro: lowest and highest lender denial rates among lenders with at least 100 decisioned applications there, the gap in points, counts and source reference. Cleveland is the widest in 2025 at 73.7 points (6.4 vs 80.1). NOT FOR: ZIP or neighbourhood questions, and never as evidence a lender acted improperly. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'required': ['metro'], 'properties': {'metro': {'type': 'string', 'description': "Metro name or slug, e.g. 'Cleveland, OH' or 'cleveland-oh'"}}}
get_national_fha_stats
ANSWERS: "how often are FHA loans denied", "what is the FHA denial rate", "what share of FHA applications are rejected", "how many were denied in 2025". Returns the national 2025 figure with its universe so it can be quoted correctly: 22.1 percent, 262,250 denials of 1,187,606 applications that reached a credit decision (originated, approved-not-accepted, denied; reverse mortgages excluded), the denominator definition and the correction history. Most published FHA denial rates are 2023 purchase-only figures near 13.6 percent, a different universe, so state the universe when quoting. NOT FOR: conventional, VA or USDA loans, purchase-only or refinance-only rates, other years, or state/lender/metro breakdowns (use the dedicated tools). Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'properties': {}, 'additionalProperties': False}
get_small_loan_penalty
ANSWERS: "are small mortgages denied more often", "is it harder to get a small FHA loan", "which state punishes small loans most", "does loan size affect denial". PARAM: optional two-letter state; omit for the ranked list. Returns denial rates under $150K and over $250K, the ratio, the ranking and any open discrepancy note. In 2025 the penalty exceeded 1x in every jurisdiction with a published split, from 1.19x to 4.45x (Idaho, 53.4 vs 12.0). NOT FOR: loan sizes between the bands, which are not published. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'properties': {'state': {'type': 'string', 'description': 'Two-letter USPS code, optional'}}, 'additionalProperties': False}
get_state_denial_stats
ANSWERS: "what is the FHA denial rate in <state>", "is it harder to get an FHA loan in <state>", "how does <state> compare with the national rate". PARAM: two-letter USPS code only (OH, TX); full names are rejected. Returns the state 2025 rate and counts against the national 22.1 percent. NOT FOR: metro or city questions (use get_metro_lender_gap) or lender-level questions. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'required': ['state'], 'properties': {'state': {'type': 'string', 'maxLength': 2, 'minLength': 2}}}
list_cohorts
ANSWERS: "can I screen a group of lenders", "what ready-made lender groups can I run", "show me an example screen". Returns the public cohorts screenable without uploading anything, with size and definition. Call before run_cohort. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'properties': {}}
list_lenders
ANSWERS: "which FHA lender denies the most or the fewest", "rank FHA lenders by denial rate", "which lenders are covered", "how wide is the spread". Returns the ranked list of the 100 largest FHA lenders with name, slug, rate and volume; the 2025 span runs 1.8 to 78.7 percent inside the same federal program. NOT FOR: lenders outside the top 100, or any recommendation about where to apply. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'properties': {'sort': {'enum': ['highest_denial', 'lowest_denial', 'largest_volume'], 'type': 'string'}, 'limit': {'type': 'integer', 'maximum': 100, 'minimum': 1}}}
run_cohort
ANSWERS: "run the screen on <cohort>", "how do these lenders compare against expectation". PARAM: cohort id from list_cohorts. Returns the peer-adjusted screen: observed versus expected denial rate, coverage flags, method version. Free preview; the full Evidence Brief needs a licence a human buys on the pricing page. Screening signals, never evidence of misconduct. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'required': ['cohort_id'], 'properties': {'cohort_id': {'type': 'string', 'description': 'One of the ids returned by list_cohorts, e.g. top-volume-fha, high-coverage-only, above-expectation, depository-institutions, screening-only.'}, 'license_key': {'type': 'string', 'description': 'Optional. Only pass it if the user explicitly provided one.'}, 'requested_format': {'enum': ['summary', 'evidence_brief'], 'type': 'string'}}}
screen_counterparties
ANSWERS: "run my list of lenders through the federal record", "screen these LEIs", "which of my counterparties deny more than their applicant mix predicts". PARAM: a list of public LEIs. Returns per-entity observed versus expected FHA denial rates, coverage flags, method version and an evidence manifest hash. Public entity identifiers only: never borrower files, credit data or personal information. Free preview; the full Evidence Brief needs a licence a human buys on the pricing page, and an agent may relay the offer but can never complete a purchase. Screening signals, not findings of misconduct. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'required': ['lei_list'], 'properties': {'lei_list': {'type': 'array', 'items': {'type': 'string'}, 'description': '1-40 public Legal Entity Identifiers (20-character ISO 17442). Hard cap 100; duplicates removed deterministically.'}, 'license_key': {'type': 'string', 'description': "Optional. A Lemon Squeezy license key issued for 'Counterparty Screen' (one-time or quarterly). Only pass it if the user explicitly provided it."}, 'requested_format': {'enum': ['summary', 'evidence_brief'], 'type': 'string', 'description': "Optional. 'evidence_brief' requests the full audit artefact (licensed mode)."}}}
screen_counterparties_quote
ANSWERS: "what would it cost to screen this list", "how many of my LEIs are covered". PARAM: a list of public LEIs. Returns coverage and price before anything runs. Always call before screen_counterparties on a new list. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.
입력 스키마
{'type': 'object', 'required': ['lei_list'], 'properties': {'lei_list': {'type': 'array', 'items': {'type': 'string'}, 'description': '1-40 public LEIs to be quoted.'}, 'license_key': {'type': 'string', 'description': "Optional. Include it to see the account's remaining balance in the quote."}}}
기록
최근 도구 변경
변경됨
get_conditional_door_map
2026년 9월 21일 2:50 AM
변경됨
run_cohort
2026년 9월 21일 2:50 AM
변경됨
list_cohorts
2026년 9월 21일 2:50 AM
변경됨
screen_counterparties_quote
2026년 9월 21일 2:50 AM
변경됨
screen_counterparties
2026년 9월 21일 2:50 AM
변경됨
get_metro_lender_gap
2026년 9월 21일 2:50 AM
변경됨
get_door_effect_summary
2026년 9월 21일 2:50 AM
변경됨
get_state_denial_stats
2026년 9월 21일 2:50 AM
변경됨
get_denial_reason_shares
2026년 9월 21일 2:50 AM
변경됨
get_small_loan_penalty
2026년 9월 21일 2:50 AM
변경됨
list_lenders
2026년 9월 21일 2:50 AM
변경됨
get_lender_denial_stats
2026년 9월 21일 2:50 AM
변경됨
get_national_fha_stats
2026년 9월 21일 2:50 AM
변경됨
check_claim_contract
2026년 9월 21일 2:50 AM
추가됨
get_conditional_door_map
2026년 9월 17일 12:41 PM
추가됨
run_cohort
2026년 9월 17일 12:41 PM
추가됨
list_cohorts
2026년 9월 17일 12:41 PM
추가됨
screen_counterparties_quote
2026년 9월 17일 12:41 PM
추가됨
screen_counterparties
2026년 9월 17일 12:41 PM
추가됨
get_metro_lender_gap
2026년 9월 17일 12:41 PM
추가됨
get_door_effect_summary
2026년 9월 17일 12:41 PM
추가됨
get_state_denial_stats
2026년 9월 17일 12:41 PM
추가됨
get_denial_reason_shares
2026년 9월 17일 12:41 PM
추가됨
get_small_loan_penalty
2026년 9월 17일 12:41 PM
추가됨
list_lenders
2026년 9월 17일 12:41 PM
추가됨
get_lender_denial_stats
2026년 9월 17일 12:41 PM
추가됨
get_national_fha_stats
2026년 9월 17일 12:41 PM
추가됨
check_claim_contract
2026년 9월 17일 12:41 PM
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