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MCP Server

HMDA Mortgage Data

com.olyport/hmda
Data & Analytics Finance & Investing Real Estate Public & reachable MCP 2025-11-25

What this MCP does

Provides HMDA mortgage application, origination, denial, geographic, and race or ethnicity lending data.

Capabilities

Tools

4 tools
get_aggregate_stats
Get aggregate mortgage lending statistics for a geographic area. Returns summary statistics including total applications, originations, denials, and loan amounts. Useful for understanding overall lending activity in a state or county. Args: state: Two-letter US state abbreviation (e.g. 'CA', 'TX'). county_fips: Five-digit county FIPS code (e.g. '06037' for LA County). year: Data year (e.g. 2022). Defaults to 2022 if not specified.
Input schema 
{'type': 'object', 'title': 'get_aggregate_statsArguments', 'properties': {'year': {'type': 'integer', 'title': 'Year', 'default': None}, 'state': {'type': 'string', 'title': 'State', 'default': None}, 'county_fips': {'type': 'string', 'title': 'County Fips', 'default': None}}}
Output schema 
{'type': 'object', 'title': 'get_aggregate_statsOutput', 'required': ['result'], 'properties': {'result': {'type': 'string', 'title': 'Result'}}}
get_denial_reasons
Get mortgage denial reasons breakdown for a geographic area. Returns the distribution of denial reasons for mortgage applications that were denied. Useful for identifying barriers to homeownership in specific communities. Args: state: Two-letter US state abbreviation (e.g. 'CA', 'TX'). county_fips: Five-digit county FIPS code (e.g. '06037' for LA County). year: Data year (e.g. 2022). Defaults to 2022 if not specified.
Input schema 
{'type': 'object', 'title': 'get_denial_reasonsArguments', 'properties': {'year': {'type': 'integer', 'title': 'Year', 'default': None}, 'state': {'type': 'string', 'title': 'State', 'default': None}, 'county_fips': {'type': 'string', 'title': 'County Fips', 'default': None}}}
Output schema 
{'type': 'object', 'title': 'get_denial_reasonsOutput', 'required': ['result'], 'properties': {'result': {'type': 'string', 'title': 'Result'}}}
get_lending_by_race
Get mortgage lending patterns disaggregated by race and ethnicity. Returns mortgage origination and denial data broken down by the race/ethnicity of the applicant. Useful for fair lending analysis and identifying disparities in mortgage access. Args: state: Two-letter US state abbreviation (e.g. 'CA', 'TX'). county_fips: Five-digit county FIPS code (e.g. '06037' for LA County). year: Data year (e.g. 2022). Defaults to 2022 if not specified.
Input schema 
{'type': 'object', 'title': 'get_lending_by_raceArguments', 'properties': {'year': {'type': 'integer', 'title': 'Year', 'default': None}, 'state': {'type': 'string', 'title': 'State', 'default': None}, 'county_fips': {'type': 'string', 'title': 'County Fips', 'default': None}}}
Output schema 
{'type': 'object', 'title': 'get_lending_by_raceOutput', 'required': ['result'], 'properties': {'result': {'type': 'string', 'title': 'Result'}}}
get_mortgage_data
Get Home Mortgage Disclosure Act (HMDA) loan-level data. Returns mortgage application and origination records reported by financial institutions under HMDA. At least one geographic filter (state or county_fips) is recommended to limit results. Args: state: Two-letter US state abbreviation (e.g. 'CA', 'TX'). county_fips: Five-digit county FIPS code (e.g. '06037' for LA County). year: Data year (e.g. 2022). Defaults to 2022 if not specified. action_taken: Loan action code: '1' (originated), '2' (approved not accepted), '3' (denied), '4' (withdrawn), '5' (incomplete). loan_type: Loan type code: '1' (conventional), '2' (FHA-insured), '3' (VA-guaranteed), '4' (USDA/RHS). limit: Maximum number of records to return (default 100, max 1000).
Input schema 
{'type': 'object', 'title': 'get_mortgage_dataArguments', 'properties': {'year': {'type': 'integer', 'title': 'Year', 'default': None}, 'limit': {'type': 'integer', 'title': 'Limit', 'default': 100}, 'state': {'type': 'string', 'title': 'State', 'default': None}, 'loan_type': {'type': 'string', 'title': 'Loan Type', 'default': None}, 'county_fips': {'type': 'string', 'title': 'County Fips', 'default': None}, 'action_taken': {'type': 'string', 'title': 'Action Taken', 'default': None}}}
Output schema 
{'type': 'object', 'title': 'get_mortgage_dataOutput', 'required': ['result'], 'properties': {'result': {'type': 'string', 'title': 'Result'}}}
History

Recent tool changes

Added
get_lending_by_race
Sept. 17, 2026, 12:36 p.m.
Added
get_denial_reasons
Sept. 17, 2026, 12:36 p.m.
Added
get_aggregate_stats
Sept. 17, 2026, 12:36 p.m.
Added
get_mortgage_data
Sept. 17, 2026, 12:36 p.m.
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