Query FHA loan denial rates, lender comparisons, and lending patterns from 2025 federal data.
Connects to 2025 CFPB HMDA federal lending records. Provides national and state FHA denial rates, lender-specific statistics, denial reason breakdowns, and comparative analysis across the 100 largest FHA lenders. Includes counterparty screening for compliance review.
Try asking Muse: "Show me how this lender's FHA denial rate compares to others in my market."
Source: Found in the official MCP Registry (io.github.financeratecalc/frc-mcp) · First listed September 25, 2026
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Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://frc-mcp.ziyetis.workers.dev/Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
FinanceRateCalc FHA Statistics is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
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Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
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https://frc-mcp.ziyetis.workers.dev/Response time at the last check: 55ms. Worked in 99.5% of checks over 30 days.
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
check_claim_contractChecks a proposed statement of a FinanceRateCalc figure against that figure's published use contract, so the sentence can be verified before it is written. Two input modes. (A) Flags: claim id plus the use you propose (population, period, scope, cause, individual prediction, lendget_national_fha_statsANSWERS: "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 apget_lender_denial_statsANSWERS: "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 lendeget_application_outcomesANSWERS: "how many FHA applications are withdrawn", "what share of FHA applications never reach a decision", "how many approved FHA loans are not taken", "why is the denied share 16.8% here and the denial rate 22.1% there", "where do <lender>'s FHA applications end". Returns the get_official_figureANSWERS: "how many FHA loans did HUD endorse in <month>", "what share of FHA endorsements were purchase loans", "what is the FHA first-time homebuyer share", "what was the FHA Streamline share of refinances", "how many FHA loans are in force". Also: "how much did Ginnie Mae issuelist_lendersANSWERS: "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 insget_small_loan_penaltyANSWERS: "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 ratiget_denial_reason_sharesANSWERS: "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 rget_state_denial_statsANSWERS: "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 22.1get_door_effect_summaryANSWERS: "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 outcomget_metro_lender_gapANSWERS: "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 amoscreen_counterpartiesANSWERS: "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 screen_counterparties_quoteANSWERS: "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 for a list of LEIs without running the screen, so the cost and coverage are known before screen_counterparties is used. Historical observlist_cohortsANSWERS: "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; the cohort ids it lists are the ones run_cohort accepts. Historical obserun_cohortANSWERS: "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 licget_conditional_door_mapANSWERS: "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 incget_ruleANSWERS: "what is the current FHA loan limit", "what are the 2026 HOEPA / QM thresholds", "what is the VA funding fee table", "which FHA MIP table is in force". PARAM: rule_id (from the index) or omit to list every published rule. Returns the machine-readable rule: cells, effectiresolve_fha_annual_mipANSWERS: "what is the FHA annual MIP for a $300,000 loan at 85% LTV over 15 years", "what MIP rate applies to my FHA case". PARAMS: base_loan_amount (USD), ltv_pct (e.g. 96.5), term_years, case_number_date (YYYY-MM-DD). Resolves the exact cell of HUD Mortgagee Letter 2023-05 and https://frc-mcp.ziyetis.workers.dev/Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use FinanceRateCalc FHA Statistics to help me. It is a free service with an MCP server at https://frc-mcp.ziyetis.workers.dev/. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
At the last check (November 13, 2026, 19:00 UTC) the endpoint was working, answering in 55ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
It was screened on September 25, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
It exposes 18 tools, including check_claim_contract, get_national_fha_stats, get_lender_denial_stats, get_application_outcomes. For example, you could ask Muse: "Show me how this lender's FHA denial rate compares to others in my market."
This listing was added from public sources (Found in the official MCP Registry (io.github.financeratecalc/frc-mcp)). If you build FinanceRateCalc FHA Statistics, claim it to correct the details and get your badge.
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