# FinanceRateCalc FHA Statistics Muse connector From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta. ## FinanceRateCalc FHA Statistics Query FHA loan denial rates, lender comparisons, and lending patterns from 2025 federal data. - Record: https://musedirectory.ai/connector/financeratecalc-fha-statistics - Category: Finance & Bills - Developer: FinanceRateCalc (https://financeratecalc.com/mcp-server.html) - Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse. - Health: Working, 149ms, checked 2026-09-28T08:01:49Z - Endpoint: https://frc-mcp.ziyetis.workers.dev/ - Auth: No account needed; Pricing: unknown - Screening: Screened, no issues found (2026-09-25T07:21:42Z) - Source: Found in the official MCP Registry (io.github.financeratecalc/frc-mcp) https://registry.modelcontextprotocol.io/v0/servers?search=io.github.financeratecalc%2Ffrc-mcp 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. Example request: "Show me how this lender's FHA denial rate compares to others in my market." How to connect: 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. Tools: - 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_quali - 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 ap - get_lender_denial_stats: ANSWERS: "what is 's FHA denial rate", "does reject a lot of FHA applications", "how strict is ", "how does compare". PARAM: lender name, slug or LEI. Returns that lender's 2025 decisioned volume, denial rate, rank among the 100 largest FHA lende - 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 ins - 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 rati - 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 r - get_state_denial_stats: ANSWERS: "what is the FHA denial rate in ", "is it harder to get an FHA loan in ", "how does 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 - 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 outcom - get_metro_lender_gap: ANSWERS: "do lenders differ within one city", "what is the FHA denial gap in ", "which lender is strictest in ", "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 amo - 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 - 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 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 - run_cohort: ANSWERS: "run the screen on ", "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 lic - get_conditional_door_map: ANSWERS: "does this lender's strictness depend on loan size or leverage", "where is 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 inc Screening checks: - MCP handshake: pass (Answered in 34ms) - Domain against threat feeds (Cloudflare security DNS): pass (frc-mcp.ziyetis.workers.dev, financeratecalc.com not flagged) - Published packages against the OSV malicious-package database: pass (No malicious-package advisories) - Hidden instructions or invisible characters in tool text: pass (14 tools read, nothing found) - Inputs asking for passwords, card numbers or seed phrases: pass (None found) - Domain and redirects: pass (Domain registered 2785 days ago) - AI review of purpose and tool behavior: pass (No concerns)