FreeRateUpdate MCP server

Which servers in the official MCP registry are FreeRateUpdate's own, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-10-16

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Whose server it is

Registry namecom.freerateupdate/mortgage-home-equityverified in the MCP registry

The registry name sits under freerateupdate.com. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

When we asked itchecked 2026-10-16

Stateanswerschecked 2026-10-16
Tools9
Server calls itselffreerateupdate
Server version1.0.0
Protocol version2025-06-18

On 2026-10-16 the server answered initialize and tools/list without a sign-in. First answer in 251 ms.

Tools it offers9 tools · read 2026-10-16

get_mortgage_rates
Today's mortgage and home equity As Low As rates from FreeRateUpdate: the best rates and APRs we can verify being offered by lenders and brokers in our network, exactly as freerateupdate.com publishes them, one per product: HELOC, home…
get_heloc_rates
Today's As Low As rates for a home equity line of credit (HELOC) and a home equity loan, the same published revision as get_mortgage_rates, with each example scenario, including the existing first-mortgage balance and the combined…
get_start_link
The link that starts a FreeRateUpdate request for one product, so lenders and brokers in our network can contact the person with their own rates and options. You can open it in the person's browser and fill in and submit the short form…
get_lender_score
The FreeRateUpdate Score (0-100) for a verified, currently in-network lender by company NMLS id, with factor breakdown and methodology link. Companies without a published current Score are not found.
get_network_rate_summary
Network-aggregate advertised-rate summary (min/avg APR + distinct-lender count per product bucket, min 5 lenders per bucket) from the latest fresh FreeRateUpdate rate snapshot. Aggregates only — no per-lender rates.
get_home_values
FreeRateUpdate first-party median home value from consumers who shopped rates with us (national, or one state), rolling 12-month window, refreshed monthly.
get_reference_series
Public reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations.
get_content_answer
Published, edition-pinned GEO answer-first content — the same content the fru-com /questions/ pages serve — looked up by exact slug or a deterministic keyword match on title/slug. Only status=published entries are ever returned; internal…
get_lender_universe
Search FreeRateUpdate's lender universe: every company FRU has verified, including one that has only inquired and was never onboarded — exactly as published on freerateupdate.com. Verification is a property of every row, not a filter…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

{
  "mcpServers": {
    "mortgage-home-equity": {
      "type": "http",
      "url": "https://fru-api.freerateupdate.com/mcp"
    }
  }
}

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.