HomeMortgageOnline MCP server

• Registry namecom.homemortgageonline/mortgage-toolsverified in the MCP registry

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

• Stateanswerschecked 2026-10-27
• Tools15
• Server calls itselfcom.homemortgageonline/mortgage-tools
• Server version1.0.0
• Protocol version2025-06-18

On 2026-10-27 the server answered initialize and tools/list without a sign-in. First answer in 76 ms.

• Its tools do every use case we checked: check this week's national mortgage rate averages; estimate a monthly payment including taxes and insurance; budget cash needed to close before gathering loan documents.
• Checked on 2 of the 7 days it takes to judge reliability.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

• INITE MCP scoreafter a weeka score needs 7 daily checks: 2 so far
• What an agent can do with it3 of 3 use cases
• Answeredmeasuring2 of the 7 daily checks it takes to print a share
• Median first answer124 ms
• Space in an agent's context≈ 1,845 tokensthe definitions of all its tools (15), which an agent carries on every turn
• Tool definitionsB · 86 of 100
• Typed results0 of 15 toolsdeclared outputSchema: results come typed, read once

• Parameters without a description: in 13 of 15

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

• mortgage_payment

  Monthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote.

• affordability

  Home price search from the affordability calculator. Every input is required. The page defaults (36% DTI, 30 years, 7.28%) are not filled in. Missing inputs return "not available".

• refinance_break_even

  Break-even months from the refinance page: closing costs divided by monthly savings, rounded up. Or pass both loans and the principal-and-interest formula supplies the savings. Missing inputs return "not available".

• amortization_schedule

  Fixed-payment amortization using the mortgage calculator payment and the PMI calculator's balance step. Pass loanAmount, or price and downPayment. Schedule rows over 360 months return "not available".

• pmi_estimate

  Monthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote.

• closing_costs

  Cash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate.

• loan_path_note

  Educational loan-path note already coded on the site. goal is veteran, rural, lowdown, highprice, refi, or conventional. credit may be fair or thin. Unknown goal returns "not available".

• published_rates

  Dated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote.

• rate_outlook

  30-year fixed history and scenario band from the rate outlook chart. Optional label such as 2024, Now, +1 mo, or +6 mo. An unknown label returns "not available".

• state_rate_context

  Looks up a state on the rates-by-state page. stateSpecificRate is "not available" because the site does not publish a separate state rate. Unknown state returns "not available".

• tax_itemize

  Mortgage-interest worksheet. Compares qualified interest plus other itemized amounts to a standard-deduction assumption you supply. No IRS table is filled in. Missing required inputs return "not available".

• tax_points

  Points worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available".

• tax_pmi_treatment

  PMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available".

• tax_salt

  SALT worksheet. Property tax is a cash cost. A federal deduction is returned only when saltCapAssumption is supplied. Otherwise that deduction is "not available".

• tax_take_home_piti

  Take-home versus PITI worksheet. Missing required housing or take-home inputs return "not available".