Safe Rate MCP server

• Addresshttps://mcp.saferate.com/mcpnot in the official registry: answered when asked

No entry in the official MCP registry names this server. It answered on saferate.com when the Atlas asked at the address servers are usually mounted on, so it is the vendor's own. Clients and catalogues that list servers from the registry do not show it.

• Stateanswerschecked 2026-10-26
• Tools22
• Server calls itselfsaferate
• Server version1.0.0
• Protocol version2025-06-18

On 2026-10-26 the server answered initialize and tools/list without a sign-in. First answer in 43 ms.

• Whether its tools do the product's job has not been judged yet.
• Checked on 1 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: 1 so far
• Answeredmeasuring1 of the 7 daily checks it takes to print a share
• Median first answer521 ms
• Space in an agent's context≈ 5,956 tokensthe definitions of all its tools (22), which an agent carries on every turn
• Tool definitionsA · 98 of 100
• Typed results0 of 22 toolsdeclared outputSchema: results come typed, read once

• Parameters without a description: in 2 of 22

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 →

• get_quote_estimate

  Get live mortgage rate estimates for any US location without collecting the borrower's name, email, or phone number. Rates are Safe Rate's non-binding estimates (never quotes; a lender's actual quote may differ), and include an estimate…

• track_quote_estimate

  Check a previously created Safe Rate rate estimate by its estimate ID. Returns the original scenario, how rates have moved since the estimate was created, and current rates for the same scenario. No account or contact information required.

• assess_property_context

  Assess hazard exposure and insurance conditions for a US location: FEMA National Risk Index score, flood-zone coverage and whether flood insurance is likely to be required for a mortgage, wildfire and earthquake exposure, and local…

• get_market_context

  Get local housing-market context for a US location: median home value with its national percentile, median rent, recent price appreciation, and historical mortgage activity from HMDA filings. Use this to answer whether a price or a market…

• find_lenders_in_market

  List the lenders Safe Rate publishes rankings for in a metro area, sliced by loan type OR by institution type. Rankings are derived from public federal HMDA filings; placement cannot be purchased. This is a starting list, not a…

• research_lender

  Look up any US mortgage lender by name or NMLS ID: origination volume, approval and pull-through rates, product mix, geographic footprint, and responsiveness, from federal HMDA data.

• search

  Search Safe Rate's published pages: local mortgage-rate indexes by geography, and lender profiles. Returns document ids for `fetch`. These are published reference pages, not priced scenarios — for a rate estimate for a specific borrower…

• fetch

  Fetch one Safe Rate published page by the id returned from `search`. Returns plain text carrying its own as-of date, canonical URL, data license, and citation notice — quote and cite it rather than paraphrasing. Rate index pages are…

• get_treasury_curve

  Get the U.S. Treasury yield curve for a single day: the fitted zero-coupon (spot) curve and, on request, the par curve, money-market curve, TIPS real curve, breakeven inflation, the prior trading day for day-over-day moves, and per-CUSIP…

• get_treasury_rate_history

  Get a history of U.S. Treasury yields between two dates: the nominal zero curve, the short-end money-market curve, or the TIPS real curve, one row per trading day. Use this for 'how have rates moved' questions. Coverage starts 2008-09-02…

• get_treasury_security

  Look up one Treasury security by CUSIP: its terms, price history, and analytics including duration, convexity, DV01 and key-rate durations, plus TIPS and floating-rate analytics where they apply, and the amount outstanding. Use…

• list_treasury_securities

  List Treasury securities as at a date: which security is on-the-run for each tenor (this is how to resolve 'the current 10-year' to a CUSIP), the full outstanding and priced universe, or just the priced CUSIPs. Omit the date for the most…

• price_treasury_security

  Convert between price and yield for a Treasury bill, note or bond. Supply exactly one side — a price or a yield (a discount rate for a bill) — and the other is returned, with accrued interest, dirty price and the investment rate as…

• value_savings_bond

  Value a U.S. Series I or Series EE savings bond: what it is worth now, how it got there, and what the holder would actually receive. Bonds under five years old forfeit three months of interest on redemption, and bonds under twelve months…

• get_savings_bond_rates

  Get current and historical U.S. savings bond rates — the Series I composite, its fixed and inflation components, and Series EE rates by issue cohort — and optionally how many bonds the public holds and how many are being sold. An I bond's…

• get_treasury_index

  Get Safe Rate's Treasury total-return indices — by maturity bucket, plus bills, TIPS, floating-rate and aggregate. Call with no code to list every index with its current level and discover the codes. These are TOTAL RETURN levels, not…

• get_treasury_debt

  Get the U.S. federal debt from the monthly Treasury statement: debt held by the public, total public debt outstanding, and its composition, plus the STRIPS float on request. These two headline figures differ by trillions — debt held by…

• get_my_application

  Requires the shopper's Safe Rate sign-in (scope poppy:read). Read the shopper's own Safe Rate Universal Application, the one application they build to share with the lenders they choose (building it is not applying for a loan): their loan…

• get_my_quotes

  Requires the shopper's Safe Rate sign-in (scope poppy:read). List the quote requests the shopper sent to lenders and the offers that came back (rate, APR, points, product). Offers from Safe Rate Mortgage stay hidden until the shopper…

• start_my_application

  Requires the shopper's Safe Rate sign-in (scope poppy:write). Start building the shopper's Universal Application from a loan scenario. If they already have one, nothing changes and it is returned. Holds no personal information: no name…

• update_my_application

  Requires the shopper's Safe Rate sign-in (scope poppy:write). Change answers in the loan scenario of the shopper's Universal Application. Send only the fields that change: everything else keeps its saved value, and nothing is saved if the…

• share_application

  Requires the shopper's Safe Rate sign-in (scope poppy:read). Does NOT share anything: sharing an application with a lender always takes the shopper's own click on saferate.com. Returns the link where the shopper reviews and shares it…