FreeRateUpdate Mortgage & Home Equity Shopping

Connect Remote server

claude mcp add --transport http mortgage-home-equity https://fru-api.freerateupdate.com/mcp

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

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

Settings > Connectors > Add custom connector
URL: https://fru-api.freerateupdate.com/mcp

Tools 17 found in our last check

• 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 equity loan and cash-out refinance first, t…

• 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 loan-to-value it implies. Advertised rates for a…

• 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 for them, using their own details, or give…

• get_loan_limits

  The conforming and FHA loan limits for the counties a five-digit ZIP code falls in, for the 2026 published schedule, as freerateupdate.com publishes them at https://www.freerateupdate.com/loan-limits. Each limit carries the official source it came from (FHFA for conforming, HUD…

• 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_state_property_tax

  FreeRateUpdate state dataset: median real estate property taxes, median monthly owner costs and median home value by state from the Census ACS 5-year, with the effective tax rate as the ratio of the two medians. Attribution and the canonical page travel with the rows so an answe…

• get_state_loan_to_income

  FreeRateUpdate first-party dataset: the median loan amount our shoppers request in each state against that state median household income, as a ratio, by product. The sample floor is published with the figures so a thin state is visible rather than implied.

• get_state_mortgage_free_homeownership

  FreeRateUpdate state dataset: owner-occupied housing units owned free and clear (no mortgage) by state, from the Census ACS 5-year B25081, with the owner-occupied universe, the units with and without a mortgage, the derived share and the ACS vintage, plus the national figure whe…

• 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

  A published FreeRateUpdate answer to a mortgage or home-equity question, pinned to the edition it was published in. Ask by exact slug, or by keywords that are matched against the title and slug. Topics covered include HELOC and home equity, purchase, refinance and cash-out, FHA…

• get_lender_universe

  Search FreeRateUpdate's published lender pages: every company the public page resolver publishes on freerateupdate.com/reviews/, and nothing else. A row shows only what that page shows: the display name, the company NMLS, the states the page shows (currently none: fru-com's lice…

• get_news_episodes

  The FRU News episodes FreeRateUpdate has published: slug, title, description, series, publication date and the page to read, newest first. Omit slug for the list; pass a slug for one episode; pass series to narrow the list. An empty answer is never returned for a read failure: t…

• get_lender_profile

  What a lender's published FreeRateUpdate page shows about the lender itself: the page URL, the Overview, Mortgage options and How it works sections as plain text, the loan types the page names, and who reviewed the biography and when. A name that matches more than one published…

• get_lender_figures

  One lender's published HMDA figures, by name: originations, denials, approval rate, rate spread, closing costs and product mix for the latest reported year, from the same FFIEC source the lender's FreeRateUpdate page is built from. A name that matches more than one published pag…

• get_lender_sec_figures

  One lender's published SEC-filed parent figures: revenue, net income and the like, taken from the annual or quarterly filing the lender page prints. Ask with a lender name or its company NMLS. The figures are the REGISTRANT's (for example Rocket Companies, Inc. for Rocket Mortga…

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