FreeRateUpdate MCP MCP server

An official MCP server provided by FreeRateUpdate that allows AI agents to retrieve current mortgage and home equity rates, access lender information, and initiate loan applications on behalf of users without requiring authentication.

Endpoint and access

No sign-in: your client connects and lists tools immediately, with no account or key.

No sign-inEndpoint checked 2026-10-05Operated by FreeRateUpdate.com LLC

MCP endpoint (Streamable HTTP)

https://fru-api.freerateupdate.com/mcp

Vendor documentation

What you can do with it

Retrieve today's advertised mortgage and home equity rates
Look up lender details and scores by NMLS ID
Initiate loan application forms for users
Get plain-language answers to mortgage questions

Tools advertised by the last live check:

get_mortgage_rates
get_heloc_rates
get_start_link
get_lender_score
get_network_rate_summary
get_home_values
get_reference_series
get_content_answer
get_lender_universe

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers a Streamable HTTP server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

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

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add freerateupdate-mcp --url https://fru-api.freerateupdate.com/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable freerateupdate-mcp in your MCP settings.

Cursor configuration

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

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure). The type must be streamableHttp for a remote HTTP server.

Cline configuration

{
  "mcpServers": {
    "freerateupdate-mcp": {
      "type": "streamableHttp",
      "url": "https://fru-api.freerateupdate.com/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start freerateupdate-mcp and inspect its tools.

VS Code configuration

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

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http freerateupdate-mcp https://fru-api.freerateupdate.com/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

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

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "freerateupdate-mcp": {
      "serverUrl": "https://fru-api.freerateupdate.com/mcp"
    }
  }
}

See all 128

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