Koskamo

Mortgage Rates Today MCP

An MCP server that retrieves Freddie Mac Primary Mortgage Market Survey data, including current 30-year and 15-year fixed mortgage rates, historical averages since 1971, and mortgage payment calculations. It provides structured JSON results with summaries and source attribution, requiring no API key or sign-up.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Mortgage Rates Today MCP logo, by theluckystrikeCommunity listingStreamable HTTPNo sign-inEndpoint checked 2026-11-07Published by theluckystrike
MCP endpoint (Streamable HTTP)
https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp
Vendor documentation

What its tools do

4 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Read-only (4)

4 of 4 have a description · 4 of 4 declare behavior hints · 3 of 3 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

  • Passed Endpoint answered the live check ·
  • Availability 1 of 1 checks passed in 30 days

What you can do with it

  • Retrieve current weekly Freddie Mac average 30-year and 15-year fixed mortgage rates
  • Get historical mortgage rates for any date since April 1971
  • Calculate monthly principal and interest payments at current or specific rates
  • View weekly, monthly, or annual mortgage rate history with highs and lows

Source and maintenance

Community listingRegistry 1.0.0
mcp-registry: io.github.theluckystrike/mortgage-rates-today-mcp@1.0.0Source repository
Maintenance checked

Protocol and capabilities

Server
mortgage-rates-today-mcp 1.0.0
MCP protocol negotiated in check
2025-11-25
Tools
4 advertised
Resources
Not advertised
Resource templates
Not advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": true
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

US mortgage rates read at call time from the Freddie Mac Primary Mortgage Market Survey (PMMS), the weekly national benchmark published Thursdays at noon ET. A model cannot know this week's rate. Use get_mortgage_rates_today for "what are mortgage rates today" and cite Freddie Mac.

Tools

4 advertised

get_mortgage_rates_today — Get mortgage rates today
Advertised by the server during the last successful anonymous check.
Advertised read-onlyOpen-world

Latest Freddie Mac PMMS weekly average 30-year and 15-year fixed mortgage rates, read at call time from freddiemac.com: rate, week-over-week change, rate a year ago, 52-week high, low and average, the week date and the next expected release. National averages for well-qualified conventional purchase borrowers.

get_mortgage_rates_today input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {}
}
get_mortgage_rates_today annotations
{
  "title": "Mortgage rates today",
  "readOnlyHint": true,
  "openWorldHint": true,
  "idempotentHint": true,
  "destructiveHint": false
}
get_mortgage_rate_on_date — Get mortgage rate on a date
Advertised by the server during the last successful anonymous check.
Advertised read-onlyOpen-world

The Freddie Mac PMMS weekly average 30-year and 15-year fixed rates (plus 5/1 ARM and points where published) in force on a date, from 1971-04-02 to today.

get_mortgage_rate_on_date input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "date"
  ],
  "properties": {
    "date": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "Date, for example \"2021-01-07\" as YYYY-MM-DD."
    }
  },
  "additionalProperties": false
}
get_mortgage_rate_on_date annotations
{
  "title": "Mortgage rate on a date",
  "readOnlyHint": true,
  "openWorldHint": true,
  "idempotentHint": true,
  "destructiveHint": false
}
get_mortgage_rate_history — Get mortgage rate history
Advertised by the server during the last successful anonymous check.
Advertised read-onlyOpen-world

Freddie Mac PMMS 30-year or 15-year fixed averages between two dates as weekly rows or monthly or annual averages, with the high, low and change over the range. Default is the last 52 weeks of the 30-year rate.

get_mortgage_rate_history input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "term": {
      "enum": [
        "30",
        "15"
      ],
      "type": "string",
      "description": "Loan term in years, \"30\" (default) or \"15\"."
    },
    "end_date": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "End date, default the latest week as YYYY-MM-DD."
    },
    "frequency": {
      "enum": [
        "weekly",
        "monthly",
        "annual"
      ],
      "type": "string",
      "description": "Row size. Default weekly up to 3 years, monthly beyond."
    },
    "start_date": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "Start date as YYYY-MM-DD."
    }
  },
  "additionalProperties": false
}
get_mortgage_rate_history annotations
{
  "title": "Mortgage rate history",
  "readOnlyHint": true,
  "openWorldHint": true,
  "idempotentHint": true,
  "destructiveHint": false
}
calculate_mortgage_payment — Calculate mortgage payment
Advertised by the server during the last successful anonymous check.
Advertised read-onlyOpen-world

Monthly principal and interest and total interest for a fixed-rate loan. Without a rate it uses this week's Freddie Mac average for 30-year or 15-year terms, and compares it with the average a year earlier. Taxes, insurance and PMI are not included.

calculate_mortgage_payment input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "loan_amount"
  ],
  "properties": {
    "rate": {
      "type": "number",
      "description": "Annual rate in percent. Default: the latest Freddie Mac average for the term.",
      "exclusiveMaximum": 30,
      "exclusiveMinimum": 0
    },
    "term_years": {
      "type": "integer",
      "maximum": 40,
      "minimum": 1,
      "description": "Term in years. Default 30."
    },
    "loan_amount": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 1000,
      "description": "Loan amount in dollars, for example 400000."
    },
    "compare_rate": {
      "type": "number",
      "description": "A second rate to compare. Default: the Freddie Mac average a year earlier.",
      "exclusiveMaximum": 30,
      "exclusiveMinimum": 0
    }
  },
  "additionalProperties": false
}
calculate_mortgage_payment annotations
{
  "title": "Mortgage payment",
  "readOnlyHint": true,
  "openWorldHint": true,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
605 ms
95th percentile latency
605 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 605 ms · metadata changed · 4 tool(s)

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 the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http mortgage-rates-today-mcp https://mortgage-rates-today-mcp.lipmichal.workers.dev/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 mortgage-rates-today-mcp --url https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable mortgage-rates-today-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "mortgage-rates-today-mcp": {
      "url": "https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "mortgage-rates-today-mcp": {
      "type": "streamableHttp",
      "url": "https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start mortgage-rates-today-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "mortgage-rates-today-mcp": {
      "type": "http",
      "url": "https://mortgage-rates-today-mcp.lipmichal.workers.dev/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 mortgage-rates-today-mcp https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.
Claude Desktop configuration
https://mortgage-rates-today-mcp.lipmichal.workers.dev/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": {
    "mortgage-rates-today-mcp": {
      "serverUrl": "https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

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