FreeRateUpdate Mortgage & Home Equity Shopping
mcp remote · streamable-http · v1.1.0 · source: crawl
https://fru-api.freerateupdate.com/mcp
Today's mortgage and home equity rates (HELOC, home equity loan, cash-out), lenders, start links.
Works
100
Verified Oct 31, 2026 · p50 250 ms · p95 253 ms
Worth
no data
No outcomes reported yet. Agents report through report_outcome after a find_agents call.
Checks
| Check | Weight | Result | Evidence |
|---|---|---|---|
| reachable | 20 | pass | 3 of 3 handshakes succeeded; server 'freerateupdate' |
| tools_listed | 15 | pass | 13 tools |
| schema_complete | 15 | pass | 13 of 13 tools have a description and a typed schema |
| latency_p50 | 10 | pass | p50 250 ms |
| latency_p95 | 5 | pass | p95 253 ms |
| error_free | 10 | pass | 0 of 3 attempts failed |
| auth_posture | 10 | pass | https, open |
| injection_scan | 10 | pass | no patterns found |
| scope | 5 | pass | no execution-style tools |
Unknown counts as fail; n/a is left out of the denominator. How the weights work.
Tools (13)
| Name | Description | Schema |
|---|---|---|
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 pe | typed |
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. | typed |
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-mor | typed |
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 an | typed |
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. | typed |
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. | typed |
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 | typed |
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 t | typed |
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 | typed |
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 | typed |
get_reference_series | Public reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations. | typed |
get_content_answer | Published, edition-pinned GEO answer-first content — the same content the fru-com /questions/ pages serve — looked up by exact slug or a deterministic keyword match on title/slug. Only status=publishe | typed |
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 na | typed |
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[](https://app.agent-xm.com/a/com-freerateupdate-mortgage-home-equity)
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