MonitorBankRates

com.monitorbankratesPublished by monitorbankrates.comOfficial publisherv2.0.2Updated Oct 31, 2026

Live US bank and credit union rates, mortgage lenders, and housing and insurance indexes.

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

Remote MCP server giving assistants live U.S. bank and credit union rates, mortgage lender rankings, loan calculators and housing affordability indexes.

What you can do
  • Look up top live rates for deposits, loans and credit cards nationally, by state or by city
  • Get national or state average rates with weekly, monthly and quarterly change and daily history
  • Search and inspect 8,000+ banks and credit unions, including health grades and tracked rates
  • Rank mortgage lenders and brokers by federal HMDA loans closed for a state or city
  • Estimate mortgage, refinance, home equity, HELOC and auto payments at current average rates
  • Read MBR housing affordability and insurance burden indexes, and list valid rate keys and state codes
When to use it
Useful when someone asks about current U.S. deposit or loan rates, wants to compare banks or mortgage lenders in a state or city, needs a payment estimate, or wants affordability context for a housing decision.
Requirements
Remote streamable HTTP endpoint; no packages, environment variables, headers or authentication are declared. Network access to the provider's endpoint is required.
Before you install
Results are informational rate data with an as_of date and source, not financial advice; verify figures on the linked provider page before acting. No credentials are requested, and the tools appear read-only.

Installation

In SourceWeft

  1. Open MonitorBankRates in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/com.monitorbankrates%2Frates/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "monitorbankrates": {
      "type": "http",
      "url": "https://mcp.monitorbankrates.com/mcp"
    }
  }
}

Tools

8

get_best_rates

Best rates by product

Top live rates from MonitorBankRates.com for one product (CDs by term, savings, money market, checking, mortgages, refinance, home equity, auto loans, personal loans, credit cards), nationally, for one U.S. state, or for a city (local branches first). Returns one best quote per institution with the institution health grade, minimum deposit, as-of date, and a link. Use list_rate_keys to see valid product_key values (e.g. "12-month", "high-yield_savings", "30-year", "refinance-30-year", "new-auto").

Parameterscitylimitstatemin_depositproduct_keyrequiredinstitution_type

get_average_rates

Average rates and trends

MonitorBankRates national or state average rates (APY for deposits, APR for loans) computed daily from every published rate across 8,000+ banks and credit unions. Returns the latest value, change over 1 week / 1 month / 3 months, institution and quote counts, and a daily history. Good for "what are CD rates doing", "average mortgage rate in Texas", "average refinance rate", "are savings rates falling".

Parametersdayskeysrequiredstate

search_institutions

Find a bank or credit union

Search MonitorBankRates' directory of 8,000+ U.S. banks and credit unions by name. Returns matches with type, home state, MBR health grade, how many rates are tracked, and the slug to pass to get_institution.

Parameterslimitqueryrequired

get_institution

Institution rates and health grade

All current deposit and loan rates MonitorBankRates tracks for one bank or credit union, plus its MBR health letter grade, star rating, Texas ratio, branch states, and page link. Pass the slug from search_institutions.

Parametersslugrequired

get_mortgage_lenders

Top mortgage lenders and brokers

Mortgage lenders and brokers in a U.S. state or city, ranked by home loans closed in the latest federal HMDA (Home Mortgage Disclosure Act) data, from the MonitorBankRates lender directory. Returns each lender's loans closed, market share, approval share, median loan, loan programs (Conventional, FHA, VA, USDA, Jumbo, HELOC), headquarters, and MBR health grade for banks and credit unions. Good for "best mortgage lenders in Florida", "FHA lenders in Tampa", "credit unions that do mortgages in Ohio".

Parameterscitylimitstaterequiredprogramlender_type

calculate_loan

Loan payment calculator

Payment estimates at today's MonitorBankRates average rate for the state (or national), or a rate you pass. calculator = mortgage (monthly principal and interest; pass amount, or home_price and optional down_payment), refinance (new payment, and with current_rate the monthly savings and breakeven months), home_equity_loan (fixed payment), heloc (interest only payment during the draw period, payment once repayment starts, and the payment if the rate rises 1 point), or auto. Returns the inputs and assumptions used and a link to the matching MonitorBankRates calculator page.

Parametersratestateyearsamountcalculatorrequireddraw_yearshome_pricecurrent_ratedown_paymentclosing_costscurrent_years_left

get_index

Housing affordability and insurance indexes

MonitorBankRates proprietary indexes. "hai" = MBR Housing Affordability Index (daily; 100 = median household exactly affords the median home at today's average 30-year rate; higher is more affordable), with national score, state score and rank, and 90-day history; with a city, the city score, its rank in the state, and the home value, income and payment behind it. "hibi" = Home Insurance Burden Index and "aibi" = Auto Insurance Burden Index (annual; 100 = U.S. average burden; higher is heavier), with state rankings plus an estimated monthly homeowners or car insurance cost for the state or city, by insurer, with the cheapest insurer.

Parameterscityindexrequiredstate

list_rate_keys

List rate keys and states

Lists every rate key accepted by get_best_rates and get_average_rates with its label, product group, and whether it is measured as APY (deposits) or APR (loans). Also lists U.S. state codes.

Takes no parameters.

Version history

1
  1. v2.0.2LatestOct 31, 2026

Score

72% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts

    Publish an icon in the registry entry.

  • Documentation15 pts

    Declare a GitHub repository with a README, or serve resource_documentation in the OAuth protected-resource metadata.

  • LicenseNot applicable

    A hosted service is used under its provider's terms, so no license is expected here. This check is left out of the percentage.