Mortgage Rates Today MCP

io.github.theluckystrike由 GitHub 账号 theluckystrike 发布v1.0.0更新于 Nov 5, 2026

Mortgage rates today: Freddie Mac weekly 30 and 15 year fixed averages, history and payment math.

已验证Streamable HTTP可网页运行金融数据与分析

概览

AI 生成的概览

远程 MCP 服务器，让助手获取 Freddie Mac 每周美国房贷利率、1971 年以来的利率历史，以及固定利率贷款的还款计算。

可以做什么
  • 查询本周 Freddie Mac 30 年期与 15 年期固定利率平均值，含周环比、去年同期变化及 52 周最高、最低与均值
  • 获取指定日期生效的周度平均利率，最早可回溯至 1971 年 4 月，并含已发布的 5/1 ARM 与点数
  • 按日期区间提取利率历史，可按周、按月或按年汇总，并给出区间最高、最低与变化
  • 计算固定利率贷款的每月本金与利息，默认使用本周平均值并与一年前对比
适用场景
适合回答“今天房贷利率是多少”、某个过去日期的利率是多少，或利率变化对月供有何影响这类问题。该基准每周更新，模型训练数据无法覆盖，因此这类查询需要它。
运行要求
需要一个远程 streamable HTTP 端点；无需 API 密钥、令牌或注册。将服务器地址添加到支持远程 MCP 的客户端，如 Claude.ai 连接器、Claude Code、Claude Desktop、Cursor 或 VS Code。需要能访问该托管端点的网络。
安装前请注意
数据是面向资质良好、首付 20% 的传统购房者的全国周度平均值，并非报价，且不含税费、保险、PMI 与 HOA 费用。没有日度利率，也没有 FHA、VA、巨额贷款系列，2022 年 11 月后无 ARM 数据。托管服务器会缓存数据文件最多一小时，周四新发布的数据可能延迟。结果包含署名及第三方页面链接。

安装

在 SourceWeft 中

  1. 打开 控制台中的 Mortgage Rates Today MCP，将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable，通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体，或 SourceWeft 对话中。智能体会读取该服务器的安装指南，先向你展示发布者、端点和登录方式，经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/io.github.theluckystrike%2Fmortgage-rates-today-mcp/install.md，并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前，先告诉我它的发布者、端点和登录方式，等我确认。不要把 API 密钥写进命令或我会提交的文件；问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

{
  "mcpServers": {
    "mortgage-rates-today": {
      "type": "http",
      "url": "https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

README

mortgage-rates-today-mcp

Mortgage rates today for AI assistants. Ask for this week's average 30-year or 15-year fixed rate and get the Freddie Mac number, the change from last week and a year ago, and what it means for a monthly payment.

This is a Model Context Protocol (MCP) server. It reads the Freddie Mac Primary Mortgage Market Survey (PMMS) at call time. It needs no API key.

Tools

ToolWhat it returns
get_mortgage_rates_todayThis week's Freddie Mac average 30-year and 15-year fixed rates, the change from last week and a year ago, the 52-week high, low and average, the week date and the next release date.
get_mortgage_rate_on_dateThe weekly average in force on any date since April 1971, with the 5/1 ARM and points where Freddie Mac published them.
get_mortgage_rate_historyWeekly rows or monthly or annual averages for a date range, with the high, low and change.
calculate_mortgage_paymentMonthly principal and interest at today's average (or any rate), compared with the average a year earlier.

Every result has structured JSON, a one-paragraph summary, as_of, source (freddiemac.com/pmms), the data file URL and more (a page on mcpstamp.com). Results carry the Freddie Mac attribution.

What it knows that your model does not

  • This week's rate. Freddie Mac publishes a new national average every Thursday at noon Eastern, so any number in a model's training data is out of date.
  • The exact weekly history since 1971, for questions like "what was the rate when I bought in March 2021".
  • Payment math tied to the current average, so the comparison with a year ago uses real numbers.

Install

Hosted (Claude.ai custom connector, ChatGPT developer mode)

Paste this URL. No token, no sign-up. It works now.

https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp

Claude Code

claude mcp add --transport http mortgage-rates https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp

Claude Desktop

Claude Desktop adds remote servers under Settings, Connectors, Add custom connector. Paste the URL above.

Cursor

Add to ~/.cursor/mcp.json:

json
{  "mcpServers": {    "mortgage-rates": { "url": "https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp" }  }}

VS Code

Add to .vscode/mcp.json:

json
{  "servers": {    "mortgage-rates": { "type": "http", "url": "https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp" }  }}

Local stdio (after npm release)

The npm package is not published yet. After it is, run it locally with Node 20 or newer:

claude mcp add mortgage-rates -- npx -y mortgage-rates-today-mcp

Example prompts

  • "What are mortgage rates today?"
  • "What is the average 30-year fixed mortgage rate this week, and is it up or down?"
  • "What was the 30-year mortgage rate in January 2021?"
  • "Show me the monthly average 15-year rate since 2024."
  • "What is the monthly payment on a $400,000 loan at today's rate, compared with a year ago?"

Data sources

Full list with fetch dates in DATA_SOURCES.md.

Limitations

  • PMMS is a national weekly average for well-qualified conventional purchase borrowers with 20 percent down. It is not a quote. Your rate depends on credit, down payment, points, loan type, state and lender.
  • No daily rates, no FHA, VA or jumbo series, and no ARM data after November 2022.
  • The hosted server caches the file for up to an hour, so a new Thursday release can take up to an hour to appear.
  • Payments exclude taxes, insurance, PMI and HOA dues.

More

More MCP servers that answer questions your assistant cannot answer alone are on mcpstamp.com.

Part of the Zovo MCP collection: https://mcp.zovo.one

Built by theluckystrike.

Development

npm installnpm test                              # builds, then runs the fixture tests and an offline stdio testnode scripts/stdio-transcript.mjs     # live stdio round trip, writes .live/stdio-transcript.jsonl

License

MIT

来源：README.md，提交 f7d8bde

工具

4

get_mortgage_rates_today

Get mortgage rates today

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.

无需输入参数。

get_mortgage_rate_on_date

Get mortgage rate on a date

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.

输入参数date必填

get_mortgage_rate_history

Get mortgage rate history

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.

输入参数termend_datefrequencystart_date

calculate_mortgage_payment

Calculate mortgage payment

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.

输入参数rateterm_yearsloan_amount必填compare_rate

版本历史

1
  1. v1.0.0最新Nov 5, 2026

评分

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