Mortgage Rates Today MCP

io.github.theluckystrike由 GitHub 帳號 theluckystrike 發布v1.0.0更新於 Nov 5, 2026

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

已驗證Streamable HTTP可網頁執行金融資料與分析

概覽

AI 產生的概覽

遠端 MCP 伺服器,讓助理取得 Freddie Mac 每週美國房貸利率、1971 年以來的利率歷史,以及固定利率貸款的還款試算。

可以做什麼
  • 查詢本週 Freddie Mac 30 年期與 15 年期固定利率平均值,含週變動、去年同期變化及 52 週最高、最低與平均
  • 取得指定日期生效的週平均利率,最早可回溯至 1971 年 4 月,並含已公布的 5/1 ARM 與點數
  • 依日期區間取出利率歷史,可用每週、每月或每年彙總,並附區間最高、最低與變化
  • 試算固定利率貸款的每月本金與利息,預設使用本週平均值並與一年前比較
適用情境
適合回答「今天房貸利率是多少」、某個過去日期的利率為何,或利率變動對每月還款有何影響這類問題。此基準每週更新,模型訓練資料無法涵蓋,因此這類查詢需要它。
執行需求
需要一個遠端 streamable HTTP 端點;不需 API 金鑰、權杖或註冊。將伺服器網址加入支援遠端 MCP 的用戶端,例如 Claude.ai 連接器、Claude Code、Claude Desktop、Cursor 或 VS Code。需要能連上該託管端點的網路。
安裝前請注意
數據是針對信用良好、頭期款 20% 的傳統購屋族的全國週平均,並非報價,且不含稅費、保險、PMI 與 HOA 費用。沒有每日利率,也沒有 FHA、VA、巨額貸款系列,2022 年 11 月後無 ARM 資料。託管伺服器會快取資料檔最多一小時,週四新公布的數據可能延遲。結果含出處標示及第三方頁面連結。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 Mortgage Rates Today MCP,將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable,透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式,或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南,先向你展示發布者、端點和登入方式,經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/io.github.theluckystrike%2Fmortgage-rates-today-mcp/install.md,並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前,先告訴我它的發布者、端點和登入方式,等我確認。不要把 API 金鑰寫進命令或我會提交的檔案;問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "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

來源: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.

無需輸入參數。

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.

輸入參數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.

輸入參數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.

輸入參數rateterm_yearsloan_amount必填compare_rate

版本歷史

1
  1. v1.0.0最新Nov 5, 2026

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