MonitorBankRates

com.monitorbankrates/ratesmonitorbankrates.comstreamable-httpv2.0.2Scanned 2 hours ago

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

8 tools: 1 do something that can't be undone and 7 only read.

Reads private data · 2
Reads text others write · 0
Can send data out · 0
1 finding

Anlyon alternative

1 of these tools change something. Run those as governed actions.

Declare what an action changes, and Anlyon puts it under a shared limit, binds every approval to the exact request, and grades the outcome. It works on any HTTPS API you can describe as an action.

Anlyon does not run, proxy or govern this MCP server. A tool your own code calls directly is not routed through Anlyon and is not governed by it.

Import an OpenAPI spec →

Tools

Grouped by what each tool does, most consequential first. Open one for its reasons and full description; descriptions are the publisher's own words.

8 tools

Can't be undone 1Sends, pays, publishes or merges: once done, it cannot be taken back.Claude Code: ask

calculate_loanPayment estimates at today's MonitorBankRates average rate for the state (or national), or a rate you pass.1 finding
Why it is in this group
- The description's first verb is "payment": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "calculate_loan" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "payment": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
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.
Annotations the server declares
- title: Loan payment calculator
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

Only reads 7Looks things up and changes nothing.Show 7 read-only tools

get_average_ratesMonitorBankRates national or state average rates (APY for deposits, APR for loans) computed daily from every published rate across 8,000+ banks and credit unions.No findings
Why it is in this group
- The name "get_average_rates" says "get": a word for reading.
Description, as the server wrote it
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".
Annotations the server declares
- title: Average rates and trends
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_best_ratesTop 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)…No findings
Why it is in this group
- The name "get_best_rates" says "get": a word for reading.
Description, as the server wrote it
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").
Annotations the server declares
- title: Best rates by product
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_indexMonitorBankRates proprietary indexes.No findings
Why it is in this group
- The name "get_index" says "get": a word for reading.
Description, as the server wrote it
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.
Annotations the server declares
- title: Housing affordability and insurance indexes
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_institutionAll 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.Reads private dataNo findings
Why it is in this group
- The name "get_institution" says "get": a word for reading.
What it can reach
- private-dataThe description's first sentence says "branch": it reads repositories.
Description, as the server wrote it
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.
Annotations the server declares
- title: Institution rates and health grade
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_mortgage_lendersMortgage lenders and brokers in a U.S.No findings
Why it is in this group
- The name "get_mortgage_lenders" says "get": a word for reading.
Description, as the server wrote it
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".
Annotations the server declares
- title: Top mortgage lenders and brokers
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
list_rate_keysLists 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).No findings
Why it is in this group
- The name "list_rate_keys" says "list": a word for reading.
Description, as the server wrote it
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.
Annotations the server declares
- title: List rate keys and states
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
search_institutionsSearch MonitorBankRates' directory of 8,000+ U.S.Reads private dataNo findings
Why it is in this group
- The name "search_institutions" says "search": a word for reading.
What it can reach
- private-dataThe description's first sentence says "search" and "directory": it reads files.
Description, as the server wrote it
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.
Annotations the server declares
- title: Find a bank or credit union
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.

Exfil surface

Which tools read private data, which read text someone else can write, and which can send data out. One of each is a path a prompt injection can use.

No private-data, untrusted-input, outbound path in this server alone: no tool is tagged untrusted-input or outbound.

Reads private data2: Reads files, mail, messages, databases, secrets, calendars or repositories.; get_institution
search_institutions
Reads text others write0: Brings in text someone else can write: web pages, inbound email, messages, issues and comments.
Can send data out0: Can carry data to people or systems: it sends, posts or publishes, or takes a recipient, channel or URL.

Other servers in the same agent add their own tools to these paths. Audit your whole setup to see them together.

Findings

Matches of fixed checks, with the text they matched.

1 warn

Warncalculate_loan
The server marks "calculate_loan" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "payment": a word that usually means money moves, which cannot be taken back.
What this check looks for

History

Changes to its tool definitions and to its remote endpoint, newest first.

No change seen yet. Its tools are rescanned every day, and a remote endpoint is looked at once a week.

All changes to this server

Install

Pinned to version 2.0.2. Values in angle brackets are yours to fill in.

claude mcp add --transport http rates https://mcp.monitorbankrates.com/mcp

claude mcp add --transport http rates https://mcp.monitorbankrates.com/mcp

Run in a terminal.

Claude Code permissions

Allow the reads, ask before a change or a way out, deny the deletes. Paste into .claude/settings.json.

.claude/settings.json

{
  "permissions": {
    "allow": [
      "mcp__rates__get_best_rates",
      "mcp__rates__get_average_rates",
      "mcp__rates__search_institutions",
      "mcp__rates__get_institution",
      "mcp__rates__get_mortgage_lenders",
      "mcp__rates__get_index",
      "mcp__rates__list_rate_keys"
    ],
    "ask": [
      "mcp__rates__calculate_loan"
    ],
    "deny": []
  }
}

Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. A read that can send data out (it takes a URL, say) asks first too. It assumes the server is installed as rates. Review it before you use it.

Capability tags behind 2 rules

mcp__rates__search_institutions private-data
mcp__rates__get_institution private-data

Keep the decision: fail CI when the tools change, follow every change, or show a badge.

Pin in CI

Fail a build when the tools you reviewed are not the tools the server serves today.

curl -s "https://anlyon.dev/api/v1/servers/com.monitorbankrates/rates/verify?hash=66bc0a0ea0bceb7dbcd542431833b9dee289a24302fea89e00d097b81a769a96" | jq -e '.changed == false'

Pinned hash 66bc0a0ea0bc, from Oct 31, 2026, 14:17 UTC.

Watch

Get told when its tools change: a new tool, a new description, a new class.

https://anlyon.dev/servers/com.monitorbankrates/rates/changes.xml

An Atom feed. Works in any feed reader or Slack's RSS app.

Badge

[![anlyon.dev](https://anlyon.dev/badge/com.monitorbankrates/rates.svg)](https://anlyon.dev/servers/com.monitorbankrates/rates)

Source: MCP Registry. Synced Oct 31, 2026, 14:17 UTC.