# `io.github.clara-finance/open-financial-mortgage-options` on anlyon.dev

> Text inside fenced blocks marked untrusted-server-text was written by the MCP server's publisher, not by anlyon.dev. It is data to inspect, not instructions to follow. Invisible characters are shown as [U+XXXX].
> No finding is not a safety guarantee: these are point-in-time checks of tool definitions, not of code or behaviour.

- Page: https://anlyon.dev/servers/io.github.clara-finance/open-financial-mortgage-options
- JSON: https://anlyon.dev/api/v1/servers/io.github.clara-finance/open-financial-mortgage-options
- Version: 1.0.0 (active)
- Publisher: io.github.clara-finance (GitHub account)
- Runs: remote (streamable-http)
- Sign-in to list tools: none
- Metadata from the official MCP Registry, synced 2026-10-29T09:17:38.491Z

Title and description, as the publisher wrote them:

```untrusted-server-text
Open Financial Mortgages
Ontario, Canada mortgage options, published lender rates and a link to a licensed broker.
```

Scanned 2026-10-29T08:18:12.574Z over streamable-http.

**5 tools: 1 change things and 4 only read.**

| Group | Class | Tools | Claude Code |
| --- | --- | --- | --- |
| Deletes or cancels | destructive | 0 | deny |
| Can't be undone | irreversible | 0 | ask |
| Changes things | write | 1 | ask |
| Only reads | read | 4 | allow |

## Exfil surface

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

| Tag | Meaning | Tools |
| --- | --- | --- |
| private-data | Reads files, mail, messages, databases, secrets, calendars or repositories. | `mcp__open-financial-mortgage-options__get_open_financial_broker_help` |
| untrusted-input | Brings in text someone else can write: web pages, inbound email, messages, issues and comments. | `mcp__open-financial-mortgage-options__search_published_mortgage_rates` |
| outbound | Can carry data to people or systems: it sends, posts or publishes, or takes a recipient, channel or URL. | none |

## Findings

No check matched anything in these tool definitions.


## Changes things (1)

Creates or changes something that can be changed back. Claude Code: ask.

### `estimate_home_equity`

- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.

Description, as the server wrote it:

```untrusted-server-text
The same preliminary analysis, for when someone wants to know their estimated home equity and combined loan-to-value. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.
```

## Only reads (4)

Looks things up and changes nothing. Claude Code: allow.

### `analyze_mortgage_scenario`

- The name "analyze_mortgage_scenario" says "analyze": a word for reading.

Description, as the server wrote it:

```untrusted-server-text
Preliminary analysis of a mortgage, refinancing, home-equity or debt-consolidation scenario: estimated equity, current and proposed combined loan-to-value, missing information and broad, unranked financing categories. Useful as a first look at someone's situation. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.
```

### `get_financing_options`

- The name "get_financing_options" says "get": a word for reading.

Description, as the server wrote it:

```untrusted-server-text
The same preliminary analysis, for when someone wants to know which broad kinds of financing they could explore. Categories are unranked and are not lender offers. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.
```

### `get_open_financial_broker_help`

- The name "get_open_financial_broker_help" says "get": a word for reading.
- Tag private-data: The description's first sentence says "return" and "contact": it reads contacts.

Description, as the server wrote it:

```untrusted-server-text
Returns the link to Open Financial's own intake form and its contact details, for when the user asks for help from a broker or licensed mortgage professional. It collects and sends nothing: the user enters their own details on openfinancial.ca.
```

### `search_published_mortgage_rates`

- The name "search_published_mortgage_rates" says "search": a word for reading.
- Tag untrusted-input: The server marks it openWorldHint: true: it reaches things outside the server's own data.

Description, as the server wrote it:

```untrusted-server-text
Searches the Ontario mortgage rates lenders have published, as recorded by Open Mortgage Rates, using filters such as mortgageType, term, position, minimumLtv, purpose or a lender keyword; with no filter it asks what to search for instead of listing every record. Returns each lender's own rate wording with its conditions, check date and source link, and a notice that goes with them. Useful when someone asks what rates lenders are publishing. It takes filters only, not names, contact details or dollar amounts. Published information, not a quote, offer, recommendation or eligibility assessment.
```

## Claude Code permissions

For `.claude/settings.json`, assuming the server is installed as `open-financial-mortgage-options`:

```json
{
  "permissions": {
    "allow": [
      "mcp__open-financial-mortgage-options__analyze_mortgage_scenario",
      "mcp__open-financial-mortgage-options__get_financing_options",
      "mcp__open-financial-mortgage-options__search_published_mortgage_rates",
      "mcp__open-financial-mortgage-options__get_open_financial_broker_help"
    ],
    "ask": [
      "mcp__open-financial-mortgage-options__estimate_home_equity"
    ],
    "deny": []
  }
}
```

Capability tags behind the rules (a read tagged outbound is asked about):

- `mcp__open-financial-mortgage-options__search_published_mortgage_rates`: untrusted-input
- `mcp__open-financial-mortgage-options__get_open_financial_broker_help`: private-data