mtgmon Mortgage Analytics

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

Read-only U.S. mortgage market, lender, GSE performance, and servicing analytics.

Add to your agent

Copy this into your MCP client config:

{
  "mcpServers": {
    "mtgmon Mortgage Analytics": {
      "url": "https://mtgmon.com/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (10)

• get_market_snapshot read-only

  Latest U.S. mortgage rates, TBA par coupons, Treasury and SOFR benchmarks, and mtgmon's fitted MBS basis in one call. No arguments. Use for: "what are mortgage rates today", 30y vs 15y, current coupon, 2y/10y Treasury, SOFR swap levels, whether MBS spreads are rich or cheap versus the model. Do not use for: rate history (not exposed here) or GSE loan performance (get_loan_performance). Returns data.rates, a list of up to 9 points {series, date, value, previous_value, change} for series MORTGAGE30US and MORTGAGE15US (Freddie Mac PMMS, weekly), tba_par_coupon_30y and tba_par_coupon_15y, 2Y and 10Y Treasury, and SOFR O/N, SOFR 2Y, SOFR 10Y; plus data.mbs_basis {model_version, latest_date, latest_basis_bps, latest_fair_bps, latest_gap_bps, latest_gap_zscore, r2_level_full_sample, ec_half_life_days, ...}. Rates are percent, basis is basis points. Series have different observation dates; quote each point's own date. Behavior: read-only, no auth or API key, no PII, idempotent and safe to retry. The public endpoint https://mtgmon.com/mcp allows about 60 requests/min and 250 tool calls/day per client IP. Result shape is {data, meta}; meta carries available, as_of, source_scope, weighting, units, cache_status, caveats, and truncated. If meta.available is false the data is unavailable or the cache is still warming (retry after a few seconds); never report it as zero.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• get_loan_performance read-only

  Fannie Mae and Freddie Mac single-family loan-performance analytics for exactly one topic. Topics: - credit: monthly origination FICO and LTV (origination-UPB weighted). data.series {fico, ltv} and data.latest. - prepayment: monthly CPR and SMM (UPB weighted). - delinquency: monthly 30/60/90+ day delinquency rates (UPB-weighted stock rates). - loss: monthly loss severity (percent) and net loss (USD billions), plus data.latest_waterfall. - vintage: cumulative default-rate curves by vintage year over loan age (data.series = [{vintage, points}]). - transitions: loan-level monthly flows between Current/DQ30/DQ60/DQ90+/Modified/Liquidated (data.flows, top_n rows of {from, to, loans, upb, prob}) and data.history {cure_history, roll_30_60_history, roll_60_90_history}. - modification: outcomes at 6/12/18/24/36 months after a first 90+ DPD event, Modified vs NotModified arms (data.horizons, data.outcome_states, data.cohort_size, data.pooled, data.recent_vintages). - rate_sensitivity: modelled CPR under rate shocks (data.scenario = [{rate_shock_bps, predicted_cpr}], data.model {current_rate, current_cpr, slope}). - lock_in: active book by WAC vs today's mortgage rate: data.summary {total_upb, loan_count, wac_weighted, pct_below_mtg, pct_200bps_otm, pct_100bps_otm, pct_in_money} and data.largest_wac_age_cells {wac, age_band, upb}. Use for: agency credit quality, prepayment speeds, delinquency, roll and cure rates, modification outcomes, losses, the lock-in effect. Do not use for: originator volume or market share (search_lenders / get_lender_profile), today's rates (get_market_snapshot), per-servicer performance (get_servicer_analytics). Time-series topics return data.series {metric: [{date, value}, ...]} downsampled to max_points, plus data.latest. Scope is public GSE loan-level disclosures, not the whole U.S. market; meta.as_of is the latest reporting month. Behavior: read-only, no auth or API key, no PII, idempotent and safe to retry. The public endpoint https://mtgmon.com/mcp allows about 60 requests/min and 250 tool calls/day per client IP. Result shape is {data, meta}; meta carries available, as_of, source_scope, weighting, units, cache_status, caveats, and truncated. If meta.available is false the data is unavailable or the cache is still warming (retry after a few seconds); never report it as zero.

  Parameters:

  • topic (required) — string — Exactly one analytics topic: credit, prepayment, delinquency, loss (monthly time series); vintage (curves by vintage year); transitions (loan-level state flows); modification (post-90DPD outcomes); rate_sensitivity (CPR under rate shocks); lock_in (book by WAC vs today's rate).
  • gse — string — 'all' = Fannie Mae + Freddie Mac combined (default), 'fnma' = Fannie Mae only, 'fhlmc' = Freddie Mac only.
  • top_n — integer — Maximum ranked rows, 1-50 (default 20): transition flows, modification vintages, or lock-in WAC/age cells. Ignored by other topics.
  • to_date — Latest month to include, ISO date YYYY-MM-DD; must be on or after from_date. Default: latest available month.
  • from_date — Earliest month to include, ISO date YYYY-MM-DD. Applies to credit, prepayment, delinquency, loss, and transitions history. Default: full available history.
  • max_points — integer — Maximum points per time series after uniform downsampling, 1-120 (default 60). Use 120 for the finest monthly detail. Applies to time-series, vintage, and transitions topics.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• search_lenders read-only

  Find HMDA lenders and resolve names to canonical lender keys. Call this before any other lender tool. Use for: turning a company name ('Rocket', 'UWM', 'Wells Fargo', 'PennyMac') into its canonical key, ranking lenders by origination volume, or listing lenders by charter type or headquarters state. Then pass a result's exact `name` (e.g. 'Rocket/Quicken') as `lender` to get_lender_profile, get_hmda_product_analytics, or get_servicer_analytics mode='transfers', or as lender_a / lender_b to compare_lenders. Legal names such as 'Rocket Mortgage, LLC' are not keys and return meta.available=false downstream. Returns data.results (at most `limit` rows of {name, leis, charter_type, hq_state, recent_year, recent_volume, total_loans, volume_rank, subsidiary_count}), data.matched_count, and data.total_count. recent_volume is USD originations in recent_year (the latest HMDA year). Keys are holding-company or originator groups, so subsidiaries and LEIs roll up into one key. Behavior: read-only, no auth or API key, no PII, idempotent and safe to retry. The public endpoint https://mtgmon.com/mcp allows about 60 requests/min and 250 tool calls/day per client IP. Result shape is {data, meta}; meta carries available, as_of, source_scope, weighting, units, cache_status, caveats, and truncated. If meta.available is false the data is unavailable or the cache is still warming (retry after a few seconds); never report it as zero.

  Parameters:

  • sort — string — Result order: volume_desc (default, largest recent-year volume first), volume_asc, name_asc, name_desc, loans_desc (most loans first), rank_asc (best volume rank first).
  • limit — integer — Maximum results, 1-25 (default 10).
  • query — string — Case-insensitive substring of the lender name, e.g. 'rocket', 'united wholesale', 'wells'. Empty (default) returns the top lenders in sort order.
  • state — string — Two-letter USPS code of the lender's headquarters state, e.g. 'MI'. Empty (default) = all states.
  • charter — string — Filter by charter type exactly as shown in results' charter_type, e.g. 'Bank' or 'Independent Mortgage Company'. Empty (default) = all charter types.
  • min_volume — number — Minimum recent-year origination volume in USD, e.g. 1000000000 for $1B+. Default 0 (no floor).

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• get_hmda_product_analytics read-only

  HMDA origination counts, reported dollar amounts, averages, and year-over-year growth for one product family, optionally for one property state or one lender, with an annual history back to 2018. Use for: HELOC, reverse-mortgage, or closed-end mortgage origination volume and growth; product mix by loan program (conventional/FHA/VA/USDA), purpose, lien, occupancy, construction method, or business purpose; state-level or lender-level product questions. Do not use for: lender rankings or market share (search_lenders / get_lender_profile) or GSE loan performance (get_loan_performance). Important: product_family defaults to 'heloc'. Use 'closed_end_mortgage' for ordinary mortgages or 'all' for every HMDA origination. Source is the frozen annual FFIEC/CFPB HMDA Snapshot LAR (one release per year, 2018 onward); state filters use the property state, not the lender's headquarters. Returns data.selected_year, data.current and data.previous (each {year, origination_count, reported_amount_count, reported_amount_sum, average_reported_amount, reported_amount_max, origination_count_yoy_pct, reported_amount_sum_yoy_pct, average_reported_amount_yoy_pct}), data.history (one such row per year), data.filters (applied filters), data.definition, and data.source_releases. Amounts are USD; YoY fields are percent; for HELOCs the amount is credit available, not the drawn balance. Behavior: read-only, no auth or API key, no PII, idempotent and safe to retry. The public endpoint https://mtgmon.com/mcp allows about 60 requests/min and 250 tool calls/day per client IP. Result shape is {data, meta}; meta carries available, as_of, source_scope, weighting, units, cache_status, caveats, and truncated. If meta.available is false the data is unavailable or the cache is still warming (retry after a few seconds); never report it as zero.

  Parameters:

  • year — HMDA activity year, 2018 or later. Default: latest published Snapshot year (see data.selected_year).
  • state — string — Two-letter USPS code of the property state, e.g. 'TX' (not the lender HQ). Empty (default) = nationwide.
  • lender — Canonical HMDA lender key: the exact `name` value from a search_lenders result, e.g. 'Rocket/Quicken' or 'United Wholesale Mortgage'. Legal names such as 'Rocket Mortgage, LLC' do not match and return meta.available=false. Default: all lenders.
  • loan_program — string — 'all' (default), 'conventional', 'fha', 'va', 'usda_rhs', or 'unknown'.
  • loan_purpose — string — 'all' (default), 'purchase', 'home_improvement', 'refinance' (rate/term), 'cash_out_refinance', 'other', 'not_applicable', or 'unknown'.
  • lien_position — string — 'all' (default), 'first', 'subordinate', 'not_secured', 'not_applicable', or 'unknown'.
  • occupancy_type — string — 'all' (default), 'principal_residence', 'second_residence', 'investment_property', or 'unknown'.
  • product_family — string — 'heloc' (DEFAULT: open-end lines of credit that are not reverse mortgages), 'closed_end_mortgage' (ordinary first and second mortgages), 'reverse_mortgage', 'unclassified_or_exempt', or 'all' (every HMDA origination). Set this explicitly; the default is not the whole market.
  • business_purpose — string — 'all' (default: consumer + business + exempt/unknown records), 'consumer', 'business', or 'exempt_unknown'.
  • credit_structure — string — 'all' (default), 'open_end', 'closed_end', or 'exempt_unknown'. Usually leave 'all'; product_family already implies it.
  • construction_method — string — 'all' (default), 'site_built', 'manufactured', or 'unknown'.
  • reverse_mortgage_status — string — 'all' (default), 'reverse', 'not_reverse', or 'exempt_unknown'. Usually leave 'all'; product_family already implies it.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• get_lender_profile read-only

  HMDA profile for one lender group: annual origination volume, loan counts, denial rate, national rank and market share, top states with market-share multiples, and loan type / purpose / occupancy / loan-size mix. Requires a canonical key: call search_lenders and pass the exact `name` (e.g. 'Rocket/Quicken'). Any other spelling returns meta.available=false with empty lists. Use compare_lenders for two lenders side by side. Returns data.lender_key, data.name, data.leis, data.current_year, data.previous_year, data.yearly (one row per HMDA year: originated_volume, originated_loans, purchased_volume, purchased_loans, denied_loans, applications_loans, total_funded_volume, avg_loan_size, denial_rate_pct, denial_rate_count_pct, rank, national_volume, market_share_pct), data.top_states {state, volume, loans, previous_volume, previous_loans} and data.state_market_multiples {state, lender_share_pct, market_share_pct, multiple, ...} (top_n rows each), data.loan_type_mix, data.loan_purpose_mix, data.occupancy_mix ({code, label, loans, volume}), and data.loan_size_histogram. Volumes are USD; shares and rates are percent. Behavior: read-only, no auth or API key, no PII, idempotent and safe to retry. The public endpoint https://mtgmon.com/mcp allows about 60 requests/min and 250 tool calls/day per client IP. Result shape is {data, meta}; meta carries available, as_of, source_scope, weighting, units, cache_status, caveats, and truncated. If meta.available is false the data is unavailable or the cache is still warming (retry after a few seconds); never report it as zero.

  Parameters:

  • lender (required) — string — Canonical HMDA lender key: the exact `name` value from a search_lenders result, e.g. 'Rocket/Quicken' or 'United Wholesale Mortgage'. Legal names such as 'Rocket Mortgage, LLC' do not match and return meta.available=false.
  • top_n — integer — Maximum rows in top_states and state_market_multiples, 1-50 (default 10).

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• compare_lenders read-only

  Side-by-side HMDA comparison of two lender groups: yearly volume, loans, rank, and market share for both; loan type / purpose / occupancy mix; and the top states with each lender's volume and the volume multiple between them. Requires canonical keys for both lenders: call search_lenders and pass each result's exact `name`. For a single lender use get_lender_profile. Returns data.lenders, data.current_year, data.previous_year, data.yearly (both lenders per HMDA year), data.loan_type_mix, data.loan_purpose_mix, data.occupancy_mix, and data.top_state_comparison (top_n rows with lender_1_volume, lender_2_volume, multiple). Volumes are USD; shares are percent. Behavior: read-only, no auth or API key, no PII, idempotent and safe to retry. The public endpoint https://mtgmon.com/mcp allows about 60 requests/min and 250 tool calls/day per client IP. Result shape is {data, meta}; meta carries available, as_of, source_scope, weighting, units, cache_status, caveats, and truncated. If meta.available is false the data is unavailable or the cache is still warming (retry after a few seconds); never report it as zero.

  Parameters:

  • lender_a (required) — string — First lender. Canonical HMDA lender key: the exact `name` value from a search_lenders result, e.g. 'Rocket/Quicken' or 'United Wholesale Mortgage'. Legal names such as 'Rocket Mortgage, LLC' do not match and return meta.available=false.
  • lender_b (required) — string — Second lender, different from lender_a. Canonical HMDA lender key: the exact `name` value from a search_lenders result, e.g. 'Rocket/Quicken' or 'United Wholesale Mortgage'. Legal names such as 'Rocket Mortgage, LLC' do not match and return meta.available=false.
  • top_n — integer — Maximum states in top_state_comparison, 1-50 (default 10).

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• get_servicer_analytics read-only

  Agency (Fannie Mae / Freddie Mac) servicer analytics in one of three modes. - mode='scorecard': largest servicers ranked by disclosed origination UPB for the current and previous year with average FICO and LTV. Returns data.servicers (top_n rows of {rank, name, volume, previous_volume, avg_fico, avg_ltv}), data.current_year, data.previous_year. - mode='performance': monthly CPR and 90+ day delinquency per top servicer for one origination vintage against the whole-book benchmark. Returns data.servicers {name: {cpr: [{date, value}], dq90: [...]}} downsampled to max_points, data.book {cpr, dq90}, data.vintage, data.latest_date. - mode='transfers': where one originator's Fannie Mae loans are serviced today and how servicing moved from the seller. Requires `lender` (canonical key from search_lenders). Returns data.seller_name, data.summary {loan_count, origination_upb, loans_with_transfer, pct_loans_with_transfer, total_transfer_events, ...}, data.latest_active_servicers {servicer, loans, upb, upb_share_pct}, data.top_routes and data.top_named_routes {from_servicer, to_servicer, events, event_share_pct}, data.first_to_latest {first_servicer, latest_servicer, loans, original_upb} (top_n rows each). Use for: "largest servicers", "which servicer prepays fastest or has the worst DQ for the 2021 vintage", "who services Rocket's loans now". Do not use for: HMDA origination volume (get_lender_profile) or book-wide delinquency (get_loan_performance topic='delinquency'). Coverage is disclosed agency loans matched by seller/servicer name, not any servicer's full portfolio. UPB and volume are USD; CPR and DQ90 are percent. Behavior: read-only, no auth or API key, no PII, idempotent and safe to retry. The public endpoint https://mtgmon.com/mcp allows about 60 requests/min and 250 tool calls/day per client IP. Result shape is {data, meta}; meta carries available, as_of, source_scope, weighting, units, cache_status, caveats, and truncated. If meta.available is false the data is unavailable or the cache is still warming (retry after a few seconds); never report it as zero.

  Parameters:

  • mode (required) — string — 'scorecard' (servicers ranked by disclosed volume), 'performance' (per-servicer CPR and DQ90 series for one vintage), or 'transfers' (one lender's servicing-transfer routes; requires `lender`).
  • gse — string — 'all' = Fannie Mae + Freddie Mac combined (default), 'fnma' = Fannie Mae only, 'fhlmc' = Freddie Mac only. Used by scorecard and performance; transfers is Fannie Mae only.
  • top_n — integer — Maximum servicers (scorecard, performance) or rows per route list (transfers), 1-25 (default 10).
  • lender — Canonical HMDA lender key: the exact `name` value from a search_lenders result, e.g. 'Rocket/Quicken' or 'United Wholesale Mortgage'. Legal names such as 'Rocket Mortgage, LLC' do not match and return meta.available=false. Required for mode='transfers'; ignored by other modes.
  • vintage — integer — Origination year for mode='performance' (default 2021). Ignored by other modes.
  • max_points — integer — Maximum points per CPR/DQ90 series for mode='performance', 1-120 (default 60). Ignored by other modes.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• get_dataset_status read-only

  Coverage, freshness, and build metadata for every mtgmon dataset. No arguments. Use for: "how current is the data", finding the latest available month or HMDA year before quoting figures, or diagnosing another tool's meta.available=false. Returns data.datasets, a list of {name, description, category, provider, coverage, last_updated, last_updated_label, stats, refresh} covering GSE loan performance, HMDA, market rates, SEC filings, and derived marts; and data.build {app, lake, cache_backend, cache}. Refresh cadences differ by dataset; read each row's coverage and last_updated. Behavior: read-only, no auth or API key, no PII, idempotent and safe to retry. The public endpoint https://mtgmon.com/mcp allows about 60 requests/min and 250 tool calls/day per client IP. Result shape is {data, meta}; meta carries available, as_of, source_scope, weighting, units, cache_status, caveats, and truncated. If meta.available is false the data is unavailable or the cache is still warming (retry after a few seconds); never report it as zero.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• search_sec_filings read-only

  Search SEC EDGAR filings of mortgage-related public companies (lenders, servicers, mortgage REITs, insurers, GSEs) that mtgmon has summarized. Newest filing date first. Use for: finding a company's 10-K, 10-Q, 8-K, or other filings by ticker, CIK, form type, keyword, or date window, and getting the filing_id to pass to get_sec_filing. Do not use for: full filing text (only summaries are stored) or companies outside the mortgage sector. Returns data.filings (at most `limit` rows of {filing_id, accession_number, filer_cik, form, filing_date, company_name, description, summary_status, summary_excerpt, summary_created_at, edgar_url}) and data.next_cursor (pass back as `cursor` for the next page; null when exhausted; meta.truncated is true when more pages exist). Only filings whose summary processing finished are listed; summaries are machine-generated and should be checked against edgar_url. Behavior: read-only, no auth or API key, no PII, idempotent and safe to retry. The public endpoint https://mtgmon.com/mcp allows about 60 requests/min and 250 tool calls/day per client IP. Result shape is {data, meta}; meta carries available, as_of, source_scope, weighting, units, cache_status, caveats, and truncated. If meta.available is false the data is unavailable or the cache is still warming (retry after a few seconds); never report it as zero.

  Parameters:

  • cik — string — SEC Central Index Key of the filer, digits only, e.g. '1805284'. Empty (default) = any filer.
  • form — string — SEC form type, e.g. '10-K', '10-Q', '8-K', 'S-1', 'DEF 14A'. Case-insensitive. Empty (default) = all forms.
  • limit — integer — Maximum filings per page, 1-25 (default 10).
  • query — string — Free-text keyword search over company name and summary text, e.g. 'servicing portfolio sale'. Empty (default) = no text filter.
  • cursor — string — Opaque pagination token copied from a previous result's data.next_cursor. Empty (default) = first page.
  • ticker — string — Stock ticker of the filer, e.g. 'RKT', 'UWMC', 'PFSI'. Case-insensitive; retired symbols such as 'GHIV' also match. Empty (default) = any.
  • to_date — Latest filing date, ISO YYYY-MM-DD; must not be before from_date. Default: no upper bound.
  • from_date — Earliest filing date, ISO YYYY-MM-DD. Default: no lower bound.
  • summary_status — string — '' (default: all), 'summarized' (a machine summary exists), or 'unavailable' (summary could not be produced).

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• get_sec_filing read-only

  Full detail for one SEC filing: metadata and EDGAR link, mtgmon's machine-generated summary, which tracked mortgage entities the filing concerns and in what role, named people with titles and compensation, extracted financial facts, and ownership rows. Get the filing_id from search_sec_filings first. Returns data.filing {filing_id, accession_number, filer_cik, form, filing_date, company_name, description, canonical_summary, summary_status, summary_model, edgar_url, ...}, data.associations [{display_name, ticker (current symbol), retired_tickers, cik, relationship_role, summary, link_status, ...}], data.people [{name, title, compensation, note}], data.financials [{metric, value, unit, period}], and data.ownership. Each list is capped. Verify summaries against the linked filing before relying on them. Behavior: read-only, no auth or API key, no PII, idempotent and safe to retry. The public endpoint https://mtgmon.com/mcp allows about 60 requests/min and 250 tool calls/day per client IP. Result shape is {data, meta}; meta carries available, as_of, source_scope, weighting, units, cache_status, caveats, and truncated. If meta.available is false the data is unavailable or the cache is still warming (retry after a few seconds); never report it as zero.

  Parameters:

  • filing_id (required) — string — Filing identifier exactly as returned in a search_sec_filings result's filing_id field, typically the SEC accession number such as '0002100121-26-001023'. Letters, digits, '-' and '_' only.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

Publisher website Repository

Measured by MCPYP probing. Untested fields are omitted, never estimated. Listing is always free; MCPYP never proxies calls or stores user tokens.