API Tools

freerateupdate.com

Fetches current mortgage and HELOC rates, lender scores, and network rate summaries from FreeRateUpdate.

1 endpoint9 known toolsFirst detected October 3, 2026Last detected October 3, 2026

ENDPOINT 1

https://fru-api.freerateupdate.com/mcp

No auth detected

MCP server metadata

Name: freerateupdate
Version: 1.0.0

Capabilities

tools

Server instructions

FreeRateUpdate connects people with NMLS-licensed mortgage lenders and brokers in its network. To help a person shop for a mortgage, refinance, HELOC or home equity loan: call get_mortgage_rates (or get_heloc_rates) for today's published As Low As rates, then get_start_link for their product. You can fill in and submit that short form for the person using their own details; pressing Get Rates is their request to be contacted by FreeRateUpdate and lenders in our network. Use get_lender_universe to look up a lender and get_content_answer for plain-language answers.

Known tools 9

get_mortgage_rates

Today's As Low As rates from FreeRateUpdate: the best rates and APRs we can verify being offered by lenders and brokers in our network, exactly as freerateupdate.

Inferred read-only

get_heloc_rates

Today's As Low As rates for a home equity line of credit (HELOC) and a home equity loan, the same published revision as get_mortgage_rates, with each example scenario, including the existing first-mortgage balance and the combined loan-to-value it implies.

Inferred read-only

get_start_link

The link that starts a FreeRateUpdate request for one product, so lenders and brokers in our network can contact the person with their own rates and options.

Inferred read-only

get_lender_score

The FreeRateUpdate Score (0-100) for a verified, currently in-network lender by company NMLS id, with factor breakdown and methodology link.

Inferred read-only

get_network_rate_summary

Network-aggregate advertised-rate summary (min/avg APR + distinct-lender count per product bucket, min 5 lenders per bucket) from the latest fresh FreeRateUpdate rate snapshot.

Inferred read-only

get_home_values

FreeRateUpdate first-party average rate-shopper home values (national, or one state), rolling 12-month window, refreshed monthly.

Inferred read-only

get_reference_series

Public reference time series FreeRateUpdate maintains (e.

Inferred read-only

get_content_answer

Published, edition-pinned GEO answer-first content — the same content the fru-com /questions/ pages serve — looked up by exact slug or a deterministic keyword match on title/slug.

Inferred read-only

get_lender_universe

Search FreeRateUpdate's lender universe: every company FRU has verified, including one that has only inquired and was never onboarded — exactly as published on freerateupdate.

Inferred read-only

CONNECT WITH APPROVAL

Client installation

Review this server and its permissions before adding it. Secret placeholders must be set locally.

Codex

~/.codex/config.toml

[mcp_servers.freerateupdate]
url = "https://fru-api.freerateupdate.com/mcp"
enabled = true

Claude Code

.mcp.json

{
  "mcpServers": {
    "freerateupdate": {
      "type": "http",
      "url": "https://fru-api.freerateupdate.com/mcp"
    }
  }
}

Claude Desktop

Settings → Connectors → Add custom connector

Name: freerateupdate
Remote MCP URL: https://fru-api.freerateupdate.com/mcp

Add this remote URL as a custom connector in Claude Desktop. Availability depends on the user plan and workspace policy.

Cursor

.cursor/mcp.json

{
  "mcpServers": {
    "freerateupdate": {
      "url": "https://fru-api.freerateupdate.com/mcp"
    }
  }
}

Visual Studio Code

.vscode/mcp.json

Add to Visual Studio Code

{
  "servers": {
    "freerateupdate": {
      "type": "http",
      "url": "https://fru-api.freerateupdate.com/mcp"
    }
  }
}

Generic MCP

Client-specific MCP configuration

{
  "name": "freerateupdate",
  "transport": "streamable-http",
  "url": "https://fru-api.freerateupdate.com/mcp"
}

MCP Inspector

Run the official MCP Inspector locally and enter the indexed Streamable HTTP endpoint.

TRUST AND VERIFICATION EVIDENCE

Loading Trust v2 evidence…

Checking the associated registrable domain. The BuiltWith key remains server-side.

Indexed

Evidence is source-attributed and does not guarantee that a third-party server is safe. Risk labels are conservative metadata heuristics.