INDIVIDUAL MCP TOOL
decode_loan_estimate_fee
Classify a mortgage Loan Estimate fee by CFPB section and control class (set by lender, shoppable, third-party, government, or prepaid), with a plain-language explanation and an educational question a buyer could ask.
LIVE ENDPOINT
https://candidcost.com/api/mcp
Connect to this endpoint to inspect the live schema for decode_loan_estimate_fee and invoke it with your own arguments.
Indexed input schema
{}Risk classification
Inferred read-only · medium confidence · heuristic, not a guarantee.
- No write-capable action terms were found; this is not proof that invocation has no side effects.
Parent server
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.candidcost]
url = "https://candidcost.com/api/mcp"
enabled = true
Claude Code
.mcp.json
{
"mcpServers": {
"candidcost": {
"type": "http",
"url": "https://candidcost.com/api/mcp"
}
}
}
Claude Desktop
Settings → Connectors → Add custom connector
Name: candidcost
Remote MCP URL: https://candidcost.com/api/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": {
"candidcost": {
"url": "https://candidcost.com/api/mcp"
}
}
}
Visual Studio Code
.vscode/mcp.json
Add to Visual Studio Code{
"servers": {
"candidcost": {
"type": "http",
"url": "https://candidcost.com/api/mcp"
}
}
}
Generic MCP
Client-specific MCP configuration
{
"name": "candidcost",
"transport": "streamable-http",
"url": "https://candidcost.com/api/mcp"
}
MCP Inspector
Run the official MCP Inspector locally and enter the indexed Streamable HTTP endpoint.
Related tools
true_cost_estimate— Estimate the full monthly cost of owning a home — principal & interest, property tax, insurance, PMI, HOA, and maintenance — and contrast it with the lender "approval" payment (PITI+PMI) to reveal the hidden monthly gap.affordability_estimate— Compute front-end (housing) and back-end (total debt) DTI budgets from income and debts, and the home price implied by the binding limit.fee_benchmarks— Return closing-cost and rate-spread percentile distributions (p25/p50/p75 + mean) for a US state, computed from the row-level CFPB HMDA LAR for originated, first-lien, home-purchase loans.benchmark_rates— Return the latest benchmark mortgage rates (e.search_dpa_programs— Find down payment assistance (DPA) programs by US state and/or buyer type.payment_shock_estimate— Estimate why a mortgage payment often jumps in year two: escrow at closing is sized from the seller's current tax bill, but the county reassesses at your purchase price, and RESPA spreads the resulting escrow shortage over 12 months.pressure_check— Decompose the tradeoff a rushed buyer faces: the earnest money at risk by walking away versus what overpaying to "win" costs over the life of the loan.rent_vs_buy_estimate— Compare the net cost of owning against renting over a holding period and find the break-even year.