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Mortgage rates today MCP server

This week's Freddie Mac average 30-year and 15-year fixed mortgage rates, past weeks back to 1971 and the payment at today's average.

Connect free Source on GitHub

Free. No key, no sign-in, no paid tier. 4 tools.

Can Claude check mortgage rates today?

Connector URL

https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp

Paste it as a custom connector in Claude, or add it to Claude Code, Cursor or VS Code. Setup for each is below.

What it knows that a model doesn't

A model answers from training data. This server reads the source when you ask.

  • The latest Freddie Mac PMMS weekly average 30-year and 15-year fixed rates, with the week date, the change from last week and the rate a year ago.
  • The average in force on any date since 1971, and weekly, monthly or annual history between two dates.
  • Monthly principal and interest for your loan amount at this week's average. These are national averages, not a quote from a lender.

Sources Freddie Mac Primary Mortgage Market Survey (PMMS) weekly history file (freddiemac.com/pmms), read at call time and used with attribution.

Tools (4)

Read from the live server with tools/list on 2026-11-05.

ToolWhat it does
get_mortgage_rates_today Get mortgage rates today. Latest Freddie Mac PMMS weekly average 30-year and 15-year fixed mortgage rates, read at call time from freddiemac.com: rate, week-over-week change, rate a year ago, 52-week high, low and average, the week date and the next expected release.
get_mortgage_rate_on_date Get mortgage rate on a date. The Freddie Mac PMMS weekly average 30-year and 15-year fixed rates (plus 5/1 ARM and points where published) in force on a date, from 1971-04-02 to today.
get_mortgage_rate_history Get mortgage rate history. Freddie Mac PMMS 30-year or 15-year fixed averages between two dates as weekly rows or monthly or annual averages, with the high, low and change over the range.
calculate_mortgage_payment Calculate mortgage payment. Monthly principal and interest and total interest for a fixed-rate loan. Without a rate it uses this week's Freddie Mac average for 30-year or 15-year terms, and compares it with the average a year earlier.

Connect it

One URL, no token. Pick your app.

Claude.ai and Claude Desktop

Open Settings, then Connectors, then Add custom connector. Paste the URL. Leave the OAuth fields empty. Save.

https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp

Claude Code

Run this in your terminal. Then run claude mcp list to check it.

claude mcp add --transport http mortgage-rates-today https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp

Cursor

Merge this into ~/.cursor/mcp.json (all projects) or .cursor/mcp.json (one project).

{
  "mcpServers": {
    "mortgage-rates-today": {
      "url": "https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

VS Code

Put this in .vscode/mcp.json. The top key is servers, not mcpServers.

{
  "servers": {
    "mortgage-rates-today": {
      "type": "http",
      "url": "https://mortgage-rates-today-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

Things to ask

Paste one into a new chat after you connect.

Sourcegithub.com/theluckystrike/mortgage-rates-today-mcp

Questions

Is the mortgage rates today MCP server free?
Yes. The hosted URL is free and needs no token, key or account. The source is open on GitHub.
Why not just ask the model?
A model answers from its training data. That data stops at a cutoff date, and long sums can drift. This server reads its data or rules each time you ask, so the answer is current and exact.
Where does the data come from?
Freddie Mac Primary Mortgage Market Survey (PMMS) weekly history file (freddiemac.com/pmms), read at call time and used with attribution.
Which apps can use it?
Any MCP client that accepts a remote server URL: Claude.ai and Claude Desktop custom connectors, Claude Code, Cursor, VS Code and others. You can also run it locally with npx.

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