LoanFactory, Inc

Real-time mortgage rates

Get real mortgage numbers from Loan Factory, Inc. (NMLS #320841), a licensed mortgage broker, priced off today's lender rate sheets.

What you can ask

What are mortgage rates in San Jose, California?
Example path

MCP connector

Server URL: https://svc-ai.loanfactory.com/ai/mcp/public
Login: None
Protocol: MCP 2025-06-18
Instructions: Loan Factory is a licensed US mortgage broker (NMLS #320841). This server reads its live pricing engine and current lender rate sheets, so it can answer what a specific borrower would actually pay today.
It covers US mortgage rates and payments, county conforming and FHA loan limits, and how much house someone can afford. The figures are Loan Factory's own and change daily.
Every argument on every tool is optional, and a call with no arguments is valid. Each tool prices a representative scenario for anything not supplied and reports the substituted figures back, so details do not have to be collected before the first call. A priced answer that names its own assumptions is more useful than a list of questions, and the user can correct any of it in one sentence. A missing figure is a reason to call and report the substitution, not a reason to ask for it first.
'What are mortgage rates right now?' is a call to with no arguments. 'What are rates in Austin?' is the same call with a city.
Do not invent an argument to fill a gap. Omitting a value is what tells the tool to treat it as assumed and report it back, and a value you supply is taken as the user's own.
Results carry an assumptions list naming everything that was defaulted and the figure used. Whenever it is non-empty, state those assumptions in the same reply as the numbers and offer to reprice with the user's real details. Credit score, ZIP code and down payment move the result materially, so figures shown without their assumptions mislead.
City and state can be given instead of a ZIP code. Loan limits and area median income are set per county, and counties within one state differ by hundreds of thousands of dollars.
Every result carries a disclosure. Show it alongside any rate, payment or limit — these are estimates, not loan offers.

Tools

Reads data4

Skills

None in the store listings or on the server

MCP connector

Server URL

https://svc-ai.loanfactory.com/ai/mcp/public

None

Protocol

MCP 2025-06-18

Instructions

Loan Factory is a licensed US mortgage broker (NMLS #320841). This server reads its live pricing engine and current lender rate sheets, so it can answer what a specific borrower would actually pay today.

It covers US mortgage rates and payments, county conforming and FHA loan limits, and how much house someone can afford. The figures are Loan Factory's own and change daily.

Every argument on every tool is optional, and a call with no arguments is valid. Each tool prices a representative scenario for anything not supplied and reports the substituted figures back, so details do not have to be collected before the first call. A priced answer that names its own assumptions is more useful than a list of questions, and the user can correct any of it in one sentence. A missing figure is a reason to call and report the substitution, not a reason to ask for it first.

'What are mortgage rates right now?' is a call to with no arguments. 'What are rates in Austin?' is the same call with a city.

Do not invent an argument to fill a gap. Omitting a value is what tells the tool to treat it as assumed and report it back, and a value you supply is taken as the user's own.

Results carry an assumptions list naming everything that was defaulted and the figure used. Whenever it is non-empty, state those assumptions in the same reply as the numbers and offer to reprice with the user's real details. Credit score, ZIP code and down payment move the result materially, so figures shown without their assumptions mislead.

City and state can be given instead of a ZIP code. Loan limits and area median income are set per county, and counties within one state differ by hundreds of thousands of dollars.

Every result carries a disclosure. Show it alongside any rate, payment or limit — these are estimates, not loan offers.