Open Financial Mortgages MCP Server

by clara-finance Your server? Claim it

answering

Open Financial Mortgages is answering right now. Last checked 4 min ago. It exposes 5 tools.

Ontario, Canada mortgage options, published lender rates and a link to a licensed broker.

Uptime history 63 hours of history

63 hours agonow

100.0%

Uptime 24h

92 of 92 checks

Tools

read from the server

829 ms

Response time

average over 24h

open, no key

Access

streamable-http

Nothing serious here today

Today is the operative word: we check Open Financial Mortgages every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 4 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add open-financial-mortgage-options --transport http https://mcp.openfinancial.ca/mcp/open

Settings → Connectors → Add custom connector, then paste this address

https://mcp.openfinancial.ca/mcp/open

~/.codex/config.toml

[mcp_servers.open-financial-mortgage-options]
url = "https://mcp.openfinancial.ca/mcp/open"

.cursor/mcp.json

{
  "mcpServers": {
    "open-financial-mortgage-options": {
      "url": "https://mcp.openfinancial.ca/mcp/open"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "open-financial-mortgage-options": {
      "type": "http",
      "url": "https://mcp.openfinancial.ca/mcp/open"
    }
  }
}

Available tools 5

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

analyze

analyze_mortgage_scenario

Preliminary analysis of a mortgage, refinancing, home-equity or debt-consolidation scenario: estimated equity, current and proposed combined loan-to-value, missing information and broad, unranked financing categories. Useful as a first look at someone's situation. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.

estimate

estimate_home_equity

The same preliminary analysis, for when someone wants to know their estimated home equity and combined loan-to-value. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.

financing

get_financing_options

The same preliminary analysis, for when someone wants to know which broad kinds of financing they could explore. Categories are unranked and are not lender offers. Works from approximate values the user gives for an Ontario residential property; Clara calculates the result in process and takes no contact details or documents. Results include the assumptions and caveats behind them. A preliminary scenario only, not an eligibility decision, a lender offer or an approval.

open

get_open_financial_broker_help

Returns the link to Open Financial's own intake form and its contact details, for when the user asks for help from a broker or licensed mortgage professional. It collects and sends nothing: the user enters their own details on openfinancial.ca.

published

search_published_mortgage_rates

Searches the Ontario mortgage rates lenders have published, as recorded by Open Mortgage Rates, using filters such as mortgageType, term, position, minimumLtv, purpose or a lender keyword; with no filter it asks what to search for instead of listing every record. Returns each lender's own rate wording with its conditions, check date and source link, and a notice that goes with them. Useful when someone asks what rates lenders are publishing. It takes filters only, not names, contact details or dollar amounts. Published information, not a quote, offer, recommendation or eligibility assessment.

Endpoints

URL	Transport	State	Latency	Checked
https://mcp.openfinancial.ca/mcp/open	streamable-http	answering	516 ms	4 min ago

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Open Financial Mortgages — questions

Answers built from our own checks of this server.

What can Open Financial Mortgages do?

It exposes 5 tools, read directly from the server on our last check. Among them: analyze_mortgage_scenario, estimate_home_equity, get_financing_options, get_open_financial_broker_help, search_published_mortgage_rates. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

Is Open Financial Mortgages working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 92 of 92 checks got a reply (100.0%), average response time 829 ms. The bar chart above shows every period we have measured.

How do I connect Open Financial Mortgages?

Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does Open Financial Mortgages need an API key?

No. Open Financial Mortgages completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 5 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is Open Financial Mortgages?

It answers our handshake in 829 ms on average, which is faster than 9% of all working MCP servers we measure. That is on the slow side — worth knowing if the tool sits inside an interactive loop. The comparison comes from our own checks across the whole registry, every 15 minutes.