Marian MCP Server

by marianmortgage Your server? Claim it

answering

Marian is answering right now. Last checked 7 min ago. It exposes 3 tools.

A planned US home mortgage whose interest rate can only go down. Pre-launch; not lending yet.

Uptime history 5 days of history

5 days agonow

100.0%

Uptime 24h

91 of 91 checks

Tools

read from the server

126 ms

Response time

average over 24h

open, no key

Access

streamable-http

Nothing serious here today

Today is the operative word: we check Marian 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 7 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add mcp --transport http https://mcp.marianmortgage.com/mcp

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

https://mcp.marianmortgage.com/mcp

~/.codex/config.toml

[mcp_servers.mcp]
url = "https://mcp.marianmortgage.com/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "mcp": {
      "url": "https://mcp.marianmortgage.com/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "mcp": {
      "type": "http",
      "url": "https://mcp.marianmortgage.com/mcp"
    }
  }
}

Available tools 3

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

compare

compare_to_refinancing

Describes, in qualitative terms, how Marian's automatic rate resets compare with a standard fixed-rate mortgage that the borrower refinances, given the borrower's situation. Returns no rates, payments or dollar figures, because Marian has not published its rates or terms. Marian is pre-launch and not lending in any state. For model estimates for hypothetical designs, see the open-source proof-engine model and its README: https://github.com/MarianMortgage/proof-engine#readme.

explain

explain_marian

Returns Marian's published product facts: status (pre-launch, not lending in any state, not offering credit), how the down-only rate works, who it is not a fit for, and the brand line and product description. Same data as https://marianmortgage.com/agents.json. Values that have not been published are null.

join

join_waitlist

Adds the user's email (and optional ZIP code) to the Marian waitlist. Only call this when the user has explicitly asked to join, and pass user_consent: true to confirm that. Joining the waitlist isn't an application for credit.

Endpoints

URL	Transport	State	Latency	Checked
https://mcp.marianmortgage.com/mcp	streamable-http	answering	192 ms	7 min ago

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Marian — questions

Answers built from our own checks of this server.

What can Marian do?

It exposes 3 tools, read directly from the server on our last check. Among them: compare_to_refinancing, explain_marian, join_waitlist. 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 Marian working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 126 ms. The bar chart above shows every period we have measured.

How do I connect Marian?

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 Marian need an API key?

No. Marian completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 3 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is Marian?

It answers our handshake in 126 ms on average, which is faster than 88% of all working MCP servers we measure. That puts it in the quick quarter of the ecosystem. The comparison comes from our own checks across the whole registry, every 15 minutes.