Check a county's loan limit, a loan's price adjustment, FHA/VA/USDA fees or a lender.
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What lenders reported for a U.S. county in the latest HMDA filing year: purchase, refinance and cash-out loans and applications by loan type (conventional, FHA, VA, USDA) against the national mix, and the denial rate with its base named. Describes a market, never a person; small counts are withheld. Give a county FIPS code, or a county name with its state.
optional HMDA filing year; defaults to the latest published
two-letter state code, needed with county
county name, e.g. "Bexar" or "Los Angeles County"; give state too
5-digit county FIPS code, e.g. "48029" for Bexar County, TX
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
Run in a terminal
claude mcp add --transport http dealmatcher https://dealmatcherapp.com/api/mcp
What lenders reported for a U.S. county in the latest HMDA filing year: purchase, refinance and cash-out loans and applications by loan type (conventional, FHA, VA, USDA) against the national mix, and the denial rate with its base named. Describes a market, never a person; small counts are withheld. Give a county FIPS code, or a county name with its state.
| Argument | Type | Description |
|---|---|---|
| year | integer | optional HMDA filing year; defaults to the latest published |
| state | string | two-letter state code, needed with county |
| county | string | county name, e.g. "Bexar" or "Los Angeles County"; give state too |
| county_fips | string | 5-digit county FIPS code, e.g. "48029" for Bexar County, TX |
{
"type": "object",
"properties": {
"year": {
"type": "integer",
"maximum": 2100,
"minimum": 2018,
"description": "optional HMDA filing year; defaults to the latest published"
},
"state": {
"type": "string",
"pattern": "^[A-Za-z]{2}$",
"description": "two-letter state code, needed with county"
},
"county": {
"type": "string",
"maxLength": 80,
"minLength": 2,
"description": "county name, e.g. \"Bexar\" or \"Los Angeles County\"; give state too"
},
"county_fips": {
"type": "string",
"pattern": "^\\d{5}$",
"description": "5-digit county FIPS code, e.g. \"48029\" for Bexar County, TX"
}
},
"additionalProperties": false
}The published government fee a program adds to an anonymized loan: FHA upfront and annual mortgage insurance premium (MIP) and how long it runs, the VA funding fee, or the USDA guarantee fee, from the agency schedules with their effective dates. A published fee, never an interest rate and never a credit decision.
| Argument | Type | Description |
|---|---|---|
| ltv* | string | loan-to-value, e.g. "96.5" or "100%", at most two decimals |
| program* | string | |
| va_exempt | boolean | VA only: a borrower exempt from the funding fee |
| term_years | integer | loan term in years; required for FHA |
| va_purpose | string | VA only |
| loan_amount* | string | base loan amount, e.g. "$300,000" |
| va_first_use | boolean | VA only: first use (default true) |
{
"type": "object",
"required": [
"program",
"loan_amount",
"ltv"
],
"properties": {
"ltv": {
"type": "string",
"pattern": "^\\s*\\d{1,3}(\\.\\d{1,3})?\\s*%?\\s*$",
"description": "loan-to-value, e.g. \"96.5\" or \"100%\", at most two decimals"
},
"program": {
"enum": [
"FHA",
"VA",
"USDA"
],
"type": "string"
},
"va_exempt": {
"type": "boolean",
"description": "VA only: a borrower exempt from the funding fee"
},
"term_years": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "loan term in years; required for FHA"
},
"va_purpose": {
"enum": [
"PURCHASE",
"CASHOUT",
"IRRRL",
"ASSUMPTION"
],
"type": "string",
"description": "VA only"
},
"loan_amount": {
"type": "string",
"pattern": "^\\s*\\$?\\s*[\\d,]{1,12}(\\.\\d{1,2})?\\s*$",
"description": "base loan amount, e.g. \"$300,000\""
},
"va_first_use": {
"type": "boolean",
"description": "VA only: first use (default true)"
}
},
"additionalProperties": false
}A mortgage lender's own 2025 HMDA filing, by name or LEI: records, loans originated and their dollar total, the loan-type and loan-purpose mix, and its largest states. Not a rating; no per-lender approval or denial rate is given.
| Argument | Type | Description |
|---|---|---|
| query* | string | part of the lender's legal name, e.g. "Wells Fargo", or its 20-character LEI |
| state | string | optional: only lenders with HMDA records for property in this state |
{
"type": "object",
"required": [
"query"
],
"properties": {
"query": {
"type": "string",
"maxLength": 120,
"minLength": 3,
"description": "part of the lender's legal name, e.g. \"Wells Fargo\", or its 20-character LEI"
},
"state": {
"type": "string",
"pattern": "^[A-Za-z]{2}$",
"description": "optional: only lenders with HMDA records for property in this state"
}
},
"additionalProperties": false
}Fannie Mae's published loan-level price adjustment (LLPA) for an anonymized conventional scenario (Classic FICO, LTV, loan amount, purpose, occupancy, property type), the dollar price it adds, and the structuring moves that lower it, with the matrix edition. An LLPA is a one-time price adjustment, never an interest rate and never a credit decision; the lender decides. Takes numbers only, never a borrower's name or details.
| Argument | Type | Description |
|---|---|---|
| ltv* | string | loan-to-value, e.g. "90" or "80.5%". Read as Fannie Mae does (Selling Guide B2-1.2-01): truncated to two decimals, then rounded up to the whole percent. |
| fico* | integer | representative Classic FICO score, e.g. 740. VantageScore 4.0 pricing is not loaded, so a VantageScore must not be given here: Fannie Mae's 09/30/2026 reissue of LL-2026-06 removed the separate VantageScore 4.0 grids, and DealMatcher has not encoded how a VantageScore is priced now. |
| purpose | string | |
| homeready | boolean | |
| occupancy | string | |
| minimum_mi | boolean | true if the loan uses Fannie Mae's minimum mortgage insurance coverage option (adds the Minimum-MI charge) |
| term_years |
The 2026 conforming loan limit for a U.S. county (1 to 4 units) from the Federal Housing Finance Agency's county file, whether the county is above the national baseline (high-balance), the county's FHA loan limits (1 to 4 units) from HUD's county file with its year, and the DealMatcher page to cite. Give a 5-digit county FIPS code, or a county name with its two-letter state.
| Argument | Type | Description |
|---|---|---|
| state | string | two-letter state code, needed with county |
| county | string | county name, e.g. "Bexar" or "Los Angeles County"; give state too |
| county_fips | string | 5-digit county FIPS code, e.g. "48029" for Bexar County, TX |
{
"type": "object",
"properties": {
"state": {
"type": "string",
"pattern": "^[A-Za-z]{2}$",
"description": "two-letter state code, needed with county"
},
"county": {
"type": "string",
"maxLength": 80,
"minLength": 2,
"description": "county name, e.g. \"Bexar\" or \"Los Angeles County\"; give state too"
},
"county_fips": {
"type": "string",
"pattern": "^\\d{5}$",
"description": "5-digit county FIPS code, e.g. \"48029\" for Bexar County, TX"
}
},
"additionalProperties": false
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 14, 2026.
| integer |
| loan term in years; defaults to 30 and the answer says so. Fannie Mae's purchase and limited cash-out score grids apply only to terms over 15 years. |
| loan_amount* | string | dollar amount, e.g. "$360,000" |
| amortization | string |
| high_balance | boolean | true if the loan is above the county baseline (high-balance) |
| mh_advantage | boolean | manufactured home only: true if it meets MH Advantage (no manufactured-home charge) |
| duty_to_serve | boolean | true if the loan may meet a Duty to Serve category (flagged as a possible waiver, never applied) |
| property_type | string | DETACHED_CONDO and COOP do not pay the condo charge (matrix footnote 1) |
| first_time_homebuyer | boolean |
| subordinate_financing | boolean | true if there is a second lien (CLTV above LTV) |
{
"type": "object",
"required": [
"fico",
"ltv",
"loan_amount"
],
"properties": {
"ltv": {
"type": "string",
"pattern": "^\\s*\\d{1,3}(\\.\\d{1,3})?\\s*%?\\s*$",
"description": "loan-to-value, e.g. \"90\" or \"80.5%\". Read as Fannie Mae does (Selling Guide B2-1.2-01): truncated to two decimals, then rounded up to the whole percent."
},
"fico": {
"type": "integer",
"maximum": 850,
"minimum": 300,
"description": "representative Classic FICO score, e.g. 740. VantageScore 4.0 pricing is not loaded, so a VantageScore must not be given here: Fannie Mae's 09/30/2026 reissue of LL-2026-06 removed the separate VantageScore 4.0 grids, and DealMatcher has not encoded how a VantageScore is priced now."
},
"purpose": {
"enum": [
"PURCHASE",
"LIMITED_CASHOUT",
"CASHOUT"
],
"type": "string"
},
"homeready": {
"type": "boolean"
},
"occupancy": {
"enum": [
"PRIMARY",
"SECOND_HOME",
"INVESTMENT"
],
"type": "string"
},
"minimum_mi": {
"type": "boolean",
"description": "true if the loan uses Fannie Mae's minimum mortgage insurance coverage option (adds the Minimum-MI charge)"
},
"term_years": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "loan term in years; defaults to 30 and the answer says so. Fannie Mae's purchase and limited cash-out score grids apply only to terms over 15 years."
},
"loan_amount": {
"type": "string",
"pattern": "^\\s*\\$?\\s*[\\d,]{1,12}(\\.\\d{1,2})?\\s*$",
"description": "dollar amount, e.g. \"$360,000\""
},
"amortization": {
"enum": [
"FIXED",
"ARM"
],
"type": "string"
},
"high_balance": {
"type": "boolean",
"description": "true if the loan is above the county baseline (high-balance)"
},
"mh_advantage": {
"type": "boolean",
"description": "manufactured home only: true if it meets MH Advantage (no manufactured-home charge)"
},
"duty_to_serve": {
"type": "boolean",
"description": "true if the loan may meet a Duty to Serve category (flagged as a possible waiver, never applied)"
},
"property_type": {
"enum": [
"SFR",
"CONDO",
"DETACHED_CONDO",
"COOP",
"MANUFACTURED",
"UNITS_2_4"
],
"type": "string",
"description": "DETACHED_CONDO and COOP do not pay the condo charge (matrix footnote 1)"
},
"first_time_homebuyer": {
"type": "boolean"
},
"subordinate_financing": {
"type": "boolean",
"description": "true if there is a second lien (CLTV above LTV)"
}
},
"additionalProperties": false
}