Is the Rateapi MCP server down?

mcp-registry/dev.rateapi/mcp · v2.1.0

As of 2026-10-26 17:10 UTC, the Rateapi MCP server is up with a Glimind reliability score of 100/100 (grade A). Over the last 30 days it answered 100% of Glimind's liveness checks. It had 1 outage in 90 days, with a median recovery of 5 minutes.

Live US mortgage, auto, HELOC, personal & deposit rates with evidence, plus who can join each lender

Point your MCP client at this streamable-http endpoint: https://mcp.rateapi.dev/mcp

Agent-readiness: C (77/100)

What to fix (6)

Auto-fix: 1 corrected tool definition

Paste-ready definitions with the problems above fixed. Changes marked verify need a human look. 7 tool(s) still need parameter descriptions written by someone who knows the API. All of them as JSON: /v1/readiness/mcp-registry%2Fdev.rateapi%2Fmcp/fixes

{
  "name": "save_scenario",
  "description": "Save a rate comparison for a named client so it can be recalled later (a lightweight CRM for loan officers). Pass the client label and the inputs/results you want to keep.",
  "inputSchema": {
    "type": "object",
    "required": [
      "client_name",
      "input",
      "result_snapshot"
    ],
    "properties": {
      "input": {
        "type": "object",
        "description": "The scenario inputs (product, amount, state, term, etc.)"
      },
      "client_name": {
        "type": "string",
        "description": "Client/scenario label, e.g. \"Smith — $400k purchase, CA\""
      },
      "result_snapshot": {
        "description": "The comparison result to store (object from get_financing_decision/compare_products)",
        "type": "string"
      }
    }
  },
  "annotations": {
    "readOnlyHint": false,
    "openWorldHint": false,
    "destructiveHint": false
  }
}

Get alerted

Get an email or webhook when this server's readiness drops by 10+ points, tool-poisoning text appears, or a tool breaks:

curl -X POST https://glimind.com/v1/subscriptions -H 'content-type: application/json' -d '{"tools":["mcp-registry/dev.rateapi/mcp"],"email":"[email protected]"}'

Agents: watch_tool({"toolId": "mcp-registry/dev.rateapi/mcp"}) over MCP.

Passed

• Every tool declares whether it is read-only or destructive.
• No tool-poisoning patterns (hidden characters, instruction overrides, concealment, secret access, tool shadowing).
• Tool names are unique and portable across clients.
• 100.00% uptime over 30 days.
• No breaking contract changes in 30 days.

Largest tool definitions

• compare_personal_access_catalogs ~6,200 tokens
• compare_reachable_offers ~6,154 tokens
• find_reachable_offers ~4,004 tokens
• check_membership_eligibility ~3,795 tokens
• find_eligible_credit_unions ~3,561 tokens

Static checks of the advertised tools/list (schema, descriptions, annotations, tool-poisoning patterns, names, size) plus observed protocol, uptime, latency and contract changes. Read-only: no tool is ever called. Weights: schema 15, docs 20, safety 15, efficiency 15, compatibility 15, protocol 5, reliability 10, stability 5. Token counts are estimates (~3.6 characters per token).

Operator? Fix these, then re-check live. Embed the readiness badge:

[![MCP agent-readiness](https://glimind.com/v1/readiness/badge/mcp-registry%2Fdev.rateapi%2Fmcp.svg)](https://glimind.com/server/mcp-registry%2Fdev.rateapi%2Fmcp?ref=badge)

<a href="https://glimind.com/server/mcp-registry%2Fdev.rateapi%2Fmcp?ref=badge"><img src="https://glimind.com/v1/readiness/badge/mcp-registry%2Fdev.rateapi%2Fmcp.svg" alt="MCP agent-readiness"></a>

.. image:: https://glimind.com/v1/readiness/badge/mcp-registry%2Fdev.rateapi%2Fmcp.svg
   :target: https://glimind.com/server/mcp-registry%2Fdev.rateapi%2Fmcp?ref=badge
   :alt: MCP agent-readiness

Tool-definition log

Glimind records every version of this server's tool definitions in a signed, append-only transparency log. Current manifest sha256:31af88b09acd868e…, first seen 2026-10-17, included at leaf 5926 of 74,305. Version history · verify what your client received.

Tools (89)

• add_campaign_recipients
• analyze_rent_vs_buy
• assess_buy_timing
• assess_rate_lock
• batch_decisions
• build_amortization_schedule
• check_advice_guardrails
• check_competitive_position
• check_membership_eligibility
• compare_personal_access_catalogs
• compare_products
• compare_reachable_offers
• compare_total_cost
• create_competitor_monitor
• create_email_campaign
• create_monitor
• delete_cohort
• delete_digest
• delete_email_campaign
• delete_monitor
• delete_scenario
• deliver_test_webhook
• estimate_affordability
• estimate_monthly_cost
• evaluate_eligibility_cohort
• explain_ranking
• extract_eligibility_facts
• find_credit_unions_near_zip
• find_eligible_credit_unions
• find_product_rates_near_zip
• find_reachable_offers
• generate_client_report
• generate_share_link
• get_benchmarks
• get_cohort
• get_coverage
• get_credit_union
• get_deposit_benchmarks
• get_deposit_beta
• get_doc
• get_eligibility_changes
• get_eligibility_coverage
• get_email_branding
• get_extraction_stats
• get_financing_decision
• get_league_table
• get_monitor
• get_monitor_stats
• get_personal_access_catalog
• get_product_access_envelopes
• get_rate_delta
• get_rate_history
• get_scenario
• get_usage
• list_cohorts
• list_credit_unions
• list_decision_logs
• list_digests
• list_email_campaigns
• list_monitors
• list_rate_alerts
• list_rates
• list_scenarios
• list_shares
• list_webhook_deliveries
• max_loan
• optimize_buydown
• project_pmi_removal
• rate_sanity_check
• refinance_break_even
• remove_campaign_recipient
• resolve_eligibility_entities
• revoke_share
• save_cohort
• save_scenario
• scan_portfolio
• scan_savings
• schedule_digest
• search_docs
• search_eligibility_entities
• send_campaign_now
• send_test_campaign
• set_email_branding
• simulate_decision
• simulate_monitor
• subscribe_rate_alert
• unsubscribe_rate_alert
• update_email_campaign
• update_monitor

Compare: most reliable email servers · most reliable finance servers · most reliable data servers · most reliable security servers · most reliable communication servers

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

{
  "mcpServers": {
    "glimind": {
      "type": "http",
      "url": "https://glimind.com/mcp"
    }
  }
}

FAQ

Is the Rateapi MCP server down right now?

As of 2026-10-26 17:10 UTC, the Rateapi MCP server is up with a Glimind reliability score of 100/100 (grade A). Over the last 30 days it answered 100% of Glimind's liveness checks. It had 1 outage in 90 days, with a median recovery of 5 minutes.

How many tools does Rateapi MCP server provide?

Rateapi MCP server advertises 89 tools, including add_campaign_recipients, analyze_rent_vs_buy, assess_buy_timing, assess_rate_lock, batch_decisions.

How do I install Rateapi MCP server?

Point your MCP client at this streamable-http endpoint: https://mcp.rateapi.dev/mcp

Is the Rateapi MCP server safe to connect to an AI agent?

Glimind scanned all 89 tool definitions for tool-poisoning patterns — hidden or invisible characters, instructions that override the model, concealment from the user, requests to read credential or MCP config files, conversation exfiltration and cross-tool shadowing — and found none. This checks what the server tells the model, not what its code does; review the source before granting access to sensitive data.

Operator of Rateapi MCP server?

Status page: 90-day uptime, every outage and how long it lasted.

Claim this listing to get the Verified operator marker, a remediation checklist and owner analytics, or embed the live badge from any of the tool pages above. Maintainers: alerts, deploy attestation and monthly reports.

Status is an automated estimate from Glimind's liveness checks (handshake and tool listing only; no tool is ever called) and may lag or differ from your network. Glimind is not affiliated with this server or its operator. Operator? Request a correction or opt out at https://glimind.com/opt-out.