# FairRate Mortgage Benchmarks

> FairRate Mortgage Benchmarks — andrewatchison2-fairrate. Use this tool when you need to verify mortgage rates in real-time or compare lender quotes against reliable benchmarks. It solves problems of rate transparency and fairness by providing current benchmark data segmented by credit score, LTV, and loan type. The tool accepts lender quotes and borrower profiles as inputs and outputs verdicts, basis point spreads, and monthly cost impacts, making it ideal for mortgage borrowers, lenders, and financial advisors seeking accurate and unbiased rate comparisons.

Canonical page: https://skillsregistry.net/skills/andrewatchison2-fairrate  
JSON: https://api.skillsregistry.net/v1/skills/andrewatchison2-fairrate

## Description

Real-time OBMMI mortgage rate verification. Compare any lender quote against live Freddie Mac benchmark data segmented by credit score, LTV, and loan type.

Tools:
- fairrate_get_benchmark — current rate by credit score, LTV, loan type
- fairrate_verify_quote — verdict + basis point spread + monthly cost impact  
- fairrate_weekly_summary — latest weekly trend across all loan types

Data source: Freddie Mac OBMMI via FRED. Updated daily.

## Trust

- **Trust score (0–1):** 0.30
- **Verification tier:** unverified
- **Last scanned:** 2026-08-29

## Facts

- **Version:** 1.0.0
- **Skill type:** atomic
- **Execution layer:** mcp-remote
- **Runtime environment:** api
- **Category:** other
- **Updated:** 2026-08-29

## Source

- **Source listing:** [Smithery](https://smithery.ai/server/andrewatchison2/fairrate)

## Use it

Resolve this record through the SkillsRegistry MCP server (no auth, read-only):

```
claude mcp add --transport http --scope user skillsregistry https://api.skillsregistry.net/mcp
```

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "get_skill",
    "arguments": {
      "slug": "andrewatchison2-fairrate"
    }
  }
}
```

REST: `GET https://api.skillsregistry.net/v1/skills/andrewatchison2-fairrate` · pull for local use: `GET https://api.skillsregistry.net/v1/skills/andrewatchison2-fairrate/pull`

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SkillsRegistry indexes agent skills from public registries and GitHub. Skills we have analysed are scanned with Circle-IR and scored on six dimensions; each listing states its scan coverage. More: https://skillsregistry.net/llms.txt