> For the complete documentation index, see [llms.txt](https://api-docs.realfinity.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://api-docs.realfinity.io/mcp/overview.md). # Overview The Realfinity MCP server exposes Realfinity mortgage tools (loan lookup, tasks and conditions, reporting, pricing, data warehouse queries, and user/metadata lookups) to MCP clients (Claude Desktop, claude.ai custom connectors, MCP Inspector, and other compliant clients) over Streamable HTTP. ## Environments | Environment | Endpoint | | ----------- | ---------------------------------- | | Production | `https://ai.realfinity.io/mcp` | | UAT | `https://ai-uat.realfinity.io/mcp` | ## Health check `GET https://ai.realfinity.io/health` is unauthenticated and returns: ```json {"status":"healthy"} ``` Use it to confirm the server itself is reachable before troubleshooting authentication. ## Tool inventory 27 tools are exposed, grouped into six reference pages. | Tool | Purpose | Page | | ------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------ | | `get_loan_application` | Retrieve a loan application's full snapshot (borrowers, property, timeline, POS data) plus per-section wizard completion status, by MLM `externalId` (preferred) or internal GUID. | Loan Lookup | | `get_loan_application_contacts` | Retrieve the contacts saved on a loan application (buyer/listing agents, attorneys, escrow, loan officer, CPA, insurance, etc.), synced from MLM, optionally filtered by role. | Loan Lookup | | `search_loan_applications` | Search accessible loan applications by free text and/or structured filters (status, purpose, dates, amount, commission, referring agent); returns lightweight, paginated summaries. | Loan Lookup | | `query_loans` | Run a custom, whitelisted, parameterized query returning one row per loan; field keys come from a fixed whitelist, so it is injection-safe and read-only. | Loan Lookup | | `get_loan_application_user_tasks` | Retrieve internal user-assigned tasks (loan officer and processor work items) for a loan application, scoped by caller role. | Tasks & Conditions | | `get_loan_application_borrower_tasks` | Retrieve borrower-assigned tasks (document requests, e-sign requests, questions, conditions) for a loan application. | Tasks & Conditions | | `search_loan_tasks` | Search loan tasks and underwriting conditions across accessible loans by status, category, assignee, or free text. | Tasks & Conditions | | `conditions_by_outcome` | Correlate underwriting condition categories with terminal loan outcomes (closed/funded vs. denied/withdrawn/cancelled) to surface which conditions are associated with loans that don't close. | Tasks & Conditions | | `report_loans` | Aggregate accessible loans into buckets by a group-by dimension and metric (count/sum/average/min/max), based on loans' current attributes. | Reporting | | `loan_pipeline_report` | Current pipeline snapshot: loan counts by macro stage plus a monthly trend, for accessible loans. | Reporting | | `report_loan_milestones` | Funnel flow over time: counts of loans that historically reached each milestone/Northstar stage per week or month. | Reporting | | `mlo_pipeline_report` | MLO onboarding cohort report: deals by creation period and current HubSpot pipeline stage. | Reporting | | `warehouse_loan_milestone_report` | Org-wide (not caller-scoped) loan pipeline funnel from the Data Warehouse, by milestone and time period. | Reporting | | `get_loan_reporting_metadata` | Return the valid vocabulary (statuses, types, purposes, group-by dimensions, metrics, Northstar stages) accepted by the loan reporting tools. | Reporting | | `search_pricing` | Search mortgage pricing and return eligible products with rates and pricing adjustments for a scenario, with built-in defaults. | Pricing | | `get_product_details` | Retrieve full rate quotes, lock-period pricing, adjustments, and fee totals for a specific product from a prior `search_pricing` call. | Pricing | | `get_ineligible_products` | List the products that were ineligible for a prior `search_pricing` call, grouped by product type, with rejection reasons. | Pricing | | `query_data_warehouse` | Run a custom, whitelisted, parameterized query against the Data Warehouse `[MeridianLink].[Loans]` table; injection-safe and read-only. | Data Warehouse | | `get_data_warehouse_fields` | Return the whitelist of fields (key, type, valid operators) available to `query_data_warehouse`. | Data Warehouse | | `search_users` | Search accessible Realfinity users by free text on first name, last name, or email; returns lightweight user records including last sign-in. | Users & Metadata | | `get_user_licenses` | Return the U.S. states a Realfinity user is currently licensed in (active, unexpired licenses only). | Users & Metadata | | `get_current_user` | Return the signed-in caller's Realfinity `userId`, name, email, roles, and authentication source. | Users & Metadata | | `get_user_profile` | Return full metadata for one user: roles, company/organization, NMLS, flags, last sign-in, and Optimal Blue channel/originator configuration. | Users & Metadata | | `report_users` | Paged, filterable report of all accessible users with full metadata, for configuration and activity reporting (Admin, Processor). | Users & Metadata | | `get_loan_query_fields` | Return the whitelist of fields (key, type, scope, access requirement) available to `query_loans`. | Users & Metadata | | `ping` | Health check for the Realfinity MCP server; returns a static greeting plus the server's current UTC timestamp. | Users & Metadata | | `get_api_access_token` | Mint a short-lived Bearer token for the Realfinity Private API, for out-of-band flows the MCP tools don't cover (e.g. task-document upload/download). | Users & Metadata |