Get mortgage lending patterns disaggregated by race and ethnicity. Returns mortgage origination and denial data broken down by the race/ethnicity of the applicant. Useful for fair lending analysis and identifying disparities in mortgage access. Args: state: Two-letter US state abbreviation (e.g. ...
Part of the HMDA Mortgage Data server.
Free to start. No card required.
AI agents call get_lending_by_race to retrieve information from HMDA Mortgage Data without modifying any data. This is common in research, monitoring, and reporting workflows where the agent needs context before taking action. Because read operations don't change state, they are generally safe to allow without restrictions -- but you may still want rate limits to control API costs.
Even though get_lending_by_race only reads data, uncontrolled read access can leak sensitive information or rack up API costs. An agent caught in a retry loop could make thousands of calls per minute. A rate limit gives you a safety net without blocking legitimate use.
Read-only tools are safe to allow by default. No rate limit needed unless you want to control costs.
{
"version": "1",
"default": "deny",
"tools": {
"get_lending_by_race": {}
}
}See the full HMDA Mortgage Data policy for all 4 tools.
These attack patterns abuse exactly the kind of access get_lending_by_race gives an agent. Each links to the full case and the policy that stops it:
Other read tools across the catalogue. The same approach applies to each: allow, with a rate cap to control cost.
Get mortgage lending patterns disaggregated by race and ethnicity. Returns mortgage origination and denial data broken down by the race/ethnicity of the applicant. Useful for fair lending analysis and identifying disparities in mortgage access. Args: state: Two-letter US state abbreviation (e.g. 'CA', 'TX'). county_fips: Five-digit county FIPS code (e.g. '06037' for LA County). year: Data year (e.g. 2022). Defaults to 2022 if not specified.. It is categorised as a Read tool in the HMDA Mortgage Data MCP Server, which means it retrieves data without modifying state.
Register the HMDA Mortgage Data MCP server in PolicyLayer and add a rule for get_lending_by_race: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches HMDA Mortgage Data. Nothing to install.
get_lending_by_race is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the get_lending_by_race rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for get_lending_by_race. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
get_lending_by_race is provided by the HMDA Mortgage Data MCP server (https://mcp.olyport.com/hmda/mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
Deterministic rules across all 4 HMDA Mortgage Data tools. Per-identity grants. Full audit log. Live in minutes. Nothing to install.
Free to start. No card required.
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