Retrieve multi-year mortgage lending data for a single area across all available HMDA years. Returns an array of yearly summaries including origination count, denial rate, median loan amount, median interest rate, and loan purpose/type breakdowns. Source: CFPB/FFIEC HMDA.
AI agents call get_mortgage_trends to retrieve information from loc8n Geographic Data without modifying anything — typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
| Parameter | Type | Required | Description |
|---|---|---|---|
geoid | string | Yes | FIPS code — 11 digits for tract, 5 for county, 2 for state |
area_type | string | Yes | Geographic level: tract (or census_tract), county, or state |
Parameters from the server's own tool schema.
This tool only retrieves/queries historical mortgage lending statistics from public CFPB/FFIEC HMDA data. It has no side effects, does not move money, and does not modify any data. Pure read operation with low blast radius if misused.
From the tool's definition Retrieve multi-year mortgage lending data for a single area across all available HMDA years. Returns an array of yearly summaries
Attacks that exploit this kind of access
Retrieve multi-year mortgage lending data for a single area across all available HMDA years. Returns an array of yearly summaries including origination count, denial rate, median loan amount, median interest rate, and loan purpose/type breakdowns. Source: CFPB/FFIEC HMDA. It is categorised as a Read tool in the loc8n Geographic Data MCP Server, which means it retrieves data without modifying state.
get_mortgage_trends accepts 2 parameters: geoid, area_type. Required: geoid, area_type. The full parameter table on this page comes from the server's own tool schema.
Register the loc8n Geographic Data MCP server in PolicyLayer and add a rule for get_mortgage_trends: 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 loc8n Geographic Data. Nothing to install.
get_mortgage_trends 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_mortgage_trends 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_mortgage_trends. 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_mortgage_trends is provided by the loc8n Geographic Data MCP server (gener8v/gener8v.mcp.geographic-data). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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Type a name, get the same breakdown: verified identity, auth posture, risk grade, capabilities, recommended policy.
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