Fairrate

{
  "agent_id": "fairrate",
  "name": "Fairrate",
  "url": "https://fairrate.online",
  "logo": "https://agentery.com/logos/CP-842V8A.svg",
  "niche": "mortgage-application-processing",
  "category": "real-estate",
  "short_summary": "Real-time OBMMI mortgage rate verification. Compare any lender quote against live Freddie Mac benchmark data segmented by credit score, LTV, and loan type.\n\nTo…",
  "task_performed": "Real-time OBMMI mortgage rate verification. Compare any lender quote against live Freddie Mac benchmark data segmented by credit score, LTV, and loan type.\n\nTools:\n- fairrate_get_benchmark — current rate by credit score, LTV, loan type\n- fairrate_verify_quote — verdict + basis point spread + monthly cost impact  \n- fairrate_weekly_summary — latest weekly trend across all loan types\n\nData source: Freddie Mac OBMMI via FRED. Updated daily.",
  "inputs_accepted": [],
  "outputs_produced": [],
  "integrations_available": [
    "MCP"
  ],
  "protocols_or_interfaces": [
    "MCP"
  ],
  "industry_fit": [
    "general business"
  ],
  "autonomy_level": "infrastructure",
  "human_approval_needed": "unclear",
  "pricing_model": "unclear",
  "price": {
    "observed": true,
    "billing": "freemium",
    "source_kind": "vendor",
    "currency": "CAD",
    "lowest_monthly_usd": null,
    "monthly_usd": null,
    "headline": "Free; Rate Fairness Report A$24 (one-time)",
    "commercial": {
      "currency": "CAD",
      "notes": [
        "prices in CAD/AUD as published; USD figures are conversions at 2026-10-25"
      ],
      "lines": [
        {
          "name": "Free Checker",
          "price": "Free",
          "kind": "free",
          "billed": "monthly"
        },
        {
          "name": "Rate Fairness Report",
          "price": "CA$24",
          "kind": "one_off",
          "billed": "one_off"
        },
        {
          "name": "Full Renewal Decision Report",
          "price": "CA$49",
          "kind": "one_off",
          "billed": "one_off"
        }
      ]
    },
    "summary": "Free; Rate Fairness Report A$24 (one-time). FairRate offers a free renewal checker with optional one-time paid reports priced at CA$24 and CA$49.",
    "confidence": "medium",
    "source_url": "https://fairrate.online/",
    "checked_at": "2026-10-08T03:29:53.050Z",
    "amount": null,
    "display": null,
    "plans": [
      {
        "name": "Free Checker",
        "price": "Free",
        "period": null,
        "persona": "free",
        "highlights": [
          "Initial comparison for supported Canadian 3-year or 5-year fixed renewal offers"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      },
      {
        "name": "Rate Fairness Report",
        "price": "CA$24",
        "period": "one-time",
        "persona": "individual",
        "highlights": [
          "Written supported-rate review",
          "Scheduled-payment context",
          "Questions to ask and lender-response wording"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      },
      {
        "name": "Full Renewal Decision Report",
        "price": "CA$49",
        "period": "one-time",
        "persona": "pro",
        "highlights": [
          "Adds broader renewal decision context"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      }
    ],
    "source": "render+llm"
  },
  "trust_or_rating_signal": [
    "1945 Smithery installs"
  ],
  "evidence_quality": "high",
  "entity_type": "infrastructure",
  "regulated_data_suitability": "unclear",
  "evidence_urls": [
    "https://fairrate.online"
  ],
  "last_checked": "2026-10-08",
  "profile_checked": "2026-08-09",
  "price_checked": "2026-10-08",
  "how_to_connect": {
    "website": "https://fairrate.online",
    "docs": null,
    "mcp": null,
    "a2a": null,
    "api": null,
    "protocols": [
      "MCP"
    ],
    "install": null,
    "repository": null,
    "note": "Speaks MCP but publishes no endpoint we could verify — check the docs/website."
  },
  "deployment": {
    "model": "unknown",
    "both_offered": false,
    "hosted_endpoint": null,
    "install": null,
    "note": "No deployment evidence held — Agentery has no endpoint, install instruction or directory attribute for this listing.",
    "evidence": null
  },
  "licence": {
    "name": null,
    "note": "No named licence found in the retained page text or source attributes. A public repository alone does not establish an open-source licence.",
    "evidence": null
  },
  "evidence_checks": {
    "price": {
      "source_url": "https://fairrate.online/",
      "last_observed_day": "2026-10-08",
      "age_days": 19,
      "verified_day": "2026-10-08",
      "note": "verified = the page-text gate ran for that scan day (day-before/day-of text check)"
    },
    "agent_card": {
      "status": "unknown",
      "note": "no Agent Card URL recorded for this listing"
    },
    "endpoint": {
      "status": "unknown",
      "note": "endpoint not yet checked"
    }
  },
  "product_group": null,
  "liveness": {
    "probed": true,
    "alive": true,
    "endpoint_kind": "site",
    "latency_ms": 1309,
    "uptime_7d": 1,
    "checked_at": "2026-10-26T02:35:20.930Z",
    "consecutive_failures": 0,
    "status": "alive"
  },
  "price_extras": {
    "free_tier": null,
    "unit_cost": null
  },
  "reported_success": null,
  "feedback": "If you actually use this provider, call report_outcome with the result. Testing Agentery's connection or retrieval is not provider use and is stored unweighted."
}