MCP Server

FlexRate ships a Model Context Protocol (MCP) server (built on laravel/mcp) that lets an AI client inspect rate sheets, program matrices, LLPA adjustments, and run live pricing scenarios as tools.

What it exposes

The server is Flex Rates Server (App\Mcp\Servers\FlexRateServer), registered in routes/ai.php as the local handle flex-rate:

// routes/ai.php
Mcp::local('flex-rate', FlexRateServer::class);

It registers six tools:

Recommended debugging flow

When debugging why a price moved unexpectedly:

1. list_programs to find the program slug (use the lender arg only to scope).
2. get_rate_ladder for the base price-by-rate table.
3. get_llpa_adjustments to see every adjustment that can modify the price.
4. get_program_matrix for the LTV grid, eligibility rules, and overlays.
5. run_pricer_quote with a full scenario to see the composed final price.

Run the server locally

From the FlexRateAPI project root:

php artisan mcp:start flex-rate

This starts the local (stdio) MCP server. Most clients launch this command for you via their MCP config rather than you running it by hand.

Connect from an MCP client

Point your client at the artisan command. A typical config entry:

{
  "mcpServers": {
    "flex-rate": {
      "command": "php",
      "args": ["artisan", "mcp:start", "flex-rate"],
      "cwd": "/absolute/path/to/FlexRateAPI"
    }
  }
}

• Claude Desktop — add the block above to claude_desktop_config.json.
• VS Code (MCP) — add an equivalent server entry in your MCP settings, using the same command, args, and cwd.