ITIN Finance
https://mcp.itinlending.net/mcp ↗
Description
Verified ITIN lender & card-issuer directory plus 290+ bilingual (EN/ES) guides and 1,800+ FAQs on US loans, credit cards, and credit building without an SSN. Sourced from the ITIN finance network (itinlending.net, itincreditcard.com, itincreditscore.com). Every institution entry is verified against the institution's own pages with citation URLs and dates. Read-only editorial reference — not a lender or broker.
What our measurements say
ITIN Finance is a remote MCP server published at mcp.itinlending.net. It has been probed 7 times since 9/10/2026. It answered in 7 of them (100.0%), a near-uninterrupted record. Median response time is 1,218 ms, a delay an agent will notice. It offers a narrow, focused set of 8 tools. On the protocol side it still runs 2025-11-25 and has not moved to the newer spec.
Agent readability score
Can an LLM agent pick the right tool here — names, descriptions and parameter clarity are assessed.
Agent readability score
Strengths
- Clear tool names align with specific use cases (e.g., 'find_itin_lenders' for lender searches).
- Multilingual support (EN/ES) is explicitly mentioned across tools.
Weaknesses
- Descriptions often omit required parameters (e.g., 'slug or approximate title' for 'get_guide' lacks explicit input schema).
- No documentation of error scenarios (e.g., invalid slugs, missing guides).
- Some tool overlap exists (e.g., 'search_guides' vs. 'get_guide' for guide retrieval).
search_guides— Vague parameter definition for search criteriaget_guide— Unclear input schema for 'slug or approximate title'faq_lookup— No mention of required question format or error handlingcan_i_get_this_loan— Ambiguous parameter for 'X' loan type inputitin_state_info— No explicit parameters for state input
Verdict
Event narrative
Risk: medium
- 2026-09-10T21:16:35.016Z — era changed from 'auth-gated' to 'legacy' · system moved to legacy mode with full compliance metrics
- 2026-09-11T03:50:39.090Z — complianceScore rose from null to 100 and smokeOk became true · system achieved perfect compliance and passed smoke tests
Advice
Schema compliance
tools/list structure, inputSchema validity, and a functional smoke test — the components of the 0-100 score.
- tools/list schema valid
- inputSchema is valid JSON Schema
- Smoke test passed · last run:
- Cold-start: cold 608ms → warm 638ms (penalty 0ms)
Availability history
Event log
Derived by comparing consecutive probes — changes in era, protocol version, build and reachability.
- Server build: — → 1.0.0
- Supported versions: — → 2025-03-26
- Era changed: Auth-gated → Legacy
- Added to watch — era: Auth-gated
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