Carrington Labs’ Model Context Protocol (MCP) server exposes our compliant Cashflow Score and Credit Risk Model through a purpose‑built interface so that agentic AI workflows and credit officers receive deterministic answers to lending questions.
Enable agentic workflows
Ask ‘What is risky about this borrower?’ and the MCP server gives consistent responses.
Accelerate loan approvals
Automate straight-through processing while routing complex cases to credit officers.
Make explainable decisions
Map model scores to adverse action reasons for transparent and compliant credit decisions.
Get audit‑ready outputs – powered by Carrington Labs' compliant models
Traditional AI models are probabilistic and may generate explanations that don’t meet regulatory standards. In contrast, Carrington Labs' MCP server connects directly to our compliant models and returns deterministic outputs.
Standard AI outputs
Probabilistic scores
Generated text explanations
Black‑box logic that’s hard to audit
Carrington Labs MCP server outputs
Deterministic scores and decisions returned every time
ECOA‑compliant reason codes drawn directly from compliant models
Explainable, audit‑ready output with model metadata and score drivers
Carrington Labs' compliant Cashflow Score and Credit Risk Model products assess borrower risk using advanced applications of AI and machine learning.
The Carrington Labs MCP server acts as the secure access point
The MCP server is integrated into your lending worflows, enabling your own AI agents or platforms to securely connect to and use Carrington Labs’ models in real time.
Your AI or credit systems send a request
When a loan application or credit assessment is triggered, your AI system or credit officer sends a request to Carrington Labs' MCP server.
The MCP returns compliant, explainable results
Carrington Labs' MCP server provides a deterministic decision, along with explainable details like the key factors influencing the score and the borrower’s risk profile.
Automate and optimize your lending workflows
Automate standard credit decisions, reduce manual work, and improve turnaround times while keeping your processes compliant and auditable.
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