LenDb.ai

Find mortgage loan officers

find_loan_officers

Read-onlyIdempotent

Use this when someone wants a US mortgage loan officer (or mortgage broker or lender contact) for a specific situation and place: for example an FHA, VA, USDA, jumbo, DSCR or ITIN loan, a first-time buyer, a self-employed borrower who needs a bank statement loan, a non-warrantable condo or a duplex, or a Spanish-speaking loan officer near a city, ZIP, region or state. Searches LenDb, an independent, lender-neutral database of US loan officers (coverage is partial), and returns a ranked list. Each result has the person's name, NMLS ID, lender, office location, distance_mi, license_check for the property state (confirmed, lender_reported or federal_registration), match_status (exact, or partial with unconfirmed_specialties), matched specialties with a short reason each, last_verified and a canonical_url profile link; detail 'full' returns every field and reason. A city or ZIP keeps offices within 25 miles, widened to 50 or 100 when few are found (search.note); a state alone ranks statewide. Words like 'broker' or 'credit union' rank that kind of lender first. People with no license evidence for the state are listed separately in not_yet_verified. Also returns ambiguous_location when a city name fits several places, unassessed_requirements for parts of the situation LenDb cannot check, and citation_guidance. If situation is just a loan officer's name (the name on their lender page or the name a state regulator licenses, e.g. 'Nicholas Bucca' for Nic Bucca), it returns that profile in profile_match. Phone numbers and email addresses are never returned.

Input Schema

Name	Required	Description
`debug`	No	Also return how the query was parsed (debug.parsed, debug.filters). Default false.
`limit`	No	Max results, default 10.
`detail`	No	'compact' (default): per person name, NMLS ID, canonical_url, lender, office, license evidence for the property state, matched specialties with one short reason each and the last verified date. 'full': every field, all reasons and the matching method.
`language`	No	Language the borrower wants to be served in. Accepts an ISO 639-1 code ('es'), a BCP 47 tag ('es-MX', 'zh-TW'), an ISO 639-2/3 code ('spa'), an English name ('Spanish') or a native name ('español', '中文', '한국어', 'tiếng Việt'). A hard filter: every result speaks it. An unsupported language returns an error listing the supported codes (see list_specialties).
`location`	Yes	Where the property is: 'City, ST', a city, a 5-digit ZIP, a region ('Bay Area'), or a US state.
`situation`	Yes	The borrower's situation in plain words: property type, loan program, income type, credit, language, kind of lender. Example: 'duplex, self-employed, bank statement loan'.
`fha_approved`	No	Only loan officers whose current lender is FHA-approved per HUD's FHA Single Family Portfolio Snapshot data (the lender, not the person). Default false. Without it, an FHA search still ranks HUD-approved lenders' people first when all else is equal.

Output Schema

Name	Required	Description
`count`	Yes
`debug`	No	Only when the call set debug: true.
`detail`	No	Present on compact results; detail 'full' returns rows with every field.
`method`	No	How matching works (detail 'full'; compact results link method_url).
`notice`	No
`sample`	No	True when the data is fictional sample data.
`search`	Yes
`related`	No
`results`	Yes
`method_url`	No
`lender_level`	No
`canonical_url`	Yes	The same search on the LenDb API.
`profile_match`	No
`fallback_applied`	Yes
`not_yet_verified`	No
`citation_guidance`	Yes
`exact_match_count`	Yes
`ambiguous_location`	No
`all_terms_understood`	Yes
`requested_specialties`	Yes
`unassessed_requirements`	Yes

Schema Changelog

Changes observed during successful MCP inspections.

Changed25 schema fields changedOct 30, 2026

addedInput schema / properties / detail

Added value: +{
+  "description": "'compact' (default): per person name, NMLS ID, canonical_url, lender, office, license evidence for the property state, matched specialties with one short reason each and the last verified date. 'full': every field, all reasons and the matching method.",
+  "enum": [
+    "compact",
+    "full"
+  ],
+  "type": "string"
+}

addedOutput schema / properties / detail

Added value: +{
+  "const": "compact",
+  "description": "Present on compact results; detail 'full' returns rows with every field.",
+  "type": "string"
+}

removedOutput schema / properties / lender_level / properties / results / items / additionalProperties
```
Removed value: -{}
```

addedOutput schema / properties / lender_level / properties / results / items / anyOf

Added value: +[
+  {
+    "additionalProperties": {},
+    "properties": {
+      "canonical_url": {
+        "type": "string"
+      },
+      "distance_mi": {
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "license_check": {
+        "additionalProperties": {},
+        "properties": {
+          "confidence": {
+            "enum": [
+              "confirmed",
+              "lender_reported",
+              "federal_registration",
+              "unknown"
+            ],
+            "type": "string"
+          },
+          "label": {
+            "type": "string"
+          },
+          "state": {
+            "type": "string"
+          }
+        },
+        "required": [
+          "state",
+          "confidence",
+          "label"
+        ],
+        "type": "object"
+      },
+      "loan_officer": {
+        "additionalProperties": {},
+        "properties": {
+          "branch": {
+            "anyOf": [
+              {
+                "additionalProperties": {},
+                "properties": {
+                  "city": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "state": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  }
+                },
+                "required": [
+                  "city",
+                  "state"
+                ],
+                "type": "object"
+              },
+              {
+                "type": "null"
+              }
+            ]
+          },
+          "canonical_url": {
+            "type": "string"
+          },
+          "full_name": {
+            "type": "string"
+          },
+          "languages": {
+            "items": {
+              "type": "string"
+            },
+            "type": "array"
+          },
+          "lender": {
+            "anyOf": [
+              {
+                "additionalProperties": {},
+                "properties": {
+                  "canonical_url": {
+                    "type": "string"
+                  },
+                  "name": {
+                    "type": "string"
+                  },
+                  "nmls_id": {
+                    "type": "number"
+                  }
+                },
+                "required": [
+                  "nmls_id",
+                  "name",
+                  "canonical_url"
+                ],
+                "type": "object"
+              },
+              {
+                "type": "null"
+              }
+            ]
+          },
+          "lender_profile_url": {
+            "type": [
+              "string",
+              "null"
+            ]
+          },
+          "licensed_states": {
+            "items": {
+              "type": "string"
+            },
+            "type": "array"
+          },
+          "nmls_id": {
+            "type": "number"
+          }
+        },
+        "required": [
+          "nmls_id",
+          "full_name",
+          "canonical_url"
+        ],
+        "type": "object"
+      },
+      "match_level": {
+        "enum": [
+          "officer",
+          "lender"
+        ],
+        "type": "string"
+      },
+      "match_status": {
+        "enum": [
+          "exact",
+          "partial"
+        ],
+        "type": "string"
+      },
+      "matched_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "office_location_unknown": {
+        "type": "boolean"
+      },
+      "rank": {
+        "type": "number"
+      },
+      "reasons": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "unconfirmed_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      }
+    },
+    "required": [
+      "rank",
+      "loan_officer",
+      "reasons",
+      "canonical_url"
+    ],
+    "type": "object"
+  },
+  {
+    "additionalProperties": {},
+    "properties": {
+      "canonical_url": {
+        "type": "string"
+      },
+      "distance_mi": {
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "full_name": {
+        "type": "string"
+      },
+      "last_verified": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lender": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "license_check": {
+        "additionalProperties": {},
+        "properties": {
+          "confidence": {
+            "enum": [
+              "confirmed",
+              "lender_reported",
+              "federal_registration",
+              "unknown"
+            ],
+            "type": "string"
+          },
+          "state": {
+            "type": "string"
+          },
+          "verified_at": {
+            "type": [
+              "string",
+              "null"
+            ]
+          }
+        },
+        "required": [
+          "state",
+          "confidence",
+          "verified_at"
+        ],
+        "type": "object"
+      },
+      "licensed_states": {
+        "description": "Licensed or eligible states the query is about, not every state on file.",
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "match_level": {
+        "enum": [
+          "officer",
+          "lender"
+        ],
+        "type": "string"
+      },
+      "match_status": {
+        "enum": [
+          "exact",
+          "partial"
+        ],
+        "type": "string"
+      },
+      "nmls_id": {
+        "type": "number"
+      },
+      "office": {
+        "anyOf": [
+          {
+            "additionalProperties": {},
+            "properties": {
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "state": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              }
+            },
+            "required": [
+              "city",
+              "state"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "office_location_unknown": {
+        "type": "boolean"
+      },
+      "rank": {
+        "type": "number"
+      },
+      "specialties": {
+        "items": {
+          "additionalProperties": {},
+          "properties": {
+            "reason": {
+              "type": "string"
+            },
+            "slug": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "slug",
+            "reason"
+          ],
+          "type": "object"
+        },
+        "type": "array"
+      },
+      "unconfirmed_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      }
+    },
+    "required": [
+      "rank",
+      "nmls_id",
+      "full_name",
+      "canonical_url",
+      "lender",
+      "office",
+      "licensed_states",
+      "specialties",
+      "last_verified"
+    ],
+    "type": "object"
+  }
+]

removedOutput schema / properties / lender_level / properties / results / items / properties

Removed value: -{
-  "canonical_url": {
-    "type": "string"
-  },
-  "distance_mi": {
-    "type": [
-      "number",
-      "null"
-    ]
-  },
-  "license_check": {
-    "additionalProperties": {},
-    "properties": {
-      "confidence": {
-        "enum": [
-          "confirmed",
-          "lender_reported",
-          "federal_registration",
-          "unknown"
-        ],
-        "type": "string"
-      },
-      "label": {
-        "type": "string"
-      },
-      "state": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "state",
-      "confidence",
-      "label"
-    ],
-    "type": "object"
-  },
-  "loan_officer": {
-    "additionalProperties": {},
-    "properties": {
-      "branch": {
-        "anyOf": [
-          {
-            "additionalProperties": {},
-            "properties": {
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "state": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              }
-            },
-            "required": [
-              "city",
-              "state"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "canonical_url": {
-        "type": "string"
-      },
-      "full_name": {
-        "type": "string"
-      },
-      "languages": {
-        "items": {
-          "type": "string"
-        },
-        "type": "array"
-      },
-      "lender": {
-        "anyOf": [
-          {
-            "additionalProperties": {},
-            "properties": {
-              "canonical_url": {
-                "type": "string"
-              },
-              "name": {
-                "type": "string"
-              },
-              "nmls_id": {
-                "type": "number"
-              }
-            },
-            "required": [
-              "nmls_id",
-              "name",
-              "canonical_url"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "lender_profile_url": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "licensed_states": {
-        "items": {
-          "type": "string"
-        },
-        "type": "array"
-      },
-      "nmls_id": {
-        "type": "number"
-      }
-    },
-    "required": [
-      "nmls_id",
-      "full_name",
-      "canonical_url"
-    ],
-    "type": "object"
-  },
-  "match_level": {
-    "enum": [
-      "officer",
-      "lender"
-    ],
-    "type": "string"
-  },
-  "match_status": {
-    "enum": [
-      "exact",
-      "partial"
-    ],
-    "type": "string"
-  },
-  "matched_specialties": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  },
-  "office_location_unknown": {
-    "type": "boolean"
-  },
-  "rank": {
-    "type": "number"
-  },
-  "reasons": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  },
-  "unconfirmed_specialties": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  }
-}

removedOutput schema / properties / lender_level / properties / results / items / required
```
Removed value: -[
-  "rank",
-  "loan_officer",
-  "reasons",
-  "canonical_url"
-]
```
removedOutput schema / properties / lender_level / properties / results / items / type
```
Removed value: -"object"
```

addedOutput schema / properties / method / description

Added value: +"How matching works (detail 'full'; compact results link method_url)."

addedOutput schema / properties / method_url
```
Added value: +{
+  "type": "string"
+}
```
removedOutput schema / properties / not_yet_verified / properties / results / items / additionalProperties
```
Removed value: -{}
```

addedOutput schema / properties / not_yet_verified / properties / results / items / anyOf

Added value: +[
+  {
+    "additionalProperties": {},
+    "properties": {
+      "canonical_url": {
+        "type": "string"
+      },
+      "distance_mi": {
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "license_check": {
+        "additionalProperties": {},
+        "properties": {
+          "confidence": {
+            "enum": [
+              "confirmed",
+              "lender_reported",
+              "federal_registration",
+              "unknown"
+            ],
+            "type": "string"
+          },
+          "label": {
+            "type": "string"
+          },
+          "state": {
+            "type": "string"
+          }
+        },
+        "required": [
+          "state",
+          "confidence",
+          "label"
+        ],
+        "type": "object"
+      },
+      "loan_officer": {
+        "additionalProperties": {},
+        "properties": {
+          "branch": {
+            "anyOf": [
+              {
+                "additionalProperties": {},
+                "properties": {
+                  "city": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "state": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  }
+                },
+                "required": [
+                  "city",
+                  "state"
+                ],
+                "type": "object"
+              },
+              {
+                "type": "null"
+              }
+            ]
+          },
+          "canonical_url": {
+            "type": "string"
+          },
+          "full_name": {
+            "type": "string"
+          },
+          "languages": {
+            "items": {
+              "type": "string"
+            },
+            "type": "array"
+          },
+          "lender": {
+            "anyOf": [
+              {
+                "additionalProperties": {},
+                "properties": {
+                  "canonical_url": {
+                    "type": "string"
+                  },
+                  "name": {
+                    "type": "string"
+                  },
+                  "nmls_id": {
+                    "type": "number"
+                  }
+                },
+                "required": [
+                  "nmls_id",
+                  "name",
+                  "canonical_url"
+                ],
+                "type": "object"
+              },
+              {
+                "type": "null"
+              }
+            ]
+          },
+          "lender_profile_url": {
+            "type": [
+              "string",
+              "null"
+            ]
+          },
+          "licensed_states": {
+            "items": {
+              "type": "string"
+            },
+            "type": "array"
+          },
+          "nmls_id": {
+            "type": "number"
+          }
+        },
+        "required": [
+          "nmls_id",
+          "full_name",
+          "canonical_url"
+        ],
+        "type": "object"
+      },
+      "match_level": {
+        "enum": [
+          "officer",
+          "lender"
+        ],
+        "type": "string"
+      },
+      "match_status": {
+        "enum": [
+          "exact",
+          "partial"
+        ],
+        "type": "string"
+      },
+      "matched_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "office_location_unknown": {
+        "type": "boolean"
+      },
+      "rank": {
+        "type": "number"
+      },
+      "reasons": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "unconfirmed_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      }
+    },
+    "required": [
+      "rank",
+      "loan_officer",
+      "reasons",
+      "canonical_url"
+    ],
+    "type": "object"
+  },
+  {
+    "additionalProperties": {},
+    "properties": {
+      "canonical_url": {
+        "type": "string"
+      },
+      "distance_mi": {
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "full_name": {
+        "type": "string"
+      },
+      "last_verified": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lender": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "license_check": {
+        "additionalProperties": {},
+        "properties": {
+          "confidence": {
+            "enum": [
+              "confirmed",
+              "lender_reported",
+              "federal_registration",
+              "unknown"
+            ],
+            "type": "string"
+          },
+          "state": {
+            "type": "string"
+          },
+          "verified_at": {
+            "type": [
+              "string",
+              "null"
+            ]
+          }
+        },
+        "required": [
+          "state",
+          "confidence",
+          "verified_at"
+        ],
+        "type": "object"
+      },
+      "licensed_states": {
+        "description": "Licensed or eligible states the query is about, not every state on file.",
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "match_level": {
+        "enum": [
+          "officer",
+          "lender"
+        ],
+        "type": "string"
+      },
+      "match_status": {
+        "enum": [
+          "exact",
+          "partial"
+        ],
+        "type": "string"
+      },
+      "nmls_id": {
+        "type": "number"
+      },
+      "office": {
+        "anyOf": [
+          {
+            "additionalProperties": {},
+            "properties": {
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "state": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              }
+            },
+            "required": [
+              "city",
+              "state"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "office_location_unknown": {
+        "type": "boolean"
+      },
+      "rank": {
+        "type": "number"
+      },
+      "specialties": {
+        "items": {
+          "additionalProperties": {},
+          "properties": {
+            "reason": {
+              "type": "string"
+            },
+            "slug": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "slug",
+            "reason"
+          ],
+          "type": "object"
+        },
+        "type": "array"
+      },
+      "unconfirmed_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      }
+    },
+    "required": [
+      "rank",
+      "nmls_id",
+      "full_name",
+      "canonical_url",
+      "lender",
+      "office",
+      "licensed_states",
+      "specialties",
+      "last_verified"
+    ],
+    "type": "object"
+  }
+]

removedOutput schema / properties / not_yet_verified / properties / results / items / properties

Removed value: -{
-  "canonical_url": {
-    "type": "string"
-  },
-  "distance_mi": {
-    "type": [
-      "number",
-      "null"
-    ]
-  },
-  "license_check": {
-    "additionalProperties": {},
-    "properties": {
-      "confidence": {
-        "enum": [
-          "confirmed",
-          "lender_reported",
-          "federal_registration",
-          "unknown"
-        ],
-        "type": "string"
-      },
-      "label": {
-        "type": "string"
-      },
-      "state": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "state",
-      "confidence",
-      "label"
-    ],
-    "type": "object"
-  },
-  "loan_officer": {
-    "additionalProperties": {},
-    "properties": {
-      "branch": {
-        "anyOf": [
-          {
-            "additionalProperties": {},
-            "properties": {
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "state": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              }
-            },
-            "required": [
-              "city",
-              "state"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "canonical_url": {
-        "type": "string"
-      },
-      "full_name": {
-        "type": "string"
-      },
-      "languages": {
-        "items": {
-          "type": "string"
-        },
-        "type": "array"
-      },
-      "lender": {
-        "anyOf": [
-          {
-            "additionalProperties": {},
-            "properties": {
-              "canonical_url": {
-                "type": "string"
-              },
-              "name": {
-                "type": "string"
-              },
-              "nmls_id": {
-                "type": "number"
-              }
-            },
-            "required": [
-              "nmls_id",
-              "name",
-              "canonical_url"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "lender_profile_url": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "licensed_states": {
-        "items": {
-          "type": "string"
-        },
-        "type": "array"
-      },
-      "nmls_id": {
-        "type": "number"
-      }
-    },
-    "required": [
-      "nmls_id",
-      "full_name",
-      "canonical_url"
-    ],
-    "type": "object"
-  },
-  "match_level": {
-    "enum": [
-      "officer",
-      "lender"
-    ],
-    "type": "string"
-  },
-  "match_status": {
-    "enum": [
-      "exact",
-      "partial"
-    ],
-    "type": "string"
-  },
-  "matched_specialties": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  },
-  "office_location_unknown": {
-    "type": "boolean"
-  },
-  "rank": {
-    "type": "number"
-  },
-  "reasons": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  },
-  "unconfirmed_specialties": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  }
-}

removedOutput schema / properties / not_yet_verified / properties / results / items / required
```
Removed value: -[
-  "rank",
-  "loan_officer",
-  "reasons",
-  "canonical_url"
-]
```
removedOutput schema / properties / not_yet_verified / properties / results / items / type
```
Removed value: -"object"
```
removedOutput schema / properties / related / properties / results / items / additionalProperties
```
Removed value: -{}
```

addedOutput schema / properties / related / properties / results / items / anyOf

Added value: +[
+  {
+    "additionalProperties": {},
+    "properties": {
+      "canonical_url": {
+        "type": "string"
+      },
+      "distance_mi": {
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "license_check": {
+        "additionalProperties": {},
+        "properties": {
+          "confidence": {
+            "enum": [
+              "confirmed",
+              "lender_reported",
+              "federal_registration",
+              "unknown"
+            ],
+            "type": "string"
+          },
+          "label": {
+            "type": "string"
+          },
+          "state": {
+            "type": "string"
+          }
+        },
+        "required": [
+          "state",
+          "confidence",
+          "label"
+        ],
+        "type": "object"
+      },
+      "loan_officer": {
+        "additionalProperties": {},
+        "properties": {
+          "branch": {
+            "anyOf": [
+              {
+                "additionalProperties": {},
+                "properties": {
+                  "city": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "state": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  }
+                },
+                "required": [
+                  "city",
+                  "state"
+                ],
+                "type": "object"
+              },
+              {
+                "type": "null"
+              }
+            ]
+          },
+          "canonical_url": {
+            "type": "string"
+          },
+          "full_name": {
+            "type": "string"
+          },
+          "languages": {
+            "items": {
+              "type": "string"
+            },
+            "type": "array"
+          },
+          "lender": {
+            "anyOf": [
+              {
+                "additionalProperties": {},
+                "properties": {
+                  "canonical_url": {
+                    "type": "string"
+                  },
+                  "name": {
+                    "type": "string"
+                  },
+                  "nmls_id": {
+                    "type": "number"
+                  }
+                },
+                "required": [
+                  "nmls_id",
+                  "name",
+                  "canonical_url"
+                ],
+                "type": "object"
+              },
+              {
+                "type": "null"
+              }
+            ]
+          },
+          "lender_profile_url": {
+            "type": [
+              "string",
+              "null"
+            ]
+          },
+          "licensed_states": {
+            "items": {
+              "type": "string"
+            },
+            "type": "array"
+          },
+          "nmls_id": {
+            "type": "number"
+          }
+        },
+        "required": [
+          "nmls_id",
+          "full_name",
+          "canonical_url"
+        ],
+        "type": "object"
+      },
+      "match_level": {
+        "enum": [
+          "officer",
+          "lender"
+        ],
+        "type": "string"
+      },
+      "match_status": {
+        "enum": [
+          "exact",
+          "partial"
+        ],
+        "type": "string"
+      },
+      "matched_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "office_location_unknown": {
+        "type": "boolean"
+      },
+      "rank": {
+        "type": "number"
+      },
+      "reasons": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "unconfirmed_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      }
+    },
+    "required": [
+      "rank",
+      "loan_officer",
+      "reasons",
+      "canonical_url"
+    ],
+    "type": "object"
+  },
+  {
+    "additionalProperties": {},
+    "properties": {
+      "canonical_url": {
+        "type": "string"
+      },
+      "distance_mi": {
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "full_name": {
+        "type": "string"
+      },
+      "last_verified": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lender": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "license_check": {
+        "additionalProperties": {},
+        "properties": {
+          "confidence": {
+            "enum": [
+              "confirmed",
+              "lender_reported",
+              "federal_registration",
+              "unknown"
+            ],
+            "type": "string"
+          },
+          "state": {
+            "type": "string"
+          },
+          "verified_at": {
+            "type": [
+              "string",
+              "null"
+            ]
+          }
+        },
+        "required": [
+          "state",
+          "confidence",
+          "verified_at"
+        ],
+        "type": "object"
+      },
+      "licensed_states": {
+        "description": "Licensed or eligible states the query is about, not every state on file.",
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "match_level": {
+        "enum": [
+          "officer",
+          "lender"
+        ],
+        "type": "string"
+      },
+      "match_status": {
+        "enum": [
+          "exact",
+          "partial"
+        ],
+        "type": "string"
+      },
+      "nmls_id": {
+        "type": "number"
+      },
+      "office": {
+        "anyOf": [
+          {
+            "additionalProperties": {},
+            "properties": {
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "state": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              }
+            },
+            "required": [
+              "city",
+              "state"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "office_location_unknown": {
+        "type": "boolean"
+      },
+      "rank": {
+        "type": "number"
+      },
+      "specialties": {
+        "items": {
+          "additionalProperties": {},
+          "properties": {
+            "reason": {
+              "type": "string"
+            },
+            "slug": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "slug",
+            "reason"
+          ],
+          "type": "object"
+        },
+        "type": "array"
+      },
+      "unconfirmed_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      }
+    },
+    "required": [
+      "rank",
+      "nmls_id",
+      "full_name",
+      "canonical_url",
+      "lender",
+      "office",
+      "licensed_states",
+      "specialties",
+      "last_verified"
+    ],
+    "type": "object"
+  }
+]

removedOutput schema / properties / related / properties / results / items / properties

Removed value: -{
-  "canonical_url": {
-    "type": "string"
-  },
-  "distance_mi": {
-    "type": [
-      "number",
-      "null"
-    ]
-  },
-  "license_check": {
-    "additionalProperties": {},
-    "properties": {
-      "confidence": {
-        "enum": [
-          "confirmed",
-          "lender_reported",
-          "federal_registration",
-          "unknown"
-        ],
-        "type": "string"
-      },
-      "label": {
-        "type": "string"
-      },
-      "state": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "state",
-      "confidence",
-      "label"
-    ],
-    "type": "object"
-  },
-  "loan_officer": {
-    "additionalProperties": {},
-    "properties": {
-      "branch": {
-        "anyOf": [
-          {
-            "additionalProperties": {},
-            "properties": {
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "state": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              }
-            },
-            "required": [
-              "city",
-              "state"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "canonical_url": {
-        "type": "string"
-      },
-      "full_name": {
-        "type": "string"
-      },
-      "languages": {
-        "items": {
-          "type": "string"
-        },
-        "type": "array"
-      },
-      "lender": {
-        "anyOf": [
-          {
-            "additionalProperties": {},
-            "properties": {
-              "canonical_url": {
-                "type": "string"
-              },
-              "name": {
-                "type": "string"
-              },
-              "nmls_id": {
-                "type": "number"
-              }
-            },
-            "required": [
-              "nmls_id",
-              "name",
-              "canonical_url"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "lender_profile_url": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "licensed_states": {
-        "items": {
-          "type": "string"
-        },
-        "type": "array"
-      },
-      "nmls_id": {
-        "type": "number"
-      }
-    },
-    "required": [
-      "nmls_id",
-      "full_name",
-      "canonical_url"
-    ],
-    "type": "object"
-  },
-  "match_level": {
-    "enum": [
-      "officer",
-      "lender"
-    ],
-    "type": "string"
-  },
-  "match_status": {
-    "enum": [
-      "exact",
-      "partial"
-    ],
-    "type": "string"
-  },
-  "matched_specialties": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  },
-  "office_location_unknown": {
-    "type": "boolean"
-  },
-  "rank": {
-    "type": "number"
-  },
-  "reasons": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  },
-  "unconfirmed_specialties": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  }
-}

removedOutput schema / properties / related / properties / results / items / required

Removed value: -[
-  "rank",
-  "loan_officer",
-  "reasons",
-  "canonical_url"
-]

removedOutput schema / properties / related / properties / results / items / type
```
Removed value: -"object"
```
removedOutput schema / properties / results / items / additionalProperties
```
Removed value: -{}
```

addedOutput schema / properties / results / items / anyOf

Added value: +[
+  {
+    "additionalProperties": {},
+    "properties": {
+      "canonical_url": {
+        "type": "string"
+      },
+      "distance_mi": {
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "license_check": {
+        "additionalProperties": {},
+        "properties": {
+          "confidence": {
+            "enum": [
+              "confirmed",
+              "lender_reported",
+              "federal_registration",
+              "unknown"
+            ],
+            "type": "string"
+          },
+          "label": {
+            "type": "string"
+          },
+          "state": {
+            "type": "string"
+          }
+        },
+        "required": [
+          "state",
+          "confidence",
+          "label"
+        ],
+        "type": "object"
+      },
+      "loan_officer": {
+        "additionalProperties": {},
+        "properties": {
+          "branch": {
+            "anyOf": [
+              {
+                "additionalProperties": {},
+                "properties": {
+                  "city": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  },
+                  "state": {
+                    "type": [
+                      "string",
+                      "null"
+                    ]
+                  }
+                },
+                "required": [
+                  "city",
+                  "state"
+                ],
+                "type": "object"
+              },
+              {
+                "type": "null"
+              }
+            ]
+          },
+          "canonical_url": {
+            "type": "string"
+          },
+          "full_name": {
+            "type": "string"
+          },
+          "languages": {
+            "items": {
+              "type": "string"
+            },
+            "type": "array"
+          },
+          "lender": {
+            "anyOf": [
+              {
+                "additionalProperties": {},
+                "properties": {
+                  "canonical_url": {
+                    "type": "string"
+                  },
+                  "name": {
+                    "type": "string"
+                  },
+                  "nmls_id": {
+                    "type": "number"
+                  }
+                },
+                "required": [
+                  "nmls_id",
+                  "name",
+                  "canonical_url"
+                ],
+                "type": "object"
+              },
+              {
+                "type": "null"
+              }
+            ]
+          },
+          "lender_profile_url": {
+            "type": [
+              "string",
+              "null"
+            ]
+          },
+          "licensed_states": {
+            "items": {
+              "type": "string"
+            },
+            "type": "array"
+          },
+          "nmls_id": {
+            "type": "number"
+          }
+        },
+        "required": [
+          "nmls_id",
+          "full_name",
+          "canonical_url"
+        ],
+        "type": "object"
+      },
+      "match_level": {
+        "enum": [
+          "officer",
+          "lender"
+        ],
+        "type": "string"
+      },
+      "match_status": {
+        "enum": [
+          "exact",
+          "partial"
+        ],
+        "type": "string"
+      },
+      "matched_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "office_location_unknown": {
+        "type": "boolean"
+      },
+      "rank": {
+        "type": "number"
+      },
+      "reasons": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "unconfirmed_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      }
+    },
+    "required": [
+      "rank",
+      "loan_officer",
+      "reasons",
+      "canonical_url"
+    ],
+    "type": "object"
+  },
+  {
+    "additionalProperties": {},
+    "properties": {
+      "canonical_url": {
+        "type": "string"
+      },
+      "distance_mi": {
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "full_name": {
+        "type": "string"
+      },
+      "last_verified": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lender": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "license_check": {
+        "additionalProperties": {},
+        "properties": {
+          "confidence": {
+            "enum": [
+              "confirmed",
+              "lender_reported",
+              "federal_registration",
+              "unknown"
+            ],
+            "type": "string"
+          },
+          "state": {
+            "type": "string"
+          },
+          "verified_at": {
+            "type": [
+              "string",
+              "null"
+            ]
+          }
+        },
+        "required": [
+          "state",
+          "confidence",
+          "verified_at"
+        ],
+        "type": "object"
+      },
+      "licensed_states": {
+        "description": "Licensed or eligible states the query is about, not every state on file.",
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "match_level": {
+        "enum": [
+          "officer",
+          "lender"
+        ],
+        "type": "string"
+      },
+      "match_status": {
+        "enum": [
+          "exact",
+          "partial"
+        ],
+        "type": "string"
+      },
+      "nmls_id": {
+        "type": "number"
+      },
+      "office": {
+        "anyOf": [
+          {
+            "additionalProperties": {},
+            "properties": {
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "state": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              }
+            },
+            "required": [
+              "city",
+              "state"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "office_location_unknown": {
+        "type": "boolean"
+      },
+      "rank": {
+        "type": "number"
+      },
+      "specialties": {
+        "items": {
+          "additionalProperties": {},
+          "properties": {
+            "reason": {
+              "type": "string"
+            },
+            "slug": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "slug",
+            "reason"
+          ],
+          "type": "object"
+        },
+        "type": "array"
+      },
+      "unconfirmed_specialties": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      }
+    },
+    "required": [
+      "rank",
+      "nmls_id",
+      "full_name",
+      "canonical_url",
+      "lender",
+      "office",
+      "licensed_states",
+      "specialties",
+      "last_verified"
+    ],
+    "type": "object"
+  }
+]

removedOutput schema / properties / results / items / properties

Removed value: -{
-  "canonical_url": {
-    "type": "string"
-  },
-  "distance_mi": {
-    "type": [
-      "number",
-      "null"
-    ]
-  },
-  "license_check": {
-    "additionalProperties": {},
-    "properties": {
-      "confidence": {
-        "enum": [
-          "confirmed",
-          "lender_reported",
-          "federal_registration",
-          "unknown"
-        ],
-        "type": "string"
-      },
-      "label": {
-        "type": "string"
-      },
-      "state": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "state",
-      "confidence",
-      "label"
-    ],
-    "type": "object"
-  },
-  "loan_officer": {
-    "additionalProperties": {},
-    "properties": {
-      "branch": {
-        "anyOf": [
-          {
-            "additionalProperties": {},
-            "properties": {
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "state": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              }
-            },
-            "required": [
-              "city",
-              "state"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "canonical_url": {
-        "type": "string"
-      },
-      "full_name": {
-        "type": "string"
-      },
-      "languages": {
-        "items": {
-          "type": "string"
-        },
-        "type": "array"
-      },
-      "lender": {
-        "anyOf": [
-          {
-            "additionalProperties": {},
-            "properties": {
-              "canonical_url": {
-                "type": "string"
-              },
-              "name": {
-                "type": "string"
-              },
-              "nmls_id": {
-                "type": "number"
-              }
-            },
-            "required": [
-              "nmls_id",
-              "name",
-              "canonical_url"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "lender_profile_url": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "licensed_states": {
-        "items": {
-          "type": "string"
-        },
-        "type": "array"
-      },
-      "nmls_id": {
-        "type": "number"
-      }
-    },
-    "required": [
-      "nmls_id",
-      "full_name",
-      "canonical_url"
-    ],
-    "type": "object"
-  },
-  "match_level": {
-    "enum": [
-      "officer",
-      "lender"
-    ],
-    "type": "string"
-  },
-  "match_status": {
-    "enum": [
-      "exact",
-      "partial"
-    ],
-    "type": "string"
-  },
-  "matched_specialties": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  },
-  "office_location_unknown": {
-    "type": "boolean"
-  },
-  "rank": {
-    "type": "number"
-  },
-  "reasons": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  },
-  "unconfirmed_specialties": {
-    "items": {
-      "type": "string"
-    },
-    "type": "array"
-  }
-}

removedOutput schema / properties / results / items / required

Removed value: -[
-  "rank",
-  "loan_officer",
-  "reasons",
-  "canonical_url"
-]

removedOutput schema / properties / results / items / type
```
Removed value: -"object"
```

changedOutput schema / required

Previous value: -[
-  "canonical_url",
-  "requested_specialties",
-  "exact_match_count",
-  "all_terms_understood",
-  "unassessed_requirements",
-  "fallback_applied",
-  "search",
-  "count",
-  "results",
-  "method",
-  "citation_guidance"
-]New value: +[
+  "canonical_url",
+  "requested_specialties",
+  "exact_match_count",
+  "all_terms_understood",
+  "unassessed_requirements",
+  "fallback_applied",
+  "search",
+  "count",
+  "results",
+  "citation_guidance"
+]

First observedOct 18, 2026

TDQS

A4.6/5.0

Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already establish read-only, idempotent, non-destructive, closed-world behavior, and the description still adds substantial non-obvious context: partial coverage of LenDb, ranking rules, distance radius auto-widening from 25 to 50/100 miles, separate not_yet_verified bucket, ambiguous_location and unassessed_requirements signals, and the guarantee that phone/email are never returned. That is far beyond what the annotations convey.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The opening clause is front-loaded with the trigger and the rest is dense but purposeful; the scenario enumeration and the edge-case returns (not_yet_verified, ambiguous_location) each carry routing value. It loses a point because the field-by-field enumeration of result contents partly duplicates what the output schema and the 'detail' parameter description already state.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a 7-parameter, open-world-ish search tool with an output schema, the description covers what an agent still needs: source and coverage limits, ranking and radius behavior, the unverified-results caveat, ambiguity handling, and the name-lookup escape hatch. Nothing an agent needs in order to call it correctly or interpret results is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100%, so the baseline is 3, but the description adds semantics the schema does not: a city/ZIP constrains offices to 25 miles widened to 50 or 100 with a search.note, a state alone ranks statewide, and 'situation' may hold a person's licensed name to yield a profile_match. These behaviors materially change how an agent should phrase inputs.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a specific verb and resource ('find/search US mortgage loan officers') and immediately bounds the scope: situation-specific, place-specific, sourced from LenDb, ranked list returned. It is clearly distinct from the profile-lookup siblings (get_loan_officer, get_lender) because it returns a ranked list rather than a single record.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

'Use this when someone wants a US mortgage loan officer ... for a specific situation and place' gives a concrete trigger, backed by an unusually rich set of example scenarios (FHA, VA, DSCR, ITIN, bank statement, Spanish-speaking) that show the intended query shape. It does not explicitly say when to prefer get_loan_officer over this tool, though the name-in-situation -> profile_match note effectively covers that case.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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