Home mortgage lending patterns, denial rates, and fair lending data
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Average 4.1/5 across 4 of 4 tools scored.
Each tool has a clearly distinct purpose with no overlap: get_aggregate_stats provides summary statistics, get_denial_reasons focuses on denial breakdowns, get_lending_by_race analyzes racial disparities, and get_mortgage_data returns detailed loan-level records. The descriptions clearly differentiate their specific analytical functions within the HMDA domain.
All tools follow a consistent verb_noun pattern with 'get_' prefix followed by descriptive nouns (aggregate_stats, denial_reasons, lending_by_race, mortgage_data). The naming convention is perfectly uniform throughout the toolset, making them predictable and easy to understand.
Four tools is reasonable for a mortgage data analysis server, covering key analytical perspectives (aggregate statistics, denial analysis, racial disparities, and detailed data). However, the scope feels slightly thin - additional tools for filtering by lender, property type, or income brackets could enhance completeness without being excessive.
The toolset covers the core analytical needs for HMDA data exploration with different granularities and perspectives. Minor gaps exist: there's no tool specifically for lender-level analysis, no ability to compare multiple geographies simultaneously, and no specialized tools for time-series analysis across years. However, agents can work around these limitations using the existing tools effectively.
get_aggregate_statsInspectGet aggregate mortgage lending statistics for a geographic area.
Returns summary statistics including total applications, originations,
denials, and loan amounts. Useful for understanding overall lending
activity in a state or county.
Args:
state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
year: Data year (e.g. 2022). Defaults to 2022 if not specified.
| Name | Required | Description | Default |
|---|---|---|---|
| year | No | ||
| state | No | ||
| county_fips | No |
| Name | Required | Description |
|---|---|---|
| result | Yes |
get_denial_reasonsInspectGet mortgage denial reasons breakdown for a geographic area.
Returns the distribution of denial reasons for mortgage applications
that were denied. Useful for identifying barriers to homeownership
in specific communities.
Args:
state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
year: Data year (e.g. 2022). Defaults to 2022 if not specified.
| Name | Required | Description | Default |
|---|---|---|---|
| year | No | ||
| state | No | ||
| county_fips | No |
| Name | Required | Description |
|---|---|---|
| result | Yes |
get_lending_by_raceInspectGet mortgage lending patterns disaggregated by race and ethnicity.
Returns mortgage origination and denial data broken down by the
race/ethnicity of the applicant. Useful for fair lending analysis
and identifying disparities in mortgage access.
Args:
state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
year: Data year (e.g. 2022). Defaults to 2022 if not specified.
| Name | Required | Description | Default |
|---|---|---|---|
| year | No | ||
| state | No | ||
| county_fips | No |
| Name | Required | Description |
|---|---|---|
| result | Yes |
get_mortgage_dataInspectGet Home Mortgage Disclosure Act (HMDA) loan-level data.
Returns mortgage application and origination records reported by
financial institutions under HMDA. At least one geographic filter
(state or county_fips) is recommended to limit results.
Args:
state: Two-letter US state abbreviation (e.g. 'CA', 'TX').
county_fips: Five-digit county FIPS code (e.g. '06037' for LA County).
year: Data year (e.g. 2022). Defaults to 2022 if not specified.
action_taken: Loan action code: '1' (originated), '2' (approved not
accepted), '3' (denied), '4' (withdrawn), '5' (incomplete).
loan_type: Loan type code: '1' (conventional), '2' (FHA-insured),
'3' (VA-guaranteed), '4' (USDA/RHS).
limit: Maximum number of records to return (default 100, max 1000).
| Name | Required | Description | Default |
|---|---|---|---|
| year | No | ||
| limit | No | ||
| state | No | ||
| loan_type | No | ||
| county_fips | No | ||
| action_taken | No |
| Name | Required | Description |
|---|---|---|
| result | Yes |
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