mtgmon Mortgage Analytics

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

Annotations already declare readOnlyHint=true, openWorldHint=true, idempotentHint=true, destructiveHint=false. The description adds no extra behavioral context but does not contradict annotations.

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

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

The description is a single 12-word sentence, concise and front-loaded. However, it could be slightly more informative about the parameters.

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

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

Given the presence of an output schema and comprehensive annotations, the description is minimally adequate. It lacks details on what the comparison returns but the output schema likely compensates.

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

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

Schema description coverage is 0%. The description does not explain any parameter (lender_a, lender_b, top_n). 'top_n' is unmentioned, and lender_a/lender_b lack meaning beyond the schema.

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

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

The description clearly states the verb 'compare', the resource 'canonical HMDA lender keys', and the source 'returned by search_lenders'. It distinguishes from sibling tools like search_lenders and get_lender_profile.

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

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

The description implies usage after search_lenders, but does not explicitly state when not to use or provide alternatives. The context is clear enough for an agent.

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

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

Annotations already declare readOnlyHint, openWorldHint, idempotentHint, destructiveHint, so the safety profile is clear. The description adds specific data elements (coverage, freshness, etc.) but does not disclose additional behavioral traits beyond what annotations provide.

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

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

The description is a single, efficient sentence that front-loads the action and resource. No unnecessary words.

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

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

For a no-parameter tool with an output schema, the description sufficiently explains what the tool returns (coverage, freshness, build, cache status). It is complete enough without overspecifying.

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

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

With zero parameters and 100% schema coverage, the description does not need to add parameter meaning. The baseline for 0 params is 4, and the description meets it.

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

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

The description clearly states the tool's action: 'Get mtgmon dataset coverage, freshness, build, and cache status'. It uses a specific verb and resource, and the listed attributes distinguish it from sibling tools which focus on lenders, loans, etc.

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

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

The description implies when to use the tool (when dataset status is needed) but does not provide explicit when-not-to-use guidance or mention alternatives. It is adequate but lacks comparative advice.

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

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

Annotations already declare readOnlyHint, idempotentHint, and openWorldHint. The description adds context about 'bounded' profile and the input being a 'canonical lender key' from search_lenders, providing additional behavioral insight.

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

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

The description is a single, front-loaded sentence with no wasted words, efficiently conveying purpose.

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

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

Given the presence of an output schema and comprehensive annotations, the description adequately covers the tool's role, though it could briefly mention the output nature or constraints.

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

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

Schema coverage is 0%, and the description does not explain the 'top_n' parameter nor provide details beyond 'canonical lender key' for the 'lender' parameter, offering minimal value over the schema.

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

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

The description clearly states the tool gets a 'bounded HMDA profile' for a 'canonical lender key' from search_lenders, specifying the verb, resource, and input source, distinguishing it from siblings.

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

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

The description implicitly guides use after search_lenders by mentioning its key, but lacks explicit when-not-to-use or alternative differentiation.

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

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

Annotations already indicate readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is clear. The description adds 'bounded' and 'one clearly defined topic', which implies constraints but does not reveal additional behaviors (e.g., pagination, error conditions). Adequate given annotation richness.

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

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

Single sentence is extremely concise and front-loaded. However, it omits important context like return format, which slightly reduces effectiveness despite brevity.

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

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

Despite having an output schema, the description does not mention return values or any post-execution details. With 6 parameters and no parameter documentation, the description is incomplete for effective tool selection and invocation.

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

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

Schema description coverage is 0%, and the description provides no information about parameters. Although the schema has enums and defaults, the description fails to explain parameter usage, such as the meaning of topic values or date ranges.

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

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

The description clearly states the verb 'Get', the resource 'GSE loan-performance analytics', and the scope 'bounded' and 'one clearly defined topic'. It effectively distinguishes from sibling tools that focus on lenders, market snapshots, or servicers.

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

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

No explicit guidance on when to use this tool versus alternatives like compare_lenders or get_market_snapshot. The description only mentions 'one clearly defined topic' but lacks context for when not to use this tool or prerequisites.

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

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

Annotations already declare safe read-only, open-world, idempotent behavior. The description adds the specific types of observations but does not elaborate on data freshness or limitations, which is acceptable given the strong annotation coverage.

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

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

The description is a single sentence that concisely lists all relevant instrument categories without any fluff.

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

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

For a zero-parameter tool with an output schema, the description is mostly complete. It lists what data is returned but could clarify what 'current' means (e.g., latest available quote).

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

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

No parameters exist, and schema documentation coverage is 100% by default. The description does not need to add parameter information; it simply states what the tool returns.

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

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

The description uses a specific verb 'Get' and lists concrete financial instruments (mortgage, TBA, Treasury, SOFR, MBS-basis), clearly distinguishing the tool from sibling tools that focus on lenders or loans.

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

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

No explicit guidance on when to use this tool versus alternatives. However, the tool's name and description imply it is for market data, and sibling tools are unrelated, providing implicit context.

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

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

Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior. The description adds no behavioral traits beyond listing modes. It does not mention data availability, performance implications, or output characteristics. With annotations covering safety, a 3 is appropriate as description adds minimal extra context.

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

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

The description is a single 10-word sentence, very concise. However, it is too terse and lacks structure (e.g., bullet points or sections). The key modes are mentioned but not elaborated. It could be more helpful with minimal expansion while remaining concise.

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

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

With 6 parameters (1 required), an output schema, and three modes, the description is incomplete. No guidance on parameter usage or mode selection. The output schema is not shown but likely rich; description does not hint at return structure. Sibling tools exist but no differentiation. A more complete description would explain modes and key parameters.

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

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

Schema description coverage is 0%; the description does not explain any parameter meanings. Parameters like gse, lender, vintage, max_points are not described. The enum labels provide some clues (e.g., gse: 'all', 'fnma', 'fhlmc'), but the description adds no value beyond the enum names. The tool requires understanding of domain-specific concepts without explanation.

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

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

The description clearly states it retrieves servicer analytics with three modes: scorecard, performance, transfers. The verb 'Get' and resource 'servicer analytics' are specific. However, the term 'vintage performance fan' is jargon and may confuse. It does not explicitly differentiate from siblings like get_lender_profile.

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

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

No guidance on when to use this tool versus siblings (e.g., compare_lenders, get_loan_performance). No context on selecting mode or prerequisites. The description lacks any when-to-use or when-not-to-use information.

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

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

Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint. The description adds that it finds 'canonical HMDA lender keys' and optional filters, which is consistent but does not significantly extend behavioral disclosure.

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

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

The description is a single, well-structured sentence with no unnecessary words. Every part contributes to clarity.

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

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

Given the tool has 6 optional parameters and an output schema, the description is minimal but covers the core purpose. However, it lacks explanation of parameters beyond filters and does not set user expectations for output or behavior.

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

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

Schema description coverage is 0%, so the description must compensate. It only mentions three of six parameters (charter, state, volume) and does not cover sort, limit, or query. This leaves ambiguity about the remaining parameters.

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

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

The description clearly states the verb 'Find' and the resource 'canonical HMDA lender keys', and mentions optional filters, distinguishing it from sibling tools like compare_lenders and get_lender_profile.

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

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

No explicit guidance on when or when not to use this tool versus alternatives. The description does not mention any preconditions or excluded scenarios.

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