The two tools have clearly distinct purposes: one retrieves live rate data, the other performs a calculation using those rates. There is no overlap in functionality, so an agent can easily select the correct tool based on the task.

Both tool names follow the same verb_noun pattern ('get_mortgage_rates', 'calculate_mortgage'), with specific and descriptive nouns. The consistent structure makes the API predictable and easy to navigate.

With only two tools, the server feels thin, but the narrow scope of mortgage rate retrieval and payment calculation justifies the minimal count. It is borderline on the low end of the typical 3-15 tool range.

The core workflow is covered: fetch rates and calculate a mortgage payment. Missing features like custom rate input or amortization schedules are minor gaps that agents can work around for typical use cases.