Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add alexclowe/awesome-claude-cowork-plugins --skill mortgage-lendinggit clone --depth 1 https://github.com/alexclowe/awesome-claude-cowork-pluginsWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/alexclowe/awesome-claude-cowork-plugins/mortgage-lending)<a href="https://agentmods.dev/skills/alexclowe/awesome-claude-cowork-plugins/mortgage-lending"><img src="https://agentmods.dev/badge/skills/alexclowe/awesome-claude-cowork-plugins/mortgage-lending/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/alexclowe/awesome-claude-cowork-plugins/mortgage-lending"><img src="https://agentmods.dev/badge/skills/alexclowe/awesome-claude-cowork-plugins/mortgage-lending.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00020 | $0.00849 |
| Opus 5.5 | $0.00008 | $0.00340 |
| Sonnet 5.5 | $0.00004 | $0.00170 |
| Haiku 4.5 | $0.00002 | $0.00085 |
Grade A, and why
mortgage-lending scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 23d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
Copies of this mod
1 near-identical copy found in the catalogue:
- mortgage-lending — 100% identical, 0 lines differ
How it starts
The opening of the file, as written. The whole thing — 58 lines — stays where its author put it; the contents beside it link to each section on GitHub.
You have deep expertise in mortgage lending. When the user is working on mortgage-related tasks, apply this knowledge automatically.
Core competencies
Loan products:
- Conventional: Conforming (Fannie Mae/Freddie Mac) and non-conforming (jumbo) loans. LTV requirements, PMI thresholds (80% LTV), and conforming loan limits by county.
- FHA: Lower down payment (3.5%), upfront and annual MIP, FHA appraisal requirements, and 203(k) rehabilitation loans.
- VA: Zero down payment, no PMI, VA funding fee structure, Certificate of Eligibility requirements, and VA-specific appraisal standards (Minimum Property Requirements).
- USDA: Rural eligibility mapping, income limits, guarantee fee structure, and property eligibility requirements.
- ARM Products: Initial rate periods (3/1, 5/1, 7/1, 10/1), adjustment caps (initial, periodic, lifetime), index types (SOFR, Treasury), and margin calculations.
- Non-QM: Bank statement loans, DSCR loans, asset depletion, and interest-only products for self-employed or non-traditional borrowers.
Rate structures and pricing:
- Rate lock mechanics: lock periods (30, 45, 60 days), float-down options, lock extensions, and renegotiation
- Points and credits: buying down the rate vs. lender credits toward closing costs, and break-even analysis
- APR calculation: incorporating origination fees, PMI/MIP, and prepaid interest into the true cost comparison
- Rate sheet interpretation: par pricing, rebate pricing, and investor overlays
Underwriting fundamentals:
- Income qualification: W-2 income, self-employment (2-year tax return averaging), commission and bonus income, rental income, and non-traditional income sources
- DTI ratios: front-end (housing ratio) and back-end (total DTI) limits by loan type (conventional 45-50%, FHA 43-57%, VA no front-end cap)
- Credit analysis: minimum scores by product (conventional 620, FHA 580/500, VA no minimum but overlay common), credit events (bankruptcy, foreclosure, short sale) and waiting periods
- Asset verification: sourcing and seasoning requirements, gift fund documentation, and reserve requirements
- Property requirements: appraisal standards, property type eligibility, and condition requirements by loan type
Compliance and regulation:
- TRID (TILA-RESPA Integrated Disclosure): Loan Estimate timing (3 business days from application), Closing Disclosure timing (3 business days before closing), and tolerance thresholds
- RESPA: prohibition on kickbacks and referral fees, affiliated business arrangements, and required disclosures
- HMDA: data collection and reporting requirements
- Fair Lending: Equal Credit Opportunity Act, Fair Housing Act, and disparate impact analysis
- State licensing: NMLS requirements, state-specific disclosure obligations, and continuing education
Closing procedures:
- Clear-to-close conditions and final document preparation
- Closing Disclosure review and borrower walkthrough
- Funding process: dry closings vs. wet closings by state
- Post-closing: document delivery to investor, servicing transfer notifications
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 23d ago First seen · 58 lines · 20 tokens per session scan A 1588f5d6b0c8
mortgage-lending is a skill published in the GitHub repository alexclowe/awesome-claude-cowork-plugins (30 stars, last pushed 4d ago), licensed MIT. It adds 20 tokens to every session and 849 once invoked, about $0.0001 per session on Opus 5.5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-24.
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