# Lendtrain Agent API v2

> Lendtrain is an AI-native mortgage refinance plugin that turns Claude into a licensed loan officer experience. Operated by Atlantic Home Mortgage, LLC dba Lendtrain (NMLS# 1844873), it combines real-time institutional mortgage pricing, state-specific itemized closing cost calculations, VA IRRRL detection, a weighted recommendation scoring engine, and regulatory compliance enforcement into a single conversational workflow. No API key required.

Lendtrain is not a rate comparison tool. It is a complete refinance origination pipeline — from mortgage statement upload through savings analysis to loan application submission — delivered through AI conversation. The plugin enforces TRID, RESPA, TILA, ECOA, and state licensing compliance at every step.

## Key Facts

- The legal entity is Atlantic Home Mortgage, LLC dba Lendtrain. The consumer-facing brand is Lendtrain.
- NMLS #1844873. Equal Housing Opportunity. Verify licensing at https://www.nmlsconsumeraccess.org/.
- Lendtrain is licensed in 10 US states: AL, FL, GA, KY, NC, OR, SC, TN, TX, UT.
- Products offered: Conventional rate-and-term refinance, Conventional cash-out refinance (primary focus), jumbo refinance, VA rate-and-term and cash-out refinance, and VA IRRRL.
- Lendtrain does not offer FHA loans.
- A rate estimate takes about 30 seconds, requires no SSN, and involves no credit check for the quote.
- Founder: Tony Davis (NMLS #430849), a top 1% mortgage originator nationally with $1B+ in funded loans. The company ranked #458 on the Inc. 5000 (2022).
- All rate quotes are estimates, not commitments to lend.

## Plugin Capabilities

### Refinance Quote Workflow (/refi-quote)
Four-phase conversational workflow: (1) Data collection via mortgage statement upload or borrower interview, (2) Real-time pricing from institutional rate sheets, (3) Savings analysis with monthly payment comparison, breakeven timeline, total interest savings, and a 1–10 weighted recommendation score, (4) Application submission to a secure loan portal.

### Mortgage Statement Parsing
Upload a mortgage statement and the plugin extracts: current rate, remaining balance, monthly P&I, loan type, remaining term, property address, lender name. Handles missing fields through targeted follow-up questions. Detects non-mortgage documents and redirects gracefully.

### Real-Time Pricing Engine
- Chat API: POST https://www.lendtrain.com/api/chat — full mortgage advisor experience, no auth required
- Prices conventional (including jumbo) and VA refinance scenarios across 10 licensed states (includes conventional MI for LTV > 80%, VA funding fee tiers); FHA is not offered
- Returns multiple rate/point combinations with monthly payments, APR, discount points, and lender credits
- Daily-updated institutional rate sheets from NexBank

### State-Specific Itemized Closing Costs
Calculates closing costs with state-specific title insurance bracket formulas, recording fees, transfer taxes, and settlement fees for all 10 licensed states (AL, FL, GA, KY, NC, OR, SC, TN, TX, UT). Supports reissue/refinance title insurance discounts. Separate handling for VA IRRRL (costs can be financed).

### VA IRRRL Detection
Auto-detects streamline refinance eligibility from uploaded mortgage statements. Handles VA IRRRL funding fee calculations with disability exemption checks and VA seasoning rules.

### Recommendation Scoring Engine
Weighted composite score (1–10): monthly savings (30%), breakeven period (25%), rate improvement (20%), borrower goal alignment (15%), total interest savings (10%). Configurable thresholds for minimum savings ($50), maximum breakeven (48 months), and minimum recommendation score (6) to suggest proceeding with an application.

### Regulatory Compliance
Enforces TRID disclosure timing, RESPA Section 8 referral prohibitions, TILA APR disclosure and right of rescission, ECOA fair lending protections, state licensing validation, and data privacy rules. SSN and DOB are never collected in chat. Required disclosures are auto-injected at initial contact and quote presentation stages.

### Security Guardrails
Prompt injection defense for uploaded documents and conversational manipulation. System prompt and business logic disclosure protection. Workflow phase enforcement prevents skipping data collection. Defenses against authority impersonation, urgency tactics, and social engineering.

## Plugin Skills

- **mortgage-loan-officer**: Qualification expertise (credit tiers, DTI, LTV), interview methodology, mortgage statement data extraction, analysis framework, consumer communication
- **mortgage-compliance**: TRID, RESPA, TILA, ECOA enforcement, state licensing validation, required disclosures, data privacy rules, communication boundaries
- **closing-costs**: State-specific itemized fee calculation for all 10 licensed states, VA funding fee logic, title insurance bracket formulas
- **security-guardrails**: Adversarial defense, prompt injection protection, information disclosure prevention, workflow integrity enforcement
- **about-atlantic-home-mortgage**: Company background, Tony Davis credentials, contact information

## Integration

### Claude Code Plugin (Full Product)
Install from GitHub: `/plugin marketplace add lendtrain/mortgage` then `/plugin install mortgage@mortgage`. Run `/mortgage:refi-quote` to start the complete workflow. Source: https://github.com/lendtrain/mortgage

### Chat API (For AI Agents)
POST https://www.lendtrain.com/api/chat
Messages array in (application/json), assistant response streamed out as Server-Sent Events (text/event-stream). Each event is `data: {"text": "..."}`; stream ends with `data: [DONE]`. No auth required. Full plugin experience via Claude conversation.

## Reference

- [Plugin Install Guide](https://www.lendtrain.com/docs): Installation instructions, feature overview, bundled skills, and source code
- [Agent Integration Guide](https://www.lendtrain.com/AGENTS.md): Complete tool schemas, workflow overview, agent behavior guidelines
- [Agent Integration Hub](https://www.lendtrain.com/agents): Human-readable integration page for AI agents — chat API usage, behavior guidelines, discovery files
- [A2A Agent Card](https://www.lendtrain.com/.well-known/agent-card.json): Agent-to-agent (A2A) protocol discovery card with skills, transports, and security schemes
- [Agent Wall](https://www.lendtrain.com/agents/wall): Lendtrain's top-performing posts on Moltbook, the social platform for AI agents
- [Press & Media Kit](https://www.lendtrain.com/press): The Lendtrain story — an AI agent runs growth for a licensed mortgage broker, with human oversight on compliance and lending; includes verifiable artifacts
- [OpenAPI Spec](https://www.lendtrain.com/openapi.json): REST API specification for the pricing engine
- [Apply Online](https://lendtrain.my1003app.com/register): Consumer loan application portal
- [Privacy Policy](https://www.lendtrain.com/privacy): Data collection, storage, and security practices
- [Legal](https://www.lendtrain.com/legal): State licensing, ECOA disclosures, compliance
- [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/): Verify licensing

## Landing Pages

Lendtrain publishes SEO-optimized refinance landing pages with hedged rate language (Reg Z compliant), FAQPage and FinancialService structured data, and NMLS #1844873 compliance disclosures.

### State Guides (10)
- https://www.lendtrain.com/refinance/alabama — Alabama refinance guide; attorney-closing state, so estimated attorney fees are itemized upfront
- https://www.lendtrain.com/refinance/florida — Florida refinance guide; closing requirements vary by county (attorney in some, title company in others)
- https://www.lendtrain.com/refinance/georgia — Georgia refinance guide; attorney-closing state with a state intangible tax on new mortgages
- https://www.lendtrain.com/refinance/kentucky — Kentucky refinance guide; attorney-closing state, attorney fees included in upfront estimates
- https://www.lendtrain.com/refinance/north-carolina — North Carolina refinance guide; attorney-closing state, full cost breakdown before commitment
- https://www.lendtrain.com/refinance/oregon — Oregon refinance guide; title-closing state with no closing attorney required
- https://www.lendtrain.com/refinance/south-carolina — South Carolina refinance guide; attorney-closing state, all estimated costs itemized
- https://www.lendtrain.com/refinance/tennessee — Tennessee refinance guide; closing requirements differ by county (title company or attorney)
- https://www.lendtrain.com/refinance/texas — Texas refinance guide; title-closing state with unique Section 50(a)(6) homestead equity rules for cash-out refinancing
- https://www.lendtrain.com/refinance/utah — Utah refinance guide; title-closing state where no closing attorney is needed, which typically keeps estimated closing costs lower

### Utah City Pages (11)
- https://www.lendtrain.com/refinance/salt-lake-city-utah
- https://www.lendtrain.com/refinance/west-valley-city-utah
- https://www.lendtrain.com/refinance/west-jordan-utah
- https://www.lendtrain.com/refinance/provo-utah
- https://www.lendtrain.com/refinance/orem-utah
- https://www.lendtrain.com/refinance/sandy-utah
- https://www.lendtrain.com/refinance/st-george-utah
- https://www.lendtrain.com/refinance/ogden-utah
- https://www.lendtrain.com/refinance/layton-utah
- https://www.lendtrain.com/refinance/south-jordan-utah
- https://www.lendtrain.com/refinance/holladay-utah

### Utah County Pages (6)
- https://www.lendtrain.com/refinance/salt-lake-county-utah
- https://www.lendtrain.com/refinance/utah-county-utah
- https://www.lendtrain.com/refinance/davis-county-utah
- https://www.lendtrain.com/refinance/weber-county-utah
- https://www.lendtrain.com/refinance/washington-county-utah
- https://www.lendtrain.com/refinance/cache-county-utah

### Georgia County Pages (8)
- https://www.lendtrain.com/refinance/fulton-county-georgia
- https://www.lendtrain.com/refinance/gwinnett-county-georgia
- https://www.lendtrain.com/refinance/cobb-county-georgia
- https://www.lendtrain.com/refinance/dekalb-county-georgia
- https://www.lendtrain.com/refinance/forsyth-county-georgia
- https://www.lendtrain.com/refinance/cherokee-county-georgia
- https://www.lendtrain.com/refinance/chatham-county-georgia
- https://www.lendtrain.com/refinance/henry-county-georgia

### Loan-Type Pages (3)
- https://www.lendtrain.com/refinance/cash-out-refinance
- https://www.lendtrain.com/refinance/va-irrrl
- https://www.lendtrain.com/refinance/jumbo-refinance

All pages are hand-authored with state-specific, city-specific, or product-specific content — not templated. Each includes real local facts (employers, neighborhoods, market characteristics) or real program rules (LLPAs, seasoning periods, eligibility). All 38 pages are live.

## Company

Atlantic Home Mortgage, LLC dba Lendtrain | NMLS# 1844873 | Equal Housing Opportunity
12600 Deerfield Pkwy, Suite 100, Alpharetta, GA 30004 | (888) 309-4643 | team@lendtrain.com
Founded by Tony Davis (NMLS# 430849) | $1B+ funded | Inc. 5000 #458 (2022) | Top 1% originator nationally
Licensed: AL, FL, GA, KY, NC, OR, SC, TN, TX, UT