LendCtl AI

🏦 Autonomous Lending Decision Agent — Ask lending questions in plain English. Get instant, compliant decisions.

npm install -g lendctl-ai
lendctl-ai ask 'Can I qualify for a $400k mortgage with $90k income and 720 credit?'

⚠️ Note: Use single quotes around questions with $ signs to prevent shell variable expansion.

✅ Fully Standalone

v0.2.2+: All 8 calculators run as pure JavaScript — no external CLI dependencies. Just npm install and go.

Features

• 🤖 Natural Language Interface — Ask lending questions like you'd ask a loan officer
• 📋 Autonomous Planning — Decomposes complex questions into calculations
• ✅ Self-Validation — Verifies calculations and compliance automatically
• 📊 8 Built-in Calculators — Income, credit, mortgage, auto, personal, card, compliance, audit
• 📝 Audit Trail — Every decision logged for regulatory compliance
• 🔌 Multi-Channel — CLI, REST API, WhatsApp, Telegram

Quick Start

# Install globally
npm install -g lendctl-ai

# Set your OpenAI API key
export OPENAI_API_KEY=sk-...

# Ask a question (use single quotes for $ signs!)
lendctl-ai ask 'I make $85,000/year with a 720 credit score. Can I afford a $350,000 house?'

# Interactive chat
lendctl-ai chat

# Start API server
lendctl-ai serve

Example

$ lendctl-ai ask 'I make $85,000/year and want to buy a $350,000 home with 10% down. I have a 720 credit score and $400/month in car payments.'

Output:

╔═══════════════════════════════════════════════════════════╗
║  LendCtl AI - Autonomous Lending Decision Agent           ║
╚═══════════════════════════════════════════════════════════╝

📋 Question: I make $85,000/year and want to buy...

📝 Report:

**Summary**: ✅ You likely qualify for this mortgage

**Key Numbers**:
- Gross Monthly Income: $7,083
- Est. Housing Payment: $2,100 (PITI)
- Front-end DTI: 29.6%
- Back-end DTI: 35.3%
- LTV: 90% (PMI required)

**Analysis**:
Your debt-to-income ratios are within acceptable limits for conventional
financing. With a 720 credit score, you qualify for competitive rates.
The 10% down payment means you'll need PMI until you reach 20% equity.

**Recommendation**:
Approved for conventional financing. Consider:
1. Increasing down payment to 20% to eliminate PMI
2. Shopping multiple lenders for best rate with your credit profile

**Compliance Notes**:
- QM Safe Harbor: ✓ (DTI under 43%)
- ATR: Income and debts verified

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
Session: lendctl-abc123
Iterations: 1 | Time: 4823ms

Built-in Calculators

All calculations run locally — no external CLI tools required.

| Calculator | Description | |------------|-------------| | finctl | Income analysis, DTI calculation | | creditctl | Credit score analysis, risk tier, rescore simulation | | mortctl | Mortgage qualification, LTV, PMI, amortization | | autoloanctl | Auto loan calculations, GAP insurance recommendations | | persctl | Personal loan eligibility, debt consolidation analysis | | cardctl | Credit limit estimation, balance transfer analysis | | compctl | QM/ATR validation, TRID timing, adverse action notices | | auditctl | In-memory audit trail, compliance exports |

API Server

Start the server:

lendctl-ai serve --port 5055

Query endpoint:

curl -X POST http://localhost:5055/api/v1/query \
  -H "Content-Type: application/json" \
  -d '{
    "question": "Can I qualify for a 400k mortgage with 90k income?",
    "model": "gpt-4o",
    "stream": false
  }'

Response:

{
  "sessionId": "lendctl-abc123",
  "success": true,
  "iterations": 1,
  "totalDurationMs": 4823,
  "plan": {
    "understanding": "User wants to know if they qualify for a $400,000 mortgage...",
    "steps": [...]
  },
  "results": [...],
  "validation": {
    "isValid": true,
    "issues": []
  },
  "report": "**Summary**: ✅ You likely qualify..."
}

Architecture

User Query → Planner (LLM) → Executor (Calculators) → Validator → Reporter
                                    ↓
                        ┌──────────────────────┐
                        │   Built-in Tools     │
                        │ finctl · creditctl   │
                        │ mortctl · autoloanctl│
                        │ persctl · cardctl    │
                        │ compctl · auditctl   │
                        └──────────────────────┘

Configuration

| Variable | Description | Default | |----------|-------------|---------| | OPENAI_API_KEY | OpenAI API key (required) | - | | ANTHROPIC_API_KEY | Anthropic API key (optional) | - | | PORT | API server port | 5055 |

Evaluation

Run the test suite:

lendctl-ai eval

# Run subset
lendctl-ai eval --sample 5

Related

• LendCtl Skill — AI agent skill with 6 workflows
• finctl — Standalone income & DTI CLI
• creditctl — Standalone credit analysis CLI
• mortctl — Standalone mortgage underwriting CLI

License

Apache-2.0 © Satyan Avatara

Built with ❤️ by Avatara Consulting