{"slug":"mohitagw15856-loan-decoder","source_name":"mohitagw15856/loan-decoder","name":"Mohitagw15856/Loan Decoder","description":"Decode a personal, auto, or mortgage loan offer into what it really costs and where the traps are. Use when someone asks 'is this loan a good deal', 'decode my loan offer', 'what am I signing', or 'what will this mortgage actually cost me'. Produces a total-cost-of-loan number, APR vs advertised-rate reconciliation, ranked red flags (prepayment penalties, junk fees, rate-reset exposure), and the three questions that most change the deal.","version":4,"lift":{"pass_rate_delta_pts":45.45,"pass_rate_pct":90.9,"total_cases":22,"passed_cases":20,"tokens_delta_pct":51.2,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.6-flash","grading_method":"judged","completed_at":"2026-08-16T02:04:35.288042+00:00"},"skill_score":0.9091,"benchmark_models":[{"model":"gemini-3.6-flash","headline":true,"delta_pts":45.45,"with_pass_pct":90.9,"without_pass_pct":45.5,"tokens_delta_pct":51.2,"turns_delta_pct":0,"total_cases":22,"cases_aggregated":22,"verdict":"mixed","never_hurt":true,"completed_at":"2026-08-16T02:04:35.288042+00:00","run_id":"19750a43-9ff7-443b-824a-a07461426c4f","version_number":4,"is_latest_version":true,"gate":null}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":true},"license":"MIT","install_count":0,"manifest_hash":"48f2be40690e534828563a3f32139b1383820c59e1160262e9e9feec6fb91c82","raw_url":"https://app.decimal.ai/s/mohitagw15856-loan-decoder/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/mohitagw15856-loan-decoder"}