phmloans.com

Read 1 day ago, the first 100 pages. Read it again

Top 50%of the 263,590 sites mttr has read, at #131,292

It scores 77.

A score says pages are well formed. It does not say an assistant cites the site.

Fix this first

Add structured data

77 now84 with itTop 25% from 85

#131,292to#70,81960,473 places up99 of its 100 pages fail it. 1 in 3 ranked sites pass it.

Agent View, 100% readable by AI agentsAsked about, named in 0 of 9 questions

Where it ranks

Up 132,298 places since Oct 14, from #263,590. 8 points take it into the top quarter.

Open the leaderboard

Beside it on the board

  1. #131,290stoneworktopslondon.com77
  2. #131,291revise.net77
  3. #131,292phmloans.com77
  4. #131,293malmaison.com77
  5. #131,294leonardbernstein.com77

7,645 sites score 77. A tie goes to the site with faster, leaner pages that say more and keep improving.

To the top quarter

  1. 77Now#131,292
  2. 84Add structured data#70,819
  3. 90Set each page's canonical addressTop 25%

2 fixes. Top 25% starts at 85.

Where it stands

Each stage against the middle site. It trails on Access and Understand.

Access35 points81
Middle site
91
Behind by
10

Worth the mostSet each page's canonical address+6

Understand30 points45
Middle site
59
Behind by
14

Worth the mostAdd structured data+7

Trust20 points100
Middle site
98
Ahead by
2

Full marks1 in 4 ranked sites have them

Act15 points100
Middle site
57
Ahead by
43

Full marks2 in 7 ranked sites have them

Against a typical site

The readThis siteTypicalAgainst typical
Pages read1004456 more than typical
Links a page114138.9× typical
Words a page6593941.7× typical
Rules failing somewhere1414About typical
Half its pages answer in87 ms210 ms59% faster than typical

This siteWorse than typicalTypical, the middle ranked site, worked out each hour

The work, worth the most first

14 fixes. The first 5 are worth the most; each group says the places it lifts the site, counted from where every ranked site scores now.

Open the action plan
FixIts pages that fail it, fewer is betterSites passing
Worth 7 points60,473 places up
Add structured dataUnderstand99 of 1001 in 3
Worth 6 points51,869 places up
Set each page's canonical addressAccess99 of 1002 in 5
Worth 3 points each25,382 places up each
Describe imagesUnderstand99 of 1002 in 7
Fix description lengthsUnderstand98 of 1001 in 11
Worth 2 points16,960 places up
Set a share imageUnderstand97 of 1002 in 7
Show 9 more fixes
Worth under a point each
Let AI crawlers inAccessAbout the whole site19 in 20
Publish a sitemapAccessAbout the whole site3 in 4
Settle on one addressAccessAbout the whole site2 in 3
Match structured data to the pageUnderstand1 of 1003 in 7
Add an llms.txtAccessAbout the whole site1 in 4
Fix title lengthsUnderstand11 of 1001 in 6
Use one main headingUnderstand3 of 1001 in 4
Fix pages that fail to loadAccess1 of 1003 in 4
Link straight to the final addressAccess2 of 1001 in 2

How AI reads this site

It reads mostly as lending, insurance and finance, and a little like real estate. 6 changes would make it plainer.

It reads as

Lending, insurance and financeIt says it is in Fairfax.

  1. None
  2. Loosely
  3. Split
  4. Mostly
  5. Clearly
  1. Closest lines of workAgainst the closest
  2. Lending, insurance and finance
  3. Real estate
  4. Law firms

What an assistant reads first

Home pageWhat it says
TitleProsperity Home Mortgage, LLC
DescriptionNone in the HTML
First headingThe advantage is yours.
OpeningEqual Housing Lender. All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify.

6 changes so it reads plainly as what it is

  1. Say what you do, for whom and where

    Its pages read only partly as Lending, insurance and finance. An assistant matches a site to a question by what its pages plainly say.

    Agent instructions

    On phmloans.com, rewrite the home page title and its first sentence to say plainly what the business does, for whom and where, so the site reads as Lending, insurance and finance. Keep the title under 60 characters and lead with the service, not the name.

  2. Make the first heading say what the title says

    The title and the first heading share no word that says what the site does: “Prosperity Home Mortgage, LLC” and “The advantage is yours.”.

    Agent instructions

    On phmloans.com, give the home page one first heading (h1) that says, in a reader's words, what its title says the site is: Lending, insurance and finance.

  3. Write a description

    The home page has no description, so a search result and an assistant make one up from the page.

    Agent instructions

    On phmloans.com, write the home page a meta description of one or two sentences, 50 to 160 characters: what the business does, for whom, and where.

  4. Name Fairfax in the first words

    The site is in Fairfax, and its title, description, first heading and opening never say so. Questions to assistants often name a place.

    Agent instructions

    On phmloans.com, name Fairfax in the home page title or first sentence, and in the description, where it reads naturally.

  5. Say what kind of business it is in structured data

    Its home page declares no business or organization type, so a machine has to guess what it is.

    Agent instructions

    On phmloans.com, add JSON-LD to the home page declaring the most particular schema.org type for the business (one that fits Lending, insurance and finance), with its name, address, phone and sameAs links to its own profiles.

  6. Give each kind of work a page of its own

    It reads close to Real estate as well as Lending, insurance and finance. Mixed on one page, neither reads plainly.

    Agent instructions

    On phmloans.com, find where the site mixes Lending, insurance and finance with Real estate, and give each its own page, linked from the home page, so each page is about one thing.

  7. Read it again

    mttr reads the site again and says how it reads now.

An estimate made by mttr against 16 lines of work, from its home page before any script runs. It is not what any assistant says about the site. Rethink the direction with us.

Gemini cites 5 sites, not this site

A question people ask about lending, insurance and finance, asked as a person would. These questions name no place.

  1. GeminiOctober 19, 2026

    What credit score do I need for a mortgage with five per cent down?

    Gemini

    If you want to put 5% down on a home, the credit score you need depends primarily on the type of mortgage loan you choose.

    1. 1
      Conventional Loans (Fannie Mae / Freddie Mac)
      • General Minimum 620
      • What to know Conventional loans allow a minimum down payment of 5%.
    2. 2
      FHA Loans (Federal Housing Administration)
      • General Minimum 580
      • What to know If your credit score is 580 or higher, you can technically qualify for an FHA loan with a…
      • Note on lower scores: If your score is between 500 and 579, you

Asked with only the question sent; answers vary by day, place and person. Passing a rule and being cited go together here, a correlation, not proof. A score says pages are well formed. It does not say an assistant cites the site.

mttr has read 5 of the 5 sites cited.

Fix phmloans.com with your agent

Your agent makes the fixes. mttr checks each one. Free.

In the site’s repositorynpx skills add subinternal/mttr
Then tell your agentCheck phmloans.com with mttr and fix what’s worth the most.

Claude Code, Codex, Cursor or any agent that reads AGENTS.md.

Claude Code, onceclaude mcp add --transport http mttr https://mttr.si/mcp
It needs a free key
Another agent
Read it againChanged something? A site is read at most once every ten minutes.