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For lenders and underwriters

Collateral risk, cited to its source.

A score your credit memo can quote, with the citation trail attached. Nine factors, seven federal agencies.

Free to score · No card, no signup · All 50 states

FEMA flood zones · Buffalo Bayou, Houston

9 factors · 1 to watch

  • ZoningClear
  • FloodClear
  • SeismicClear
  • WildfireClear
  • RadonClear
  • SoilWatch
  • TerrainClear
  • UtilitiesClear
  • Lot shapeClear
Professional reportPDF · every finding cited$99

Sample report · 1247 Pine St, an invented parcel

Finding first. Source attached.

The sample report, an invented parcel, laid out the way a credit file reads it.

1247 Pine St, Austin, TXSample parcel
FloodZone XFEMA NFHL
SeismicVery lowUSGS · regional context
WildfireLowUSFS
RadonZone 3 · lowEPA zones · regional context
SoilExpansive clay · watchUSDA SSURGO
ZoningSF-3City of Austin
Buildability Score™87 · Likely yes

From application to credit file.

  1. 01

    Pre-screen the application.

    A free check in about 20 seconds flags flood, hazards and zoning before underwriting starts.

  2. 02

    Underwrite with the report.

    Parcel, all nine factors and market context in one standard document, every finding cited.

  3. 03

    File it and defend it.

    The method is versioned and frozen: the same inputs reproduce the same number when anyone re-checks.

One Score. Every other side of the deal.

Parcel lines · Esri World ImageryHomeowners

What can you build on your lot?

City zoning · Hyde Park, AustinBrokers

Know the listing better than anyone.

USGS elevation · Green Mountain, Lakewood, CODevelopers

Kill the bad sites before they cost you.

USFS wildfire hazard · foothills west of Boulder, COInvestors

Screen every deal. Offer on the winners.

USDA soil survey · Salt River, Mesa, AZFamily offices

The whole book, on one standard.

Before you start.

Can I cite the Score in a credit memo?

Yes. The method is versioned, frozen and golden-tested, and every finding names the dataset it came from.

What geography does it cover?

All 50 states. Sources are queried live on every fresh run, so coverage doesn’t depend on pre-loaded counties.

What does it cost?

The live Score is free. Reports are $99 each, sliding to $79 at volume, and never expire. Pro is $289 a month with 3 reports and a shared workspace.

Is it an appraisal or a site assessment?

No. It screens the parcel and cites the public record. It is not an appraisal, a survey, a permit or legal advice.

Underwrite with the receipts attached.

Run the collateral address. Cited end to end.