For lenders and underwriters
Collateral risk, cited to its source.
A score your credit memo can quote, with the citation trail attached. 9 factors, 5 federal agencies, queried live.
Free to score · No card, no signup · All 50 states
Finding first. Source attached.
The site-wide sample parcel in Texas, as the file reads it. Real engine output under methodology v2.
Zone X · FEMA NFHL
Low · USGS
Low · federal hazard layers
Low · EPA zones
82 / 100 · USDA SSURGO
SF-3 · county records
Buildability Score™ 89 · A · IC-ready. Every finding names the federal dataset it came from, queried live on every fresh run.
The scale
A published scale examiners can read.
Grades, bands and verdicts are rendered from the engine's own labeling code. The thresholds are part of the versioned methodology, so they cannot drift from what your file says.
From application to credit file.
One standard document per property. Consistent to review, consistent to audit.
- 01
Pre-screen the application.
A free live check in about 20 seconds flags the collateral risks (flood zone, hazards, zoning) before full underwriting starts.
- 02
Underwrite with the full report.
Parcel, zoning envelope, all nine factors, and market context in one standardized document. Every finding cites the dataset it came from.
- 03
File it and defend it.
Export the PDF into the credit file. The methodology is versioned and frozen, so the same inputs reproduce the same number when anyone re-checks.
The economics
Priced for the credit file.
Buy reports one at a time for occasional files. Move to Pro when the desk standardizes on it.
| Reports | Pro, for teams | |
|---|---|---|
| Live Score | Free, no card | Free, no card |
| Per report | $99, sliding to $79 at volume | 3 included a month, then the same slide |
| Report expiry | Never | Never |
| Team workspace and pooled balance | ||
| Parcel monitoring | Per report, 12 months | Unlimited |
| Price | Pay as you go | $289 a month |
Enterprise adds bulk upload, portfolio-wide scoring, and API access. SSO and exportable audit logs are on the roadmap.
Before you decide.
Can I cite the Score in a credit memo?
Yes. The methodology is versioned, frozen, and golden-tested in CI, and every finding names its federal dataset. The number is reproducible: same inputs, same score, forever.
What geography does it cover?
All 50 states. Sources are queried live on every fresh run, so coverage does not depend on pre-loaded counties.
How do teams and integrations work?
Pro is $289 a month with a shared team workspace and pool, unlimited parcel monitoring, and 3 reports included monthly. Portfolio-scale screening (bulk upload, portfolio-wide scoring, API) is available on enterprise plans. SSO and exportable audit logs are on the roadmap.
Can the score drift after origination?
Not silently. Each methodology version is frozen and guarded by golden tests. Any change that moves a score fails the build, and improvements ship as a reviewed new version (the current engine is v2).
Need more than one desk? Bulk scoring
Underwrite with the receipts attached.
Run the collateral address. The verdict takes about 20 seconds, cited end to end.
Free to score · Full report $99 · All 50 states