{"uid":"cap_DZIUsuNugAMtfPCB38_bh","slug":"jtifhcvbgxqwlywugvjv-supabase-co-562602c9","name":"Cortex402 Property Default-Propensity Scorer","description":"Synthetic 12mo default-propensity score per US property — ATTOM-derived signals + optional buyer-supplied credit/DTI/payment-history enrichments. Returns 0-100 score, per-factor breakdown, suggested enrichments, methodology note.","url":"https://jtifhcvbgxqwlywugvjv.supabase.co/functions/v1/cortex402-prenod-score","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"apn":{"type":"string","description":"Assessor parcel number, in the county's canonical format (e.g. \"179-21-611-027\" for Clark, NV)"},"dti":{"type":"number","description":"Optional debt-to-income fraction (e.g. 0.42). >0.43 = QM disqualifier."},"fips":{"type":"string","description":"5-digit county FIPS code (e.g. \"32003\" = Clark, NV; \"06037\" = Los Angeles, CA)"},"address":{"type":"string","description":"Optional alternative to apn+fips — full street address (\"1234 Main St, Austin, TX 78701\")"},"income_type":{"enum":["W2","1099","self"],"type":"string","description":"Optional income type — 1099/self-employed correlate with elevated default vs W2."},"credit_score":{"type":"integer","description":"Optional FICO 300-850. DOMINANT factor when supplied (35% of model weight)."},"months_reserves":{"type":"number","description":"Optional liquid reserves in months-of-payment."},"employment_years":{"type":"number","description":"Optional years at current employer."},"payment_late_12mo":{"type":"integer","description":"Optional # of 30+ day late payments in last 12 months."},"prior_modifications":{"type":"integer","description":"Optional count of prior loan modifications."}}},"responseSchema":null,"example":{"request":{"apn":"179-21-611-027","dti":0.41,"fips":"32003","income_type":"W2","credit_score":680,"months_reserves":3,"employment_years":5,"payment_late_12mo":1,"prior_modifications":0},"response":{"apn":"179-21-611-027","fips":"32003","score":28,"address":"1002 BLUE LANTERN DR, HENDERSON, NV 89015","factors":{"dti":{"score":30,"value":0.41},"altv":{"score":4.318662740165104,"value":0.269916421260319},"equity":{"score":5,"value":398154},"loan_age":{"score":10,"value":329},"loan_type":{"score":20,"value":null},"occupancy":{"score":60,"value":false},"ownership":{"score":null,"value":null},"year_built":{"score":20,"value":null},"income_type":{"score":10,"value":"W2"},"credit_score":{"score":35,"value":680},"refi_count_5y":{"score":5,"value":0},"months_reserves":{"score":45,"value":3},"employment_years":{"score":5,"value":5},"equity_divergence":{"score":null,"value":null},"payment_late_12mo":{"score":50,"value":1},"prior_modifications":{"score":5,"value":0}},"attom_id":19068224,"confidence":1,"fetched_at":"2026-06-06T00:01:48.740Z","receipt_tx":"0x93b6e02916003db1b8086908ae2bf0bb186b61fd9bc91ba68bff604749da9394","request_id":"pn_40fc6e683979407faf81b3","methodology":"Synthetic 12mo default-propensity score 0-100. Weighted composite over ATTOM-derived signals (ALTV, ownership length, occupancy, loan age/type, equity, refi count, equity divergence, property age) AND optional buyer-supplied enrichments (credit_score, dti, months_reserves, payment_late_12mo, prior_modifications, employment_years, income_type). When credit_score supplied, model re-weights — credit dominates at 35%, ATTOM factors compress. Hand-tuned from public mortgage-default research; weights NOT trained on outcome data. Directional signal, not a credit decision (ECOA/Reg B/FCRA apply to caller, not to this score). Back-test 2026-05-16: 100% specificity above threshold 50 on Clark County NOD sample (n=25) vs ATTOM-listed controls.","signal_source":["attom","buyer_supplied"],"weight_schedule":"credit_enriched","suggested_enrichments":[]}},"exampleRequest":{"apn":"179-21-611-027","dti":0.41,"fips":"32003","income_type":"W2","credit_score":680,"months_reserves":3,"employment_years":5,"payment_late_12mo":1,"prior_modifications":0},"tags":["x402"],"displayCostAmount":"0.5","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.5/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.5","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.5","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_NO15Gujs7cRGDg5KajQdq","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.5","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns a 0-100 synthetic 12-month mortgage default-propensity score for a US property, with per-factor breakdown and optional borrower enrichment inputs.","exampleAgentPrompt":"What's the 12-month default-propensity score for APN 179-21-611-027 in Clark County, NV (FIPS 32003)? The borrower has a 680 FICO, a 0.41 DTI, W2 income, 3 months reserves, 5 years at their employer, 1 late payment in the last year, and no prior loan modifications.","exampleUseCases":null,"resultDescription":"A JSON object containing a 0-100 default-propensity score (higher = higher risk), a breakdown of contributing factors with individual weights or contributions, a list of suggested additional enrichments that could improve model accuracy, and a methodology note explaining how the score was derived from ATTOM property signals and any borrower-supplied inputs.","failureModes":["APN not found in ATTOM database — returns error or null score","Invalid or mismatched FIPS code and APN combination — lookup failure","Address geocoding failure if address used instead of APN+FIPS","Credit score out of range (not 300-850) — validation error","Missing both APN+FIPS and address — required input error","DTI above 0.43 flagged as QM disqualifier but still scored","Payment timeout if ATTOM data service is slow"],"whenToPreferThis":"Use this endpoint when you need a property-level mortgage default risk score anchored to ATTOM's US property database, especially when you have borrower-level signals (credit score, DTI, payment history) to enrich the model. Prefer this over generic credit scoring when the property itself is a key risk variable and you want a combined property+borrower default propensity with explainable factor breakdown.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:33:24.145Z","isFirstParty":false}