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Cortex402 Property Default-Propensity Scorer
x402
Cortex402 Property Default-Propensity Scorer is a paid API for AI agents from jtifhcvbgxqwlywugvjv.supabase.co, paid per call via x402, $0.5/call, status unknown (last checked 2026-09-15).
Returns a 0-100 synthetic 12-month mortgage default-propensity score for a US property, with per-factor breakdown and optional borrower enrichment inputs.
Price / call$0.5
Success—
StatusUnknown
How this service works
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.
Output
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.
Example use cases
Example prompt
“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.”
Technical details
Endpoint
POSThttps://jtifhcvbgxqwlywugvjv.supabase.co/functions/v1/cortex402-prenod-scoreWhen to prefer
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.
Side effects
- 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
Input
{
"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
}Schema · Request body
| Field | Type | Description |
|---|---|---|
| apn | string | Assessor parcel number, in the county's canonical format (e.g. "179-21-611-027" for Clark, NV) |
| dti | number | Optional debt-to-income fraction (e.g. 0.42). >0.43 = QM disqualifier. |
| fips | string | 5-digit county FIPS code (e.g. "32003" = Clark, NV; "06037" = Los Angeles, CA) |
| address | string | Optional alternative to apn+fips — full street address ("1234 Main St, Austin, TX 78701") |
| income_type | string | Optional income type — 1099/self-employed correlate with elevated default vs W2. |
| credit_score | integer | Optional FICO 300-850. DOMINANT factor when supplied (35% of model weight). |
| months_reserves | number | Optional liquid reserves in months-of-payment. |
| employment_years | number | Optional years at current employer. |
| payment_late_12mo | integer | Optional # of 30+ day late payments in last 12 months. |
| prior_modifications | integer | Optional count of prior loan modifications. |
Output
{
"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": []
}Tags
x402
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