# Locus CMBS Maturity Wall

> Locus CMBS Maturity Wall is a paid API for AI agents from api.locus.report, paid per call via x402, $0.25/call, status unknown (last checked 2026-10-12).

Returns SEC ABS-EE CMBS debt maturing in 6, 12, 18, and 24 months for a county, grouped by property type and including special-servicer debt

## Facts

- Endpoint: POST https://api.locus.report/api/locus-cmbs-maturity-wall?utm_source=zero.xyz
- Price: $0.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/locus-cmbs-maturity-wall-a223b80c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_OjdYs0oSBaCStL115e2bG

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability locus-cmbs-maturity-wall-a223b80c -d '<json body>'
```

Example prompt: Can you pull the CMBS maturity wall for the county covering 123 Main Street, Chicago, IL — I want to see what commercial mortgage-backed loans are coming due in the next 6, 12, 18, and 24 months, broken out by property type?

## When to prefer this

Use this endpoint when you need structured CMBS maturity exposure data for a specific county, segmented by property type and maturity window, sourced from official SEC ABS-EE filings. Prefer this over generic real estate APIs when the use case involves debt market analysis, refinancing risk assessment, distress signal monitoring, or commercial underwriting research at the county level. It is especially useful for understanding the 'maturity wall' — concentrated debt coming due — which can signal market stress or opportunity.

## Known failure modes

- Neither address nor countyFips provided — request rejected
- Address cannot be resolved to a county FIPS — no results returned
- County has no matching SEC ABS-EE CMBS filings — empty result (does not mean no loans exist)
- FIPS code format invalid — must be exactly 5 digits
- Stale filing data — maturity windows based on last SEC reporting period, not real-time

## How this service works

SEC ABS-EE filings for county public CMBS debt maturing in 6, 12, 18, and 24 months, grouped by property type, plus special-servicer debt. For agents checking a maturity window. Months start at the filing reporting period, not today; no match does not prove there is no loan. npx @velinussage/locus-agent-skill add.

## Output

A structured dataset of SEC ABS-EE CMBS loan maturities grouped by property type for the requested county, segmented into 6-, 12-, 18-, and 24-month maturity buckets from the filing's reporting period, plus special-servicer debt. Note that months are measured from the filing reporting period, not the current date, and a null result does not confirm the absence of a loan.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "address": {
   "type": "string",
   "maxLength": 200,
   "minLength": 5
  },
  "countyFips": {
   "type": "string",
   "pattern": "^\\d{5}$"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "kind": "cmbs_maturity_wall",
  "loans": 1,
  "buckets": {
   "m0_6": {
    "loans": 0,
    "balance": 0
   },
   "m6_12": {
    "loans": 1,
    "balance": 45100000
   },
   "m12_18": {
    "loans": 0,
    "balance": 0
   },
   "m18_24": {
    "loans": 0,
    "balance": 0
   },
   "m24plus": {
    "loans": 0,
    "balance": 0
   },
   "pastMaturity": {
    "loans": 0,
    "balance": 0
   }
  },
  "caveats": [
   "Example artifact; not live data. County figures are as filed and partial, not a complete debt inventory."
  ],
  "charged": true,
  "sourceUrl": "https://www.sec.gov/Archives/edgar/data/1707817/000188852426013923/exh_102.xml",
  "countyFips": "36061",
  "sourceName": "SEC EDGAR ABS-EE Exhibit 102",
  "byPropertyType": {
   "MU": {
    "loans": 1,
    "balance": 45100000
   }
  },
  "currentBalance": 45100000,
  "reportingPeriodEnd": "2026-07-13",
  "specialServicedLoans": 0,
  "leaseBeforeMaturityLoans": 0
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/locus-cmbs-maturity-wall-a223b80c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.locus.report](https://www.zero.xyz/host/api.locus.report/llms.txt)