Now live in NYC · 2.1M units scored

The credit score
for apartments.

Lucen turns HPD violations, DOB filings, ACRIS liens, climate risk, and 11 other signals into a single explainable score — so renters, buyers, lenders, and insurers know the real risks before money moves.

$12.99 per renter report No signup to preview Every number is traceable
Powered by official public data · Covering every NYC residential building
The transparency gap

Every housing decision runs on incomplete data.

Cars have CARFAX. People have FICO. Apartments have nothing. Across 33 million annual rental, purchase, mortgage, and insurance decisions, the people paying don't see what's hiding in the building.

10.1M
Annual renter moves, committing $4,600–$15,000 in moving costs sight-unseen.
Census / FRED 2025
4.6M
U.S. home sales each year. Median buyer spends $412K on a property with no credit score.
NAR / Census 2026
5.8M
New mortgages annually. Property surveys still take 3–5 days and cost $500+.
MBA 2026 forecast
6M+
New insurance policies each year, priced on fragmented condition data.
Industry estimate
How it works

Three steps from address to decision.

Type an address. We assemble 50+ data points from official sources into one explainable score. Every number clicks through to its primary source with a timestamp — so you can verify before you trust.

1

Aggregate

We pull from HPD, DOB, ACRIS, PLUTO, 311, NYPD, FEMA, EPA, Census, and 8 more official sources — refreshed nightly.

  • Unit-level granularity
  • Timestamped every fetch
  • Immutable audit log
2

Score

11 weighted sub-indices feed one 0–100 Lucen Score™ with a published methodology and a confidence band.

  • Explainable weights
  • Versioned methodology
  • Fair-housing audited
3

Decide

Get a report in seconds. Walk away, negotiate, buy, lend, or insure — with evidence, not vibes.

  • Plain-language verdict
  • Top 3 concerns surfaced
  • Every claim sourced
The 11 sub-indices

Every signal that actually matters.

The Lucen Score™ is a weighted composite of eleven sub-indices. Click any of them in a full report to see the raw data, the source, and the date it was last refreshed.

HPD
84
Housing Preservation violations, complaints, harassment findings.
DOB
89
Building compliance, elevator, boiler, and facade history.
Safety
56
NYPD precinct-weighted crime index, by proximity and severity.
Risk
60
FEMA flood, EPA air, climate peril exposure composite.
Price
81
Price per square foot vs. building, neighborhood, and city.
Transit
95
Subway, rail, bike, walk — measured, not estimated.
Education
90
School quality weighted by distance and grade level relevance.
Infrastructure
80
Hospitals, parks, shopping, and essential services proximity.
Amenities
75
Laundry, elevator, storage, pets, rooftop, accessibility.
Noise
67
311-derived noise model plus geospatial source proximity.
Air Quality
83
EPA AQI, industrial source proximity, traffic pollution.
See all 11
→
Full methodology with weights, formulas, and sources.
Inside a real report

Every finding has a source.

This is an actual report excerpt for a Brooklyn co-op. No marketing fluff — just evidence, citations, and a clear verdict.

657 East 26th Street, Unit 3U
Brooklyn, NY 11210 · BIN 3121585 · Block 5247 Lot 6
Lucen Score
87 / 100
Top concerns (auto-extracted)
01
Elevator may need repair within 24 months
DOB violations · filed 2024 · source
02
Moderate crime index in NYPD 70th precinct
NYPD CompStat · Q4 2025 · source
03
Heat-wave exposure elevated (84.4 percentile)
FEMA National Risk Index · 2025 · source
Year built1940
TypeCo-op · Brick · 6 floors · 113 units
HOA$570 / month
Last sale (3U)$220,000 · Oct 2023
Rent comp1-bed typical $3,103
Methodologyv1.0.0
Built for the whole market

One score. Five decisions.

The same Lucen Score™ powers different workflows — priced for the decision at stake.

For Renters · $12.99

Don't move into a building with hidden problems.

You have $4,600–$15,000 at stake in moving costs and a 12-month lease. Listings show photos; Lucen shows violations, complaints, harassment history, and the actual risk of heat failure, pest infestations, and elevator outages.

1

Mobile-first, 2 seconds to score

Apple Pay checkout. Report in 10 seconds. Read it on the subway.

2

Compare 3 buildings side by side

Bundle for $29.99 — because nobody sees just one apartment.

3

Alerts before your lease starts

New HPD violation filed? We'll tell you before you move in.

247 BROADWAY · NYC 10007
Unit 4B
45
OF 100
Concerning
28 open HPD violations, 3 recent harassment findings, elevated heat-failure risk.
For Buyers · $49–$149

Don't buy a building that hits you with a $50K assessment in year 2.

Home inspections cover the apartment. Lucen covers the building: upcoming boiler replacements, facade orders, elevator histories, HOA red flags, and title/lien status before the offer.

1

Full diligence in 10 minutes

What your inspector misses. What your agent won't volunteer.

2

Title & lien summary included

ACRIS records, mortgages, liens, ownership history in one view.

3

Unlimited 30-day pass

$149 for 30 days of unlimited reports while you actively shop.

PARK SLOPE · BROOKLYN
Brownstone · 4-unit
72
OF 100
Fair
Facade inspection due 2026. 3 open DOB violations. Title clear.
For Agents · $39–$249 / month

Win more listings. Save 3 hours per deal.

Unlimited branded reports you can share with clients. Lead capture on every share. No credits, no caps — usage-positive pricing designed for agents who actually work listings.

1

Unlimited reports — period

Run every comp, every showing prep, every client package. One flat price.

2

Your brand on every report

Logo, colors, contact info. Lead capture routes buyers straight to your CRM.

3

AI document co-pilot

Upload inspection reports, condo docs, disclosures. Get a summary in seconds.

AGENT DASHBOARD
This month's activity
REPORTS RUN
47
LEADS CAPTURED
12
HOURS SAVED
~18
LISTINGS WON
3
For Enterprise · $25K+ / year

Embed Lucen Score™ into your underwriting workflow.

One REST API. Score, report, monitoring, bulk scoring, custom weights. Built for lenders, insurers, investment funds, and property managers who need speed, consistency, and auditability.

1

Sub-second score API

GET /v1/score?address=... returns a full scored report under 500ms p99.

2

Historical score back-testing

Validate the model against your loss history before integration.

3

SOC 2 Type II · 99.95% SLA

Enterprise contracts include dedicated CSM and custom weighting.

# Get a Lucen Score for any address curl https://api.lucen.ai/v1/score \ -H "Authorization: Bearer sk_live_..." \ -G --data-urlencode \ "address=657 E 26th St, Brooklyn" # Returns { "lucen_score": 87, "confidence_band": 3, "methodology_version": "1.0.0", "sub_indices": { ... }, "sources": { ... } }
Why now

The market is ready. The data wasn't.

City open-data programs, federal climate APIs, and large language models make today the first moment this product is buildable at consumer prices.

$1.5B
U.S. TAM
Property intelligence across renters, buyers, agents, lenders, insurers.
33M
Decisions / year
U.S. rental, purchase, mortgage, and insurance events — each a Lucen Score use case.
15%
PropTech CAGR
Fastest-growing vertical in real estate, with AI-native entrants displacing incumbents.
0
Competitors
With a unified consumer-facing property score serving every segment at once.
Trust architecture

Built for when the decision really matters.

Insurers, lenders, and courts can't act on black boxes. Neither should you. Every score in Lucen is source-traceable, date-stamped, and method-versioned — by design, not policy.

Source-traceable

Every data point clicks through to its primary source with a timestamp. No aggregated opaque feeds.

Method-versioned

Every report stamps the methodology version used. Changes publish to the changelog — not silently applied.

Fair-housing audited

No protected-class inputs. Quarterly third-party bias audits. Results published in the methodology.

SOC 2 Type II GDPR Ready CCPA Compliant USPTO Trademark (Pending) TLS 1.3
Questions

Everyone asks these.

How is the Lucen Score™ calculated?
A weighted composite of 11 sub-indices — HPD, DOB, safety, risk, price, transit, education, infrastructure, amenities, noise, and air quality. Weights differ by report type (rental vs. purchase vs. insurance). Full formula is published on the methodology page and versioned semantically.
Where does the data come from?
Official public sources: NYC Open Data (HPD, DOB, ACRIS, PLUTO, 311), FEMA, EPA, U.S. Census, NYPD CompStat, NYC DOF. Every field in every report cites its source and the date it was last fetched. We refresh nightly from most sources.
Is this a tenant-screening product?
No. Lucen.ai reports are never sold for tenant screening, credit decisions, or employment decisions. Our terms of service explicitly prohibit that use. If you're a landlord looking for tenant screening, this isn't the product for you.
How do you avoid fair-housing issues?
The methodology never uses protected-class inputs (race, national origin, religion, disability, familial status, gender identity, sex, or source of income). ZIP code is a geographic reconciliation key, not a scoring input. Quarterly third-party bias audits test for disparate impact and results are published.
What cities do you cover?
Full depth: New York City (all 5 boroughs, every residential building). Expanding to the NYC metro (Westchester, Long Island, Northern NJ) next quarter, then Chicago, Boston, Philadelphia, LA, SF, Seattle, DC, Miami, and Austin through 2027.
What if I think a score is wrong?
Every property page has a dispute link. Submit evidence (e.g., a resolved violation not yet reflected in the HPD feed) and we triage within 5 business days. Valid corrections trigger an immediate rescore, and all disputes are logged for audit.
Do I need an account to preview?
No. You can see the score, the sub-index breakdown, and the top 3 concerns for any address without signing up. An account is only needed to purchase the full report or subscribe to alerts.
Start

Run your first report free.

Enter any NYC address. See the Lucen Score™, the sub-index breakdown, and the top 3 concerns — no signup required.

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