Mortgage risk, in 500 milliseconds.
Replace the 3-to-5-day property survey with a sub-second API call. Pull the Lucen Score™ at application, underwriting, or renewal — and feed a 50-signal property risk profile straight into your loan origination system.
Faster decisions. Fewer surprises. Lower survey spend.
Where the score fits.
Application
Pull the Lucen Score™ the moment an address is entered. Score-based routing to underwriting queues or instant-decision flows.
Underwriting
Surface the 11 sub-indices, top concerns, and source citations directly in your underwriter workbench — Encompass, Byte, or custom.
Portfolio monitoring
Webhook fires when a serviced property's score drops by a threshold you set. Proactive loss mitigation before default.
Back-testing
Historical scores API. Back-test the methodology against your default history before go-live. Validate correlation before integrating.
Custom weights
Your risk team tunes weights for your book. We rescore on the fly via the /v1/score/custom endpoint. Your model, our data.
Bulk scoring
POST 100K addresses, receive scored results via webhook or S3. For refinance targeting, portfolio review, or batch underwriting.
30 days. 100 free calls. Your loss history vs. our scores.
Send us a back-test file
Anonymized addresses from past originations with loss outcomes. We score every address as of your origination date.
Validate correlation
Your risk team reviews correlation between Lucen Score™ and actual loss. Most partners see a clear signal in the first week.
Deploy to production
We co-implement with your engineering team. API keys, custom weights, dedicated CSM. Contract starts at $25K/year.
Built for regulated workflows.
From survey to API call.
Replace the slowest, most expensive step in your origination flow with a 500ms endpoint.