One POST request returns bank_score 0–100, structured rejection flags, flood LTV guidance and cadastral status — for any address across 16 European countries. Replaces 30–45 minutes of manual underwriting.
POST the property address, country code and API key. The API geocodes and queries all data sources in parallel.
02
Multi-source check in parallel
Seismic (AMCCRS/INGV/NOA), cadastral (ANCPI/Catastro/CUZK), flood (Copernicus EFAS) and building age checked simultaneously. ~3 seconds total.
03
Structured decision output
bank_score 0–100, grade A–F, lendable boolean, rejection_flags with severity and underwriter action text. Slots into your existing workflow.
Rejection Flags
HARD
RS1_HARD_REJECT
→ Decline. Rs I seismic — bank mortgage not available
HARD
CADASTRAL_UNREGISTERED
→ Decline until cadastral registration complete
SOFT
RS2_CONDITIONAL
→ LTV ≤ 60% + seismic insurance required
SOFT
HIGH_FLOOD_RISK
→ Mandatory flood insurance + LTV ≤ 70%
SOFT
BUILDING_AGE_HIGH
→ Structural survey required (>80 years)
SOFT
EXISTING_ENCUMBRANCE
→ Verify discharge before completion
SOFT
ITALY_ZONA1
→ Verify building year + seismic retrofit status
SOFT
RESTITUTION_RISK
→ Legal opinion on title clarity required
Pricing
Starter
€0.50/ call
min €500/mo · up to 1,000 calls/day
All 16 countries
All rejection flags
Email support
99.5% SLA
Growth ✦ Most popular
€0.30/ call
min €1,500/mo · up to 5,000 calls/day
All 16 countries
LTV guidance included
Slack/Teams support
99.9% SLA
Enterprise
€0.15/ call
Custom · Unlimited calls/day
Dedicated infrastructure
Custom countries on request
Account manager + SLA contract
99.95% SLA
Free 90-Day Pilot
For qualified mortgage institutions. No commitment. We integrate directly with your intake system. Production API access, full support, zero cost for 90 days.