---
title: "Does a public CMBS loan sit on this commercial property, and when does it mature?"
method: POST
path: "/api/locus-cmbs-loan-context"
tags: ["commercial-property", "cmbs", "loan", "maturity", "sec", "public-records", "x402", "category:economics"]
---

# Does a public CMBS loan sit on this commercial property, and when does it mature?

`POST /api/locus-cmbs-loan-context`

## Request

- Base URL: `https://api.locus.report`
- URL: `https://api.locus.report/api/locus-cmbs-loan-context`
- Auth: one of:
  - API key in header `PAYMENT-SIGNATURE`
  - API key in header `Authorization`

When does the public CMBS loan on this commercial property mature, and is it with a special servicer? Returns the filed maturity date, debt coverage, occupancy, and largest lease expirations, from SEC ABS-EE filings. Registered CMBS only; no match does not prove there is no loan. npx @velinussage/locus-agent-skill add.

## Request body

- object
  - `address` string, required: US commercial street address with ZIP5; exact filed address first, then a bounded nearby-point check.

## Response `200`

Successful paid artifact, or a free pre-charge diagnostic when the request is outside current coverage.

- union
  - object
    - `kind` 'cmbs_loan_context', required
    - `charged` true, required
    - `reportingPeriodEnd` string, required
    - `properties` object[], required
    - `caveats` string[], required
  - object
    - `reason` 'not_loaded' | 'no_match' | 'out_of_coverage' | 'unavailable', required
    - `charged` false, required
    - `caveats` string[], required
    - `kind` 'cmbs_loan_context_diagnostic', required

## Other responses

- `400`: Invalid request body.
- `402`: Payment Required. For x402 v2, repeat the identical request with a valid PAYMENT-SIGNATURE header (legacy X-PAYMENT is accepted for compatibility), or use Authorization: Payment for MPP Tempo when advertised in x-payment-info.offers.

---

[API](https://skmtc.dev/locus/apis/locus-api.md) · [All operations](https://skmtc.dev/locus/apis/locus-api/llms.txt) · [OpenAPI document](https://skmtc.dev/locus/apis/locus-api/revisions/ba7786b74adb?raw)