CII TerminalCare Infrastructure Intelligence · model v1.2
pilot · 57,950 facilities
LIVE SIGNALS
ENFELITE PERSONALIZED CARE OF TEXAS LLCTX · 2026-08-08 · HHSC: ENFORCEMENT ACTION PENDENFWE CARE PROVIDER, PLLCTX · 2026-08-04 · HHSC: closure noticeENFAXIS HEALTHCARE LLCTX · 2026-08-04 · HHSC: ENFORCEMENT ACTION PENDENFCENTEX CAREGIVERS LLCTX · 2026-08-01 · HHSC: closure noticeENFPROVIDENCE PERSONAL ASSISTANCE SERVICES INCTX · 2026-07-31 · HHSC: closure noticeENFSWIFT RESPONSE INCTX · 2026-07-31 · HHSC: ENFORCEMENT ACTION PENDENFRGV GUARDIANS OF CARE LLCTX · 2026-07-31 · HHSC: ENFORCEMENT ACTION PENDENFDOVE HOSPICE CARE LLCTX · 2026-07-28 · HHSC: closure noticeENFCHRIST HOME CARE LLCTX · 2026-07-24 · HHSC: closure noticeENFAMOR CURA PHC LLCTX · 2026-07-24 · HHSC: closure noticeENFKINDER HEALTHCARE SOLUTIONS LLCTX · 2026-07-20 · HHSC: closure noticeENFSUPREME TOUCH HEALTHCARE SERVICES LLCTX · 2026-07-20 · HHSC: closure noticeENFSAMNENAA CARE, INCTX · 2026-07-19 · HHSC: closure noticeENFINDEPENDENCE CARE OF TEXAS LLCTX · 2026-07-18 · HHSC: ENFORCEMENT ACTION PENDMOVECrouse Community Center Inc+98.5NY · composite 0.0 → 98.5MOVEHOME INSTEAD-92.9FL · composite 98.3 → 5.4MOVEHOMEWELL CARE SERVICES-92.0FL · composite 98.3 → 6.3MOVEHOME INSTEAD-90.9FL · composite 97.2 → 6.3MOVEHOME HEART FLORIDA-90.3FL · composite 97.7 → 7.4MOVEVITALCARING GROUP-87.7FL · composite 98.1 → 10.4MOVESENIOR CARE SOLUTIONS-87.6FL · composite 90.6 → 3.0MOVERIGHT AT HOME-85.6FL · composite 93.8 → 8.2EXITSCANDINAVIAN HOME INC54.7%RI · p(termination 12m)EXITBEADLES NEW BEGINNINGS37.9%OK · p(termination 12m)EXITBlue Valley Lutheran Nursing Home36.5%NE · p(termination 12m)EXITPRESBYTERIAN HOME FOR CENTRAL NEW YORK INC35.1%NY · p(termination 12m)CHOWBEARTOOTH REHABILITATION AND NURSING LLC76.9%MT · p(sale 12m)CHOWStonehaven Senior Living39.4%CA · p(sale 12m)CHOWAvoyelles Manor Nursing Home31.6%LA · p(sale 12m)CHOWKIT CARSON NURSING & REHABILITATION CENTER30.5%CA · p(sale 12m)ENFELITE PERSONALIZED CARE OF TEXAS LLCTX · 2026-08-08 · HHSC: ENFORCEMENT ACTION PENDENFWE CARE PROVIDER, PLLCTX · 2026-08-04 · HHSC: closure noticeENFAXIS HEALTHCARE LLCTX · 2026-08-04 · HHSC: ENFORCEMENT ACTION PENDENFCENTEX CAREGIVERS LLCTX · 2026-08-01 · HHSC: closure noticeENFPROVIDENCE PERSONAL ASSISTANCE SERVICES INCTX · 2026-07-31 · HHSC: closure noticeENFSWIFT RESPONSE INCTX · 2026-07-31 · HHSC: ENFORCEMENT ACTION PENDENFRGV GUARDIANS OF CARE LLCTX · 2026-07-31 · HHSC: ENFORCEMENT ACTION PENDENFDOVE HOSPICE CARE LLCTX · 2026-07-28 · HHSC: closure noticeENFCHRIST HOME CARE LLCTX · 2026-07-24 · HHSC: closure noticeENFAMOR CURA PHC LLCTX · 2026-07-24 · HHSC: closure noticeENFKINDER HEALTHCARE SOLUTIONS LLCTX · 2026-07-20 · HHSC: closure noticeENFSUPREME TOUCH HEALTHCARE SERVICES LLCTX · 2026-07-20 · HHSC: closure noticeENFSAMNENAA CARE, INCTX · 2026-07-19 · HHSC: closure noticeENFINDEPENDENCE CARE OF TEXAS LLCTX · 2026-07-18 · HHSC: ENFORCEMENT ACTION PENDMOVECrouse Community Center Inc+98.5NY · composite 0.0 → 98.5MOVEHOME INSTEAD-92.9FL · composite 98.3 → 5.4MOVEHOMEWELL CARE SERVICES-92.0FL · composite 98.3 → 6.3MOVEHOME INSTEAD-90.9FL · composite 97.2 → 6.3MOVEHOME HEART FLORIDA-90.3FL · composite 97.7 → 7.4MOVEVITALCARING GROUP-87.7FL · composite 98.1 → 10.4MOVESENIOR CARE SOLUTIONS-87.6FL · composite 90.6 → 3.0MOVERIGHT AT HOME-85.6FL · composite 93.8 → 8.2EXITSCANDINAVIAN HOME INC54.7%RI · p(termination 12m)EXITBEADLES NEW BEGINNINGS37.9%OK · p(termination 12m)EXITBlue Valley Lutheran Nursing Home36.5%NE · p(termination 12m)EXITPRESBYTERIAN HOME FOR CENTRAL NEW YORK INC35.1%NY · p(termination 12m)CHOWBEARTOOTH REHABILITATION AND NURSING LLC76.9%MT · p(sale 12m)CHOWStonehaven Senior Living39.4%CA · p(sale 12m)CHOWAvoyelles Manor Nursing Home31.6%LA · p(sale 12m)CHOWKIT CARSON NURSING & REHABILITATION CENTER30.5%CA · p(sale 12m)
AS OF 2026-08-08 14:35 UTC
Screener / 335427
D

ONEIDA HEALTH REHABILITATION AND EXTENDED CARE

snfNY
323 GENESEE STREET, ONEIDA, NY 13421 · CCN 335427
Composite
86.9 / 100 percentile
Peer group
snf n = 14,684
Evidence depth
moderate
Certified beds
160
Model
v1.2
Reads as: riskier than 86.9% of the 14,684 facilities in the snf peer group. percentile within peer group, 100 = highest risk. Grade bands are fixed percentile cuts (F is the top 5% of peer risk), so a grade is a position, not an absolute level.

Composite explanation

3
ComponentPercentileRawWeightWeight shareContributionCounts
billing conduct81.053.60.300.400032.40in index
regulatory risk73.168.90.300.400029.24in index
chow risk14.124.30.150.20002.82in index
weighted_contribution sums to pre_rank_index over rows where counts_toward_index is true. The composite is the facility's percentile position of that index within its peer group, so contributions explain the input, and the rank explains the score.

Component scores and registry models

7
Score typeScoreGradeModelStatusRegistry model notes
billing conduct53.6Cv0.1-pacpuf-snfdefault · in compositeR22. PAC PUF SNF 2023. PDPM coding intensity vs acuity, stay length, charge markup.
chow risk24.3Av0.1-posdefault · in compositeChange-of-ownership footprint in the CMS Provider of Services file: control-family, legal-name and address deltas across quarterly snapshots, plus certification reset recency and Medicare tenure.
p adverse action 12m0.6v0.1default · in compositeR23/W4-3. Deterministic logistic p(Medicare termination within 12m), SNF only. Label = first POS termination date (any code: voluntary closure, involuntary termination, merger exit); facilities already terminated by the panel date are excluded, not counted as safe. Trained on panels 2024-07/2024-10/2025-01 (n=46,466, 283 positives), evaluated on the held-out later panel 2025-04 BEFORE shipping: AUC 0.971, top-decile lift 9.5x, top-decile capture 95.4% of the 65 terminations that followed. Separability is high because closures announce themselves in the data: collapsing occupancy is the strongest signal, and the learned NEGATIVE weight on 12m deficiency counts is the surveys-stop signature of a facility winding down, not a claim that clean inspections are dangerous. Same 15 as-of-date features and anti-leakage chassis as p_chow_12m; SFF entry rejected as a label (only one month of SFF history exists, so as-of transitions cannot be reconstructed). Score = probability x 100; grade NULL. Not in any composite.
p chow 12m0.3v0.1default · in compositeR22/W4-2. Deterministic logistic p(CHOW within 12m), SNF only. Trained on panels 2024-07/2024-10/2025-01 (n=50,700, 1,207 positives), evaluated on the held-out later panel 2025-04 BEFORE shipping: AUC 0.874, top-decile lift 5.0x (top 10% of predictions captured 49.6% of the CHOWs that actually closed in the next 12 months). Shipped coefficients are the evaluated ones; no post-holdout refit. Caveat: holdout positives (133) run below the training base rate because recent CHOWs surface in public records with a lag, so measured lift is conservative. Features are as-of-date public records: PBJ staffing level/trend/contract share (quarterly history to 2022Q1), deficiency and CMP counts (12m), ownership tenure and churn from CHOW-evidenced transactions, beds, occupancy, ownership type, chain size. Chain membership and ownership type are current-state (history not published). SFF and star ratings deliberately excluded (no as-of history). Notable learned direction: long ownership tenure RAISES sale odds and a recent prior CHOW lowers them. Score = probability x 100; grade is NULL because a probability is not a quality letter. Not in any composite.
regulatory risk68.9Dv0.3default · in compositeDeficiency-based, SNF population. Runs alongside v0.5-pos.
regulatory risk68.7Dv0.1supersededPre-registry model iteration, superseded by a later regulatory_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity.
regulatory risk68.7Dv0.2supersededPre-registry model iteration, superseded by a later regulatory_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity.
Rows with counts_toward_composite false come from models that are addressable or retracted rather than default. They exist and may be informative, but they did not enter the published composite and must not be summed as though they had.

CHOW radar — 12-month sale probability

full board →
p(CHOW, 12m)
0.3%
model v0.1 · computed 2026-07-29
Percentile among SNFs
44.9
100 = most likely to sell
Holdout AUC
0.874
evaluated before shipping, never refit
DriverValuePull on odds
For-profit ownership0.00-1.24
Occupancy0.93-0.66
Never sold on record1.00+0.62
Current owner tenure (years)25.00+0.57
No PBJ staffing report0.00+0.42
Chain size (log)0.00-0.40
Ownership changes, last 5 years0.00+0.20
Facility size (log beds)5.08-0.11
p_adverse_action_12m: probability the facility's Medicare participation terminates within 12 months (any POS termination code; already-terminated facilities are excluded, not scored safe). Deterministic logistic over as-of-date public records, SNF only. Holdout (2025-04 panel, evaluated before shipping): AUC 0.971, top-decile lift 9.5x. Closures announce themselves: collapsing occupancy dominates, and fewer recent surveys is a winding-down signature. inputs.features holds raw feature values, inputs.contributions each feature's standardized pull on the log-odds. Predictions never enter the composite. See /v1/models. | p_chow_12m: probability of a change of ownership within 12 months. Deterministic logistic over as-of-date public records, SNF only. Holdout (2025-04 panel, evaluated before shipping): AUC 0.874, top-decile lift 5.0x. inputs.features holds raw feature values, inputs.contributions each feature's standardized pull on the log-odds. Predictions never enter the composite. See /v1/models for full notes.

Distress radar — 12-month termination probability

full board →
p(termination, 12m)
0.6%
model v0.1 · computed 2026-07-29
Percentile among SNFs
76.8
100 = most likely to lose certification
Holdout AUC
0.971
top decile caught 95% of actual exits
DriverValuePull on odds
For-profit ownership0.00+1.62
Chain size (log)0.00+1.20
Occupancy0.93-0.74
No PBJ staffing report0.00+0.39
Deficiencies, last 12 months9.00-0.24
Fine amount, 12m (log)0.00+0.18
Facility size (log beds)5.08-0.15
Never sold on record1.00+0.12
Probability the facility's Medicare participation ends within 12 months, from public records only. Red bars raise exit odds. A negative pull from deficiencies is the winding-down signature — surveys stop as a facility empties — not evidence that clean inspections are dangerous.

Staffing vs peers

13
2025Q3 HPRDThis facilityNY medianNational medianNational p25–p75
Total nurse3.063.333.282.90–3.77
RN0.440.430.390.25–0.58
Weekend total2.683.033.11
Weekday total3.213.443.35
QuarterDaysAvg censusTotal HPRDRNLPNCNAWeekendContract %
2025Q392148.03.060.440.841.782.686.2%
2025Q291142.93.210.430.831.952.804.7%
2025Q190140.23.210.450.831.942.775.5%
2024Q492134.03.130.390.901.842.774.2%
2024Q392128.63.140.270.921.952.873.3%
2024Q291129.43.120.370.911.842.862.1%
2024Q191127.82.900.340.851.712.730.5%
2023Q492116.93.520.410.992.133.140.0%
2023Q392114.23.220.460.881.892.900.0%
2023Q291100.73.310.490.951.862.940.0%
2023Q19097.13.290.511.001.793.020.0%
2022Q492106.53.060.440.941.672.770.3%
2022Q19097.63.880.331.192.373.370.0%
HPRD is census-weighted: total hours over the quarter divided by total resident-days, not an average of daily ratios. Source is CMS Payroll-Based Journal daily records; only SNFs report PBJ, so other settings legitimately return zero rows.

Penalties

1
DateTypeFineSource
2025-04-25Fine$16,153CMS provider data
Total fines on record: $16,153

Deficiencies

26
C × 1D × 19E × 5J × 1
deficiencies by survey year
1582223242526
SurveyTypeTagDeficiencyScopeCorrected
2026-01-27HealthF0578Honor the resident's right to request, refuse, and/or discontinue treatment, to participate in or refuse to participate in experimental research, and to formulate an advance directive.D2026-03-20
2026-01-27Health · complaintF0580Immediately tell the resident, the resident's doctor, and a family member of situations (injury/decline/room, etc.) that affect the resident.D2026-03-20
2026-01-27HealthF0656Develop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured.D2026-03-20
2026-01-27HealthF0684Provide appropriate treatment and care according to orders, resident’s preferences and goals.D2026-03-20
2026-01-27HealthF0686Provide appropriate pressure ulcer care and prevent new ulcers from developing.D2026-03-20
2026-01-27Health · complaintF0689Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.D2026-03-20
2026-01-27HealthF0690Provide appropriate care for residents who are continent or incontinent of bowel/bladder, appropriate catheter care, and appropriate care to prevent urinary tract infections.D2026-03-20
2026-01-27HealthF0692Provide enough food/fluids to maintain a resident's health.D2026-03-20
2026-01-27HealthF0812Procure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards.E2026-03-20
2025-04-25Health · complaintF0578Honor the resident's right to request, refuse, and/or discontinue treatment, to participate in or refuse to participate in experimental research, and to formulate an advance directive.J2025-04-15
2024-04-12HealthF0582Give residents notice of Medicaid/Medicare coverage and potential liability for services not covered.C2024-05-30
2024-04-12HealthF0583Keep residents' personal and medical records private and confidential.D2024-05-30
2024-04-12HealthF0656Develop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured.D2024-05-30
2024-04-12HealthF0677Provide care and assistance to perform activities of daily living for any resident who is unable.E2024-05-30
2024-04-12HealthF0679Provide activities to meet all resident's needs.D2024-05-30
2024-04-12HealthF0684Provide appropriate treatment and care according to orders, resident’s preferences and goals.D2024-05-30
2024-04-12Health · complaintF0686Provide appropriate pressure ulcer care and prevent new ulcers from developing.D2024-05-30
2024-04-12HealthF0695Provide safe and appropriate respiratory care for a resident when needed.D2024-05-30
2024-04-12HealthF0725Provide enough nursing staff every day to meet the needs of every resident; and have a licensed nurse in charge on each shift.E2024-05-30
2024-04-12HealthF0760Ensure that residents are free from significant medication errors.D2024-05-30
2024-04-12HealthF0791Provide or obtain dental services for each resident.D2024-05-30
2024-04-12HealthF0804Ensure food and drink is palatable, attractive, and at a safe and appetizing temperature.D2024-05-30
2024-04-12HealthF0812Procure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards.D2024-05-30
2024-04-12HealthF0880Provide and implement an infection prevention and control program.E2024-05-30
2024-04-12HealthF0925Make sure there is a pest control program to prevent/deal with mice, insects, or other pests.E2024-05-30
2022-01-25HealthF0582Give residents notice of Medicaid/Medicare coverage and potential liability for services not covered.D2022-02-18
scope_severity uses the CMS letter grid: A is least serious, L most. J, K and L are immediate jeopardy. Rows are the surveyor's findings of record, not the model's opinion.

Licensure actions

0
No licensure actions on record for this facility. Absence of a record here means the sources CII ingests contain none, not that none exists anywhere.

Ownership

22
OwnerRolePctFromStatusSource
BACH, JANICECORPORATE DIRECTOR2013-01-01currentpecos_ownership
BELL, NADINECORPORATE DIRECTOR2012-01-01currentpecos_ownership
DUGAN, CHRISCORPORATE DIRECTOR2023-09-01currentpecos_ownership
HEDGLON, PETERCORPORATE DIRECTORcurrentpecos_ownership
KALLET, MICHAELCORPORATE DIRECTORcurrentpecos_ownership
KOERNIG, FELISSACORPORATE DIRECTOR2023-09-01currentpecos_ownership
POTTER, STEVENCORPORATE DIRECTOR2005-01-01currentpecos_ownership
RATNARAJAH, DANIELCORPORATE DIRECTOR2009-01-01currentpecos_ownership
SCHAAL, TODDCORPORATE DIRECTOR2023-09-01currentpecos_ownership
SWEET, JEREMIAHW-2 MANAGING EMPLOYEE2017-07-31currentpecos_ownership
WELLS, MARGARETCORPORATE DIRECTOR2023-09-01currentpecos_ownership
CHRIS DUGANCORPORATE DIRECTOR0%2023-09-01ended 2026-05-18pecos_ownership
DANIEL RATNARAJAHCORPORATE DIRECTOR0%2009-01-01ended 2026-05-18pecos_ownership
FELISSA KOERNIGCORPORATE OFFICER0%2023-09-01ended 2026-05-18pecos_ownership
JANICE BACHCORPORATE DIRECTOR0%2013-01-01ended 2026-05-18pecos_ownership
MARGARET WELLSCORPORATE DIRECTOR0%2023-09-01ended 2026-05-18pecos_ownership
MICHAEL KALLETCORPORATE DIRECTOR0%ended 2026-05-18pecos_ownership
NADINE BELLCORPORATE DIRECTOR0%2012-01-01ended 2026-05-18pecos_ownership
PETER HEDGLONCORPORATE DIRECTOR0%ended 2026-05-18pecos_ownership
STEVEN POTTERCORPORATE DIRECTOR0%2005-01-01ended 2026-05-18pecos_ownership
TODD SCHAALCORPORATE DIRECTOR0%2023-09-01ended 2026-05-18pecos_ownership
JEREMIAH SWEETW-2 MANAGING EMPLOYEE2017-07-31ended 2026-05-18pecos_ownership
PECOS ownership and managing-control associations. Current edges have no end date in the source; historical edges are retained.

Transactions

0
No transactions on record for this facility. Absence of a record here means the sources CII ingests contain none, not that none exists anywhere.

Comparable trades — NY snf

12
CloseFacilityPrice$/bedCap rateBedsBuyer
2024-06-01PINE FOREST CARE CENTER FOR REHAB & HEALTHCARE76HILAIRE CARE NETWORK LLC
2024-05-17Fairport Rehabilitation and Nursing Center196FAIRPORT SNF LLC
2024-05-09MARIA REGINA REHABILITATION AND NURSING188OPTIMA CARE BRENTWOOD LLC
2024-02-01TUPPER LAKE CENTER FOR NURSING AND REHABILITATION60TUPPER LAKE CENTER LLC
2023-08-31WEST VILLAGE REHABILITATION AND NURSING CENTER105VILLAGE ACQUISITION I LLC
2023-06-23Crest Manor Living and Rehabilitation Center80CREST OPCO LLC
2023-06-23East Side Nursing Home80EASTSIDE OPCO LLC
2023-05-05SPRINGVALE NURSING & REHABILITATION CENTER200THE PREMIER CENTER FOR REHABILITATION OF WESTCHESTER LLC
2023-04-21LIVINGSTON HILLS NURSING AND REHABILITATION CENTER120LIVINGSTON TWO OPERATIONS LLC
2023-01-12EDEN REHABILITATION NURSING CENTER40EDRNC OPERATING LLC
2023-01-01DUNKIRK REHABILITATION & NURSING CENTER40DURNC OPERATING LLC
2022-09-12ROSS CENTER FOR NURSING AND REHABILITATION135ROSS OPCO LLC
Most recent same-state, same-setting trades. Most CHOW-derived trades carry no disclosed consideration, so price, $/bed, and cap rate show only where a sale price was resolved from a deed or filing — blanks are honest, not missing data.

Market rent context

35
GeoKindBRAmountAs ofSource
county 36053acs median gross0$7682024-12-31CENSUS_ACS5
county 36053fmr0$9952025-10-01HUD_USER_FMR
county 36053acs median gross1$6812024-12-31CENSUS_ACS5
county 36053fmr1$1,1232025-10-01HUD_USER_FMR
county 36053acs median gross2$9912024-12-31CENSUS_ACS5
county 36053fmr2$1,3922025-10-01HUD_USER_FMR
county 36053acs median gross3$1,0702024-12-31CENSUS_ACS5
county 36053fmr3$1,6912025-10-01HUD_USER_FMR
county 36053acs median gross4$1,3192024-12-31CENSUS_ACS5
county 36053fmr4$1,8482025-10-01HUD_USER_FMR
county 36053acs median gross5$1,1422024-12-31CENSUS_ACS5
county 36053acs median gross$9282024-12-31CENSUS_ACS5
county 36053acs recent mover gross$1,0592024-12-31CENSUS_ACS5
zcta 13421acs median gross0$7582024-12-31CENSUS_ACS5
zcta 13421acs median gross1$6952024-12-31CENSUS_ACS5
zcta 13421acs median gross2$9682024-12-31CENSUS_ACS5
zcta 13421acs median gross3$1,0532024-12-31CENSUS_ACS5
zcta 13421acs median gross4$1,1152024-12-31CENSUS_ACS5
zcta 13421acs median gross$9042024-12-31CENSUS_ACS5
zcta 13421acs recent mover gross$1,1392024-12-31CENSUS_ACS5
zip 13421payment standard 1100$9572025-10-01HUD_USER_SAFMR
zip 13421payment standard 900$7832025-10-01HUD_USER_SAFMR
zip 13421safmr0$8702025-10-01HUD_USER_SAFMR
zip 13421payment standard 1101$1,0672025-10-01HUD_USER_SAFMR
zip 13421payment standard 901$8732025-10-01HUD_USER_SAFMR
zip 13421safmr1$9702025-10-01HUD_USER_SAFMR
zip 13421payment standard 1102$1,3092025-10-01HUD_USER_SAFMR
zip 13421payment standard 902$1,0712025-10-01HUD_USER_SAFMR
zip 13421safmr2$1,1902025-10-01HUD_USER_SAFMR
zip 13421payment standard 1103$1,6062025-10-01HUD_USER_SAFMR
zip 13421payment standard 903$1,3142025-10-01HUD_USER_SAFMR
zip 13421safmr3$1,4602025-10-01HUD_USER_SAFMR
zip 13421payment standard 1104$1,8042025-10-01HUD_USER_SAFMR
zip 13421payment standard 904$1,4762025-10-01HUD_USER_SAFMR
zip 13421safmr4$1,6402025-10-01HUD_USER_SAFMR
ACS median gross rents and HUD FMR/SAFMR for the facility's county and ZIP. Context for underwriting, not facility pricing.