Composite
90.8 / 100 percentile
Screener / 315393
D
NEW COMMUNITY EXTENDED CARE FACILITY
snfNJ
266 S ORANGE AVE, NEWARK, NJ 07103 · CCN 315393
Peer group
snf n = 14,684
Evidence depth
deep
Certified beds
180
Model
v1.2
Reads as: riskier than 90.8% 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.
Score model4Components15CHOW radar1Distress radar1Staffing13Penalties1Deficiencies22Licensure0Ownership12Related party5Transactions0Comps12Market rent35
Composite explanation
4| Component | Percentile | Raw | Weight | Weight share | Contribution | Counts |
|---|---|---|---|---|---|---|
| financial risk | 95.4 | 85.1 | 0.30 | 0.3000 | 28.62 | in index |
| regulatory risk | 71.0 | 66.3 | 0.30 | 0.3000 | 21.30 | in index |
| staffing risk | 42.8 | 42.9 | 0.25 | 0.2500 | 10.70 | in index |
| chow risk | 44.5 | 51.6 | 0.15 | 0.1500 | 6.68 | in 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
15| Score type | Score | Grade | Model | Status | Registry model notes |
|---|---|---|---|---|---|
| chow risk | 21.2 | A | v0.1-pos | default · in composite | Change-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. |
| chow risk | 82.0 | F | v0.6 | default · in composite | |
| financial risk | 85.1 | F | v0.5 | default · in composite | R18. |
| p adverse action 12m | 16.9 | — | v0.1 | default · in composite | R23/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 12m | 0.7 | — | v0.1 | default · in composite | R22/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 risk | 66.3 | D | v0.3 | default · in composite | Deficiency-based, SNF population. Runs alongside v0.5-pos. |
| staffing risk | 42.9 | B | v0.3 | default · in composite | Cost-report staffing, SNF population. Runs alongside v0.4-pos, which covers ICF/IID from POS. |
| financial risk | 77.5 | D | v0.1 | superseded | Pre-registry model iteration, superseded by a later financial_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. |
| financial risk | 57.5 | C | v0.2 | superseded | Pre-registry model iteration, superseded by a later financial_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. |
| financial risk | 69.5 | D | v0.3 | superseded | Pre-registry model iteration, superseded by a later financial_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. |
| financial risk | 84.3 | F | v0.4 | superseded | Pre-registry model iteration, superseded by a later financial_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 risk | 66.1 | D | v0.1 | superseded | Pre-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 risk | 66.1 | D | v0.2 | superseded | Pre-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. |
| staffing risk | 42.9 | B | v0.1 | superseded | Pre-registry model iteration, superseded by a later staffing_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. |
| staffing risk | 42.9 | B | v0.2 | superseded | Pre-registry model iteration, superseded by a later staffing_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)
0.7%
model v0.1 · computed 2026-07-29
Percentile among SNFs
57.5
100 = most likely to sell
Holdout AUC
0.874
evaluated before shipping, never refit
| Driver | Value | Pull on odds | |
|---|---|---|---|
| For-profit ownership | 0.00 | -1.24 | |
| Never sold on record | 1.00 | +0.62 | |
| Current owner tenure (years) | 25.00 | +0.57 | |
| Occupancy | 0.51 | +0.55 | |
| No PBJ staffing report | 0.00 | +0.42 | |
| Chain size (log) | 0.00 | -0.40 | |
| Ownership changes, last 5 years | 0.00 | +0.20 | |
| Deficiencies, last 12 months | 0.00 | -0.17 |
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)
16.9%
model v0.1 · computed 2026-07-29
Percentile among SNFs
99.7
100 = most likely to lose certification
Holdout AUC
0.971
top decile caught 95% of actual exits
| Driver | Value | Pull on odds | |
|---|---|---|---|
| For-profit ownership | 0.00 | +1.62 | |
| Deficiencies, last 12 months | 0.00 | +1.43 | |
| Chain size (log) | 0.00 | +1.20 | |
| Occupancy | 0.51 | +1.02 | |
| No PBJ staffing report | 0.00 | +0.39 | |
| Fine amount, 12m (log) | 0.00 | +0.18 | |
| Facility size (log beds) | 5.20 | -0.18 | |
| Never sold on record | 1.00 | +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| 2025Q4 HPRD | This facility | NJ median | National median | National p25–p75 |
|---|---|---|---|---|
| Total nurse | 3.40 | 3.31 | 3.28 | 2.90–3.77 |
| RN | 0.23 | 0.35 | 0.39 | 0.25–0.58 |
| Weekend total | 3.21 | 3.21 | 3.11 | — |
| Weekday total | 3.48 | 3.37 | 3.35 | — |
| Quarter | Days | Avg census | Total HPRD | RN | LPN | CNA | Weekend | Contract % |
|---|---|---|---|---|---|---|---|---|
| 2025Q4 | 92 | 91.2 | 3.40 | 0.23 | 0.79 | 2.38 | 3.21 | 15.0% |
| 2025Q3 | 92 | 92.3 | 2.46 | 0.17 | 0.55 | 1.74 | 2.45 | 30.0% |
| 2025Q2 | 91 | 94.4 | 3.06 | 0.26 | 0.73 | 2.07 | 2.75 | 25.3% |
| 2025Q1 | 90 | 86.2 | 2.80 | 0.28 | 0.76 | 1.76 | 2.36 | 13.3% |
| 2024Q4 | 92 | 89.0 | 3.14 | 0.21 | 0.88 | 2.05 | 2.73 | 19.7% |
| 2024Q3 | 92 | 84.2 | 3.08 | 0.23 | 0.92 | 1.93 | 2.78 | 19.2% |
| 2024Q2 | 91 | 86.3 | 2.83 | 0.28 | 0.86 | 1.70 | 2.56 | 11.2% |
| 2024Q1 | 91 | 87.4 | 2.09 | 0.25 | 0.62 | 1.22 | 1.89 | 8.5% |
| 2023Q4 | 92 | 78.0 | 3.38 | 0.37 | 0.96 | 2.05 | 3.05 | 4.4% |
| 2023Q3 | 92 | 101.8 | 3.01 | 0.24 | 0.91 | 1.85 | 2.70 | 17.1% |
| 2022Q3 | 92 | 36.0 | 7.87 | 0.81 | 2.63 | 4.43 | 7.05 | 24.1% |
| 2022Q2 | 91 | 34.9 | 8.21 | 0.89 | 2.71 | 4.62 | 7.14 | 22.9% |
| 2022Q1 | 90 | 33.2 | 8.41 | 0.87 | 2.66 | 4.88 | 7.14 | 0.5% |
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| Date | Type | Fine | Source |
|---|---|---|---|
| 2025-02-12 | Fine | $70,317 | CMS provider data |
Total fines on record: $70,317
Deficiencies
22D × 18E × 3L × 1
deficiencies by survey year
| Survey | Type | Tag | Deficiency | Scope | Corrected |
|---|---|---|---|---|---|
| 2025-02-12 | Health | F0550 | Honor the resident's right to a dignified existence, self-determination, communication, and to exercise his or her rights. | D | 2025-03-18 |
| 2025-02-12 | Health · complaint | F0552 | Ensure that residents are fully informed and understand their health status, care and treatments. | D | 2025-03-18 |
| 2025-02-12 | Health | F0558 | Reasonably accommodate the needs and preferences of each resident. | D | 2025-03-18 |
| 2025-02-12 | Health | F0584 | Honor the resident's right to a safe, clean, comfortable and homelike environment, including but not limited to receiving treatment and supports for daily living safely. | D | 2025-03-18 |
| 2025-02-12 | Health | F0636 | Assess the resident completely in a timely manner when first admitted, and then periodically, at least every 12 months. | D | 2025-03-18 |
| 2025-02-12 | Health | F0637 | Assess the resident when there is a significant change in condition | D | 2025-03-18 |
| 2025-02-12 | Health | F0638 | Assure that each resident’s assessment is updated at least once every 3 months. | D | 2025-03-18 |
| 2025-02-12 | Health | F0658 | Ensure services provided by the nursing facility meet professional standards of quality. | D | 2025-03-18 |
| 2025-02-12 | Health | F0677 | Provide care and assistance to perform activities of daily living for any resident who is unable. | E | 2025-03-18 |
| 2025-02-12 | Health | F0689 | Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents. | L | 2025-03-18 |
| 2025-02-12 | Health | F0695 | Provide safe and appropriate respiratory care for a resident when needed. | D | 2025-03-18 |
| 2025-02-12 | Health | F0698 | Provide safe, appropriate dialysis care/services for a resident who requires such services. | E | 2025-03-18 |
| 2025-02-12 | Health | F0755 | Provide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist. | D | 2025-03-18 |
| 2025-02-12 | Health | F0880 | Provide and implement an infection prevention and control program. | E | 2025-03-18 |
| 2023-01-11 | Health | F0656 | Develop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured. | D | 2023-02-03 |
| 2023-01-11 | Health | F0678 | Provide basic life support, including CPR, prior to the arrival of emergency medical personnel , subject to physician orders and the resident’s advance directives. | D | 2023-02-24 |
| 2023-01-11 | Health | F0755 | Provide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist. | D | 2023-02-24 |
| 2023-01-11 | Health | F0812 | Procure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards. | D | 2023-02-24 |
| 2023-01-11 | Health | F0880 | Provide and implement an infection prevention and control program. | D | 2023-02-03 |
| 2020-11-13 | Health | F0658 | Ensure services provided by the nursing facility meet professional standards of quality. | D | 2020-12-04 |
| 2020-11-13 | Health | F0689 | Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents. | D | 2020-12-04 |
| 2020-11-13 | Health | F0812 | Procure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards. | D | 2020-12-04 |
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
0No 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
12| Owner | Role | Pct | From | Status | Source |
|---|---|---|---|---|---|
| GUITTARI, NICHOLAS | ADP OF THE SNF | — | 2025-12-30 | current | pecos_ownership |
| MBAKAYA, ELIZABETH | CORPORATE OFFICER | — | 2010-01-01 | current | pecos_ownership |
| NEW COMMUNITY CORPORATION | ADP OF THE SNF | — | 2025-12-30 | current | pecos_ownership |
| NEW COMMUNITY CORPORATION | OPERATIONAL/MANAGERIAL CONTROL | — | — | current | pecos_ownership |
| NEW COMMUNITY URC | Corporation, partnership or other organization has financial interest in provider | — | 2023-01-01 | current | hcris_a_8_1 |
| NEW COMMUNITY URC | Corporation, partnership or other organization has financial interest in provider | — | 2024-01-01 | current | hcris_a_8_1 |
| ONWUNAKA, VERONICA | ADP OF THE SNF | — | 2025-12-30 | current | pecos_ownership |
| ROHMAN, RICHARD | OPERATIONAL/MANAGERIAL CONTROL | — | 2017-01-01 | current | pecos_ownership |
| ELIZABETH MBAKAYA | CORPORATE OFFICER | — | 2010-01-01 | ended 2026-05-18 | pecos_ownership |
| NICHOLAS GUITTARI | ADP OF THE SNF | — | 2025-12-30 | ended 2026-05-18 | pecos_ownership |
| RICHARD ROHMAN | OPERATIONAL/MANAGERIAL CONTROL | — | 2017-01-01 | ended 2026-05-18 | pecos_ownership |
| VERONICA ONWUNAKA | ADP OF THE SNF | — | 2025-12-30 | ended 2026-05-18 | pecos_ownership |
PECOS ownership and managing-control associations. Current edges have no end date in the source; historical edges are retained.
Transactions
0No 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 — NJ snf
12| Close | Facility | Price | $/bed | Cap rate | Beds | Buyer |
|---|---|---|---|---|---|---|
| 2024-05-06 | RIVERSIDE HEALTH AND REHABILITATION CENTER LLC | — | — | — | 141 | RIVERSIDE HEALTH AND REHABILITATION CENTER LLC |
| 2024-04-01 | ATLAS REHABILITATION & HEALTHCARE AT WEST DEPTFOR | — | — | — | 156 | WEST DEPTFORD SNF OPERATIONS LLC |
| 2024-04-01 | ATLAS REHABILITATION AND HEALTHCARE AT WASHINGTON | — | — | — | 120 | SEWELL SNF OPERATIONS LLC |
| 2024-04-01 | ACCELERATE SKILLED NURSING AND REHAB PISCATAWAY | — | — | — | 124 | SKILES AVENUE AND STERLING DRIVE URBAN RENEWAL OPERATIONS LLC |
| 2024-03-01 | MEADOWBROOK RESPIRATORY AND NURSING CENTER | — | — | — | 130 | MATAWAN SNF OPERATIONS LLC |
| 2024-03-01 | ATLAS POST ACUTE AT WOODBURY COUNTRY CLUB | — | — | — | 124 | WOODBURY SNF OPERATIONS LLC |
| 2024-02-01 | THE SUBACUTE AT AUTUMN LAKE HEALTHCARE | — | — | — | 124 | 113 SOUTH ROUTE 73 OPCO LLC |
| 2024-02-01 | MOHAWK MEADOWS | — | — | — | 159 | BEMET LLC |
| 2024-01-08 | TOTAL REHAB MOORESTOWN | — | — | — | 124 | MOORESTOWN OPERATOR LLC |
| 2024-01-01 | AUTUMN LAKE HEALTHCARE AT VOORHEES | — | — | — | 120 | 1086 DUMONT CIRCLE OPCO LLC |
| 2024-01-01 | HARTWYCK AT OAK TREE | — | — | — | 120 | HACKENSACK MERIDIAN AMBULATORY CARE, INC. |
| 2023-12-27 | MOUNTAINSIDE SKILLED NURSING AND REHAB | — | — | — | 151 | MOUNTAINSIDE NURSING AND REHAB BHC OPERATIONS |
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| Geo | Kind | BR | Amount | As of | Source |
|---|---|---|---|---|---|
| county 34013 | acs median gross | 0 | $1,241 | 2024-12-31 | CENSUS_ACS5 |
| county 34013 | fmr | 0 | $1,612 | 2025-10-01 | HUD_USER_FMR |
| county 34013 | acs median gross | 1 | $1,289 | 2024-12-31 | CENSUS_ACS5 |
| county 34013 | fmr | 1 | $1,822 | 2025-10-01 | HUD_USER_FMR |
| county 34013 | acs median gross | 2 | $1,638 | 2024-12-31 | CENSUS_ACS5 |
| county 34013 | fmr | 2 | $2,205 | 2025-10-01 | HUD_USER_FMR |
| county 34013 | acs median gross | 3 | $1,864 | 2024-12-31 | CENSUS_ACS5 |
| county 34013 | fmr | 3 | $2,761 | 2025-10-01 | HUD_USER_FMR |
| county 34013 | acs median gross | 4 | $2,214 | 2024-12-31 | CENSUS_ACS5 |
| county 34013 | fmr | 4 | $3,137 | 2025-10-01 | HUD_USER_FMR |
| county 34013 | acs median gross | 5 | $2,456 | 2024-12-31 | CENSUS_ACS5 |
| county 34013 | acs median gross | $1,531 | 2024-12-31 | CENSUS_ACS5 | |
| county 34013 | acs recent mover gross | $1,871 | 2024-12-31 | CENSUS_ACS5 | |
| zcta 07103 | acs median gross | 0 | $1,234 | 2024-12-31 | CENSUS_ACS5 |
| zcta 07103 | acs median gross | 1 | $522 | 2024-12-31 | CENSUS_ACS5 |
| zcta 07103 | acs median gross | 2 | $1,348 | 2024-12-31 | CENSUS_ACS5 |
| zcta 07103 | acs median gross | 3 | $1,690 | 2024-12-31 | CENSUS_ACS5 |
| zcta 07103 | acs median gross | 4 | $1,911 | 2024-12-31 | CENSUS_ACS5 |
| zcta 07103 | acs median gross | $1,323 | 2024-12-31 | CENSUS_ACS5 | |
| zcta 07103 | acs recent mover gross | $1,676 | 2024-12-31 | CENSUS_ACS5 | |
| zip 07103 | payment standard 110 | 0 | $1,551 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | payment standard 90 | 0 | $1,269 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | safmr | 0 | $1,410 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | payment standard 110 | 1 | $1,760 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | payment standard 90 | 1 | $1,440 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | safmr | 1 | $1,600 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | payment standard 110 | 2 | $2,123 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | payment standard 90 | 2 | $1,737 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | safmr | 2 | $1,930 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | payment standard 110 | 3 | $2,673 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | payment standard 90 | 3 | $2,187 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | safmr | 3 | $2,430 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | payment standard 110 | 4 | $3,036 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | payment standard 90 | 4 | $2,484 | 2025-10-01 | HUD_USER_SAFMR |
| zip 07103 | safmr | 4 | $2,760 | 2025-10-01 | HUD_USER_SAFMR |
ACS median gross rents and HUD FMR/SAFMR for the facility's county and ZIP. Context for underwriting, not facility pricing.