Hsbc Bank Usa National Associ

What drives the score

• +30

  Defaulted hearings, unpaid — 14

  Each default parks the maximum judgment on the owner's property record until it's vacated or paid.

• +25

  Outstanding penalties

  Unpaid balances accrue interest — and $25,000+ outstanding can freeze new DOB permits on the lots this company works.

• +20

  Corrections never certified — 13

  A summons without an accepted certificate of correction blocks the owner's DOB sign-offs and Certificate of Occupancy.

• +15

  Job sites carrying open money — 5

  Every site with an open balance is another owner in the blast radius.

• +7

  Summonses in the last 12 months — 7

  A live docket means the pattern is current, not history.

Scored 0–100 from the docket itself — defaults left on owners' property records, unpaid balances against the DOB's $25,000 permit-block line, corrections never certified, how many sites carry open money, and whether the docket is still live. The facts are the city's; the weighting is ours and shown above.