Market

Did the move pay off? Production before vs after moving

getapi.modelmatch.com/v1/market/movement/cohort-payoff

For loan officers who moved in the window (default last 24 months), annualized production at the previous employer vs the new one, bucketed by pre-move tier (Low <25, Mid 25–99, High 100+ units/yr). Each side is annualized over the months actually spent there inside a trailing 24-month production window; movers with fewer than windowMonths months on either side are excluded. A move is dated by the loan officer's FIRST record at the new company; a loan officer licensed in several states counts once per company. Location filters use the loan officer's CURRENT NMLS location. Results refresh weekly. A response not ready within 25 s answers 202 (MovementComputing): repeat the same request after retryAfterMs.

Authorization

x-api-keystringrequired

API key or OAuth token. See Authentication.

Query parameters

dateRangestring

Reporting window. last_N_months = the N most recent COMPLETED calendar months (the current month is excluded); year_to_date = Jan 1 through the end of last month; YYYY (or fy_YYYY) = that calendar year; all_time. Default last_12_months.

statestring

Two-letter state. Matches the loan officer's CURRENT NMLS location, not where they were when they moved.

statesstring

Comma-separated two-letter states (e.g. a region). ORed; combined with state when both are sent.

citystring

Exact city name of the loan officer's current NMLS location. Pair with state.

companyCategorystring

Comma-separated company categories (BANK, CU, OTHER) applied to the company whose roster changed — the destination for arrivals, the company left for departures.

windowMonthsenum

Minimum months a mover must have on EACH side of the move inside the 24-month production window (default 3).

Options:3612

Responses

200objectOK

Show attributes

caveatsobjectrequired

Show child attributes

floorMonthsnumberrequired

totalMoversAnalyzednumberrequired

totalMoversExcludednumberrequired

totalMoversInRangenumberrequired

truncatedbooleanrequired

Always false: every mover in the window is analyzed. Kept for compatibility.

tiersobject[]required

Show child attributes

deltaobjectrequired

Show child attributes

unitsChangePctnumberrequired

volumeChangePctnumberrequired

moverCountnumberrequired

postMoveobjectrequired

Show child attributes

meanUnitsnumberrequired

meanVolumenumberrequired

medianUnitsnumberrequired

medianVolumenumberrequired

preMoveobjectrequired

Show child attributes

meanUnitsnumberrequired

meanVolumenumberrequired

medianUnitsnumberrequired

medianVolumenumberrequired

tierKeyenumrequired

Options:lowmidhigh

tierLabelstringrequired

windowobjectrequired

The resolved reporting window (inclusive dates).

Show child attributes

endDatestringrequired

monthsnumberrequired

startDatestringrequired

202objectStill computing — poll the same request after `retryAfterMs`. See `MovementComputing`.

Show attributes

retryAfterMsintegerrequired

Suggested wait before repeating the SAME request (also sent as Retry-After, in seconds).

statusenumrequired

Options:computing

400objectValidation error

401objectUnauthorized

403objectForbidden (authenticated, but missing required context — e.g. no active organization)

404objectNot found

413objectResponse payload too large — detail endpoint capped to fit Lambda response limits

503objectSearch timed out or the cluster is overloaded — retry after `Retry-After` seconds.

curl -X GET "https://api.modelmatch.com/v1/market/movement/cohort-payoff" \
  -H "x-api-key: $MODEL_MATCH_API_KEY"

import { createClient } from "@model-match/api";

const client = createClient({ apiKey: process.env.MODEL_MATCH_API_KEY });

const { data, error } = await client.market.movementCohortPayoff();

import os
import requests

res = requests.get(
    "https://api.modelmatch.com/v1/market/movement/cohort-payoff",
    headers={"x-api-key": os.environ["MODEL_MATCH_API_KEY"]},
)
data = res.json()

200 response

{
  "caveats": {
    "floorMonths": 123.45,
    "totalMoversAnalyzed": 123.45,
    "totalMoversExcluded": 123.45,
    "totalMoversInRange": 123.45,
    "truncated": true
  },
  "tiers": [
    {
      "delta": {
        "unitsChangePct": 123.45,
        "volumeChangePct": 123.45
      },
      "moverCount": 123.45,
      "postMove": {
        "meanUnits": 123.45,
        "meanVolume": 123.45,
        "medianUnits": 123.45,
        "medianVolume": 123.45
      },
      "preMove": {
        "meanUnits": 123.45,
        "meanVolume": 123.45,
        "medianUnits": 123.45,
        "medianVolume": 123.45
      },
      "tierKey": "low",
      "tierLabel": "<string>"
    }
  ],
  "window": {
    "endDate": "<string>",
    "months": 123.45,
    "startDate": "<string>"
  }
}