Mortgage and lien data for a US property

GET /api/mortgage-lien/analysis/

5 credits

What it returns

Mortgage and lien records for a US property — current and historical mortgages, lien summary, involuntary liens, pre-foreclosure status, and data quality metadata. Sourced from a county-records aggregator and cached for 7 days; cached responses cost 0 credits.

Performance

Fresh lookups are slow — use a 60-second client timeout and cache responses (we cache for 7 days; cached reads are fast and free).

When to use it

• Identify distressed properties (high lien-to-value ratio, pre-foreclosure).
• Pre-screen wholesale outreach lists for owner-equity position.
• Disclose lien position to a buyer or lender.

Pricing

5 credits per fresh request. Cached responses (within 7 days of the prior fetch for the same address) cost 0 credits.

FAQ

Is this real-time?

No — mortgage recordings post to county records with days-to-weeks lag. The 7-day cache reflects that natural cadence.

What if the property has no mortgage?

Returns an empty mortgages array and the lien summary reflects equity-only status. Still counts as 5 credits (the call ran).

Parameters

• address (query, required) — Full property address.

Responses

• 200
• 400 — Bad request — a required parameter is missing or failed validation. Costs 0 credits.
• 401 — Authentication failed — missing or invalid API key. Costs 0 credits.
• 402 — Payment required — no active subscription or insufficient credit balance. Costs 0 credits.
• 404 — Not found — the address or identifier did not resolve to a record. Costs 0 credits.
• 502 — Bad gateway — the upstream county-records aggregator failed or timed out on a fresh lookup. Fresh lookups are slow, so use a 60-second client timeout and retry with backoff; a successful retry is cached (and free) for 7 days.

More in Market Data

• List residential properties sold in a ZIP in the last 365 days — GET /api/properties/sold/by-zip/
  Every residential property sold in a given US ZIP code within the last 365 days, with sale date, sale price, coordinates, and basic property characteristics (bed/bath, square footage, year built, lot size).
• Count of sold properties in a ZIP in the last 365 days — GET /api/properties/sold/count-by-zip/
  Just the count of residential properties sold in a ZIP within the last 365 days.