---
title: "Analyze Mortgages and Liens — Market Data API"
description: "Return mortgage and lien data for a US property: outstanding loan balances, lien positions, lender names, and origination dates for equity and title analysis."
---

# 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).