Mortgage Lien - Most Recent (Batch)

Identify liens/mortgages since the last arm's length transaction, crucial for due diligence and property encumbrance checks.

Source: HouseCanary, Public Records

Pricing Tier: Basic

Updated: Daily

Request Query Params

<table><tr><th>Property</th><th>Type</th><th>Description</th><th>Example</th><th>Enum Values</th></tr> <tr><td>order</td><td>string</td><td>Chronological order to sort result items. One of [asc or desc]. Defaults to asc.</td><td></td> <td>[asc, desc]</td></tr> <tr><td>limit</td><td>integer</td><td>Maximum integer number of result items to return. Defaults to null.</td><td>10</td> <td></td></tr> <tr><td>start</td><td>string</td><td>Beginning date limit for result items, based on record_date, in ISO 8601 format, i.e. 2015-01-01. Defaults to null.</td><td>2015-01-01</td> <td></td></tr> <tr><td>end</td><td>string</td><td>Ending date limit for result items, based on record_date, in ISO 8601 format, i.e. 2015-01-01. Defaults to null.</td><td>2015-01-01</td> <td></td></tr> </table>

Request Body Fields

<table><tr><th>Field</th><th>Type</th><th>Description</th><th>Example</th></tr> <tr><td>[]</td><td>object</td><td></td><td></td> </tr> <tr><td>[].slug</td><td>string</td><td>Unique readable string identifier for the property</td><td>123-Main-St-Apt-1B-San-Francisco-CA-94132</td> </tr> <tr><td>[].address</td><td>string</td><td>Either a single URL-safe string ("slug") identifying the address, or just a building number, street name, and optionally unit number (if not a slug the payload must also include other identifiers)</td><td>123 Main St</td> </tr> <tr><td>[].unit</td><td>string</td><td>Unit number for the property, if needed and not already specified in the address string</td><td>Apt 1B</td> </tr> <tr><td>[].city</td><td>string</td><td>City in which the property is located</td><td>San Francisco</td> </tr> <tr><td>[].state</td><td>string</td><td>2-letter acronym of the US state in which the property is located</td><td>CA</td> </tr> <tr><td>[].zipcode</td><td>string</td><td>5-digit US zipcode in which the property is located</td><td>94105</td> </tr> </table>

Response

<table><tr><th>Field</th><th>Type</th><th>Description</th><th>Example</th><th>Enum Values</th></tr> <tr><td>[]</td><td>object</td><td></td><td></td> <td></td></tr> <tr><td>[].amount</td><td>integer</td><td>Amount in dollars financed</td><td>200000</td> <td></td></tr> <tr><td>[].apn</td><td>string</td><td>Assessor's Parcel Number or Parcel Identification Number</td><td>1234567890</td> <td></td></tr> <tr><td>[].arm_index</td><td>string</td><td>ARM index followed by the lien</td><td>libor_6m</td> <td>[cd_6m, cofi, libor_1m, libor_1y, libor_2m, libor_3m, libor_6m, mta_12m, prime, tbill_10y, tbill_1y, tbill_3y, tbill_5y, tbill_6m]</td></tr> <tr><td>[].due_date</td><td>string</td><td>The date the lien is scheduled to be paid-in-full</td><td>2023-12-31</td> <td></td></tr> <tr><td>[].event_type</td><td>string</td><td>The type of loan acquired</td><td>purchase</td> <td></td></tr> <tr><td>[].fifteen_yr</td><td>number</td><td>The FRED 15-year mortgage rate at the time of origination</td><td>3.5</td> <td></td></tr> <tr><td>[].fips</td><td>string</td><td>5-digit Federal Information Processing Standards county code</td><td>06037</td> <td></td></tr> <tr><td>[].grantee_1</td><td>string</td><td>Last name of first person listed on lien</td><td>Smith</td> <td></td></tr> <tr><td>[].grantee_1_forenames</td><td>string</td><td>First name of first person listed on lien</td><td>John</td> <td></td></tr> <tr><td>[].grantee_2</td><td>string</td><td>Last name of second person listed on lien</td><td>Johnson</td> <td></td></tr> <tr><td>[].grantee_2_forenames</td><td>string</td><td>First name of second person listed on lien</td><td>Jane</td> <td></td></tr> <tr><td>[].grantor_1</td><td>string</td><td>Name of the primary financier of the lien</td><td>ABC Bank</td> <td></td></tr> <tr><td>[].grantor_2</td><td>string</td><td>Name of the secondary financier of the lien</td><td>XYZ Mortgage</td> <td></td></tr> <tr><td>[].hc_interest_rate</td><td>number</td><td>HouseCanary estimated interest rate. Will differ from “interest_rate” if and only if there is a stated interest rate in the recorder's books</td><td>3.75</td> <td></td></tr> <tr><td>[].heloc</td><td>boolean</td><td>Whether the loan is a home equity line of credit</td><td>true</td> <td></td></tr> <tr><td>[].interest_rate</td><td>number</td><td>The estimated interest rate, based on mortgage_years and FRED rates</td><td>4.25</td> <td></td></tr> <tr><td>[].lender_type</td><td>string</td><td>Entity making the loan</td><td>bank</td> <td>[bank, credit_union, finance_company, government, individual_private_party, insurance, internet, lending_institution, mortgage_company, other_company, reo_foreclosure_company, seller, subprime_lender]</td></tr> <tr><td>[].lien_type</td><td>string</td><td>The type of lien acquired</td><td>conventional</td> <td>[arm, commercial, construction, conventional, fannie_mae_freddie_mac, farmers_home_administration, fha, land_contract, open_end, revolving_credit_line, second_to_cover_down_payment, seller_take_back, stand_alone_first, stand_alone_refi, stand_alone_second, state_veterans, usda, va]</td></tr> <tr><td>[].mortgage_years</td><td>integer</td><td>Estimated mortgage timeframe. Calculated as floor(due_date - record_date)</td><td>30</td> <td></td></tr> <tr><td>[].record_book</td><td>string</td><td>Record book number for the recorded lien. A unique transaction in many counties may be defined in the recorder's books by a unique: record_book, record_page, record_doc.</td><td>12345</td> <td></td></tr> <tr><td>[].record_date</td><td>string</td><td>Date the lien originated</td><td>2023-01-15</td> <td></td></tr> <tr><td>[].record_doc</td><td>string</td><td>The assessor's document number for this lien. A unique transaction in many counties may be defined in the recorder's books by a unique: record_book, record_page, record_doc.</td><td>56789</td> <td></td></tr> <tr><td>[].record_page</td><td>string</td><td>Record page of the lien in the county recorder. A unique transaction in many counties may be defined in the recorder's books by a unique: record_book, record_page, record_doc.</td><td>123</td> <td></td></tr> <tr><td>[].stand_alone_refi</td><td>boolean</td><td>Whether the refinance occurred with no concurrent loans</td><td></td> <td></td></tr> <tr><td>[].thirty_yr</td><td>number</td><td>The FRED 30-year mortgage rate at the time of origination</td><td>4</td> <td></td></tr> </table>

[
  {
    "slug": "123-Main-St-Apt-1B-San-Francisco-CA-94132",
    "address": "123 Main St",
    "unit": "Apt 1B",
    "city": "San Francisco",
    "state": "CA",
    "zipcode": "94105"
  }
]

[
  {
    "property/mortgage_lien": {
      "result": [
        {
          "amount": 200000,
          "apn": "1234567890",
          "arm_index": "libor_6m",
          "due_date": "2023-12-31",
          "event_type": "purchase",
          "fifteen_yr": 3.5,
          "fips": "06037",
          "grantee_1": "Smith",
          "grantee_1_forenames": "John",
          "grantee_2": "Johnson",
          "grantee_2_forenames": "Jane",
          "grantor_1": "ABC Bank",
          "grantor_2": "XYZ Mortgage",
          "hc_interest_rate": 3.75,
          "heloc": true,
          "interest_rate": 4.25,
          "lender_type": "bank",
          "lien_type": "conventional",
          "mortgage_years": 30,
          "record_book": "12345",
          "record_date": "2023-01-15",
          "record_doc": "56789",
          "record_page": "123",
          "thirty_yr": 4
        }
      ]
    },
    "address_info": {
      "address_full": "123 Main St San Francisco CA 94132",
      "slug": "123-Main-St-Apt-1B-San-Francisco-CA-94132",
      "address": "123 Main St",
      "unit": "Apt 1B",
      "city": "San Francisco",
      "state": "CA",
      "zipcode": "94132",
      "zipcode_plus4": "1234",
      "block_id": "060750313013007",
      "blockgroup_id": "060750201004",
      "county_fips": "06075",
      "metrodiv": "41860",
      "msa": "41860",
      "geo_precision": "rooftop",
      "lat": 37.789,
      "lng": -122.401,
      "status": {
        "match": true,
        "details": [
          "Address fully verified"
        ],
        "requested_item": {
          "zipcode": "94132",
          "address": "123+Main+St"
        },
        "changes": [
          "State added or changed"
        ]
      }
    }
  }
]