---
title: "Mortgage Lien - Most Recent (Batch)"
method: POST
path: "/v2/property/mortgage_lien"
tags: ["Property Level"]
---

# Mortgage Lien - Most Recent (Batch)

`POST /v2/property/mortgage_lien`

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>

## Query parameters

- `order` 'asc' | 'desc', nullable
- `limit` integer, nullable
- `start` string, date, nullable
- `end` string, date, nullable

## Request body

- object[]
  - `slug` string — Unique readable string identifier for the property
  - `address` string, required — 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)
  - `unit` string — Unit number for the property, if needed and not already specified in the address string
  - `city` string — City in which the property is located
  - `state` string — 2-letter acronym of the US state in which the property is located
  - `zipcode` string — 5-digit US zipcode in which the property is located

## Response `200`

Success

- object[]
  - `property/mortgage_lien` object
    - `api_code_description` string
    - `api_code` unknown
    - `result` object[], nullable
      - `amount` integer — Amount in dollars financed
      - `apn` string — Assessor's Parcel Number or Parcel Identification Number
      - `arm_index` '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', nullable — ARM index followed by the lien
      - `due_date` string, date, nullable — The date the lien is scheduled to be paid-in-full
      - `event_type` string — The type of loan acquired
      - `fifteen_yr` number, float — The FRED 15-year mortgage rate at the time of origination
      - `fips` string — 5-digit Federal Information Processing Standards county code
      - `grantee_1` string — Last name of first person listed on lien
      - `grantee_1_forenames` string — First name of first person listed on lien
      - `grantee_2` string, nullable — Last name of second person listed on lien
      - `grantee_2_forenames` string, nullable — First name of second person listed on lien
      - `grantor_1` string — Name of the primary financier of the lien
      - `grantor_2` string, nullable — Name of the secondary financier of the lien
      - `hc_interest_rate` number, float — HouseCanary estimated interest rate. Will differ from “interest_rate” if and only if there is a stated interest rate in the recorder's books
      - `heloc` boolean — Whether the loan is a home equity line of credit
      - `interest_rate` number, float, nullable — The estimated interest rate, based on mortgage_years and FRED rates
      - `lender_type` 'bank' | 'credit_union' | 'finance_company' | 'government' | 'individual_private_party' | 'insurance' | 'internet' | 'lending_institution' | 'mortgage_company' | 'other_company' | 'reo_foreclosure_company' | 'seller' | 'subprime_lender', nullable — Entity making the loan
      - `lien_type` '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', nullable — The type of lien acquired
      - `mortgage_years` integer — Estimated mortgage timeframe. Calculated as floor(due_date - record_date)
      - `record_book` string, nullable — 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.
      - `record_date` string, date — Date the lien originated
      - `record_doc` string, nullable — 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.
      - `record_page` string, nullable — 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.
      - `stand_alone_refi` boolean — Whether the refinance occurred with no concurrent loans
      - `thirty_yr` number, float — The FRED 30-year mortgage rate at the time of origination
  - `address_info` AddressInfo
    - `address_full` string, nullable — Full address string
    - `slug` string, nullable — HouseCanary address slug
    - `address` string, nullable — Street address
    - `unit` string, nullable — Unit within the building, if any
    - `city` string, nullable — City where property is located
    - `state` string, nullable — 2-character state abbreviation
    - `zipcode` string, nullable — 5-character US zipcode
    - `zipcode_plus4` string, nullable — 4-character zipcode extension
    - `block_id` string, nullable — 15-digit US census block ID
    - `blockgroup_id` string, nullable — 12-digit census block group ID
    - `county_fips` string, nullable — 5-digit US census county ID
    - `metrodiv` string, nullable — 5-digit US census Metropolitan Division ID
    - `msa` string, nullable — 5-digit US census MSA ID
    - `geo_precision` 'rooftop' | 'parcel' | 'zip9' | 'zip5' | 'unknown', nullable — A string describing available geo precision
    - `lat` number, nullable — Latitude value, in degrees
    - `lng` number, nullable — Longitude value, in degrees
    - `status` object
      - `match` boolean — Whether the address was matched to a canonical address in HouseCanary's systems
      - `details` string[]
      - `requested_item` object — Exact address parameters provided in the original API request
      - `changes` string[]
      - `errors` string[]

## Other responses

- `400` — Bad Request
- `401` — Unauthorized
- `429` — Rate limit exceeded

---

[API](https://skmtc.net/housecanary/apis/housecanary-analytics-and-portfolio-monitoring-apis.md) · [All operations](https://skmtc.net/housecanary/apis/housecanary-analytics-and-portfolio-monitoring-apis/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/housecanary/housecanary-analytics-and-portfolio-monitoring-apis/revisions/38afb6724de7/schema)