> ## Documentation Index > Fetch the complete documentation index at: https://developers.investorlift.com/llms.txt > Use this file to discover all available pages before exploring further. # Get the profile of one lender > One lender, one profile per market: every spelling folded into it, its class and hard-money flag, its loans counted once across both tables. Also its open book, the year and month series, the product mix, pricing, geography and rankings. The history sees about one open loan in five: a history count is a floor, and the union the origination count. A merged id redirects here (meta.resolved_from), and a retired one is 410 gone. For the loans use `/v1/lenders/{id}/loans`. [The identity, old ids and why counts are floors](https://developers.investorlift.com/api-reference/endpoints/lenders-get). ## OpenAPI ````yaml /openapi.json get /v1/lenders/{id} openapi: 3.1.0 info: title: God Mode API version: 0.33.1 description: >- You have a house to sell, usually a wholesale contract. You want to know **who nearby buys houses like this one and how to reach them**. County deed records already hold the answer. This API reads them for each loaded market and serves three things: deals, investors and a ranking. On every response, `meta.coverage[]` lists the markets and the area each covers. **Deals** are every investment purchase, flip, wholesale and current investor holding. **Investors** are the buyers behind them, grouped so that the LLCs of an operator and the person behind them count as one. **A ranking** says, for a given house, which investors are the best fit and why. The documentation site at https://developers.investorlift.com carries the guides, the walkthroughs, the error catalogue and the connection steps for MCP clients. https://developers.investorlift.com/llms.txt indexes the site for a model. This document is the machine-readable reference behind the API tab of the site. **Start here.** Ranked buyers for a house at 7522 E Cholla St, Scottsdale, under contract at $410,000 and in need of a major rehab: ``` GET https://api.investorlift.com/v1/buyers/match?lat=33.476917&lng=-111.920385&radius_miles=2&subject_asking_price=410000&subject_condition=MAJOR_REHAB Authorization: Bearer zpka_... ``` **Conventions.** Responses are `{ data, meta }`. Lists add `page` (an opaque cursor) and sometimes `summary`. A list parameter takes commas or repeated keys. Dates are YYYY-MM-DD. Ids carry a prefix: `deal_`, `prop_`, `inv_`, `agt_`, `wl_`, `wsr_`. Money is whole dollars. It is null, never 0, when the deed carries no price. Coordinates are WGS84. A location is a point and radius (`lat`, `lng`, `radius_miles`), a viewport (`bbox=west,south,east,north`) or a parcel (`property_id`). This host does not serve the people behind an entity, mailing addresses, owner identity, mortgage borrowers or lien parties. It does not serve the names, phones, emails and licence numbers of listing agents. It serves the entities, the deals, the listings and the ranking. Errors are RFC 9457 problem+json with a `code` to switch on. The catalogue is https://developers.investorlift.com/problems.json and the Errors page of the site. The field `meta.coverage[].dataset_version` changes only when a refresh rebuilds the tables of a market. Use it in cache keys, or poll `GET /v1/dataset`. **MCP.** The API serves the same data to Model Context Protocol clients at `POST https://api.investorlift.com/mcp` with the same key: twenty-six read-only tools, four resources, seven prompts. The MCP tab of the documentation site has the client setup. The file `mcp-manifest.json` beside this document lists the tools with their input schemas. Problem codes: 400 validation_error, 400 unknown_parameter, 400 invalid_cursor, 400 geometry_required, 400 geometry_conflict, 400 sort_requires_point, 400 invalid_id, 400 market_required, 401 unauthorized, 403 quota_exceeded, 403 subscription_required, 403 payment_overdue, 403 plan_limit, 404 not_found, 406 not_acceptable, 410 gone, 422 outside_coverage, 422 ambiguous_apn, 422 ambiguous_address, 422 csv_cap_exceeded, 422 listings_unavailable, 422 agents_unavailable, 422 lenders_unavailable, 422 wholesale_unavailable, 422 str_unavailable, 422 cash_sale_unavailable, 422 auction_unavailable, 422 parcels_unavailable, 422 addresses_unavailable, 422 dated_refused, 422 history_unavailable, 400 quicklist_unavailable, 400 dataset_unavailable, 429 rate_limited, 500 internal_error, 503 database_unavailable, 503 pool_saturated, 503 ledger_unavailable, 504 statement_timeout. servers: - url: https://api.investorlift.com security: - bearerAuth: [] tags: - name: buyers x-group: Buyers description: >- Which investors are the best fit for this house: the API ranks nearby investors against a subject property and explains each score. - name: deals x-group: Deals description: >- What occurred around a location: deals for a table, cells for a map, summary stats, and one deal by id. - name: investors x-group: Investors description: >- Who the buyers are: investors active in an area, a full profile, and their metro-wide history. A search finds an investor by any name they buy under. - name: properties x-group: Properties description: >- One parcel: find it from a point or an APN, then read its facts, owner information, short-term rental licence and every deal on it. The owner information covers investor holdings and business-use short-term rentals. - name: agents x-group: Listing agents description: >- Who the listing agents are: find one by name or licence number, then read the profile and every listing of theirs. The profile holds the licence, the brokerages, the listing counts and the investors they belong to. - name: wholesale x-group: Investorlift listings description: >- Investorlift listings as wholesale transactions: the houses listed, and what the county deeds show for each (closed, to whom, which deed). Also the listing companies, and what each investor bought off Investorlift. - name: lenders x-group: Lenders description: >- Who lends on houses in a market: find a lender by any spelling of its name. Rank the lenders of a market, or of one ZIP, city or county. Read a profile: loans counted once across the open-lien and recorded-history tables, the open book, terms, geography and rankings. List every loan of one lender. - name: dataset x-group: Dataset and coverage description: >- What the API serves, how fresh it is and which data is available where. The dataset version and the last deed date of every market, for cache keys and freshness checks. The coverage matrix, with a place lookup. - name: contract x-group: By contract description: >- Routes sold per jurisdiction under an order form and not reachable on a self-serve key. Ask through the console. externalDocs: description: >- The documentation site: the guides, the walkthroughs, the error catalogue and the MCP connection steps. url: https://developers.investorlift.com paths: /v1/lenders/{id}: get: tags: - lenders summary: Get the profile of one lender description: >- One lender, one profile per market: every spelling folded into it, its class and hard-money flag, its loans counted once across both tables. Also its open book, the year and month series, the product mix, pricing, geography and rankings. The history sees about one open loan in five: a history count is a floor, and the union the origination count. A merged id redirects here (meta.resolved_from), and a retired one is 410 gone. For the loans use `/v1/lenders/{id}/loans`. [The identity, old ids and why counts are floors](https://developers.investorlift.com/api-reference/endpoints/lenders-get). operationId: getLender parameters: - schema: type: string minLength: 1 maxLength: 16 in: query name: market required: false description: >- Market code, for example phx. The loaded markets are in meta.coverage[]. It narrows markets[] to that market. If meta.coverage[] does not list it, the API answers 400. If the market has no published lender registry, the API answers 422 lenders_unavailable. Without it the API answers every loaded market the lender is in. - schema: default: 'false' type: string enum: - 'true' - 'false' in: query name: require_current required: false description: >- true refuses the request with 422 dated_refused while the registry's source, the financing slice, is a dated snapshot. The default false serves it, and meta.dated[] carries the lenders and financing blocks. - schema: type: string in: path name: id required: true description: >- Lender id, len_ followed by 12 hex characters, for example len_d2028f0766fc. Take it from a search hit, a ranking row's lender.id or a parcel's financing block. The id is the same in every market and stable across data refreshes. The API follows an id from an earlier registry run to the current lender, and meta.resolved_from lists it. For a retired id with no successor, the API answers 410 gone. responses: '200': description: >- The lender with a profile per market it is in. meta.resolved_from lists the old ids that redirected here. content: application/json: schema: type: object properties: data: $ref: '#/components/schemas/Lender' meta: $ref: '#/components/schemas/Meta' required: - data - meta additionalProperties: false description: >- The lender with a profile per market it is in. meta.resolved_from lists the old ids that redirected here. example: data: id: len_d2028f0766fc name: KIAVI FUNDING INC lender_class: NONBANK class_basis: NAME identity_basis: NAME_FOLD is_hard_money: true hard_money_basis: BOTH names: - KIAVI FUNDING INC - KIAVI FUNDING LLC - LENDINGHOME FUNDING CORP - LENDINGHOME FUNDING CORPORATION - LENDING HOME FUNDING CORPORATION n_names: 5 profile_gate: SERVED nmls: id: 1125207 url: >- https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1125207 n_loans_24m: 222 volume_24m: 116631491 n_open_liens: 332 open_balance: 102099717 n_markets: 1 markets: - market: phx name: KIAVI FUNDING INC lender_class: NONBANK class_basis: NAME identity_basis: NAME_FOLD is_hard_money: true hard_money_basis: BOTH names: - KIAVI FUNDING INC - KIAVI FUNDING LLC - LENDINGHOME FUNDING CORP - LENDINGHOME FUNDING CORPORATION - LENDING HOME FUNDING CORPORATION former_names: - LENDINGHOME FUNDING CORP - LENDINGHOME FUNDING CORPORATION - LENDING HOME FUNDING CORPORATION n_names: 5 n_loans: 577 n_loans_12m: 181 n_loans_24m: 222 volume_24m: 116631491 n_unpriced_24m: 0 n_blanket_positions_24m: 11 n_amount_excluded_24m: 0 n_parcels: 562 n_in_history: 331 n_in_history_12m: 36 n_in_history_24m: 56 n_open_24m: 197 n_in_both_24m: 31 n_open_liens: 332 n_open_first_liens: 308 n_open_junior_liens: 24 n_open_maturing_12m_from_as_of: null n_open_on_resold_parcels: 45 share_due_known: 0.141566 open_balance: 102099717 n_balance_excluded: 51 n_loans_lender_disagrees: 0 n_first_lien_24m: 192 n_heloc_24m: 0 n_construction_24m: 62 n_purchase_money_24m: 153 n_investor_loans_24m: 152 n_borrowers: 418 n_borrowers_24m: 109 is_investor_lender: true first_recording_date: '2014-02-25' last_recording_date: '2026-06-10' days_before_recordings_through: 1 active_12m_to_as_of: true n_before_2002: 0 n_undated: 0 by_year: - year: 2002 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: true - year: 2003 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: true - year: 2004 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: true - year: 2005 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: true - year: 2006 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: true - year: 2007 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: true - year: 2008 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: false - year: 2009 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: false - year: 2010 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: false - year: 2011 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: false - year: 2012 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: false - year: 2013 n_loans: 0 n_in_history: 0 n_open: 0 volume: 0 n_purchase: 0 n_investor: 0 median_amount: null floor: false - year: 2014 n_loans: 23 n_in_history: 23 n_open: 0 volume: 2465900 n_purchase: 4 n_investor: 18 median_amount: 82500 floor: false - year: 2015 n_loans: 18 n_in_history: 19 n_open: 0 volume: 2473800 n_purchase: 4 n_investor: 10 median_amount: 83850 floor: false - year: 2016 n_loans: 24 n_in_history: 22 n_open: 6 volume: 4259550 n_purchase: 1 n_investor: 3 median_amount: 143750 floor: false - year: 2017 n_loans: 84 n_in_history: 74 n_open: 24 volume: 19779055 n_purchase: 6 n_investor: 7 median_amount: 213500 floor: false - year: 2018 n_loans: 25 n_in_history: 15 n_open: 13 volume: 5351689 n_purchase: 7 n_investor: 3 median_amount: 227500 floor: false - year: 2019 n_loans: 4 n_in_history: 3 n_open: 1 volume: 1110900 n_purchase: 3 n_investor: 3 median_amount: 212950 floor: false - year: 2020 n_loans: 17 n_in_history: 11 n_open: 7 volume: 2851300 n_purchase: 6 n_investor: 15 median_amount: 150500 floor: false - year: 2021 n_loans: 34 n_in_history: 21 n_open: 20 volume: 9095050 n_purchase: 14 n_investor: 26 median_amount: 260500 floor: false - year: 2022 n_loans: 91 n_in_history: 64 n_open: 47 volume: 29674996 n_purchase: 16 n_investor: 65 median_amount: 307500 floor: false - year: 2023 n_loans: 25 n_in_history: 16 n_open: 12 volume: 9083184 n_purchase: 10 n_investor: 20 median_amount: 330000 floor: false - year: 2024 n_loans: 27 n_in_history: 18 n_open: 16 volume: 10451210 n_purchase: 6 n_investor: 24 median_amount: 375000 floor: false - year: 2025 n_loans: 69 n_in_history: 26 n_open: 55 volume: 39478719 n_purchase: 29 n_investor: 45 median_amount: 412250 floor: false - year: 2026 n_loans: 136 n_in_history: 19 n_open: 131 volume: 70904962 n_purchase: 122 n_investor: 91 median_amount: 375288 floor: false by_month: - month: 2023-07 'n': 0 volume: 0 market_n: 7604 share: 0 rank: null hard_money_market_n: 64 hard_money_rank: null n_purchase_money: 0 partial: false - month: 2023-08 'n': 1 volume: 521500 market_n: 8806 share: 0.000113559 rank: 552 hard_money_market_n: 68 hard_money_rank: 11 n_purchase_money: 0 partial: false - month: 2023-09 'n': 2 volume: 1081700 market_n: 6811 share: 0.000293643 rank: 280 hard_money_market_n: 50 hard_money_rank: 9 n_purchase_money: 1 partial: false - month: 2023-10 'n': 1 volume: 303300 market_n: 6769 share: 0.000147732 rank: 601 hard_money_market_n: 77 hard_money_rank: 22 n_purchase_money: 1 partial: false - month: 2023-11 'n': 1 volume: 277550 market_n: 5689 share: 0.000175778 rank: 562 hard_money_market_n: 70 hard_money_rank: 18 n_purchase_money: 0 partial: false - month: 2023-12 'n': 1 volume: 958300 market_n: 6456 share: 0.000154895 rank: 455 hard_money_market_n: 222 hard_money_rank: 13 n_purchase_money: 1 partial: false - month: 2024-01 'n': 0 volume: 0 market_n: 6421 share: 0 rank: null hard_money_market_n: 92 hard_money_rank: null n_purchase_money: 0 partial: false - month: 2024-02 'n': 1 volume: 405000 market_n: 7560 share: 0.000132275 rank: 572 hard_money_market_n: 76 hard_money_rank: 17 n_purchase_money: 1 partial: false - month: 2024-03 'n': 4 volume: 1416600 market_n: 8535 share: 0.000468658 rank: 251 hard_money_market_n: 167 hard_money_rank: 10 n_purchase_money: 2 partial: false - month: 2024-04 'n': 2 volume: 611500 market_n: 9431 share: 0.000212067 rank: 403 hard_money_market_n: 191 hard_money_rank: 18 n_purchase_money: 1 partial: false - month: 2024-05 'n': 1 volume: 630000 market_n: 9442 share: 0.00010591 rank: 584 hard_money_market_n: 89 hard_money_rank: 24 n_purchase_money: 0 partial: false - month: 2024-06 'n': 2 volume: 1140300 market_n: 8694 share: 0.000230044 rank: 360 hard_money_market_n: 160 hard_money_rank: 15 n_purchase_money: 0 partial: false - month: 2024-07 'n': 1 volume: 277000 market_n: 9652 share: 0.000103605 rank: 780 hard_money_market_n: 163 hard_money_rank: 29 n_purchase_money: 0 partial: false - month: 2024-08 'n': 1 volume: 232000 market_n: 10234 share: 0.000097714 rank: 781 hard_money_market_n: 80 hard_money_rank: 21 n_purchase_money: 0 partial: false - month: 2024-09 'n': 2 volume: 571410 market_n: 10224 share: 0.000195618 rank: 443 hard_money_market_n: 96 hard_money_rank: 13 n_purchase_money: 0 partial: false - month: 2024-10 'n': 3 volume: 2193450 market_n: 11654 share: 0.000257422 rank: 337 hard_money_market_n: 110 hard_money_rank: 9 n_purchase_money: 0 partial: false - month: 2024-11 'n': 8 volume: 2396450 market_n: 9260 share: 0.000863931 rank: 176 hard_money_market_n: 139 hard_money_rank: 4 n_purchase_money: 2 partial: false - month: 2024-12 'n': 2 volume: 577500 market_n: 9409 share: 0.000212562 rank: 430 hard_money_market_n: 104 hard_money_rank: 15 n_purchase_money: 0 partial: false - month: 2025-01 'n': 3 volume: 4534700 market_n: 7858 share: 0.000381777 rank: 251 hard_money_market_n: 112 hard_money_rank: 8 n_purchase_money: 0 partial: false - month: 2025-02 'n': 3 volume: 981450 market_n: 8389 share: 0.000357611 rank: 290 hard_money_market_n: 127 hard_money_rank: 12 n_purchase_money: 0 partial: false - month: 2025-03 'n': 11 volume: 4142296 market_n: 10507 share: 0.001046921 rank: 151 hard_money_market_n: 371 hard_money_rank: 4 n_purchase_money: 2 partial: false - month: 2025-04 'n': 4 volume: 834300 market_n: 11599 share: 0.000344857 rank: 313 hard_money_market_n: 118 hard_money_rank: 9 n_purchase_money: 2 partial: false - month: 2025-05 'n': 3 volume: 1556084 market_n: 10891 share: 0.000275457 rank: 328 hard_money_market_n: 147 hard_money_rank: 14 n_purchase_money: 1 partial: false - month: 2025-06 'n': 0 volume: 0 market_n: 10529 share: 0 rank: null hard_money_market_n: 159 hard_money_rank: null n_purchase_money: 0 partial: false - month: 2025-07 'n': 4 volume: 2988500 market_n: 10826 share: 0.000369481 rank: 265 hard_money_market_n: 170 hard_money_rank: 13 n_purchase_money: 2 partial: false - month: 2025-08 'n': 12 volume: 9080403 market_n: 10977 share: 0.001093195 rank: 144 hard_money_market_n: 129 hard_money_rank: 2 n_purchase_money: 4 partial: false - month: 2025-09 'n': 6 volume: 3581250 market_n: 12192 share: 0.000492126 rank: 241 hard_money_market_n: 151 hard_money_rank: 10 n_purchase_money: 3 partial: false - month: 2025-10 'n': 6 volume: 2669786 market_n: 12926 share: 0.000464181 rank: 276 hard_money_market_n: 196 hard_money_rank: 9 n_purchase_money: 4 partial: false - month: 2025-11 'n': 7 volume: 4839100 market_n: 10382 share: 0.000674244 rank: 206 hard_money_market_n: 191 hard_money_rank: 7 n_purchase_money: 5 partial: false - month: 2025-12 'n': 10 volume: 4270850 market_n: 12996 share: 0.000769468 rank: 204 hard_money_market_n: 252 hard_money_rank: 7 n_purchase_money: 6 partial: false - month: 2026-01 'n': 16 volume: 8799600 market_n: 9932 share: 0.001610954 rank: 115 hard_money_market_n: 247 hard_money_rank: 4 n_purchase_money: 14 partial: false - month: 2026-02 'n': 25 volume: 16022272 market_n: 11878 share: 0.002104731 rank: 86 hard_money_market_n: 280 hard_money_rank: 3 n_purchase_money: 22 partial: false - month: 2026-03 'n': 22 volume: 15088315 market_n: 14394 share: 0.001528415 rank: 112 hard_money_market_n: 437 hard_money_rank: 5 n_purchase_money: 20 partial: false - month: 2026-04 'n': 32 volume: 13615400 market_n: 13956 share: 0.002292921 rank: 82 hard_money_market_n: 376 hard_money_rank: 3 n_purchase_money: 29 partial: false - month: 2026-05 'n': 31 volume: 12585225 market_n: 12542 share: 0.002471695 rank: 78 hard_money_market_n: 372 hard_money_rank: 4 n_purchase_money: 28 partial: false - month: 2026-06 'n': 10 volume: 4794150 market_n: 4302 share: 0.0023245 rank: 78 hard_money_market_n: 195 hard_money_rank: 5 n_purchase_money: 9 partial: true by_product_24m: - value: OTHER 'n': 160 share: 0.720721 - value: CONSTRUCTION 'n': 62 share: 0.279279 by_term_band_24m: - value: UNKNOWN 'n': 189 share: 0.851351 - value: GE_360M 'n': 33 share: 0.148649 by_product_proxy_24m: - value: RENTAL_TERM 'n': 33 share: 0.148649 by_loan_type_24m: - value: Commercial 'n': 137 share: 0.617117 - value: Building or Construction Loan 'n': 62 share: 0.279279 - value: New Conventional 'n': 23 share: 0.103604 by_label_24m: [] n_unlabelled_24m: 56 by_property_type_24m: - value: Residential 'n': 222 share: 1 share_non_owner_occupied_24m: 0.688372 by_purpose_24m: - value: PURCHASE 'n': 153 share: 0.689189 - value: NOT_PURCHASE 'n': 68 share: 0.306306 - value: UNKNOWN 'n': 1 share: 0.004505 by_outcome_24m: - value: OPEN 'n': 65 share: 0.59633 - value: RESOLVED_BY_RESALE 'n': 43 share: 0.394495 - value: UNKNOWN 'n': 1 share: 0.009174 median_months_to_payoff: 3.7 terms: window: 24m amount: p25: 268200 p50: 380500 p75: 686025 'n': 222 rate: p25: 6.11 p50: 6.22 p75: 6.65 'n': 181 share_rated: 0.815315 term: median_months: 360 share_le_24m: null share_25_120m: null share_121_359m: null share_ge_360m: null 'n': 33 share_term_known: 0.148649 loan_to_avm: p25: 0.7486 p50: 0.8544 p75: 1.0706 'n': 197 loan_to_price: p25: 1.0515 p50: 1.1472 p75: 1.2638 'n': 153 estimated_payment_p50: 16665 geography: by_county: - value: '04013' n_24m: 222 n_all: 577 volume_24m: 116631491 share_of_lender: 1 rank_in_geo: 176 share_of_geo: 0.00085592 by_city: - value: PHOENIX n_24m: 88 n_all: 219 volume_24m: 40755939 share_of_lender: 0.396396 rank_in_geo: 126 share_of_geo: 0.001316341 - value: SCOTTSDALE n_24m: 41 n_all: 79 volume_24m: 41422297 share_of_lender: 0.184685 rank_in_geo: 82 share_of_geo: 0.002153814 - value: MESA n_24m: 16 n_all: 54 volume_24m: 6417550 share_of_lender: 0.072072 rank_in_geo: 224 share_of_geo: 0.000567295 - value: GLENDALE n_24m: 15 n_all: 40 volume_24m: 3997725 share_of_lender: 0.067568 rank_in_geo: 148 share_of_geo: 0.001015847 - value: TEMPE n_24m: 10 n_all: 19 volume_24m: 6083400 share_of_lender: 0.045045 rank_in_geo: 101 share_of_geo: 0.001732802 - value: GILBERT n_24m: 9 n_all: 28 volume_24m: 2661250 share_of_lender: 0.040541 rank_in_geo: 221 share_of_geo: 0.000583544 - value: CHANDLER n_24m: 8 n_all: 34 volume_24m: 2867750 share_of_lender: 0.036036 rank_in_geo: 224 share_of_geo: 0.000564772 - value: SURPRISE n_24m: 8 n_all: 16 volume_24m: 2203250 share_of_lender: 0.036036 rank_in_geo: 201 share_of_geo: 0.000527044 - value: PEORIA n_24m: 5 n_all: 19 volume_24m: 3366800 share_of_lender: 0.022523 rank_in_geo: 252 share_of_geo: 0.000386458 - value: BUCKEYE n_24m: 4 n_all: 8 volume_24m: 1264546 share_of_lender: 0.018018 rank_in_geo: 267 share_of_geo: 0.000308404 - value: SUN CITY WEST n_24m: 4 n_all: 6 volume_24m: 1108900 share_of_lender: 0.018018 rank_in_geo: 90 share_of_geo: 0.002004008 - value: GOODYEAR n_24m: 3 n_all: 11 volume_24m: 983284 share_of_lender: 0.013514 rank_in_geo: 247 share_of_geo: 0.000332447 - value: SUN CITY n_24m: 3 n_all: 6 volume_24m: 1140700 share_of_lender: 0.013514 rank_in_geo: 161 share_of_geo: 0.000766675 - value: AVONDALE n_24m: 2 n_all: 8 volume_24m: 330000 share_of_lender: 0.009009 rank_in_geo: 279 share_of_geo: 0.000376152 - value: QUEEN CREEK n_24m: 2 n_all: 5 volume_24m: 922600 share_of_lender: 0.009009 rank_in_geo: 326 share_of_geo: 0.000277624 - value: LITCHFIELD PARK n_24m: 1 n_all: 6 volume_24m: 223600 share_of_lender: 0.004505 rank_in_geo: 408 share_of_geo: 0.000272926 - value: LAVEEN n_24m: 1 n_all: 4 volume_24m: 381900 share_of_lender: 0.004505 rank_in_geo: 348 share_of_geo: 0.000220119 - value: TONOPAH n_24m: 1 n_all: 3 volume_24m: 297500 share_of_lender: 0.004505 rank_in_geo: 184 share_of_geo: 0.000821018 - value: TOLLESON n_24m: 1 n_all: 2 volume_24m: 202500 share_of_lender: 0.004505 rank_in_geo: 311 share_of_geo: 0.00030931 - value: CAVE CREEK n_24m: 0 n_all: 2 volume_24m: 0 share_of_lender: 0 rank_in_geo: null share_of_geo: null by_zip: - value: '85254' n_24m: 10 n_all: 16 volume_24m: 13894647 share_of_lender: 0.045045 rank_in_geo: 54 share_of_geo: 0.00325309 - value: '85040' n_24m: 10 n_all: 12 volume_24m: 2411950 share_of_lender: 0.045045 rank_in_geo: 34 share_of_geo: 0.005966587 - value: '85258' n_24m: 8 n_all: 12 volume_24m: 8691550 share_of_lender: 0.036036 rank_in_geo: 44 share_of_geo: 0.00464846 - value: '85301' n_24m: 7 n_all: 15 volume_24m: 1168800 share_of_lender: 0.031532 rank_in_geo: 49 share_of_geo: 0.00401837 - value: '85018' n_24m: 7 n_all: 12 volume_24m: 7311400 share_of_lender: 0.031532 rank_in_geo: 60 share_of_geo: 0.002911814 - value: '85251' n_24m: 6 n_all: 13 volume_24m: 3980250 share_of_lender: 0.027027 rank_in_geo: 67 share_of_geo: 0.002557545 - value: '85021' n_24m: 6 n_all: 6 volume_24m: 3621250 share_of_lender: 0.027027 rank_in_geo: 48 share_of_geo: 0.003771213 - value: '85032' n_24m: 5 n_all: 12 volume_24m: 2128100 share_of_lender: 0.022523 rank_in_geo: 104 share_of_geo: 0.00154321 - value: '85008' n_24m: 4 n_all: 13 volume_24m: 2125100 share_of_lender: 0.018018 rank_in_geo: 63 share_of_geo: 0.002700878 - value: '85016' n_24m: 4 n_all: 11 volume_24m: 2795700 share_of_lender: 0.018018 rank_in_geo: 94 share_of_geo: 0.001977261 - value: '85257' n_24m: 4 n_all: 11 volume_24m: 2275400 share_of_lender: 0.018018 rank_in_geo: 71 share_of_geo: 0.002525253 - value: '85282' n_24m: 4 n_all: 7 volume_24m: 1829900 share_of_lender: 0.018018 rank_in_geo: 87 share_of_geo: 0.002108593 - value: '85019' n_24m: 4 n_all: 6 volume_24m: 798350 share_of_lender: 0.018018 rank_in_geo: 56 share_of_geo: 0.004136505 - value: '85023' n_24m: 4 n_all: 6 volume_24m: 1671600 share_of_lender: 0.018018 rank_in_geo: 68 share_of_geo: 0.002469136 - value: '85255' n_24m: 4 n_all: 6 volume_24m: 6696800 share_of_lender: 0.018018 rank_in_geo: 123 share_of_geo: 0.001355014 - value: '85375' n_24m: 4 n_all: 6 volume_24m: 1108900 share_of_lender: 0.018018 rank_in_geo: 90 share_of_geo: 0.002004008 - value: '85086' n_24m: 4 n_all: 5 volume_24m: 4288293 share_of_lender: 0.018018 rank_in_geo: 106 share_of_geo: 0.001508865 - value: '85028' n_24m: 4 n_all: 4 volume_24m: 2435400 share_of_lender: 0.018018 rank_in_geo: 56 share_of_geo: 0.003187251 - value: '85033' n_24m: 3 n_all: 11 volume_24m: 609700 share_of_lender: 0.013514 rank_in_geo: 104 share_of_geo: 0.001616379 - value: '85308' n_24m: 3 n_all: 9 volume_24m: 1280450 share_of_lender: 0.013514 rank_in_geo: 155 share_of_geo: 0.000818331 - value: '85249' n_24m: 3 n_all: 8 volume_24m: 1431900 share_of_lender: 0.013514 rank_in_geo: 149 share_of_geo: 0.00103484 - value: '85035' n_24m: 3 n_all: 7 volume_24m: 802900 share_of_lender: 0.013514 rank_in_geo: 79 share_of_geo: 0.002120141 - value: '85250' n_24m: 3 n_all: 7 volume_24m: 1638200 share_of_lender: 0.013514 rank_in_geo: 84 share_of_geo: 0.002247191 - value: '85295' n_24m: 3 n_all: 7 volume_24m: 694500 share_of_lender: 0.013514 rank_in_geo: 154 share_of_geo: 0.001111523 - value: '85006' n_24m: 3 n_all: 6 volume_24m: 1145850 share_of_lender: 0.013514 rank_in_geo: 82 share_of_geo: 0.003064351 - value: '85009' n_24m: 3 n_all: 6 volume_24m: 974986 share_of_lender: 0.013514 rank_in_geo: 86 share_of_geo: 0.001908397 - value: '85260' n_24m: 3 n_all: 6 volume_24m: 1724550 share_of_lender: 0.013514 rank_in_geo: 155 share_of_geo: 0.001323335 - value: '85022' n_24m: 3 n_all: 5 volume_24m: 1418500 share_of_lender: 0.013514 rank_in_geo: 113 share_of_geo: 0.001285898 - value: '85204' n_24m: 3 n_all: 5 volume_24m: 2881700 share_of_lender: 0.013514 rank_in_geo: 114 share_of_geo: 0.00125261 - value: '85326' n_24m: 3 n_all: 5 volume_24m: 1007800 share_of_lender: 0.013514 rank_in_geo: 220 share_of_geo: 0.000357356 - value: '85208' n_24m: 3 n_all: 4 volume_24m: 594200 share_of_lender: 0.013514 rank_in_geo: 118 share_of_geo: 0.001539251 - value: '85304' n_24m: 3 n_all: 4 volume_24m: 1014475 share_of_lender: 0.013514 rank_in_geo: 91 share_of_geo: 0.002039429 - value: '85041' n_24m: 2 n_all: 11 volume_24m: 522300 share_of_lender: 0.009009 rank_in_geo: 236 share_of_geo: 0.000595948 - value: '85015' n_24m: 2 n_all: 9 volume_24m: 506910 share_of_lender: 0.009009 rank_in_geo: 151 share_of_geo: 0.001336898 - value: '85051' n_24m: 2 n_all: 9 volume_24m: 303000 share_of_lender: 0.009009 rank_in_geo: 169 share_of_geo: 0.001043297 - value: '85020' n_24m: 2 n_all: 8 volume_24m: 1038100 share_of_lender: 0.009009 rank_in_geo: 165 share_of_geo: 0.001028278 - value: '85383' n_24m: 2 n_all: 8 volume_24m: 2520000 share_of_lender: 0.009009 rank_in_geo: 250 share_of_geo: 0.000318522 - value: '85338' n_24m: 2 n_all: 7 volume_24m: 748684 share_of_lender: 0.009009 rank_in_geo: 261 share_of_geo: 0.000295639 - value: '85345' n_24m: 2 n_all: 7 volume_24m: 516300 share_of_lender: 0.009009 rank_in_geo: 208 share_of_geo: 0.00066357 - value: '85007' n_24m: 2 n_all: 6 volume_24m: 463800 share_of_lender: 0.009009 rank_in_geo: 89 share_of_geo: 0.00304878 - value: '85027' n_24m: 2 n_all: 5 volume_24m: 447300 share_of_lender: 0.009009 rank_in_geo: 180 share_of_geo: 0.001052078 - value: '85142' n_24m: 2 n_all: 5 volume_24m: 922600 share_of_lender: 0.009009 rank_in_geo: 326 share_of_geo: 0.000277624 - value: '85234' n_24m: 2 n_all: 5 volume_24m: 567900 share_of_lender: 0.009009 rank_in_geo: 214 share_of_geo: 0.000746826 - value: '85296' n_24m: 2 n_all: 5 volume_24m: 723850 share_of_lender: 0.009009 rank_in_geo: 202 share_of_geo: 0.000724113 - value: '85323' n_24m: 2 n_all: 5 volume_24m: 330000 share_of_lender: 0.009009 rank_in_geo: 189 share_of_geo: 0.000683293 - value: '85374' n_24m: 2 n_all: 5 volume_24m: 505100 share_of_lender: 0.009009 rank_in_geo: 179 share_of_geo: 0.000863185 - value: '85248' n_24m: 2 n_all: 4 volume_24m: 594000 share_of_lender: 0.009009 rank_in_geo: 187 share_of_geo: 0.000987167 - value: '85351' n_24m: 2 n_all: 4 volume_24m: 726000 share_of_lender: 0.009009 rank_in_geo: 162 share_of_geo: 0.000754717 - value: '85388' n_24m: 2 n_all: 4 volume_24m: 749800 share_of_lender: 0.009009 rank_in_geo: 193 share_of_geo: 0.000677277 - value: '85209' n_24m: 2 n_all: 3 volume_24m: 328250 share_of_lender: 0.009009 rank_in_geo: 180 share_of_geo: 0.000923361 n_zips_24m: 90 concentration_top3_zips: 0.126126 coverage: market: phx counties: - '04013' n_parcels_uncovered: 224192 as_of: '2026-06-25' recordings_through: '2026-06-11' dated: true history_capture_share: 0.183706 rankings: rank_24m: 176 share_24m: 0.000856 rank_by_volume_24m: 150 rank_in_class_24m: 123 rank_hard_money_24m: 5 share_of_hard_money_24m: 0.046202 rank_purchase_24m: 108 share_by_volume_24m: 0.001196 n_zips_ranked_first_24m: 0 n_cities_ranked_first_24m: 0 n_counties_ranked_first_24m: null borrowers: n_borrowers: 418 n_borrowers_24m: 109 n_resolved_24m: 85 share_resolved_24m: 0.779817 borrower_measured_share: 0.908146 n_repeat_24m: 32 n_new_12m: 78 n_churned_12m: 0 churn_measured: false top_borrowers: - borrower_key: 722461175d36 name: LR PROPERTIES LLC investor: id: inv_63c4b7a3aa67 name: LR PROPERTIES LLC display_name: LR PROPERTIES LLC kind: BUILDER kinds: - BUILDER - FLIPPER - WHOLESALER - LANDLORD scale: mid institutional: false n_deals: 62 last_bought_on: '2026-05-06' is_entity: true is_person: false borrower_match: ENTITY_NAME n_loans: 14 n_loans_24m: 14 volume_24m: 3325950 last_loan_on: '2026-05-12' - borrower_key: 5dfa009f2de4 name: ALPHA INVESTMENT GROUP AZ INC investor: id: inv_9a6a8f07a8c9 name: ALPHA INVESTMENT GROUP AZ INC display_name: ALPHA INVESTMENT GROUP AZ INC kind: FLIPPER kinds: - FLIPPER - WHOLESALER - LANDLORD scale: large institutional: false n_deals: 291 last_bought_on: '2026-08-19' is_entity: true is_person: false borrower_match: DEAL n_loans: 8 n_loans_24m: 8 volume_24m: 4568534 last_loan_on: '2026-06-01' - borrower_key: 556115d5641d name: PRS AZ 1 LLC investor: null is_entity: true is_person: false borrower_match: OWNER_OF_RECORD n_loans: 6 n_loans_24m: 6 volume_24m: 2538200 last_loan_on: '2025-03-28' - borrower_key: 6f79a741a269 name: BRYCE RE LLC investor: id: inv_b43ea3cbd8f7 name: BRYCE RE LLC display_name: BRYCE RE LLC kind: LANDLORD kinds: - LANDLORD scale: small institutional: false n_deals: 5 last_bought_on: '2024-11-20' is_entity: true is_person: false borrower_match: OWNER_OF_RECORD n_loans: 5 n_loans_24m: 5 volume_24m: 1345400 last_loan_on: '2024-11-25' - borrower_key: e1a6d19e29f2 name: MTS 7540 LLC investor: id: inv_22038fe8a6b7 name: MTS 7540 LLC display_name: MTS 7540 LLC kind: FLIPPER kinds: - FLIPPER - LANDLORD scale: mid institutional: false n_deals: 18 last_bought_on: '2026-08-05' is_entity: true is_person: false borrower_match: ENTITY_NAME n_loans: 4 n_loans_24m: 4 volume_24m: 1884000 last_loan_on: '2026-06-10' - borrower_key: eb6c06957756 name: ROMAN OFFERS LLC investor: id: inv_1641b2dbf2b8 name: ROMAN OFFERS LLC display_name: ROMAN OFFERS LLC kind: FLIPPER kinds: - FLIPPER - WHOLESALER - LANDLORD scale: mid institutional: false n_deals: 42 last_bought_on: '2026-08-21' is_entity: true is_person: false borrower_match: DEAL n_loans: 4 n_loans_24m: 4 volume_24m: 1236000 last_loan_on: '2026-05-15' - borrower_key: 3bfb431cf181 name: BETTER ASSETS AZ investor: id: inv_47e09d161ab4 name: BETTER ASSETS AZ INC display_name: BETTER ASSETS AZ INC kind: FLIPPER kinds: - FLIPPER - WHOLESALER - LANDLORD scale: large institutional: false n_deals: 106 last_bought_on: '2026-07-29' is_entity: true is_person: false borrower_match: DEAL n_loans: 5 n_loans_24m: 3 volume_24m: 1914510 last_loan_on: '2026-03-26' - borrower_key: 3f162f563199 name: ASTON DEVELOPMENT LLC investor: id: inv_21082668efac name: ASTON DEVELOPMENT LLC display_name: ASTON DEVELOPMENT LLC kind: FLIPPER kinds: - FLIPPER - BUILDER - WHOLESALER - LANDLORD scale: mid institutional: false n_deals: 49 last_bought_on: '2026-08-19' is_entity: true is_person: false borrower_match: ENTITY_NAME n_loans: 3 n_loans_24m: 3 volume_24m: 766050 last_loan_on: '2026-05-13' - borrower_key: 4203fa51bfd6 name: SPN ESTATES LLC investor: id: inv_5ef24b0ed413 name: SPN ESTATES LLC display_name: SPN ESTATES LLC kind: LANDLORD kinds: - LANDLORD scale: small institutional: false n_deals: 5 last_bought_on: '2018-12-18' is_entity: true is_person: false borrower_match: ENTITY_NAME n_loans: 3 n_loans_24m: 3 volume_24m: 694500 last_loan_on: '2026-04-30' - borrower_key: 55971d2e78c0 name: SARU MANAGEMENT LLC investor: id: inv_bc9ab275d4f6 name: SARU MANAGEMENT LLC display_name: SARU MANAGEMENT LLC kind: LANDLORD kinds: - LANDLORD scale: small institutional: false n_deals: 2 last_bought_on: '2025-02-10' is_entity: true is_person: false borrower_match: ENTITY_NAME n_loans: 3 n_loans_24m: 3 volume_24m: 586746 last_loan_on: '2025-04-08' competing_lenders: - lender: id: len_b959a8d2abef name: CAPITAL FUND I LLC lender_class: NONBANK is_hard_money: true n_shared_borrowers_24m: 6 n_shared_borrowers_all: 25 - lender: id: len_3b2d93fee452 name: MERCHANTS FUNDING AZ LLC lender_class: NONBANK is_hard_money: true n_shared_borrowers_24m: 5 n_shared_borrowers_all: 9 - lender: id: len_04af9cb68d51 name: CONSTRUCTION LOAN SERVICES LLC lender_class: NONBANK is_hard_money: false n_shared_borrowers_24m: 3 n_shared_borrowers_all: 3 - lender: id: len_e28e16f5bdfd name: UNITED WHOLESALE MORTGAGE LLC lender_class: NONBANK is_hard_money: false n_shared_borrowers_24m: 1 n_shared_borrowers_all: 16 - lender: id: len_0116ed5aef33 name: SELL WHOLESALE FUNDING LLC lender_class: NONBANK is_hard_money: true n_shared_borrowers_24m: 1 n_shared_borrowers_all: 7 - lender: id: len_223de92ccb91 name: KAYAK CAPITAL LLC lender_class: NONBANK is_hard_money: true n_shared_borrowers_24m: 1 n_shared_borrowers_all: 6 - lender: id: len_f62ae683c034 name: FAIRWAY INDEPENDENT MORTGAGE CORP lender_class: NONBANK is_hard_money: false n_shared_borrowers_24m: 1 n_shared_borrowers_all: 5 - lender: id: len_28c85b9d7495 name: EMPORIUM TPO LLC lender_class: NONBANK is_hard_money: false n_shared_borrowers_24m: 1 n_shared_borrowers_all: 3 - lender: id: len_6b0c46c8812e name: FRANK WEST CAPITAL LLC lender_class: NONBANK is_hard_money: true n_shared_borrowers_24m: 1 n_shared_borrowers_all: 3 - lender: id: len_856b687230d6 name: RCN CAPITAL LLC lender_class: NONBANK is_hard_money: true n_shared_borrowers_24m: 1 n_shared_borrowers_all: 3 person_names_redacted: false investor_lending: n_investor_loans: 330 n_investor_loans_12m: 122 n_investor_loans_24m: 152 share_investor_loans_24m: 0.684685 n_investors_24m: 78 by_investor_kind_24m: - value: LANDLORD 'n': 143 share: 0.940789 - value: FLIPPER 'n': 114 share: 0.75 - value: WHOLESALER 'n': 83 share: 0.546053 - value: BUILDER 'n': 44 share: 0.289474 n_deals_financed: 148 n_deals_financed_24m: 105 by_deal_kind: - value: hold 'n': 85 n_24m: 63 - value: flip 'n': 45 n_24m: 34 - value: long_hold 'n': 9 n_24m: 1 - value: other 'n': 6 n_24m: 4 - value: wholesale 'n': 3 n_24m: 3 n_auction_purchases_financed_24m: 1 n_wholesale_purchases_financed_24m: 11 top_investors: - investor: id: inv_63c4b7a3aa67 name: LR PROPERTIES LLC display_name: LR PROPERTIES LLC kind: BUILDER kinds: - BUILDER - FLIPPER - WHOLESALER - LANDLORD scale: mid institutional: false n_deals: 62 last_bought_on: '2026-05-06' n_loans_24m: 14 volume_24m: 3325950 last_loan_on: '2026-05-12' - investor: id: inv_9a6a8f07a8c9 name: ALPHA INVESTMENT GROUP AZ INC display_name: ALPHA INVESTMENT GROUP AZ INC kind: FLIPPER kinds: - FLIPPER - WHOLESALER - LANDLORD scale: large institutional: false n_deals: 291 last_bought_on: '2026-08-19' n_loans_24m: 8 volume_24m: 4568534 last_loan_on: '2026-06-01' - investor: id: inv_22038fe8a6b7 name: MTS 7540 LLC display_name: MTS 7540 LLC kind: FLIPPER kinds: - FLIPPER - LANDLORD scale: mid institutional: false n_deals: 18 last_bought_on: '2026-08-05' n_loans_24m: 6 volume_24m: 2574600 last_loan_on: '2026-06-10' - investor: id: inv_6013d0d5f618 name: BELLA RENOVATIONS LLC display_name: BELLA RENOVATIONS LLC kind: FLIPPER kinds: - FLIPPER - WHOLESALER - LANDLORD scale: mid institutional: false n_deals: 90 last_bought_on: '2026-08-13' n_loans_24m: 5 volume_24m: 1407600 last_loan_on: '2026-04-27' - investor: id: inv_b43ea3cbd8f7 name: BRYCE RE LLC display_name: BRYCE RE LLC kind: LANDLORD kinds: - LANDLORD scale: small institutional: false n_deals: 5 last_bought_on: '2024-11-20' n_loans_24m: 5 volume_24m: 1345400 last_loan_on: '2024-11-25' - investor: id: inv_1641b2dbf2b8 name: ROMAN OFFERS LLC display_name: ROMAN OFFERS LLC kind: FLIPPER kinds: - FLIPPER - WHOLESALER - LANDLORD scale: mid institutional: false n_deals: 42 last_bought_on: '2026-08-21' n_loans_24m: 4 volume_24m: 1236000 last_loan_on: '2026-05-15' - investor: id: inv_33f82b595b17 name: POLING WELLNESS LLC display_name: POLING WELLNESS LLC kind: FLIPPER kinds: - FLIPPER - BUILDER - WHOLESALER - LANDLORD scale: mid institutional: false n_deals: 45 last_bought_on: '2026-05-27' n_loans_24m: 3 volume_24m: 7653547 last_loan_on: '2026-03-30' - investor: id: inv_c4536f759290 name: SS ANTHEM LLC display_name: SS ANTHEM LLC kind: LANDLORD kinds: - LANDLORD scale: small institutional: false n_deals: 4 last_bought_on: '2011-12-13' n_loans_24m: 3 volume_24m: 3335700 last_loan_on: '2025-08-11' - investor: id: inv_bf3579cb4639 name: NEUPAD LLC display_name: NEUPAD LLC kind: FLIPPER kinds: - FLIPPER - LANDLORD scale: mid institutional: false n_deals: 15 last_bought_on: '2025-11-18' n_loans_24m: 3 volume_24m: 2237900 last_loan_on: '2025-11-20' - investor: id: inv_0d8fb4f85747 name: ALDER & FINCH LLC display_name: ALDER & FINCH LLC kind: FLIPPER kinds: - FLIPPER - WHOLESALER - LANDLORD scale: mid institutional: false n_deals: 13 last_bought_on: '2026-08-18' n_loans_24m: 3 volume_24m: 2135000 last_loan_on: '2026-06-03' is_investor_lender: true flips_financed: window_from: '2023-04-27' window_to: '2026-04-27' n_flips_captured: 38 capture_share: 0.03946 n_flips_by_known_borrowers: 925 n_resold: 38 n_resold_priced: 38 median_gross_profit: 150000 p25_gross_profit: 96175 p75_gross_profit: 294625 median_spread_ratio: 0.508437 median_hold_days: 123.5 median_loan_to_price: 1.1232 share_of_financed_flips: 0.044444 by_year: - year: 2023 n_flips_captured: 1 n_resold: 1 median_gross_profit: null - year: 2024 n_flips_captured: 3 n_resold: 3 median_gross_profit: null - year: 2025 n_flips_captured: 8 n_resold: 8 median_gross_profit: null - year: 2026 n_flips_captured: 26 n_resold: 26 median_gross_profit: 145000 takebacks: n_takebacks: 3 n_takebacks_24m: 0 by_instrument: - value: TRUSTEES_DEED 'n': 2 share: 0.666667 - value: DEED_IN_LIEU 'n': 1 share: 0.333333 n_loans_foreclosed: 0 n_takebacks_unlinked: 3 foreclosure_share: 0 median_days_takeback_to_resale: 102 is_auction_lender: false successor: null nmls: id: 1125207 url: >- https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1125207 id_history: [] summary: >- KIAVI FUNDING INC is a non-bank lender, flagged hard money by its name and its behaviour, with 222 loans recorded in the 24 months to 2026-06-25 (rank 176 among the market's lenders by loans in the window, 0.09% of its instruments), 332 open lien positions at that date and 577 instruments on file since 2014. Its window loans concentrate in PHOENIX (39.6% of them) and its largest ZIP is 85254 (4.5%). The product mix in the window is 72.1% other (conventional and everything not flagged), 27.9% construction. Registered investors took 68.5% of its window loans: an investor lender by behaviour, and it financed 105 investor purchases the deeds can tie to it; 153 of its window loans financed a purchase by the deeds. The term is known on 14.9% of its instruments (median 360 months); the median loan is $380,500. Its last recording is 2026-06-10, 1 day before the slice's last recording. Counts join the open-lien and recorded-history tables with an instrument counted once; the recorded history is a partial feed, so the older years are a floor. as_of: '2026-06-25' recordings_through: '2026-06-11' dated: true data_end: '2026-08-27' history_capture_share: 0.183706 history_floor_year: 2008 history_floor_p50: 2004 share_parcels_with_lost_history: 0.188759 purchase_measured: true investor_lending_measured: true flips_measured: true borrowers_measured: true takebacks_measured: true counties_measured: false meta: generated_at: '2026-09-15T12:00:00.000Z' coverage: - market: phx state: AZ counties: - fips: '04013' name: Maricopa data_end: '2026-08-12' - fips: '04021' name: Pinal data_end: '2026-08-06' bbox: - -113.332773 - 32.46915 - -110.455491 - 33.999503 data_end: '2026-08-27' build_run_id: 3 registry_run: 11 registry_version: v6-auction dataset_version: 1789533180 loaded_at: '2026-09-16T04:32:59.760Z' metro_buy_to_resale_ratio: 0.719 universe_kind: metro universe_zips: null point_tolerance_miles: 20 n_parcels: 1836311 listings_data_end: '2026-08-31' agents_data_end: '2026-08-31' wholesale_as_of: '2026-09-09' str_as_of: '2026-09-10' str: jurisdictions: - name: APACHE_JUNCTION regime: NOT_REQUIRED coverage_reason: NO_REQUIREMENT served: false snapshot_only: false licence_start: null snapshot_date: null feed_stale: false sources: [] n_licensed: 0 n_pending: 0 n_expired: 0 n_advertised: 0 share_unmatched: null share_assumed: null - name: AVONDALE regime: REQUIRED coverage_reason: REQUIRED_NOT_PUBLISHED served: false snapshot_only: false licence_start: null snapshot_date: null feed_stale: false sources: [] n_licensed: 0 n_pending: 0 n_expired: 0 n_advertised: 0 share_unmatched: null share_assumed: null auction_counted: true parcel_as_of: '2026-08-27' address_as_of: null parcel: parcel_as_of: '2026-08-27' n_parcels: 1836311 sale_mortgage_measured: false financing: as_of: '2026-06-25' dated: true dated_reason: dataset not in current delivery n_parcels: 1611957 n_with_open_lien: 1032808 n_free_and_clear: 579149 n_avm: 1528967 n_involuntary: 192400 n_lenders: 76212 permits: as_of: '2026-09-01' n_permits: 2377496 n_parcels: 663045 n_unmatched: 355 jurisdictions: - jurisdiction: PHOENIX n_permits: 795764 last_issue_date: '2026-05-11' windows_measured: null - jurisdiction: MESA n_permits: 330809 last_issue_date: '2026-05-29' windows_measured: null - jurisdiction: MARICOPA COUNTY n_permits: 217628 last_issue_date: '2027-10-17' windows_measured: null - jurisdiction: SCOTTSDALE n_permits: 182189 last_issue_date: '2024-11-05' windows_measured: null - jurisdiction: GOODYEAR n_permits: 173391 last_issue_date: '2025-04-02' windows_measured: null - jurisdiction: GILBERT n_permits: 160199 last_issue_date: '2025-04-07' windows_measured: null - jurisdiction: TEMPE n_permits: 102909 last_issue_date: '2025-12-29' windows_measured: null - jurisdiction: BUCKEYE n_permits: 94951 last_issue_date: '2026-03-18' windows_measured: null - jurisdiction: CHANDLER n_permits: 94942 last_issue_date: '2026-05-29' windows_measured: null - jurisdiction: PEORIA n_permits: 75435 last_issue_date: '2026-05-07' windows_measured: null - jurisdiction: QUEEN CREEK n_permits: 59103 last_issue_date: '2026-04-24' windows_measured: null - jurisdiction: null n_permits: 43845 last_issue_date: '2026-06-05' windows_measured: null - jurisdiction: PARADISE VALLEY n_permits: 23135 last_issue_date: '2026-04-24' windows_measured: null - jurisdiction: AVONDALE n_permits: 7961 last_issue_date: '2026-04-24' windows_measured: null - jurisdiction: MARICOPA n_permits: 5732 last_issue_date: '2026-12-12' windows_measured: null - jurisdiction: YOUNGTOWN n_permits: 3979 last_issue_date: '2026-06-05' windows_measured: null - jurisdiction: EL MIRAGE n_permits: 1971 last_issue_date: '2026-04-13' windows_measured: null - jurisdiction: YUMA n_permits: 1909 last_issue_date: '2009-01-15' windows_measured: null - jurisdiction: FOUNTAIN HILLS n_permits: 767 last_issue_date: '2026-05-21' windows_measured: null - jurisdiction: ELMIRAGE n_permits: 521 last_issue_date: '2025-08-08' windows_measured: null - jurisdiction: SUN CITY n_permits: 133 last_issue_date: null windows_measured: null - jurisdiction: COCONINO COUNTY n_permits: 63 last_issue_date: '2024-02-16' windows_measured: null - jurisdiction: PINAL COUNTY n_permits: 54 last_issue_date: '2022-07-21' windows_measured: null - jurisdiction: APACHE JUNCTION n_permits: 47 last_issue_date: '2025-05-13' windows_measured: null - jurisdiction: PIMA COUNTY n_permits: 21 last_issue_date: '2016-10-24' windows_measured: null - jurisdiction: WITTMANN n_permits: 8 last_issue_date: '2026-02-03' windows_measured: null - jurisdiction: JACKSON COUNTY n_permits: 7 last_issue_date: null windows_measured: null - jurisdiction: LEWISVILLE n_permits: 5 last_issue_date: '2024-02-07' windows_measured: null - jurisdiction: MONTGOMERY n_permits: 4 last_issue_date: '2023-06-05' windows_measured: null - jurisdiction: RIVERSIDE COUNTY n_permits: 3 last_issue_date: '2026-06-20' windows_measured: null - jurisdiction: LITCHFIELD PARK n_permits: 3 last_issue_date: null windows_measured: null - jurisdiction: APACHE JUNCTION - SEWER UTILITY n_permits: 2 last_issue_date: '2026-05-07' windows_measured: null - jurisdiction: FORT WORTH n_permits: 2 last_issue_date: null windows_measured: null - jurisdiction: YAVAPAI COUNTY n_permits: 1 last_issue_date: null windows_measured: null - jurisdiction: LOCUST GROVE n_permits: 1 last_issue_date: null windows_measured: null - jurisdiction: ORO VALLEY n_permits: 1 last_issue_date: null windows_measured: null - jurisdiction: TANGIPAHOA n_permits: 1 last_issue_date: '2019-05-28' windows_measured: null owner_profile: as_of: '2026-09-09' n_parcels: 1611077 n_multi: 646963 n_portfolio_5: 277841 history: first_week: '2025-07-24' last_week: '2026-09-09' zips: - '85251' n_parcels: 18774 n_events: 236022 n_weeks: 62 domains: tax: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 18597 deed: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 17615 sale: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 1700 listing: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 21122 mailing: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 2128 vacancy: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 2583 financing: first_week: '2025-12-02' last_week: '2026-06-25' n_events: 6420 occupancy: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 1297 ownership: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 3238 structure: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 2548 valuation: first_week: '2025-07-24' last_week: '2026-06-25' n_events: 83657 assessment: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 16450 owner_profile: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 58404 classification: first_week: '2025-07-24' last_week: '2026-09-09' n_events: 263 lenders: as_of: '2026-06-25' recordings_through: '2026-06-11' counties: - '04013' history_capture_share: 0.183706 n_lender_ids: 32046 purchase_measured: true investor_lending_measured: true flips_measured: true borrowers_measured: true takebacks_measured: true counties_measured: false dated: true n_parcels_uncovered: 224192 dated: - block: financing as_of: '2026-06-25' reason: dataset not in current delivery - block: lenders as_of: '2026-06-25' reason: dataset not in current delivery terms: >- Data: Investorlift Data Services. Public-record and MLS listing data licensed through BatchData; municipal short-term rental registries; Investorlift marketplace records. Attribution and data-use terms: https://developers.investorlift.com/guides/terms headers: ETag: $ref: '#/components/headers/ETag' X-Request-Id: $ref: '#/components/headers/X-Request-Id' X-Rows: $ref: '#/components/headers/X-Rows' X-Dataset-Version: $ref: '#/components/headers/X-Dataset-Version' X-Data-End: $ref: '#/components/headers/X-Data-End' '400': description: >- Bad request (dataset_unavailable, geometry_conflict, geometry_required, invalid_cursor, invalid_id, market_required, quicklist_unavailable, sort_requires_point, unknown_parameter, validation_error) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: geometry_conflict: summary: Geometry conflict value: type: >- https://developers.investorlift.com/guides/concepts/errors#geometry_conflict title: Geometry conflict status: 400 code: geometry_conflict detail: >- You cannot combine radius_miles with bbox. Send one geometry only. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 geometry_required: summary: Geometry required value: type: >- https://developers.investorlift.com/guides/concepts/errors#geometry_required title: Geometry required status: 400 code: geometry_required detail: >- The request needs one geometry: lat and lng with radius_miles, bbox, property_id, zip (a list) or city. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 invalid_cursor: summary: Invalid cursor value: type: >- https://developers.investorlift.com/guides/concepts/errors#invalid_cursor title: Invalid cursor status: 400 code: invalid_cursor detail: >- The API issued the cursor for another query. Restart from page 1. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 invalid_id: summary: Invalid id value: type: >- https://developers.investorlift.com/guides/concepts/errors#invalid_id title: Invalid id status: 400 code: invalid_id detail: >- An investor id is inv_ followed by 12 hex characters. The prefix is part of the id. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 market_required: summary: Market required value: type: >- https://developers.investorlift.com/guides/concepts/errors#market_required title: Market required status: 400 code: market_required detail: >- inv_0a20a550f33b exists in 2 loaded markets. Pass market=. The codes are in markets[]. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 markets: - phx - hou errors: - param: market message: one of phx, hou code: market_required sort_requires_point: summary: Sort requires a reference point value: type: >- https://developers.investorlift.com/guides/concepts/errors#sort_requires_point title: Sort requires a reference point status: 400 code: sort_requires_point detail: >- sort=distance needs a reference point: add lat and lng, or property_id. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 unknown_parameter: summary: Unknown parameter value: type: >- https://developers.investorlift.com/guides/concepts/errors#unknown_parameter title: Unknown parameter status: 400 code: unknown_parameter detail: >- The query carries a parameter this endpoint does not define: kind[]. Write the list as kind=flip,hold or as repeated keys. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 errors: - param: kind[] message: unknown parameter code: unknown_parameter validation_error: summary: Validation error value: type: >- https://developers.investorlift.com/guides/concepts/errors#validation_error title: Validation error status: 400 code: validation_error detail: radius_miles must be 20 or less. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 errors: - param: radius_miles message: must be 20 or less code: too_big headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '401': description: Unauthorized (unauthorized) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: unauthorized: summary: Unauthorized value: type: >- https://developers.investorlift.com/guides/concepts/errors#unauthorized title: Unauthorized status: 401 code: unauthorized detail: 'Send Authorization: Bearer with a current key.' instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '403': description: >- Forbidden (payment_overdue, plan_limit, quota_exceeded, subscription_required) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: plan_limit: summary: Plan limit value: type: >- https://developers.investorlift.com/guides/concepts/errors#plan_limit title: Plan limit status: 403 code: plan_limit detail: >- The free plan searches within 5 miles of a point, a viewport up to 10 miles across, or one ZIP code. Your zip parameter lists 2 ZIP codes. Upgrade in the developer console for city-wide and multi-ZIP searches. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 tier: free limit: geometry max_radius_miles: 5 max_bbox_diagonal_miles: 10 max_zips: 1 quota_exceeded: summary: Quota exceeded value: type: >- https://developers.investorlift.com/guides/concepts/errors#quota_exceeded title: Quota exceeded status: 403 code: quota_exceeded detail: >- Your requests spent the plan's credits for this billing period (5000 of 5000). Wait for the period to reset on the subscription's billing date, or upgrade in the developer console. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 used: 5000 line: 5000 subscription_required: summary: Subscription required value: type: >- https://developers.investorlift.com/guides/concepts/errors#subscription_required title: Subscription required status: 403 code: subscription_required detail: >- This key has no active plan subscription. Subscribe in the developer console. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 payment_overdue: summary: Payment overdue value: type: >- https://developers.investorlift.com/guides/concepts/errors#payment_overdue title: Payment overdue status: 403 code: payment_overdue detail: >- The subscription's payment is overdue and the grace period passed. Update the card under Manage Billing in the developer console. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '404': description: Not found (not_found) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: not_found: summary: Not found value: type: >- https://developers.investorlift.com/guides/concepts/errors#not_found title: Not found status: 404 code: not_found detail: No such deal in any loaded market. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '406': description: Not acceptable (not_acceptable) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: not_acceptable: summary: Not acceptable value: type: >- https://developers.investorlift.com/guides/concepts/errors#not_acceptable title: Not acceptable status: 406 code: not_acceptable detail: >- Accept text/html names no representation this endpoint produces (application/json). instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '410': description: >- Gone: a retired investor, agent or lender id, with superseded_by (gone) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: gone: summary: Gone value: type: >- https://developers.investorlift.com/guides/concepts/errors#gone title: Gone status: 410 code: gone detail: >- The registry retired investor inv_003c1db2782c in run 8 (RETIRED). No current investor holds its names. Use /v1/investors/search instead. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 superseded_by: null reason: RETIRED market: phx headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '422': description: >- Unprocessable (addresses_unavailable, agents_unavailable, ambiguous_address, ambiguous_apn, auction_unavailable, cash_sale_unavailable, dated_refused, history_unavailable, lenders_unavailable, listings_unavailable, outside_coverage, parcels_unavailable, str_unavailable, wholesale_unavailable) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: agents_unavailable: summary: Agents unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#agents_unavailable title: Agents unavailable status: 422 code: agents_unavailable detail: >- This market has no published agent registry. See meta.coverage[].agents_data_end. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 auction_unavailable: summary: Auction counts unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#auction_unavailable title: Auction counts unavailable status: 422 code: auction_unavailable detail: >- This market has no published foreclosure-auction counts: its registry predates them. So the API cannot answer buys_at_auction, buys_reo and bought_auction_kind there, and meta.coverage[].auction_counted is false for it. Drop the parameter to list every row. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 lenders_unavailable: summary: Lenders unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#lenders_unavailable title: Lenders unavailable status: 422 code: lenders_unavailable detail: >- Market hou has no published lender registry (meta.coverage[].lenders is null there). The API still serves the financing block on parcels where the slice is. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 markets: - hou listings_unavailable: summary: Listings unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#listings_unavailable title: Listings unavailable status: 422 code: listings_unavailable detail: >- You gave listing_status for a market with no published listing tables. See meta.coverage[].listings_data_end. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 outside_coverage: summary: Outside coverage value: type: >- https://developers.investorlift.com/guides/concepts/errors#outside_coverage title: Outside coverage status: 422 code: outside_coverage detail: >- The point 40.712776, -74.005974 is outside every loaded market's point tolerance (loaded: phx, hou). See meta.coverage[].bbox and point_tolerance_miles on any list response. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 str_unavailable: summary: Short-term rental data unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#str_unavailable title: Short-term rental data unavailable status: 422 code: str_unavailable detail: >- This market has no published short-term rental tables. See meta.coverage[].str_as_of. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 wholesale_unavailable: summary: Wholesale transactions unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#wholesale_unavailable title: Wholesale transactions unavailable status: 422 code: wholesale_unavailable detail: >- This market has no published Investorlift wholesale tables. See meta.coverage[].wholesale_as_of. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '429': description: Rate limited, with Retry-After (rate_limited) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: rate_limited: summary: Rate limited value: type: >- https://developers.investorlift.com/guides/concepts/errors#rate_limited title: Rate limited status: 429 code: rate_limited detail: >- The request exceeded the per-key budget. Retry in 12 seconds. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 retry_after: 12 bucket: key headers: Retry-After: $ref: '#/components/headers/Retry-After' X-Request-Id: $ref: '#/components/headers/X-Request-Id' '500': description: Internal error (internal_error) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: internal_error: summary: Internal error value: type: >- https://developers.investorlift.com/guides/concepts/errors#internal_error title: Internal error status: 500 code: internal_error detail: The request failed. Quote request_id when you report it. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' '503': description: >- Unavailable, with Retry-After on pool_saturated and ledger_unavailable (database_unavailable, ledger_unavailable, pool_saturated) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: database_unavailable: summary: Database unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#database_unavailable title: Database unavailable status: 503 code: database_unavailable detail: >- The service failed to reach the database and did not run the request. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 ledger_unavailable: summary: Ledger unavailable value: type: >- https://developers.investorlift.com/guides/concepts/errors#ledger_unavailable title: Ledger unavailable status: 503 code: ledger_unavailable detail: >- The credit ledger is unreachable. The API charged nothing. Retry in 5 seconds. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 retry_after: 5 pool_saturated: summary: Pool saturated value: type: >- https://developers.investorlift.com/guides/concepts/errors#pool_saturated title: Pool saturated status: 503 code: pool_saturated detail: >- No pooled connection was free. The service did not run the request. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: Retry-After: $ref: '#/components/headers/Retry-After' X-Request-Id: $ref: '#/components/headers/X-Request-Id' '504': description: Statement timeout (statement_timeout) content: application/problem+json: schema: $ref: '#/components/schemas/Problem' examples: statement_timeout: summary: Statement timeout value: type: >- https://developers.investorlift.com/guides/concepts/errors#statement_timeout title: Statement timeout status: 504 code: statement_timeout detail: >- The query exceeded the 10 second statement timeout. Narrow the geometry or filters. instance: /v1/lenders/{id} request_id: 6f1c2a8e-3b7d-4f21-9a0c-2e5b81d7a4f3 headers: X-Request-Id: $ref: '#/components/headers/X-Request-Id' components: schemas: Lender: type: object properties: id: type: string pattern: ^len_[0-9a-f]{12}$ description: >- Lender id: len_ followed by 12 hex characters, for example len_3f9a1c27b4e0. The registry mints the id from the lender's folded name, so the same lender carries the same id in every market, stable across data refreshes. A hand-kept dictionary row can merge two spellings into one lender. The API then follows the old id from the earlier registry run to that lender and lists it in meta.resolved_from. A retired id with no successor answers 410 gone. Store the whole id, prefix included, as the identity. name: type: string description: >- The lender's display name in its lead market, upper case as the file writes it, for example KIAVI FUNDING INC. The lead market is the market with the most loans in the window. The name can change under a stable id, so it is never a key. It is a business name, and the API serves it to every key. lender_class: type: string enum: - BANK - NONBANK - PRIVATE - INDIVIDUAL - GOVERNMENT description: >- A reading of the name, never a legal status. The parcel financing block carries the same reading. How the lender name reads. BANK: a bank, credit union or thrift. NONBANK: a mortgage company or other lending business. PRIVATE: a trust, a seller carry-back or another private party, not the hard-money sense of private lender, which the Lender object carries as is_hard_money. INDIVIDUAL: a person's name. GOVERNMENT: an agency or a public body. class_basis: anyOf: - type: string enum: - NAME - DICTIONARY description: >- Why the class reads as it does. NAME: the name rules of the registry, read on the folded name. The rules apply the government, bank, trust, lending and person vocabularies in that order. So KS STATEBANK reads BANK, and a trust with lender words reads NONBANK. DICTIONARY: a hand-kept row overrides the name's reading, for example BBVA USA as a BANK. Null on a registry built before the registry recorded a basis. - type: 'null' identity_basis: type: string enum: - NAME_FOLD - TRUNCATED_PREFIX - ALIAS_DICTIONARY description: >- How the registry ties the spelling to its lender: NAME_FOLD means the folded name alone joins them. The fold uses upper case, drops punctuation and entity suffixes and spells out abbreviations: WELLS FARGO BANK NA and WELLS FARGO BANK N.A. are one. TRUNCATED_PREFIX: the file cut the name at 30 or 40 characters, and the registry joined it to the one longer name that starts with it. ALIAS_DICTIONARY: a hand-kept row joined it, for a rename such as QUICKEN LOANS to ROCKET MORTGAGE, a trade name or a charter form. A row also covers a spelling the same instrument carries both ways. The registry never merges acquisitions. is_hard_money: type: boolean description: >- True when the name carries hard-money vocabulary or is a known hard-money brand, or when the book behaves like one. The field hard_money_basis says which, and the behaviour test needs the market's deed link. A PRIVATE lender_class is a trust or a seller carry-back, not this. The hard_money filter of the list reads this flag. hard_money_basis: anyOf: - type: string enum: - NAME - BEHAVIOUR - BOTH description: >- Why is_hard_money is true: NAME means the name carries hard-money vocabulary such as BRIDGE, FIX AND FLIP, REHAB, PRIVATE MONEY or a numbered FUND. A known brand such as KIAVI, LIMA ONE or RCN CAPITAL also counts as NAME. FUNDING, CAPITAL and LENDING alone never qualify. BEHAVIOUR: the lender is not a bank and has 20 or more loans since 2015. A quarter or more of those loans sit within 45 days of a registered investor's purchase. BOTH: name and behaviour. - type: 'null' description: >- Null when is_hard_money is false. Why is_hard_money is true: NAME means the name carries hard-money vocabulary such as BRIDGE, FIX AND FLIP, REHAB, PRIVATE MONEY or a numbered FUND. A known brand such as KIAVI, LIMA ONE or RCN CAPITAL also counts as NAME. FUNDING, CAPITAL and LENDING alone never qualify. BEHAVIOUR: the lender is not a bank and has 20 or more loans since 2015. A quarter or more of those loans sit within 45 days of a registered investor's purchase. BOTH: name and behaviour. names: type: array items: type: string description: One spelling, as the file writes it. description: >- Every spelling across the markets, the lead market's first. These are business names, and the API serves them to every key. n_names: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: How many spellings names holds. profile_gate: type: string enum: - SERVED - BELOW_PERSON_THRESHOLD - PLACEHOLDER description: >- The profile gate of the identity: SERVED means it has a profile, the only value a served lender carries. BELOW_PERSON_THRESHOLD: a person-named lender, class INDIVIDUAL or PRIVATE, with fewer than 10 loans or fewer than 5 parcels. Such a lender has no id, no search hit and no profile, and its name stays on the parcel financing block only. PLACEHOLDER: a name such as NOT AVAILABLE, NOT PROVIDED or UNKNOWN, with no id. The market's coverage counts the two hidden values, and the API never serves them as rows. nmls: anyOf: - $ref: '#/components/schemas/LenderNmls' - type: 'null' description: >- The NMLS id and the NMLS Consumer Access page it opens. The registry curates the id by hand for the largest lenders. The block is the lead market's, and the same lender carries one id everywhere. Null where the lender has no curated id, and on a registry built before phase 4. n_loans_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments recorded in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, summed over markets[]. volume_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Sum of the loan amounts of the priced instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, whole dollars, summed over markets[] after each market profile's exclusions. The exclusions count a blanket group once and leave out amounts above $5,000,000. 0 when none carries a price. n_open_liens: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Open lien positions at `as_of`, summed over markets[]. open_balance: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The lender's open balance after the exclusions each market profile describes, whole dollars, summed over markets[]. 0 when none. n_markets: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: 'How many markets the lender has a profile in: the length of markets.' markets: minItems: 1 type: array items: $ref: '#/components/schemas/LenderMarketProfile' description: >- The per-market profiles, most loans in the window first. One entry when market= names one. Each carries its own ranks, coverage, as_of and dated. The union totals above are their sums. required: - id - name - lender_class - class_basis - identity_basis - is_hard_money - hard_money_basis - names - n_names - profile_gate - nmls - n_loans_24m - volume_24m - n_open_liens - open_balance - n_markets - markets additionalProperties: false description: >- One lender: who it is, its totals across the loaded markets, and a profile per market. The identity is the names, the class, the hard-money flag and how the registry established the identity. Nothing in any delivery carries a lender's phone or email, so no such block exists. Meta: type: object properties: generated_at: type: string description: >- When the API produced this response, ISO 8601. It does not change the ETag. weights: description: >- The effective match weights, one per factor, rounded to 4 decimals (buyers/match only). The API rescales the weights of the scored factors to sum 1 before it reports them. type: object propertyNames: type: string additionalProperties: type: number reference_point: description: >- The point the API measures every distance in the response from: lat + lng, or the centre of the property_id parcel. Absent with a bare bbox. type: object properties: lat: type: number minimum: -90 maximum: 90 description: Latitude of the reference point. lng: type: number minimum: -180 maximum: 180 description: Longitude of the reference point. required: - lat - lng additionalProperties: false geometry: $ref: '#/components/schemas/MetaGeometry' description: >- The location that ran, defaults filled and keyed as the query is (see MetaGeometry), on REST only: the MCP meta carries reference_point alone. Present on every route that takes a location: the deal lists, summary and cells, the investors, wholesale listings and short-term rental parcels, and `/v1/buyers/match`. Also on the comps of a parcel, kind radius around the subject and property_id the subject, and on POST `/v1/properties/search` (a county-only body echoes nothing). The lender list and a lender's loans carry it when you gave a geometry, a zip or a city. They apply a geometry as the H3 res-8 cells whose centre lies inside it, and echo no county, because MetaGeometry has no county slot. Absent on a route with no location, and on `/v1/properties/resolve`, whose lat + lng is a hint for the nearest parcel, not an area that ran. resolved_from: description: >- Present when an id in the request was an old id from an earlier data refresh: the old ids the API followed, in order. The ids are the investor id, from the path or the investor_id filter, the agent id and the lender id. The lender id comes from the path of the lender routes, the financed_by filter or filters.financing.lender_id. Store the id the response carries, not the old one. type: array items: type: string pattern: ^(inv|agt|len)_[0-9a-f]{12}$ description: >- An investor id (inv_...), a listing agent id (agt_...) or a lender id (len_...). coverage: type: array items: $ref: '#/components/schemas/Coverage' description: >- The markets the response draws on, with their counties, data end dates and data versions. dated: description: >- Present when the response carries a block that is a dated snapshot at its as-of date, not current data. Those blocks are the financing, lien and valuation blocks of the parcel products. One entry per dated block, with its as-of date. Absent when nothing in the response is dated. type: array items: $ref: '#/components/schemas/Dated' terms: type: string description: Attribution and data-use terms for the data in this response. required: - generated_at - coverage - terms additionalProperties: false description: >- Response metadata: when the API produced it, which markets it covers, and how fresh they are. Problem: type: object properties: type: type: string description: >- URI of the problem: the Errors page of the documentation site, anchored at the code. title: type: string description: Short human-readable summary of the problem code. status: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: HTTP status. code: type: string description: >- Stable machine-readable code from the catalogue at https://developers.investorlift.com/problems.json. detail: type: string description: Human-readable explanation specific to this occurrence. instance: type: string description: Request path. request_id: type: string description: Request id to quote when you report a problem. errors: description: Per-parameter validation failures (400 only). type: array items: type: object properties: param: description: >- The offending parameter. Null when the problem is not about one parameter. type: - string - 'null' message: type: string description: What is wrong with it. code: type: string description: Machine-readable reason, for example invalid_enum_value. required: - param - message - code additionalProperties: false description: One validation failure. required: - type - title - status - code - detail - instance - request_id additionalProperties: {} description: >- RFC 9457 problem details (application/problem+json). Some codes add extra fields beside these: superseded_by, candidates, n_deals, cap, suggestion, markets, retry_after. LenderNmls: type: object properties: id: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The NMLS id (Nationwide Multistate Licensing System), for example 1120. The registry keeps it by hand for the largest lenders. url: type: string description: >- The NMLS Consumer Access page for that id, for example https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1120: the lender's licences and registrations as the regulators publish them. required: - id - url additionalProperties: false description: >- The NMLS id the registry keeps by hand for the largest lenders, and the NMLS Consumer Access page it opens. Null where the registry keeps none. LenderMarketProfile: type: object properties: market: type: string description: >- Market code, for example phx. The loaded markets are in meta.coverage[]. A lender has the same id in every market and a profile per market. name: type: string description: >- The lender's display name, upper case as the file writes it, for example KIAVI FUNDING INC. This is the spelling with the most rows in the window, or the newest spelling after a recorded rename. For example, ROCKET MORTGAGE LLC, not QUICKEN LOANS INC. It can change under a stable id. Never use it as a key. A business name, and the API serves it to every key. lender_class: type: string enum: - BANK - NONBANK - PRIVATE - INDIVIDUAL - GOVERNMENT description: >- A reading of the name, never a legal status. The parcel financing block carries the same reading. How the lender name reads. BANK: a bank, credit union or thrift. NONBANK: a mortgage company or other lending business. PRIVATE: a trust, a seller carry-back or another private party, not the hard-money sense of private lender, which the Lender object carries as is_hard_money. INDIVIDUAL: a person's name. GOVERNMENT: an agency or a public body. class_basis: anyOf: - type: string enum: - NAME - DICTIONARY description: >- Why the class reads as it does. NAME: the name rules of the registry, read on the folded name. The rules apply the government, bank, trust, lending and person vocabularies in that order. So KS STATEBANK reads BANK, and a trust with lender words reads NONBANK. DICTIONARY: a hand-kept row overrides the name's reading, for example BBVA USA as a BANK. Null on a registry built before the registry recorded a basis. - type: 'null' identity_basis: type: string enum: - NAME_FOLD - TRUNCATED_PREFIX - ALIAS_DICTIONARY description: >- How the registry ties the spelling to its lender: NAME_FOLD means the folded name alone joins them. The fold uses upper case, drops punctuation and entity suffixes and spells out abbreviations: WELLS FARGO BANK NA and WELLS FARGO BANK N.A. are one. TRUNCATED_PREFIX: the file cut the name at 30 or 40 characters, and the registry joined it to the one longer name that starts with it. ALIAS_DICTIONARY: a hand-kept row joined it, for a rename such as QUICKEN LOANS to ROCKET MORTGAGE, a trade name or a charter form. A row also covers a spelling the same instrument carries both ways. The registry never merges acquisitions. is_hard_money: type: boolean description: >- True when the name carries hard-money vocabulary or is a known hard-money brand, or when the book behaves like one. The field hard_money_basis says which, and the behaviour test needs the market's deed link. A PRIVATE lender_class is a trust or a seller carry-back, not this. The hard_money filter of the list reads this flag. hard_money_basis: anyOf: - type: string enum: - NAME - BEHAVIOUR - BOTH description: >- Why is_hard_money is true: NAME means the name carries hard-money vocabulary such as BRIDGE, FIX AND FLIP, REHAB, PRIVATE MONEY or a numbered FUND. A known brand such as KIAVI, LIMA ONE or RCN CAPITAL also counts as NAME. FUNDING, CAPITAL and LENDING alone never qualify. BEHAVIOUR: the lender is not a bank and has 20 or more loans since 2015. A quarter or more of those loans sit within 45 days of a registered investor's purchase. BOTH: name and behaviour. - type: 'null' description: >- Null when is_hard_money is false. Why is_hard_money is true: NAME means the name carries hard-money vocabulary such as BRIDGE, FIX AND FLIP, REHAB, PRIVATE MONEY or a numbered FUND. A known brand such as KIAVI, LIMA ONE or RCN CAPITAL also counts as NAME. FUNDING, CAPITAL and LENDING alone never qualify. BEHAVIOUR: the lender is not a bank and has 20 or more loans since 2015. A quarter or more of those loans sit within 45 days of a registered investor's purchase. BOTH: name and behaviour. names: type: array items: type: string description: One spelling, as the file writes it. description: >- Every spelling the two source tables use for this lender in this market, for example ["KIAVI FUNDING INC", "LENDINGHOME FUNDING CORP"]. The display name comes first, then the rest by rows in the window. Business names, and the API serves them to every key. former_names: type: array items: type: string description: One retired spelling. description: >- Spellings retired by a recorded rename, for example QUICKEN LOANS INC under ROCKET MORTGAGE LLC. Empty when none. n_names: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: How many spellings names holds. n_loans: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments on record with this lender as lender of record, all time, counted once across the open-lien and recorded-history tables. An instrument in both tables, with the same parcel, date and amount, counts once. So does a duplicated history slot. A floor: the history keeps 5 slots per parcel, and a paid-off loan is in neither table. n_loans_12m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The same over the 12 months ending on `as_of` (365 days, inclusive), as of `as_of`, the slice date, never the clock. n_loans_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The same over the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock: the number the lender list ranks by. It counts every instrument of any kind (purchase money, refinance, HELOC, construction). For a GOVERNMENT lender it counts insurance claims and partial-claim seconds recorded under the agency's name, not originations. volume_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Sum of the loan amounts of the priced instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, whole dollars, after the amount rule. The rule counts a blanket group once: one loan recorded across 5 or more parcels. It also leaves out amounts above $5,000,000, and n_amount_excluded_24m counts them. Such an amount is a facility amount the file records on every parcel a commercial facility covers. Without the rule, a bank's window volume is in the hundreds of billions. 0 when none carries a price. n_unpriced_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock with no amount on file. n_blanket_positions_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Open lien positions in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock inside a blanket group: the same lender, date and amount on 5 or more parcels. The rule leaves out credit lines and banks. Counted in n_loans_24m, collapsed in volume_24m and open_balance. n_amount_excluded_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock whose loan amount exceeds $5,000,000. The count n_loans_24m includes them. These leave them out: volume_24m, every volume in by_year, by_month and geography, and the terms.amount quartiles. The loan row keeps its amount and carries amount_outlier. n_parcels: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Distinct parcels carrying any of the lender's instruments, all time. n_in_history: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Recorded-history slots that name the lender, all time, duplicates included. This is what the history holds: a floor, never an activity measure. The field history_capture_share says how much of the open table it sees. n_in_history_12m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The same over the 12 months ending on `as_of` (365 days, inclusive), as of `as_of`, the slice date, never the clock. n_in_history_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The same over the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. n_open_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Open lien positions at `as_of` recorded in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, under the lender the open-lien table names. n_in_both_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock found in both tables: an open row and a recorded slot on the same parcel with the same date and amount. n_open_liens: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Open lien positions at `as_of` under the lender the open-lien table names, every position. "Open" is the vendor's state in the slice, not a reconveyance-checked book. n_open_first_liens: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Of those, position 1 (senior). n_open_junior_liens: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Of those, positions 2 to 4. n_open_maturing_12m_from_as_of: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Open lien positions whose maturity date falls in the 365 days after `as_of`. Null when fewer than half of the positions carry a maturity date (share_due_known), as on most hard-money books. n_open_on_resold_parcels: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Open lien positions on a parcel sold more than 30 days after the recording, per the deeds. The loan is probably paid off, and the slice does not show that. The field open_balance leaves them out. share_due_known: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of open lien positions that carry a maturity date, 0 to 1. Null when the lender has no open position. open_balance: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Sum of the estimated current balances of the open lien positions at `as_of`, whole dollars. The sum leaves out positions above $5,000,000, the repeats of a blanket group and positions on resold parcels. The field n_balance_excluded counts them. 0 when none survives. "Open" is the vendor's state in the slice, not a reconveyance-checked book. The API never serves the raw sum. n_balance_excluded: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Open lien positions left out of open_balance. n_loans_lender_disagrees: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments in both tables where the recorded history and the open table name different lenders. The cause is the insurer (HUD, the VA) against the servicer, or a spelling the dictionary does not join in this registry run. The history's lender is the lender of record. n_first_lien_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock whose open lien position is 1: what position=1 on the lender list counts. n_heloc_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock with product HELOC. n_construction_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock with product CONSTRUCTION. n_purchase_money_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock whose purpose is PURCHASE. PURCHASE means a priced deed on the parcel in the 45 days up to the recording, and by_purpose_24m has the rest. This is what sort=purchase_desc on the lender list orders by. Null while the market has no deed link (purchase_measured false). n_investor_loans_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock whose borrower resolves to a registered investor. The investor_lending block has the rest. Null while the market has no borrower match (investor_lending_measured false). n_borrowers: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Distinct borrowers (by key) with a loan from this lender, all time. The borrowers block has the rest. Null while the market has no borrower match (borrowers_measured false). n_borrowers_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- The same over the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. Null under the same rule. is_investor_lender: description: >- True when half or more of the window's instruments go to registered investors and the window holds 20 or more. Such a lender is an investor lender by behaviour, whatever the name says. The lender list keeps these under investor_only=true. Null while the market has no borrower match. type: - boolean - 'null' first_recording_date: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The oldest recording date on any of the lender's instruments, YYYY-MM-DD: a floor, since the history keeps 5 slots per parcel. Null when none is dated. last_recording_date: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: The newest recording date, YYYY-MM-DD. Null when none is dated. days_before_recordings_through: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Days from last_recording_date to recordings_through, for example 1 for a lender that records every week. Null when last_recording_date is null. active_12m_to_as_of: type: boolean description: >- True when n_loans_12m is at least 1: a loan recorded in the 12 months ending on `as_of` (365 days, inclusive), as of `as_of`, the slice date, never the clock. n_before_2002: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments recorded before 2002, outside by_year. The history begins in 2002, but an open lien can be older. n_undated: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments with no recording date on file: outside by_year and every window. by_year: type: array items: $ref: '#/components/schemas/LenderYear' description: >- Originations per calendar year from 2002 to the year of `as_of`, every year present, oldest first. The yearly n_loans values sum to the profile's n_loans less n_before_2002 and n_undated. by_month: type: array items: $ref: '#/components/schemas/LenderMonth' description: >- The 36 calendar months ending with the month of `as_of`, every month present, oldest first. Each month carries the lender's count, the market's count and the rank among lenders that month. The month of `as_of` is partial. by_product_24m: type: array items: type: object properties: value: type: string enum: - CONSTRUCTION - HELOC - OTHER description: >- What the file says the loan is, read from its flags and loan type and never from the label. CONSTRUCTION: the construction flag or a "Building or Construction Loan" type. HELOC: the credit-line flag or a "Credit Line (Revolving)" type. OTHER: everything else, that is a purchase-money or refinance mortgage of any kind. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments with this value among the lender's instruments in the window. share: type: number description: n divided by the lender's instruments in the window, 0 to 1. required: - value - 'n' - share additionalProperties: false description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock by product, largest first. The shares sum to 1. Empty when the lender has none in the window. by_term_band_24m: type: array items: type: object properties: value: type: string enum: - LE_24M - 25_TO_120M - 121_TO_359M - GE_360M - UNKNOWN description: >- The loan term in months, from the file's term where it carries one, else from the maturity date less the recording date. LE_24M: up to 24 months, the bridge and fix-and-flip range. 25_TO_120M: 25 to 120 months. 121_TO_359M: 121 to 359 months. GE_360M: 30 years and longer. UNKNOWN: neither a term nor a maturity on file, which is most hard-money rows. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments with this value among the lender's instruments in the window. share: type: number description: n divided by the lender's instruments in the window, 0 to 1. required: - value - 'n' - share additionalProperties: false description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock by term band, largest first. The shares sum to 1. by_product_proxy_24m: type: array items: type: object properties: value: type: string enum: - BRIDGE - RENTAL_TERM - RETAIL description: >- An inference from the term, not a fact the file states. BRIDGE: an OTHER product with a term of 24 months or less, a bridge or fix-and-flip loan. RENTAL_TERM: a term of 30 years or more from a hard-money lender, a DSCR rental loan. RETAIL: any other known term. Null when the term band is UNKNOWN. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments with this value among the lender's instruments in the window. share: type: number description: n divided by the lender's instruments in the window, 0 to 1. required: - value - 'n' - share additionalProperties: false description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock by the term-inferred product, largest first. Instruments with an UNKNOWN term band have no proxy, and the list leaves them out. So the shares sum to 1 less that band's share. by_loan_type_24m: type: array items: type: object properties: value: type: string description: >- The loan type as the file writes it, for example "New Conventional" or "FHA", or "Other" for the fold of the smallest types. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments with this value among the lender's instruments in the window. share: type: number description: n divided by the lender's instruments in the window, 0 to 1. required: - value - 'n' - share additionalProperties: false description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock by loan type, largest first. The list leaves out a blank type and "Unknown (DEFAULT)". At most 12 rows, with the smallest folded into "Other". by_label_24m: type: array items: type: object properties: value: type: string enum: - REFI_OR_SECOND - HELOC - RESALE_PURCHASE_MONEY - NEW_PURCHASE_MONEY - CONSTRUCTION - NON_RESIDENTIAL description: >- The file's transaction label, mapped to a closed list. REFI_OR_SECOND: refinance loans and second trust deeds, purchase and non-purchase money lumped together. RESALE_PURCHASE_MONEY: a purchase-money loan on a resale. NEW_PURCHASE_MONEY: a purchase-money loan on a new home. HELOC, CONSTRUCTION and NON_RESIDENTIAL: the file's label of that name. The purchase labels stop in January 2022, and a label never decides if a loan financed a purchase. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments with this value among the labelled recorded-history slots in the window. share: type: number description: >- n divided by the labelled recorded-history slots in the window, 0 to 1. required: - value - 'n' - share additionalProperties: false description: >- Recorded-history slots in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock by transaction label, largest first, over the labelled slots only. The field n_unlabelled_24m counts the rest. The open table leaves the label blank on most rows, so the block reads the history alone. n_unlabelled_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Recorded-history slots in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock with no label. by_property_type_24m: type: array items: type: object properties: value: type: string description: >- The parcel's property type category as the assessor feed writes it, for example "Residential", or "Other" for the fold of the smallest categories. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments with this value among the lender's instruments in the window. share: type: number description: n divided by the lender's instruments in the window, 0 to 1. required: - value - 'n' - share additionalProperties: false description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock by the parcel's property type category, largest first. The list leaves out parcels without one. At most 12 rows. share_non_owner_occupied_24m: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- Of the parcels that carry the lender's instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock whose occupancy is known, the share not owner-occupied, 0 to 1. An investor-lending signal. Null when none is known. by_purpose_24m: type: array items: type: object properties: value: type: string enum: - PURCHASE - NOT_PURCHASE - UNKNOWN description: >- The loan's purpose, that is if it financed a purchase, read from the recorded deeds and never from the file's label. PURCHASE: a priced deed on the parcel, $10,000 or more, is dated in the 45 days up to and including the recording date. A deed after the loan is a later sale, never this loan's purchase. NOT_PURCHASE: the deed registry covers those 45 days, the parcel has priced deeds, and none falls in them. Such a loan is a refinance, a second, a HELOC or a construction draw. UNKNOWN: the deed registry does not cover the window: its deeds or the parcel's deeds start after the loan, or the market has none. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments with this value among the lender's instruments in the window. share: type: number description: n divided by the lender's instruments in the window, 0 to 1. required: - value - 'n' - share additionalProperties: false description: >- Instruments in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock by purpose, largest first. The purposes are PURCHASE, NOT_PURCHASE and UNKNOWN, by the deed link. The shares sum to 1. Empty while the market has no deed link (purchase_measured false), and when the lender has none in the window. by_outcome_24m: type: array items: type: object properties: value: type: string enum: - RESOLVED_BY_RESALE - REFINANCED - OPEN - FORECLOSED - UNKNOWN description: >- What became of a loan tied to a deal: a performance proxy read from the deed chain, never from a delinquency record or payment history. RESOLVED_BY_RESALE is a priced deed on the parcel after the loan, and REFINANCED is a later mortgage on it in either table before any resale. OPEN is an open lien position at the slice date and nothing later, and UNKNOWN is none of these because the chain runs out. FORECLOSED: a take-back deed on the parcel more than 90 days after the loan's recording, before any priced resale and any later mortgage. A take-back deed is a trustee's deed, a sheriff's deed or a deed in lieu, and the foreclosed block on the loan row carries it. A shorter gap is the auction buyer's own deed, not a foreclosure of this loan. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments with this value among the captured loans recorded in the window. share: type: number description: >- n divided by the captured loans recorded in the window, 0 to 1. required: - value - 'n' - share additionalProperties: false description: >- The loans tied to a deal, recorded in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, by what became of them, largest first. A tied loan has deal set on the loan row. The shares sum to 1. A performance proxy from the deed chain, never delinquency. Empty while the market has no deal link (investor_lending_measured false), and when the slice captured none. median_months_to_payoff: description: >- Median months from recording to resolution, 1 decimal, over the loans tied to a deal with a resolution by resale or refinance in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. The resolution falls in the window, and the recording date can fall at any time. Null under 3, and while the market has no deal link. type: - number - 'null' terms: $ref: '#/components/schemas/LenderTerms' geography: $ref: '#/components/schemas/LenderGeography' coverage: $ref: '#/components/schemas/LenderCoverage' rankings: $ref: '#/components/schemas/LenderRankings' borrowers: anyOf: - $ref: '#/components/schemas/LenderBorrowers' - type: 'null' description: >- Who borrows from the lender: counts, repeats, churn (a lower bound), the largest borrowers (never a person's name) and the competing lenders. Null while the market has no borrower match (borrowers_measured false). investor_lending: anyOf: - $ref: '#/components/schemas/LenderInvestorLending' - type: 'null' description: >- How much of the book funds registered investors, the deals financed and the largest investors. Null while the market has no deal registry or no borrower match (investor_lending_measured false). flips_financed: anyOf: - $ref: '#/components/schemas/LenderFlipsFinanced' - type: 'null' description: >- The flips the lender financed on the purchases the slice can tie to a loan. The block gives the resale margins where 20 or more resold with both prices. Null while the market has no flip measure (flips_measured false). takebacks: anyOf: - $ref: '#/components/schemas/LenderTakebacks' - type: 'null' description: >- The properties the lender took back since 2016 by a trustee's deed, a sheriff's deed or a deed in lieu that names it as grantee. The block also gives the foreclosure share of its captured loans and says if it is an auction lender. Null while the market has no take-back join (takebacks_measured false), and on a registry built before the place rankings. successor: anyOf: - $ref: '#/components/schemas/LenderSuccessor' - type: 'null' description: >- The lender this one is part of, an acquirer or a parent recorded by hand: its id, name, class, hard-money flag and kind. The registry never merges the books: this lender's loans stay under this id. Null when the registry records none, when the successor has no profile in the market, and on a registry built before phase 4. nmls: anyOf: - $ref: '#/components/schemas/LenderNmls' - type: 'null' description: >- The NMLS id, curated by hand for the largest lenders, and the NMLS Consumer Access page it opens. Null where uncurated (most lenders), and on a registry built before phase 4. id_history: type: array items: $ref: '#/components/schemas/LenderIdHistoryEntry' description: >- Ids retired into this lender by a merge, oldest run first. Each one continues to answer on GET `/v1/lenders/{id}` and on its loans and borrowers routes, and meta.resolved_from names it. Empty when none, and on a registry built before phase 4. summary: type: string description: >- One paragraph on the lender, written from the served numbers at build time. It covers class, hard money, scale, rank and share, top geography, product mix and last recording. Every build regenerates it, and no one writes it by hand. It never quotes a margin and never says LTV. as_of: type: string description: >- The slice date, YYYY-MM-DD. The API measures every count on this profile at it. Dated: see meta.dated[]. recordings_through: type: string description: >- The newest recording date in either source table, YYYY-MM-DD. The API measures recency against it. dated: type: boolean description: >- True while the Recorder & Mortgage datasets are not in the current delivery: this profile is a snapshot at as_of. data_end: type: string description: >- The market's deed data end date, YYYY-MM-DD. The API measures the resold-parcel test, the deed link and the outcome chain against it. The registry's own slice date is as_of. history_capture_share: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of open lien positions recorded since 2022 that the recorded history also carries within 3 days, 0 to 1 (for example 0.18). This share is why a history count is a floor. history_floor_year: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The year by which 90% of the parcels with a full history (5 slots) lost older mortgages, for example 2008. The by_year rows before it are floors. history_floor_p50: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The median year of the oldest kept mortgage on those parcels, for example 2004. share_parcels_with_lost_history: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of parcels with a recorded history whose 5 slots are full, 0 to 1 (for example 0.19). The recorded history dropped their older mortgages. purchase_measured: type: boolean description: >- True when the market has a deed link and the API serves the purchase-money counts. Those counts are purpose on the loan rows, by_purpose_24m, n_purchase_money_24m, terms.loan_to_price and rankings.rank_purchase_24m. False while the market has no deed link, and every such count is then null. investor_lending_measured: type: boolean description: >- True when the market has the deal link and the borrower match, and the API serves the investor_lending block. The API then also serves the deal block, the outcome and the investor ids on the loan rows. False while the market does not have them. flips_measured: type: boolean description: >- True when the registry measures the flips the lender financed and the API serves the flips_financed block. False while it does not. borrowers_measured: type: boolean description: >- True when the market has the borrower fold and the API serves the borrowers block, n_borrowers and the borrowers route. False while it does not. takebacks_measured: type: boolean description: >- True when the registry carries the foreclosure take-backs. False while it does not. counties_measured: type: boolean description: >- True when the slice has more than one county, so a county ranking means something. False while the slice covers one county. required: - market - name - lender_class - class_basis - identity_basis - is_hard_money - hard_money_basis - names - former_names - n_names - n_loans - n_loans_12m - n_loans_24m - volume_24m - n_unpriced_24m - n_blanket_positions_24m - n_amount_excluded_24m - n_parcels - n_in_history - n_in_history_12m - n_in_history_24m - n_open_24m - n_in_both_24m - n_open_liens - n_open_first_liens - n_open_junior_liens - n_open_maturing_12m_from_as_of - n_open_on_resold_parcels - share_due_known - open_balance - n_balance_excluded - n_loans_lender_disagrees - n_first_lien_24m - n_heloc_24m - n_construction_24m - n_purchase_money_24m - n_investor_loans_24m - n_borrowers - n_borrowers_24m - is_investor_lender - first_recording_date - last_recording_date - days_before_recordings_through - active_12m_to_as_of - n_before_2002 - n_undated - by_year - by_month - by_product_24m - by_term_band_24m - by_product_proxy_24m - by_loan_type_24m - by_label_24m - n_unlabelled_24m - by_property_type_24m - share_non_owner_occupied_24m - by_purpose_24m - by_outcome_24m - median_months_to_payoff - terms - geography - coverage - rankings - borrowers - investor_lending - flips_financed - takebacks - successor - nmls - id_history - summary - as_of - recordings_through - dated - data_end - history_capture_share - history_floor_year - history_floor_p50 - share_parcels_with_lost_history - purchase_measured - investor_lending_measured - flips_measured - borrowers_measured - takebacks_measured - counties_measured additionalProperties: false description: >- The lender in one market. The profile carries its names and class, and its originations counted once across the open-lien and recorded-history tables, all time, 12 and 24 months. It also carries its open book, the year and month series against the market, and the product, term and label mix. It also carries pricing and terms, geography, coverage and rankings. Every window ends on as_of, the slice date. Every value is a dated snapshot. MetaGeometry: type: object properties: kind: type: string enum: - radius - bbox - place description: >- Which location ran: radius, bbox or place. A radius is a point with radius_miles, or a property_id request, which runs around the parcel centroid. A bbox is a viewport. A place is a ZIP list or a postal city. lat: anyOf: - type: number minimum: -90 maximum: 90 description: WGS84 latitude. - type: 'null' description: >- The centre of the radius, or the reference point you gave beside a bbox or a place. For a property_id request the centre is the parcel centroid. Null when a bbox or a place had no reference point. lng: anyOf: - type: number minimum: -180 maximum: 180 description: WGS84 longitude. - type: 'null' description: The longitude beside lat. Null when lat is null. radius_miles: description: >- The radius that ran, in miles: the value you sent, or the default when you sent none. The default is 2 on the GET lists and 1 around property_id on POST `/v1/properties/search`. Null for a bbox or a place. type: - number - 'null' bbox: anyOf: - type: array prefixItems: - type: number minimum: -180 maximum: 180 description: West edge (longitude). - type: number minimum: -90 maximum: 90 description: South edge (latitude). - type: number minimum: -180 maximum: 180 description: East edge (longitude). - type: number minimum: -90 maximum: 90 description: North edge (latitude). items: false minItems: 4 maxItems: 4 description: '[west, south, east, north] in WGS84 degrees.' - type: 'null' description: >- The viewport as [west, south, east, north] in WGS84 degrees. Null unless kind is bbox. property_id: anyOf: - type: string pattern: ^prop_[0-9a-f]{32}$ description: >- Parcel id: prop_ followed by 32 hex characters, for example prop_e93c776c53354a88de4e58448a6bf21b. The prefix is part of the id. - type: 'null' description: >- The parcel at the centre of the radius. Null unless the request named property_id. zip: anyOf: - type: array items: type: string pattern: ^\d{5}$ - type: 'null' description: >- The ZIP list as you sent it, for example ["85251", "85257"]. Null unless kind is place and the request named ZIPs. city: description: >- The postal city as the API compared it: trimmed and folded to upper case ("Scottsdale" ran as "SCOTTSDALE"). Null unless kind is place and the request named a city. type: - string - 'null' required: - kind - lat - lng - radius_miles - bbox - property_id - zip - city additionalProperties: false description: >- The location the API computed the response over, as it ran: defaults filled, a parcel resolved to its centroid, a city folded. Copy it back as the query to repeat the request. Coverage: type: object properties: market: type: string description: Market code, for example phx. One entry per loaded market. state: type: string description: >- 2-letter state of the market. The loaded markets and their states are in meta.coverage[]. counties: type: array items: type: object properties: fips: type: string description: The 5-digit county FIPS code, for example 04013. name: type: string description: County name, for example Maricopa. data_end: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The last deed date on file for this county, YYYY-MM-DD. Null when the county carries no dated deed. required: - fips - name - data_end additionalProperties: false description: One county the loaded area lies in. description: >- The counties the loaded area lies in, each with its own data end date. For a zip market the list names the county, but the loaded area is only the ZIP (see universe_kind). bbox: type: array prefixItems: - type: number minimum: -180 maximum: 180 description: West edge (longitude). - type: number minimum: -90 maximum: 90 description: South edge (latitude). - type: number minimum: -180 maximum: 180 description: East edge (longitude). - type: number minimum: -90 maximum: 90 description: North edge (latitude). items: false minItems: 4 maxItems: 4 description: >- The rectangle (west, south, east, north) that encloses every deal in the market: the initial map viewport and, with point_tolerance_miles, the limit for outside_coverage. data_end: type: string description: >- The last deed date in the data, YYYY-MM-DD. The API measures every "days since" value from this data_end, never from the request time. build_run_id: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Which pipeline build produced the data. Informational: use dataset_version for caching. Null when the data does not record it. registry_run: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Which investor registry run produced the data. Informational: use dataset_version for caching. Null when the data does not record it. registry_version: description: >- Which registry code version produced the data. Informational: use dataset_version for caching. Null when the data does not record it. type: - string - 'null' dataset_version: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Version of the loaded data, an integer that grows with every refresh. It is the cache key and the ETag, and every cursor binds to it. loaded_at: type: string description: When this data version went live, ISO 8601. metro_buy_to_resale_ratio: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The median of purchase price divided by resale price over the market's priced flips since 2021. For example, 0.72 means flippers pay about 72% of the resale price. The price_fit factor uses it when an investor has too few flips of their own. Null when no priced flips exist. universe_kind: anyOf: - type: string enum: - zip - county - metro description: >- The area every count in this market covers: metro, county or zip. A metro market covers whole counties. A county market covers one county. The market cannot see what an investor did in the neighbouring counties. A zip market covers one or more ZIP codes. The market cannot see what an investor did outside them, a larger gap. In a county or zip market every investor count, price band, scale tier and confidence is a floor. - type: 'null' description: >- Null when the market row does not record it, a seed older than the column. The area every count in this market covers: metro, county or zip. A metro market covers whole counties. A county market covers one county. The market cannot see what an investor did in the neighbouring counties. A zip market covers one or more ZIP codes. The market cannot see what an investor did outside them, a larger gap. In a county or zip market every investor count, price band, scale tier and confidence is a floor. universe_zips: anyOf: - type: array items: type: string description: A 5-digit ZIP. - type: 'null' description: >- The ZIP codes of a zip universe, for example ["77088"]. Null for county and metro markets. point_tolerance_miles: type: number description: >- How far outside bbox a point can lie and get an answer, in miles: 20 for a metro, 2 for a county market. The point is lat + lng, or the centre of a property_id parcel. Farther out, the API answers 422 outside_coverage. A bbox must intersect the coverage bbox. n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Parcels in the loaded area, the universe every count covers. Null when the data does not record it. listings_data_end: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The as-of date of the MLS listing feed for this market, YYYY-MM-DD: the newest status update among its listing rows, later than data_end. The deeds and the listings arrive in one delivery, each with its own end. The API measures every listing window (days_on_market, n_listed_12m) against this date. Null when this market has no published listing tables. Every listing block and listings rollup is null then, and the correct reading is "no listing data". agents_data_end: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The as-of date of the listing set behind the agent registry of this market, YYYY-MM-DD. It equals listings_data_end when the registry is current. It is earlier when a refresh moved the listings but left the agents on the older set. Null when this market has no published agent tables. Then every agent_id, identity_basis and agent_is_holder_member on the listing agents is null, and the investor profile carries has_licensed_member and agent_links null. The /v1/agents routes then answer 422 agents_unavailable. wholesale_as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The date of the Investorlift export behind the market's wholesale transactions, YYYY-MM-DD. Every Investorlift listing published up to this date is on file. The API measures every wholesale window (n_listed_12m, n_bought_via_investorlift_12m) against the deed data_end. Null when this market has no published wholesale tables. Then every wholesale_listing block on deal rows, wholesale_purchases block on investor rows and wholesale_listings[] on a parcel is null. Then /v1/wholesale-listings, /v1/wholesalers, `/v1/investors/{id}/wholesale-purchases` and the source=investorlift and bought_on_investorlift filters answer 422 wholesale_unavailable. str_as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The short-term rental snapshot of this market, YYYY-MM-DD: the oldest snapshot date among its served jurisdictions. Each jurisdiction's own date is in str.jurisdictions[].snapshot_date and on every block as data_as_of. Null when this market has no published short-term rental tables, or when the API serves none of its jurisdictions. Then every short_term_rental block on parcels and hold rows and every str roll-up on investor rows is null. Then the str_status, str_business_use, str_operator and str_holdings_min filters and /v1/str-parcels answer 422 str_unavailable. str: anyOf: - type: object properties: jurisdictions: type: array items: $ref: '#/components/schemas/StrCoverageJurisdiction' description: >- Every city of the market the short-term rental build knows, served or not. This list, not the parcel, explains a null block on a parcel: read the city's coverage_reason. required: - jurisdictions additionalProperties: false - type: 'null' description: >- The short-term rental jurisdiction table of this market. Null when this market has no published short-term rental tables. auction_counted: type: boolean description: >- True when this market measures the foreclosure-auction and REO purchase counts. Then every investor row carries the auction block (investor.auction) and deal rows carry bought_auction_kind. False when the market's registry build came before the counts existed. Then the block is null on every investor of the market, and bought_auction_kind is null on every deal. The buys_at_auction, buys_reo and bought_auction_kind filters then answer 422 auction_unavailable. parcel_as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The deed data end that the build of the parcel product layer used, YYYY-MM-DD. The layer serves POST /v1/properties/search and the financing, permit and history routes. Null when this market has no published parcel product tables: those routes then answer 422 parcels_unavailable. address_as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The deed data end of the address table behind GET /v1/properties/resolve?address, YYYY-MM-DD. Null when this market has no published address table. The address lookup answers 422 addresses_unavailable while no market carries the table. parcel: anyOf: - $ref: '#/components/schemas/ParcelCoverage' - type: 'null' description: >- What the parcel products cover in this market. The parts are the layer, the dated financing slice, the permit snapshot, the Owner Profile block and the history lake with its ZIP set. Null when this market has no published parcel product tables. lenders: anyOf: - type: object properties: as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The slice date behind the lender registry, YYYY-MM-DD. It equals parcel.financing.as_of. recordings_through: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The newest recording date in either source table, YYYY-MM-DD. The API measures every recency on a lender against this date. counties: type: array items: type: string description: A 5-digit county FIPS. description: >- The counties the lender registry covers. A ZIP, city or county outside them answers 422 outside_coverage. history_capture_share: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of open lien positions recorded since 2022 that the recorded history also carries within 3 days, 0 to 1. It says how much of the open table the history sees. n_lender_ids: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Lender ids served in the market: the identities with a profile, after the person gate. parcel.financing.n_lenders counts raw spellings, several per id. purchase_measured: type: boolean description: >- True when the market has the deed link. Then the API serves purpose and the deed block on the loan rows, and the purchase-money counts and ranks on the lenders. It also serves the lender list's purpose, investor_only and purchase_desc parameters. False on a registry built before the deed link: every such value is null, and those parameters answer 422 lenders_unavailable. investor_lending_measured: type: boolean description: >- True when the market has the deal link and the borrower match. Then the API serves the deal block, outcome and investor ids on the loan rows, and the investor_lending block on the profiles. It also serves the financing block on deal rows and the financing sidecar on investor profiles. False otherwise: every one of those is null. flips_measured: type: boolean description: >- True when the market measures the flips each lender financed, the flips_financed block on the profiles. False otherwise: the block is null. borrowers_measured: type: boolean description: >- True when the market has the borrower fold. Then the API serves borrower keys on the loan rows, the borrowers block on the profiles, GET `/v1/lenders/{id}/borrowers` and the financed_by and uses_private_lender filters. False otherwise: the block is null, and the route and the filters answer 422 lenders_unavailable. takebacks_measured: type: boolean description: >- True when the registry of this market includes the foreclosure take-backs. That needs the auction deed tables built and the lender members present. Then the API serves the takebacks block on the profiles, the foreclosed block on the loan rows and the FORECLOSED outcome. False otherwise: the block is null on every profile, and foreclosed is null on every loan row. counties_measured: type: boolean description: >- True when the market has more than one loaded county, so a county ranking means something: rankings.n_counties_ranked_first_24m on the profiles. False while the slice covers one county: that count is null. dated: description: >- True when the registry is a snapshot valued at as_of, like the financing slice behind it. The API stamps every value from it in meta.dated[] as the lenders block. Null on a registry row that does not record it, a row older than the column. type: - boolean - 'null' n_parcels_uncovered: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Parcels of the market outside the counties the registry covers. Such a county is one the financing slice does not reach. Null when the row does not record it. required: - as_of - recordings_through - counties - history_capture_share - n_lender_ids - purchase_measured - investor_lending_measured - flips_measured - borrowers_measured - takebacks_measured - counties_measured - dated - n_parcels_uncovered additionalProperties: false - type: 'null' description: >- The lender registry of this market. Null when this market has no published lender tables: every /v1/lenders route then answers 422 lenders_unavailable. required: - market - state - counties - bbox - data_end - build_run_id - registry_run - registry_version - dataset_version - loaded_at - metro_buy_to_resale_ratio - universe_kind - universe_zips - point_tolerance_miles - n_parcels - listings_data_end - agents_data_end - wholesale_as_of - str_as_of - str - auction_counted - parcel_as_of - address_as_of - parcel - lenders additionalProperties: false description: >- One loaded market: the area its counts cover (universe_kind), the counties it lies in, how fresh it is, and its data version. Dated: type: object properties: block: type: string enum: - valuation - financing - liens - lenders description: >- The block of the response that is a snapshot at as_of, not current data. The values are valuation (the AVM, equity and LTV), financing (open liens and mortgage history), liens (involuntary liens) and lenders. The lenders block is the lender registry and every count on it, built from the same slice. as_of: type: string description: >- The date of the delivery that valued the snapshot, YYYY-MM-DD: the same date as meta.coverage[].parcel.financing.as_of for the market. reason: type: string description: >- Why the block is dated, in one sentence: the dataset is not in the current delivery. required: - block - as_of - reason additionalProperties: false description: >- One block of the response that is a dated snapshot. Every response that carries a value from a dated block lists it here. A caller that cannot use dated data passes require_current: true. The API then answers 422 dated_refused instead. LenderYear: type: object properties: year: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: The calendar year of the recording date, 2002 or later. n_loans: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments recorded that year with this lender as lender of record, counted once across the open-lien and recorded-history tables. n_in_history: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Recorded-history slots dated that year, duplicates included: what the history holds, a floor, not activity. n_open: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Open lien positions at the slice date with a recording date in that year. volume: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Sum of the loan amounts of the priced instruments, whole dollars. The sum counts a blanket group once, that is one loan recorded across 5 or more parcels. It leaves out amounts above $5,000,000, a facility amount the file records on every parcel it covers, which amount_outlier on the loan row flags. 0 when no instrument carries a price. n_purchase: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Instruments recorded that year whose purpose is PURCHASE, a priced deed in the 45 days up to the recording. Null while the market has no deed link (purchase_measured false), and for years before the deed registry begins. n_investor: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Instruments recorded that year whose borrower resolves to a registered investor, so the loan row carries investor_id. Null while the market has no borrower match (investor_lending_measured false). median_amount: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Whole US dollars. - type: 'null' description: >- Median loan amount of the priced instruments, whole dollars, amounts above $5,000,000 left out. Null under 3. floor: type: boolean description: >- True for years before history_floor_year. The history keeps 5 slots per parcel and newer mortgages push older ones out, so the count is a floor. required: - year - n_loans - n_in_history - n_open - volume - n_purchase - n_investor - median_amount - floor additionalProperties: false description: >- One calendar year of the lender's originations, from 2002, the year the recorded history begins. LenderMonth: type: object properties: month: type: string description: The calendar month, YYYY-MM. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments recorded in the month with this lender as lender of record, counted once across both tables. volume: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Sum of the loan amounts of the priced instruments, whole dollars, a blanket group counted once and amounts above $5,000,000 left out. 0 when no instrument carries a price. market_n: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The market's instruments recorded that month, every lender, persons below the gate and placeholders included: the share denominator. share: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- n divided by market_n, 0 to 1. 0 when n is 0, and null when market_n is 0. rank: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Rank by n among the lenders with at least one instrument that month, every class included, with ties by volume then id. Null when n is 0. hard_money_market_n: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Of market_n, the instruments from hard-money lenders (is_hard_money). hard_money_rank: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Rank by n among the hard-money lenders with at least one instrument that month. Null when this lender is not a hard-money lender or n is 0. n_purchase_money: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Of n, the instruments whose purpose is PURCHASE, a priced deed in the 45 days up to the recording. Null while the market has no deed link (purchase_measured false). partial: type: boolean description: >- True on the last month only: recordings in the slice stop on recordings_through, before the month ends. required: - month - 'n' - volume - market_n - share - rank - hard_money_market_n - hard_money_rank - n_purchase_money - partial additionalProperties: false description: >- One calendar month of the lender's originations against the market's: count, volume, share and rank. LenderTerms: type: object properties: window: anyOf: - type: string enum: - 24m - all description: >- Which loans the terms block covers. 24m is the lender's loans in the 24 months ending on the slice date. The block uses 24m when 20 or more of those loans carry an amount, else all, which is every loan on record. - type: 'null' description: >- Null when no loan of the lender carries an amount. Which loans the terms block covers. 24m is the lender's loans in the 24 months ending on the slice date. The block uses 24m when 20 or more of those loans carry an amount, else all, which is every loan on record. amount: type: object properties: p25: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Whole US dollars. - type: 'null' description: >- 25th percentile of loan amount, whole dollars. Null under 3 values. p50: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Whole US dollars. - type: 'null' description: Median loan amount, whole dollars. Null under 3 values. p75: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Whole US dollars. - type: 'null' description: >- 75th percentile of loan amount, whole dollars. Null under 3 values. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Values behind the quartiles: the window's priced instruments, amounts above $5,000,000 left out. required: - p25 - p50 - p75 - 'n' additionalProperties: false description: >- What the lender lends: the quartiles of the loan amounts, amounts above $5,000,000 left out. A facility amount the file records on every parcel it covers is not what the lender lends on one. rate: type: object properties: p25: description: >- 25th percentile of interest rate, percent as the file writes it. Null under 3 values. type: - number - 'null' p50: description: >- Median interest rate, percent as the file writes it. Null under 3 values. type: - number - 'null' p75: description: >- 75th percentile of interest rate, percent as the file writes it. Null under 3 values. type: - number - 'null' 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Values behind the quartiles: the window's instruments carrying a rate. share_rated: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of the window's instruments that carry a rate, 0 to 1. Null when the window is empty. Under 0.5 the quartiles describe a minority of the book. required: - p25 - p50 - p75 - 'n' - share_rated additionalProperties: false description: >- The rate as the file writes it: an estimate at the slice date on open rows, the rate at recording on history rows. term: type: object properties: median_months: description: >- Median term in months over the window's instruments whose term is known. Null under 3. type: - number - 'null' share_le_24m: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- Share of the known-term instruments at 24 months or less, 0 to 1. Null when share_term_known is under 0.5. share_25_120m: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- Share at 25 to 120 months, 0 to 1. Null when share_term_known is under 0.5. share_121_359m: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- Share at 121 to 359 months, 0 to 1. Null when share_term_known is under 0.5. share_ge_360m: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- Share at 360 months and longer, 0 to 1. Null when share_term_known is under 0.5. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments whose term is known, from a term or a maturity on file. share_term_known: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of the window's instruments whose term band is not UNKNOWN, 0 to 1. Null when the window is empty. A hard-money book often carries a term on one row in ten. required: - median_months - share_le_24m - share_25_120m - share_121_359m - share_ge_360m - 'n' - share_term_known additionalProperties: false description: >- The term, from the file's term in months or its maturity date. The API serves the band shares only where half or more of the book carries a term. loan_to_avm: type: object properties: p25: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- 25th percentile of the loan amount divided by the parcel's automated valuation at the slice date. Null under 3 values. p50: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- Median the loan amount divided by the parcel's automated valuation at the slice date. Null under 3 values. p75: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- 75th percentile of the loan amount divided by the parcel's automated valuation at the slice date. Null under 3 values. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Values behind the quartiles: the window's open lien positions on a parcel with a valuation. required: - p25 - p50 - p75 - 'n' additionalProperties: false description: >- The loan against the as-of valuation, open lien positions only: not a loan-to-value at origination. A ratio above 1 on a short-term loan is a rehab holdback, not negative equity. loan_to_price: anyOf: - type: object properties: p25: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- 25th percentile of the loan amount divided by the price on the purchase deed it financed. Null under 3 values. p50: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- Median the loan amount divided by the price on the purchase deed it financed. Null under 3 values. p75: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- 75th percentile of the loan amount divided by the price on the purchase deed it financed. Null under 3 values. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Values behind the quartiles: the window's PURCHASE instruments with a priced deed and an amount. required: - p25 - p50 - p75 - 'n' additionalProperties: false - type: 'null' description: >- The loan against the purchase price, over the window's purchase-money instruments (purpose PURCHASE). The ratio is the loan divided by the price on the deed dated in the 45 days up to the recording. Above 1 is a rehab holdback on top of the price, not an error, and a fix-and-flip lender's median sits near 1.1. Above 3 is a blanket loan, which the quartiles leave out. Null while the market has no deed link (purchase_measured false). estimated_payment_p50: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Whole US dollars. - type: 'null' description: >- Median estimated monthly payment over the window's open lien positions carrying one, whole dollars. Null under 3. required: - window - amount - rate - term - loan_to_avm - loan_to_price - estimated_payment_p50 additionalProperties: false description: >- The lender's pricing and terms: amount, rate and term quartiles, the loan against the as-of valuation, the payment. The block covers the 24-month window when 20 or more loans in it carry an amount, else all time, and window says which. LenderGeography: type: object properties: by_county: type: array items: $ref: '#/components/schemas/LenderGeoRow' description: >- Every county with the lender's loans on record, most window loans first. Every one is inside coverage.counties. by_city: type: array items: $ref: '#/components/schemas/LenderGeoRow' description: The top 20 cities by window loans, then all-time loans. by_zip: type: array items: $ref: '#/components/schemas/LenderGeoRow' description: The top 50 ZIP codes by window loans, then all-time loans. n_zips_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Distinct ZIP codes with at least one instrument in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. concentration_top3_zips: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of the lender's window instruments in its three largest ZIP codes, 0 to 1. Null when the lender has none in the window. required: - by_county - by_city - by_zip - n_zips_24m - concentration_top3_zips additionalProperties: false description: >- Where the lender lends: by county, city and ZIP, with the lender's share of each place and each place's share of the lender. Every count is of dated instruments. The profile counts an instrument without a recording date in n_undated and in no place. A place whose instruments are all undated is absent. LenderCoverage: type: object properties: market: type: string description: Market code, for example phx. counties: type: array items: type: string description: A 5-digit county FIPS. description: >- The counties the financing slice covers for this market, for example ["04013"]: every loan, geography and ranking is inside them. For a ZIP, city or county outside them, the API answers 422 outside_coverage. n_parcels_uncovered: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Parcels of the market outside those counties. They carry no financing rows and so no loans here. For example, the Phoenix market has 224,192 such parcels in Pinal County. as_of: type: string description: >- The slice date, YYYY-MM-DD. The registry measures every count at this date. recordings_through: type: string description: >- The newest recording date in either source table, YYYY-MM-DD. The registry measures recency against this date, not against as_of. dated: type: boolean description: >- True while the Recorder & Mortgage datasets are not in the current delivery, so every lender value is a snapshot at as_of. The API lists the lenders and financing blocks in meta.dated[]. history_capture_share: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of open lien positions recorded since 2022 that the recorded history also carries within 3 days, 0 to 1 (for example 0.18). The history sees about one open loan in five. So a recorded-history count is a floor, and the union of the two tables is the origination count. required: - market - counties - n_parcels_uncovered - as_of - recordings_through - dated - history_capture_share additionalProperties: false description: >- What the lender registry covers in one market: the counties, the parcels left out, the slice date and the newest recording. It also says how much of the open table the history captures. LenderRankings: type: object properties: rank_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Rank by loans in the window among every lender of the market with at least one. The ranking includes every class and the persons above the gate. The registry breaks ties by volume, then by id. Null when the lender has none in the window. The default list hides persons and GOVERNMENT, so its positions differ. share_24m: type: number description: >- The lender's instruments over the market's in the window, 0 to 1. The denominator counts every lender, the persons below the gate and the placeholders included. 0 when the lender has none. rank_by_volume_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Rank by loan total in the window. Null when the total is 0. rank_in_class_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Rank by loans in the window among the market's lenders of the same lender_class. Null when the lender has none. rank_hard_money_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Rank by loans in the window among hard-money lenders. Null when the lender is not one or has none. share_of_hard_money_24m: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The lender's instruments over every hard-money lender's in the window, 0 to 1. Null when the lender is not one. rank_purchase_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Rank by purchase-money instruments in the window among every lender of the market with at least one. A purchase-money instrument has purpose PURCHASE by the deed link. The registry breaks ties by volume, then by id. Null when the lender has none. Also null while the market has no deed link (purchase_measured false). The lender list walks this order under sort=purchase_desc. share_by_volume_24m: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The lender's loan total over the market's in the window, 0 to 1, both after the amount rule. The rule counts a blanket group once and leaves out amounts above $5,000,000. 0 when the lender's total is 0. Null on a registry built before the place rankings. n_zips_ranked_first_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- ZIP codes where the lender ranks first by instruments in the window with 10 or more of its own there: "#1 in N ZIPs". The rule: the lender's own n is 10 or more and its rank is 1 in the ZIP. The ranking counts every lender. You can recompute it from GET `/v1/lenders/{id}/rankings?group_by=zip&min_n=10`. Null on a registry built before the place rankings. n_cities_ranked_first_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- The same over cities. Null on a registry built before the place rankings. n_counties_ranked_first_24m: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- The same over counties. Null while counties_measured is false: with one county loaded, the count says nothing. Also null on a registry built before the place rankings. required: - rank_24m - share_24m - rank_by_volume_24m - rank_in_class_24m - rank_hard_money_24m - share_of_hard_money_24m - rank_purchase_24m - share_by_volume_24m - n_zips_ranked_first_24m - n_cities_ranked_first_24m - n_counties_ranked_first_24m additionalProperties: false description: >- Where the lender stands in the market over the 24 months ending on the slice date, by loans and by volume. The rankings are overall, within its class, among hard-money lenders and by purchase-money loans. LenderBorrowers: type: object properties: n_borrowers: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Distinct borrowers (by key) with a loan from this lender, all time. The count includes every borrower a recorded mortgage names, plus the owner of record on open liens that name none. n_borrowers_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The same over the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. n_resolved_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Of the window's borrowers, those that resolve to a registered investor. share_resolved_24m: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- n_resolved_24m over n_borrowers_24m, 0 to 1. Null when the window has no borrower. borrower_measured_share: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of the lender's instruments, all time, with any borrower source, 0 to 1. A borrower source is a recorded slot that names borrowers, or an open lien whose owner of record qualifies. The recorded history sees about one open loan in five, so most open liens have no named borrower. Null when the lender has no instrument. n_repeat_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Borrowers with 2 or more loans from this lender in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. n_new_12m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Borrowers whose first loan from this lender has a recording date in the 12 months ending on `as_of` (365 days, inclusive), as of `as_of`, the slice date, never the clock. n_churned_12m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Borrowers who churned (churned true on their row) and whose later loan elsewhere has a recording date in the 12 months ending on `as_of` (365 days, inclusive), as of `as_of`, the slice date, never the clock. A lower bound of leaving, since the history sees one loan in five. churn_measured: type: boolean description: >- True when the registry can measure churn for half or more of the borrowers it tests. It tests the lender's borrowers whose last loan here is dated 12 to 36 months before the slice date (as_of). False when most of those borrowers hold open positions the history does not carry, the bridge-borrower case. Then the churn counts here are floors of floors. top_borrowers: type: array items: $ref: '#/components/schemas/LenderBorrowerRef' description: >- The 10 largest borrowers by loans in the window, then all time, then key. A person's name is never here, nor anywhere on this host. competing_lenders: type: array items: $ref: '#/components/schemas/LenderCompetingLender' description: >- The 10 lenders that share the most borrowers with this one in the window, then all time. person_names_redacted: type: boolean description: >- True when at least one of top_borrowers is a person. That name is null here whatever the key. False when every one is a company. required: - n_borrowers - n_borrowers_24m - n_resolved_24m - share_resolved_24m - borrower_measured_share - n_repeat_24m - n_new_12m - n_churned_12m - churn_measured - top_borrowers - competing_lenders - person_names_redacted additionalProperties: false description: >- Who borrows from the lender: how many, how many are registered investors, repeats, newcomers and churn (a lower bound). It also lists the largest borrowers and the other lenders they use. Null on the profile while the market has no borrower match. LenderInvestorLending: type: object properties: n_investor_loans: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments whose borrower resolves to a registered investor, all time, counted once per instrument. Such a loan row carries investor_id. n_investor_loans_12m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The same over the 12 months ending on `as_of` (365 days, inclusive), as of `as_of`, the slice date, never the clock. n_investor_loans_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The same over the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. share_investor_loans_24m: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- n_investor_loans_24m over the lender's instruments in the window, 0 to 1: how much of the book goes to investors. Null when the lender has none in the window. Read against borrower_measured_share: an open lien that names no borrower, and whose owner is not the borrower, counts in the denominator and cannot resolve. n_investors_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Distinct registered investors borrowing in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. by_investor_kind_24m: type: array items: type: object properties: value: type: string enum: - FLIPPER - WHOLESALER - LANDLORD - BUILDER - IBUYER description: >- Investor kind, the primary one of kinds[] (an investor can carry several), for display only. FLIPPER: buys, renovates and resells. WHOLESALER: buys to resell quickly, often through a double close. LANDLORD: buys and holds rentals. BUILDER: builds on lots it buys. IBUYER: Opendoor, Offerpad or Zillow. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Instruments with this value among the window's investor loans. share: type: number description: n divided by the window's investor loans, 0 to 1. required: - value - 'n' - share additionalProperties: false description: >- The window's investor loans by the investor's kinds, largest first. An investor carries every kind it qualifies for, so a loan counts under each and the shares can sum above 1. n_deals_financed: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Deals (purchases by a registered investor) whose purchase loan is this lender's, all time. The purchase loan is the largest loan of either table recorded in the 45 days from the purchase date. n_deals_financed_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The same over the deals bought in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. by_deal_kind: type: array items: type: object properties: value: type: string enum: - flip - wholesale - hold - long_hold - other - build description: >- What occurred on the deal. flip: bought, fixed and resold within about a year at a profit-shaped margin; wholesale: bought and resold in under 30 days, or a chain resale or round trip within 90 (a double close); hold: bought and still owned at data_end, a confirmed holding or an un-resold purchase; long_hold: held over a year, then sold (a landlord exit); other: an investor resale that is not a clean flip. Reasons: a loss, a thin margin, a builder's new home resold, an iBuyer resale, or a chain resale of 3 to 12 months; build: a registered investor bought a lot or teardown, built a house on it during the hold, then sold. A builder's finished home bought and resold is other. On data built after 2026-09-17 the kind keeps only a single-family parcel held over 90 days, its house complete by the sale year. A market built on or before 2026-09-17 (meta.coverage[].loaded_at) counts every lot-to-build resale by a registered investor as a build until its next build. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Deals of this kind financed, all time. n_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Of those, bought in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. required: - value - 'n' - n_24m additionalProperties: false description: >- The financed deals by kind, that is by what occurred on them, largest first. A kind with none is absent, for example a market with no build. n_auction_purchases_financed_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Financed deals bought at auction (a trustee's or sheriff's sale) in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. n_wholesale_purchases_financed_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Financed deals bought from a wholesaler in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. The evidence is a documented double close or a known wholesaler seller. top_investors: type: array items: $ref: '#/components/schemas/LenderTopInvestor' description: >- The 10 registered investors with the most loans from this lender in the window, then volume, then id. is_investor_lender: type: boolean description: >- True when half or more of the window's instruments go to registered investors and the window holds 20 or more. Such a lender is an investor lender by behaviour, whatever the name says. The uses_private_lender filter of the investor routes reads it beside the hard-money flag. required: - n_investor_loans - n_investor_loans_12m - n_investor_loans_24m - share_investor_loans_24m - n_investors_24m - by_investor_kind_24m - n_deals_financed - n_deals_financed_24m - by_deal_kind - n_auction_purchases_financed_24m - n_wholesale_purchases_financed_24m - top_investors - is_investor_lender additionalProperties: false description: >- How much of the lender's book funds registered investors: the loans and share, the investors and their kinds. It also carries the deals financed by what occurred on them, the largest investors and the flag for an investor lender by behaviour. Null on the profile while the market has no deal registry or no borrower match. LenderFlipsFinanced: type: object properties: window_from: type: string description: >- The first purchase date the block counts, YYYY-MM-DD: 36 months before window_to. window_to: type: string description: >- The last purchase date the block counts, YYYY-MM-DD: 45 days before recordings_through, so every counted purchase had its 45-day loan window inside the slice. n_flips_captured: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Flips (deals of kind flip) bought in the window whose purchase loan is this lender's. Wholesales and builds count apart, in investor_lending.by_deal_kind. capture_share: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- n_flips_captured over the flips in the window tied to this lender by any route, 0 to 1. The denominator is n_flips_captured plus n_flips_by_known_borrowers. The ratio says how much of what the lender probably funded the slice actually shows. Null when neither count is above 0. n_flips_by_known_borrowers: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Flips in the window by investors who borrow from this lender elsewhere, whose own purchase loan the slice did not capture. These are probably this lender's, but the block never counts them as such. n_resold: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Of the captured flips, those resold by the deed data end date. n_resold_priced: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Of those, resold with both prices on the deeds: the rows behind every margin figure. median_gross_profit: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Whole US dollars. - type: 'null' description: >- Median resale price less purchase price over the priced resold flips, whole dollars. Null under 20 of them: the API never quotes a margin on fewer. Not net of rehab or costs. p25_gross_profit: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Whole US dollars. - type: 'null' description: 25th percentile of the same. Null under 20. p75_gross_profit: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Whole US dollars. - type: 'null' description: 75th percentile of the same. Null under 20. median_spread_ratio: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- Median resale price over purchase price less 1 over the priced resold flips (0.336 = +33.6%). Null under 20. median_hold_days: description: >- Median days from purchase to resale over the resold flips. Null under 3. type: - number - 'null' median_loan_to_price: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- Median purchase loan over purchase price over the captured flips with both, 0 to 1 and above. A value above 1 is a rehab holdback. Null under 3. share_of_financed_flips: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- n_flips_captured over every flip in the window with a captured purchase loan from any lender, 0 to 1. This is the lender's share of the flips the slice can attribute, never of every flip. The shares sum to 1 over the market's lenders. Null when the market has none. by_year: type: array items: $ref: '#/components/schemas/LenderFlipsYear' description: >- The captured flips by purchase year, oldest first. A year with none is absent. required: - window_from - window_to - n_flips_captured - capture_share - n_flips_by_known_borrowers - n_resold - n_resold_priced - median_gross_profit - p25_gross_profit - p75_gross_profit - median_spread_ratio - median_hold_days - median_loan_to_price - share_of_financed_flips - by_year additionalProperties: false description: >- The flips the lender financed, on the purchases the slice can tie to a loan. The block says how many and how much of the lender's flip lending that is. It also gives the resale margins where 20 or more resold with both prices. Null on the profile while the market has no flip measure. LenderTakebacks: type: object properties: n_takebacks: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Take-back deeds that name the lender as grantee under any of its spellings, from 2016 through the deed data end date (data_end). The registry counts once per parcel and deed. A take-back deed is a trustee's deed, a sheriff's deed or a deed in lieu. n_takebacks_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The same over the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. by_instrument: type: array items: type: object properties: value: type: string enum: - TRUSTEES_DEED - SHERIFFS_DEED - DEED_IN_LIEU description: >- The deed by which a lender took a property back. TRUSTEES_DEED: a trustee's deed after a non-judicial foreclosure sale, the certificate of title in Arizona. SHERIFFS_DEED: a sheriff's deed after a judicial sale, in an Arizona or Washington market. In Texas a sheriff's deed is a tax sale, never a take-back. DEED_IN_LIEU: the borrower deeded the property to the lender instead of a foreclosure. 'n': type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments with this value among the lender's take-back deeds. share: type: number description: n divided by the lender's take-back deeds, 0 to 1. required: - value - 'n' - share additionalProperties: false description: >- The take-back deeds by instrument, largest first. The shares sum to 1. Empty when the lender has none. n_loans_foreclosed: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Take-backs on a parcel that carries a loan row of this lender recorded before the deed. The loan row names the lender as lender of record or as open-lien lender, in either source table. These are the take-backs the registry can tie to one of the lender's own loans. n_takebacks_unlinked: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- n_takebacks less n_loans_foreclosed: the take-backs with no tie to one of the lender's own loans. Two causes: the loan is older than the five kept history slots, or it is in neither table. A third cause: the grantee is the trustee or the servicer of a securitised loan, whose originator the registry cannot see. foreclosure_share: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- Of the lender's loans tied to a deal (STRICT link, the captured instruments), the share with outcome FORECLOSED, 0 to 1. Null under 20 captured loans. A performance proxy from the deed chain, never a delinquency rate. median_days_takeback_to_resale: description: >- Median days from the take-back deed to the next priced deed on the parcel ($10,000 or more). The registry measures it over the take-backs that resold by the deed data end date. It says how long the lender held what it took back. Null under 3. type: - number - 'null' is_auction_lender: type: boolean description: >- True when any of the lender's spellings is a grantee the auction build classed as a lender at its own sale. The test is a credit bid or a deed in lieu on two or more parcels. Such a lender takes properties back at the courthouse steps. The flag reads from the auction build's lender list alone, never from the buyer-side exclusion vocabulary. That vocabulary matches every bank. required: - n_takebacks - n_takebacks_24m - by_instrument - n_loans_foreclosed - n_takebacks_unlinked - foreclosure_share - median_days_takeback_to_resale - is_auction_lender additionalProperties: false description: >- The properties the lender took back by trustee's deed, sheriff's deed or deed in lieu since 2016. The block says how many, by instrument and window, and how many tie to one of its own loans. It also gives the foreclosure share of its captured loans, how fast it resold them, and if it is an auction lender. Deeds, never delinquency. The grantee is usually the trustee or servicer, so the originator of a securitised loan is invisible. Null on the profile while the market has no take-back join (takebacks_measured false). LenderSuccessor: type: object properties: id: type: string pattern: ^len_[0-9a-f]{12}$ description: >- The successor: the key to GET `/v1/lenders/{id}`, a served lender of the same market. name: type: string description: >- The lender's display name in the market, upper case as the file writes it, for example KIAVI FUNDING INC. A business name, which the API serves to every key. lender_class: type: string enum: - BANK - NONBANK - PRIVATE - INDIVIDUAL - GOVERNMENT description: >- A reading of the name, never a legal status. How the lender name reads. BANK: a bank, credit union or thrift. NONBANK: a mortgage company or other lending business. PRIVATE: a trust, a seller carry-back or another private party, not the hard-money sense of private lender, which the Lender object carries as is_hard_money. INDIVIDUAL: a person's name. GOVERNMENT: an agency or a public body. is_hard_money: type: boolean description: >- True when the name carries hard-money vocabulary or is a known hard-money brand, or when the book behaves like one. The profile's hard_money_basis says which, and the behaviour test needs the market's deed link. A PRIVATE lender_class is a trust or a seller carry-back, not a hard-money lender. kind: type: string enum: - ACQUISITION - SUBSIDIARY description: >- How the lender is part of its successor. ACQUISITION: the successor bought it or absorbed it, for example NATIONAL CITY BANK into PNC BANK. SUBSIDIARY: the successor is its parent, for example WELLS FARGO FINANCIAL ARIZONA under WELLS FARGO BANK. required: - id - name - lender_class - is_hard_money - kind additionalProperties: false description: >- The lender this one is part of. An acquisition never merges the books: BANK ONE's loans stay BANK ONE's, under BANK ONE's id. So the profile points at the acquirer or the parent instead. Null when the registry records no successor, and when the successor has no profile in the market. LenderIdHistoryEntry: type: object properties: old_id: type: string pattern: ^len_[0-9a-f]{12}$ description: >- The id the registry retired into this lender. After the merge, the old id answers on GET `/v1/lenders/{id}` and its loans and borrowers routes, and the API redirects here with meta.resolved_from. reason: type: string enum: - MERGED - MERGED_PARTIAL - NEW_SPLIT - RETIRED description: >- Why the API stopped serving the old id. MERGED: every spelling behind it belongs to this lender, because a dictionary row or a fold decision joined them. MERGED_PARTIAL: some of its spellings came here, the rest went elsewhere. NEW_SPLIT: the registry split this lender out of it. RETIRED: no lender holds its spellings any more, so such an id answers 410 gone and never appears in an id_history. lender_run: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The lender registry run that retired it, an integer that grows with every build. required: - old_id - reason - lender_run additionalProperties: false description: >- One id a merge retired into this lender: the old id, why, and the registry run that did it. StrCoverageJurisdiction: type: object properties: name: type: string description: >- The jurisdiction, upper case, for example SCOTTSDALE, PHOENIX or HOUSTON: the city-limit polygon the parcel falls in, never the postal city. The same value as short_term_rental.coverage.jurisdiction on the parcels inside it. regime: anyOf: - type: string enum: - REQUIRED - NOT_REQUIRED - UNKNOWN description: >- The city's rule on a short-term rental licence or permit. REQUIRED: an ordinance requires one. NOT_REQUIRED: the city has no requirement, so no roll exists. UNKNOWN: the survey did not cover the city. Null when the market row does not record it. - type: 'null' description: >- Null when the market row does not record it. The city's rule on a short-term rental licence or permit. REQUIRED: an ordinance requires one. NOT_REQUIRED: the city has no requirement, so no roll exists. UNKNOWN: the survey did not cover the city. Null when the market row does not record it. coverage_reason: anyOf: - type: string enum: - LOADED_SERVED - LOADED_UNVALIDATED - LOADED_COUNTS_ONLY - REQUIRED_NOT_PUBLISHED - NO_REQUIREMENT - NOT_SURVEYED description: >- Why parcels of this jurisdiction carry, or do not carry, a short-term rental block. LOADED_SERVED: the city's roll is on file, matched to parcels and served, so every parcel inside carries a block, NONE when it has no record. LOADED_UNVALIDATED: the roll is on file and matched, but without a spot check, so the block is present with status null and coverage.served false. LOADED_COUNTS_ONLY: the roll is on file for counts only, because no parcel match is possible for the file, so no block. No block for REQUIRED_NOT_PUBLISHED (licence required, no roll published), NO_REQUIREMENT (no licence required) or NOT_SURVEYED (outside the survey). Null when the market row does not record it. - type: 'null' description: >- Null when the market row does not record it. Why parcels of this jurisdiction carry, or do not carry, a short-term rental block. LOADED_SERVED: the city's roll is on file, matched to parcels and served, so every parcel inside carries a block, NONE when it has no record. LOADED_UNVALIDATED: the roll is on file and matched, but without a spot check, so the block is present with status null and coverage.served false. LOADED_COUNTS_ONLY: the roll is on file for counts only, because no parcel match is possible for the file, so no block. No block for REQUIRED_NOT_PUBLISHED (licence required, no roll published), NO_REQUIREMENT (no licence required) or NOT_SURVEYED (outside the survey). Null when the market row does not record it. served: type: boolean description: >- True when parcels inside this jurisdiction carry a measured status (LICENSED, PENDING, EXPIRED or NONE). False when they carry a block with status null, or no block at all: coverage_reason says why. snapshot_only: type: boolean description: >- True when the roll came from a single pull and has no weekly feed (Fountain Hills, Cave Creek). Its dates are the pull date, and the API never sets feed_stale. licence_start: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The earliest possible date of a licence in this jurisdiction, the day its ordinance took effect, YYYY-MM-DD, for example 2025-10-01 for Houston. Null when unknown, or when the city requires no licence. snapshot_date: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The snapshot the served blocks read, YYYY-MM-DD: short_term_rental.data_as_of on every parcel inside. Null when no roll is on file. feed_stale: type: boolean description: >- True when this week's feed failed the freshness rule and the API serves the last good snapshot instead. Every block inside then carries coverage.feed_stale true. False otherwise. sources: type: array items: $ref: '#/components/schemas/StrCoverageSource' description: >- The city files behind this jurisdiction, each with its newest load date and its stale flag. Empty when no roll is on file. n_licensed: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Parcels inside with status LICENSED on this snapshot. Null when no roll is on file. n_pending: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels inside with status PENDING. Null when no roll is on file. n_expired: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels inside with status EXPIRED. Null when no roll is on file. n_advertised: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Parcels the city lists as advertised without a licence, Scottsdale only. The API counts them and never serves them as a status. Null when the city publishes no such list. share_unmatched: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of the city's records that matched no parcel, 0 to 1, for example 0.04. Null when no roll is on file. share_assumed: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- The share of attributed parcels with attribution_basis ASSUMED, 0 to 1. ASSUMED means the attribution has no date, no name and no regime bound. Null when no roll is on file. required: - name - regime - coverage_reason - served - snapshot_only - licence_start - snapshot_date - feed_stale - sources - n_licensed - n_pending - n_expired - n_advertised - share_unmatched - share_assumed additionalProperties: false description: >- One city of the market in the short-term rental build. It says if the licence roll is on file and served, how fresh it is, and what it counts. It explains a null short_term_rental block on a parcel: the block is null where the API does not serve the jurisdiction. ParcelCoverage: type: object properties: parcel_as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: The deed data end that the parcel layer build used, YYYY-MM-DD. n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels in the layer for this market. sale_mortgage_measured: type: boolean description: >- True when the delivery records a purchase mortgage on at least one priced last sale in five of the market. Then cash_sale_proxy, the sale.cash_sale filter and the cash-buyer quicklist are measured. False below that bar, as in the 2026 deliveries, which carry the column empty. Then cash_sale_proxy is null on every parcel, and the filter and the quicklist answer 422 cash_sale_unavailable. financing: anyOf: - type: object properties: as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The date of the delivery that valued the financing, lien and valuation slice, YYYY-MM-DD. dated: type: boolean description: >- True while the Recorder & Mortgage and AVM datasets are not in the current delivery, so the slice stays at as_of. The API then stamps every value from the slice in meta.dated[]. dated_reason: description: Why the slice is dated. type: - string - 'null' n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with a row in the slice. n_with_open_lien: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with at least one open lien at as_of. n_free_and_clear: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with zero open liens at as_of. n_avm: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with an AVM at as_of. n_involuntary: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with an involuntary lien at as_of. n_lenders: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Distinct raw lender spellings over the two lien tables, not registry ids. For registry ids, read meta.coverage[].lenders.n_lender_ids. required: - as_of - dated - dated_reason - n_parcels - n_with_open_lien - n_free_and_clear - n_avm - n_involuntary - n_lenders additionalProperties: false - type: 'null' description: The financing slice. Null when this market has none. permits: anyOf: - type: object properties: as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The effective date of the loaded permit snapshot, YYYY-MM-DD. n_permits: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Permits served for this market. n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels with at least one permit. n_unmatched: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- Permits in the county file that landed on no parcel of the market, so the API does not serve them. jurisdictions: anyOf: - type: array items: type: object properties: jurisdiction: type: - string - 'null' n_permits: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' last_issue_date: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' windows_measured: description: >- True when the jurisdiction issued a permit in the 12 months before as_of. False when it did not: its feed is stale, so its parcels carry null 24-month and 36-month windows. The rule applies in every market. Read those null windows (n_permits_24m, n_open_permits_12m, major_work_36m, tags_24m, job_value_24m) as unmeasured, not as permit-free. The negative permit filters of the search leave such parcels out. Null only on a coverage row built before the flag existed. type: - boolean - 'null' required: - jurisdiction - n_permits - last_issue_date - windows_measured additionalProperties: false - type: 'null' description: >- The issuing jurisdictions, largest first, each with its permit count, its newest issue date and its windows_measured flag. required: - as_of - n_permits - n_parcels - n_unmatched - jurisdictions additionalProperties: false - type: 'null' description: The permit snapshot. Null when this market has none. owner_profile: anyOf: - type: object properties: as_of: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The date of the delivery the Owner Profile block comes from, YYYY-MM-DD. n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels carrying a profile. n_multi: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels whose owner holds two or more properties. n_portfolio_5: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels whose owner holds five or more. required: - as_of - n_parcels - n_multi - n_portfolio_5 additionalProperties: false - type: 'null' description: The Owner Profile block. Null when this market has none. history: anyOf: - type: object properties: first_week: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The first weekly file the history lake replayed (the baseline FULL). last_week: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: The last weekly file replayed. zips: anyOf: - type: array items: type: string - type: 'null' description: >- The ZIP codes the history lake covers. A parcel outside them has no history: `GET /v1/properties/{id}/history` answers 422 history_unavailable and the history block is null. n_parcels: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Parcels observed in the ZIP set. n_events: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Typed events on record. n_weeks: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: Weekly files replayed. domains: anyOf: - type: object propertyNames: type: string additionalProperties: type: object properties: first_week: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' last_week: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' n_events: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' required: - first_week - last_week - n_events additionalProperties: false - type: 'null' description: >- Per domain, the weeks the lake covers it. Valuation and financing end at the financing slice date, financing.as_of. The rest run to last_week. required: - first_week - last_week - zips - n_parcels - n_events - n_weeks - domains additionalProperties: false - type: 'null' description: The history lake. Null when this market has none. required: - parcel_as_of - n_parcels - sale_mortgage_measured - financing - permits - owner_profile - history additionalProperties: false description: >- What the parcel products cover in one market. The parts are the parcel layer, the dated financing slice, the permit snapshot, the Owner Profile block and the history lake. Each carries its as-of date and counts. LenderGeoRow: type: object properties: value: type: string description: >- The geography: a 5-digit county FIPS such as 04013, a city name upper case such as PHOENIX, or a 5-digit ZIP. n_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Instruments recorded there in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. n_all: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Dated instruments recorded there, all time. The profile counts an instrument without a recording date in n_undated and in no place. volume_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Loan volume recorded there in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. The volume sums the priced instruments' loan amounts in whole dollars, counts a blanket group once and leaves out amounts above $5,000,000. 0 when no instrument carries a price. share_of_lender: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- n_24m over the lender's instruments in the window, 0 to 1: how concentrated the lender is here. Null when the lender has no instrument in the window. rank_in_geo: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 - type: 'null' description: >- The lender's rank by n_24m among every lender active in this geography in the window. The registry breaks ties by volume, then by id. Null when n_24m is 0. share_of_geo: anyOf: - type: number description: Decimal ratio, never a percentage (0.53 = +53%). - type: 'null' description: >- n_24m over every lender's instruments in this geography in the window, 0 to 1. Null when n_24m is 0. required: - value - n_24m - n_all - volume_24m - share_of_lender - rank_in_geo - share_of_geo additionalProperties: false description: >- One geography with the lender's loans on record: how much of the lender is here, and how much of this place is the lender. LenderBorrowerRef: type: object properties: borrower_key: type: string pattern: ^[0-9a-f]{12}$ description: >- Borrower key: 12 hex characters hashed from the borrower's folded name with the dataset salt. The same key appears on every lender's rows and in every market. It is not a name and not reversible, and it is stable across data refreshes. Use the key to compare borrowers across lenders. name: description: >- The borrower's name as the recorded mortgages write it, upper case, when the borrower is a company (is_entity). This is a business name on a recorded instrument, and the API serves it to every key. Null when the borrower is a person: this host never serves a person's name. type: - string - 'null' investor: anyOf: - $ref: '#/components/schemas/LenderInvestorRef' - type: 'null' description: >- The registered investor the borrower belongs to. Null when the key resolves to none: borrower_match PARTY or MORTGAGE_ONLY, or an owner of record outside the registry. is_entity: type: boolean description: >- True when the name reads as a company: an LLC, a corporation, a partnership or a similar entity. A trust is neither this nor a person. is_person: type: boolean description: True when the name reads as a person's. borrower_match: type: string enum: - DEAL - ENTITY_NAME - PERSON_NAME - PARTY - MORTGAGE_ONLY - OWNER_OF_RECORD description: >- How the registry resolved the borrower, by the first rule that applied. DEAL: the loan has a deal whose investor has a member with the borrower's key, or the deal's investor when no key matched. ENTITY_NAME: the key is an entity member of exactly one investor, and PERSON_NAME means a person member of exactly one investor. PARTY: the key is on a recorded deed but belongs to no investor, while MORTGAGE_ONLY means the key is on no deed. OWNER_OF_RECORD: an open lien that names no borrower resolves to the parcel's owner of record. The registry takes the owner only when the owner held the parcel on the recording date and no sale followed. n_loans: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Loans from this lender that carry this borrower, all time, counted once per instrument. n_loans_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- The same over the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. volume_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Sum of the loan amounts of those in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, whole dollars, with amounts above $5,000,000 left out. 0 when none carries a price. last_loan_on: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The recording date of the borrower's newest loan from this lender, YYYY-MM-DD. Null when none is dated. required: - borrower_key - name - investor - is_entity - is_person - borrower_match - n_loans - n_loans_24m - volume_24m - last_loan_on additionalProperties: false description: >- One of the lender's largest borrowers as the profile lists them. The row carries the key, the name when it is a company, the investor behind it and the loan counts. Never a person's name. LenderCompetingLender: type: object properties: lender: $ref: '#/components/schemas/LenderRef' n_shared_borrowers_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Borrowers with a loan from both lenders in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock. n_shared_borrowers_all: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Borrowers with a loan from both lenders, all time. required: - lender - n_shared_borrowers_24m - n_shared_borrowers_all additionalProperties: false description: >- Another lender that lends to the same borrowers, with how many they share. LenderTopInvestor: type: object properties: investor: $ref: '#/components/schemas/LenderInvestorRef' n_loans_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Loans from this lender to the investor (its borrower or a co-borrower) in the 24 months ending on `as_of` (730 days, inclusive), as of `as_of`, the slice date, never the clock, counted once per instrument. volume_24m: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Sum of the loan amounts of those, whole dollars, with amounts above $5,000,000 left out. 0 when none carries a price. last_loan_on: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The recording date of the investor's newest loan from this lender, YYYY-MM-DD. Null when none is dated. required: - investor - n_loans_24m - volume_24m - last_loan_on additionalProperties: false description: >- One registered investor the lender funds most, with the loans and volume in the window. LenderFlipsYear: type: object properties: year: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: The calendar year of the flip's purchase. n_flips_captured: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Flips bought that year with a purchase loan of this lender. n_resold: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Of those, resold by the deed data end date. median_gross_profit: anyOf: - type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: Whole US dollars. - type: 'null' description: >- Median resale price less purchase price over the resold flips with both prices, whole dollars. Null under 20 of them: the API never quotes a margin on fewer. Not net of rehab or costs. required: - year - n_flips_captured - n_resold - median_gross_profit additionalProperties: false description: One purchase year of the flips the lender financed. StrCoverageSource: type: object properties: source: type: string description: >- The source code of one city file, for example S1 (the Scottsdale licensed roll), P1 (the Phoenix active permits layer) or COH (the Houston registry). snapshot_date: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- The date of the newest load of this source, YYYY-MM-DD. Null before the first load of this source. stale: type: boolean description: >- True when the newest load failed the freshness rule and the API still serves the previous snapshot. A load fails the rule when the count moved more than 30 percent, or when its newest date is more than 14 days old. required: - source - snapshot_date - stale additionalProperties: false description: >- One city file behind a jurisdiction's short-term rental data: the date of its newest load, and if that load is stale. LenderInvestorRef: type: object properties: id: type: string pattern: ^inv_[0-9a-f]{12}$ description: 'The investor: the key to GET `/v1/investors/{id}`.' name: type: string description: >- The investor's registry name, upper case, SURNAME GIVEN for a person, for example SAGUARO HOLDINGS LLC. It is the deed spelling most often on their deeds. The API serves it to every key, as the registry serves it, and it can be a natural person's. It can change under a stable id. Never use it as a key. display_name: type: string description: >- The name to print (API 0.32.0). For a person whose deed spelling parsed cleanly, GIVEN [MIDDLE] SURNAME [SUFFIX] in upper case, for example DANA RIVERA from the deed's RIVERA DANA. For an entity, a trust, a public body or an ambiguous spelling it equals name. Display only: match, join and search on name. The API serves it to every key, as it serves name. kind: anyOf: - type: string enum: - FLIPPER - WHOLESALER - LANDLORD - BUILDER - IBUYER description: >- Investor kind, the primary one of kinds[] (an investor can carry several), for display only. FLIPPER: buys, renovates and resells. WHOLESALER: buys to resell quickly, often through a double close. LANDLORD: buys and holds rentals. BUILDER: builds on lots it buys. IBUYER: Opendoor, Offerpad or Zillow. - type: 'null' description: >- Primary kind, display only. Null when not classified. Investor kind, the primary one of kinds[] (an investor can carry several), for display only. FLIPPER: buys, renovates and resells. WHOLESALER: buys to resell quickly, often through a double close. LANDLORD: buys and holds rentals. BUILDER: builds on lots it buys. IBUYER: Opendoor, Offerpad or Zillow. kinds: type: array items: type: string enum: - FLIPPER - WHOLESALER - LANDLORD - BUILDER - IBUYER description: >- Investor kind, the primary one of kinds[] (an investor can carry several), for display only. FLIPPER: buys, renovates and resells. WHOLESALER: buys to resell quickly, often through a double close. LANDLORD: buys and holds rentals. BUILDER: builds on lots it buys. IBUYER: Opendoor, Offerpad or Zillow. description: Every kind the investor qualifies for. Empty when none. scale: anyOf: - type: string enum: - individual - small - mid - large - institutional description: >- Investor scale: individual (one person, no entity), small (fewer than 10 investment deals), mid (10 to 99), large (100 to 999) or institutional. An institutional investor is an iBuyer, a production builder, a bulk landlord with 500 or more holdings, or a known brand from a list. The registry counts the deals inside the area loaded for the market (meta.coverage[].universe_kind), so in a ZIP market the tier is a floor. - type: 'null' description: >- Scale tier. Null when not classified. Investor scale: individual (one person, no entity), small (fewer than 10 investment deals), mid (10 to 99), large (100 to 999) or institutional. An institutional investor is an iBuyer, a production builder, a bulk landlord with 500 or more holdings, or a known brand from a list. The registry counts the deals inside the area loaded for the market (meta.coverage[].universe_kind), so in a ZIP market the tier is a floor. institutional: type: boolean description: >- True for iBuyers, production builders, bulk landlords and the brand list. n_deals: type: integer minimum: -9007199254740991 maximum: 9007199254740991 description: >- Investment deals as buyer inside the area loaded for the market, all kinds and years. last_bought_on: anyOf: - type: string description: Calendar date, YYYY-MM-DD. - type: 'null' description: >- Their last purchase inside the loaded area, YYYY-MM-DD. Null when they never bought. required: - id - name - display_name - kind - kinds - scale - institutional - n_deals - last_bought_on additionalProperties: false description: >- The investor behind a borrower or a financed deal: id, registry name (the deed spelling), kinds, scale and size, enough to choose the right one. The profile has the rest. LenderRef: type: object properties: id: type: string pattern: ^len_[0-9a-f]{12}$ description: 'The lender: the key to GET `/v1/lenders/{id}`.' name: type: string description: >- The lender's display name in the market, upper case as the file writes it, for example KIAVI FUNDING INC. A business name, which the API serves to every key. lender_class: type: string enum: - BANK - NONBANK - PRIVATE - INDIVIDUAL - GOVERNMENT description: >- A reading of the name, never a legal status. How the lender name reads. BANK: a bank, credit union or thrift. NONBANK: a mortgage company or other lending business. PRIVATE: a trust, a seller carry-back or another private party, not the hard-money sense of private lender, which the Lender object carries as is_hard_money. INDIVIDUAL: a person's name. GOVERNMENT: an agency or a public body. is_hard_money: type: boolean description: >- True when the name carries hard-money vocabulary or is a known hard-money brand, or when the book behaves like one. The profile's hard_money_basis says which, and the behaviour test needs the market's deed link. A PRIVATE lender_class is a trust or a seller carry-back, not a hard-money lender. required: - id - name - lender_class - is_hard_money additionalProperties: false description: >- The lender behind a ranking row: id, display name, class and the hard-money flag. headers: ETag: description: >- The entity tag of the answer, derived from the dataset version of the markets in the response and from the representation, not from the body. It moves only when a refresh rebuilds the tables of a market. On a JSON route, send it back as If-None-Match, and an unchanged dataset answers 304 with no body. The API streams an export whatever the tag. GET /v1/dataset runs no query, so it is the lowest-cost place to send the tag. On every 2xx and the 304, never on an error. schema: type: string X-Request-Id: description: >- The id of this call. The edge mints it and also sends it as zp-rid, the gateway's own name for it. The API keys its log line for the call on it, and every error body repeats it as request_id. Log it on every response, not only on errors. A refusal the gateway answers itself carries zp-rid and request_id alone. Those refusals are a 401, a 403 quota_exceeded and a 429 at the limit of the plan. schema: type: string X-Rows: description: >- How many rows the body carries: data.length on a list, 1 on a single record. The size of the body, not a charge. Absent on a streamed export, whose count the API knows only when the stream ends, and on a 304. schema: type: integer minimum: 0 X-Dataset-Version: description: >- The dataset version of every market in the response, as market=version pairs joined by commas (phx=1788469819 for one market). The header carries one pair per loaded market. The figures are the same as meta.coverage[].dataset_version, and you can read them without parsing the body. A version moves only when a refresh rebuilds the tables of the market, so fold the label into cache keys. On every 2xx and the 304, never on an error. Absent when the answer names no market: an empty deployment, or a GET /v1/coverage lookup outside every market. schema: type: string X-Data-End: description: >- The last deed date of every market in the response, as market=YYYY-MM-DD pairs joined by commas (phx=2026-08-12 for one market). The header carries one pair per loaded market. The dates are the same as meta.coverage[].data_end. On every 2xx and the 304, never on an error. Absent when the answer names no market: an empty deployment, or a GET /v1/coverage lookup outside every market. schema: type: string Retry-After: description: >- Whole seconds to wait before you retry, never below 1. On a 429, the seconds until the spent bucket refills. On a 503, 1 for pool_saturated and 5 for ledger_unavailable, and none for database_unavailable. On a 403 plan_limit for the name-search day cap, the seconds to the next UTC midnight, when the cap resets. The other plan limits carry none. The body repeats it as retry_after on the 429, the ledger refusal and the day cap. schema: type: integer minimum: 1 securitySchemes: bearerAuth: type: http scheme: bearer description: >- API key from the developer console (starts with zpka_). Create one at https://developers.investorlift.com/get-a-key. ```` ## Related topics - [Get one lender](/api-reference/endpoints/lenders-get.md) - [Get the profile of one Investorlift listing company](/api-reference/wholesale/get-the-profile-of-one-investorlift-listing-company.md) - [Get the full profile of one investor](/api-reference/investors/get-the-full-profile-of-one-investor.md) - [Get the profile of one listing agent](/api-reference/agents/get-the-profile-of-one-listing-agent.md) - [List one lender's borrowers](/api-reference/endpoints/lenders-borrowers.md)