Who lends to flippers in a ZIP?

Early access. The API serves every early-access route and tool to every key at 0 credits during the beta. Investorlift can restrict them later. Investorlift aims to give 30 days of email notice before it restricts them (Developer Agreement 12.3), and the changelog records the change.

Two more questions follow from a lender’s profile. Which lenders fund flippers in one place, and which places one lender leads. Who is this lender? states the two limits every number here shares. The registry is a snapshot as of meta.coverage[].lenders.as_of. It covers the counties in meta.coverage[].lenders.counties. The recorded history captures about one open loan in five, so a history count is a floor.

Who lends to flippers in 85032

import { GodMode } from "@investorlift/godmode";

const gm = new GodMode(); // reads GM_API_KEY
const body = await gm.lenders.list({ market: "phx", zip: "85032", hard_money: "true" });

curl "https://api.investorlift.com/v1/lenders?market=phx&zip=85032&hard_money=true" \
  -H "Authorization: Bearer $GM_API_KEY"

const params = new URLSearchParams({ market: "phx", zip: "85032", hard_money: "true" });
const res = await fetch(`https://api.investorlift.com/v1/lenders?${params}`, {
  headers: { Authorization: `Bearer ${process.env.GM_API_KEY}` },
});
if (!res.ok) throw new Error(`${res.status} ${await res.text()}`);
const body = await res.json();

import os

import requests

r = requests.get(
    "https://api.investorlift.com/v1/lenders",
    params={"market": "phx", "zip": "85032", "hard_money": "true"},
    headers={"Authorization": f"Bearer {os.environ['GM_API_KEY']}"},
    timeout=30,
)
r.raise_for_status()
body = r.json()

investorlift lenders list --market phx --zip 85032 --hard-money true

The list shows the hard-money lenders active in the ZIP over the window, most loans first. Each row carries n (its loans there), share (of every lender’s loans there), n_first_lien, volume and last_recorded_on. rank is the position in this list. Without hard_money=true the banks and mortgage companies lead the same list. The list hides persons and government lenders unless you ask for them. A ZIP outside the counties the registry covers answers 422 outside_coverage and names the covered counties, never an empty page. The recorded example of this route ranks the hard-money lenders of the whole market, 2 rows. The same row shape answers for one ZIP:

{
  "data": [
    {
      "rank": 1,
      "lender": {
        "id": "len_b959a8d2abef",
        "name": "CAPITAL FUND I LLC",
        "lender_class": "NONBANK",
        "is_hard_money": true
      },
      "n": 816,
      "share": 0.003146,
      "n_first_lien": 515,
      "volume": 436204000,
      "last_recorded_on": "2026-06-11",
      "in_geometry": null,
      "as_of": "2026-06-25",
      "dated": true
    }
  ],
  "page": {
    "next_cursor": "eyJ2IjoxLCJydW4iOiIxNzg5NjM2NDcwIiwicSI6IjExMGJjNjdiMjJhNGY0YzdiZWUzMDM0MTc3YzI5MTc5YzM3YTIxMTg2YmI1ZDQ3MTEwNTUxMjRhYTRiNjIxZjUiLCJrIjpbMzE1LCJsZW5fODZlNjk3ZjdlZmZjIl19",
    "limit": 2,
    "returned": 2
  }
}

Since 0.19.0 period= picks the window: 12m, all, a year such as 2025, or a month such as 2026-05, beside the default 24m. So the same call with period=2026-05 is the ZIP’s ranking for one month, and twelve such calls are its monthly series. A point with radius_miles in place of the ZIP ranks the lenders around it. The row’s in_geometry says how many hex cells the circle became.

Which ZIPs does this lender lead

import { GodMode } from "@investorlift/godmode";

const gm = new GodMode(); // reads GM_API_KEY
const body = await gm.lenders.rankings("len_d2028f0766fc", { market: "phx", group_by: "zip", min_n: 10 });

curl "https://api.investorlift.com/v1/lenders/len_d2028f0766fc/rankings?market=phx&group_by=zip&min_n=10" \
  -H "Authorization: Bearer $GM_API_KEY"

const params = new URLSearchParams({ market: "phx", group_by: "zip", min_n: "10" });
const res = await fetch(`https://api.investorlift.com/v1/lenders/len_d2028f0766fc/rankings?${params}`, {
  headers: { Authorization: `Bearer ${process.env.GM_API_KEY}` },
});
if (!res.ok) throw new Error(`${res.status} ${await res.text()}`);
const body = await res.json();

import os

import requests

r = requests.get(
    "https://api.investorlift.com/v1/lenders/len_d2028f0766fc/rankings",
    params={"market": "phx", "group_by": "zip", "min_n": 10},
    headers={"Authorization": f"Bearer {os.environ['GM_API_KEY']}"},
    timeout=30,
)
r.raise_for_status()
body = r.json()

investorlift lenders rankings len_d2028f0766fc --market phx --group-by zip --min-n 10

GET /v1/lenders/{id}/rankings (since 0.19.0) is the ZIP list seen from the lender’s side. It returns one bucket per ZIP where the lender recorded 10 or more loans over the window, most loans first. Each bucket carries the lender’s n and volume there. It also carries its rank and share among every lender of the market in that ZIP, persons and government included. The buckets with rank: 1 are the ZIPs the profile’s n_zips_ranked_first_24m counts. The recorded answer: the two ZIPs where Kiavi recorded 10 or more loans in the window.

{
  "data": [
    {
      "key": "85040",
      "n": 10,
      "volume": 2411950,
      "n_purchase_money": 4,
      "n_investor": 9,
      "rank": 34,
      "share": 0.005966587,
      "partial": false,
      "floor": false,
      "as_of": "2026-06-25",
      "dated": true
    },
    {
      "key": "85254",
      "n": 10,
      "volume": 13894647,
      "n_purchase_money": 7,
      "n_investor": 8,
      "rank": 54,
      "share": 0.00325309,
      "partial": false,
      "floor": false,
      "as_of": "2026-06-25",
      "dated": true
    }
  ],
  "page": {
    "next_cursor": null,
    "limit": 3,
    "returned": 2
  }
}

group_by=city and group_by=county do the same by place. group_by=cell&res=8 does it by hex cell, for the profile’s map, and GET /v1/lenders/{id}/cells gives the counts alone. group_by=month&period=all is the lender’s 36-month series against the whole market, every month present, the last partial. A registry built before the place rankings answers 422 lenders_unavailable here and serves the three ranked-first counts as null.

Where to go next

When a call fails

The five failures a developer meets first: the body, the recovery and what to send to support.

GET /v1/lenders

Every place form, the window, the filters and every field of a ranking row, generated from the code.

Start here

Coverage

Keys and plans

Core concepts

Walkthroughs

Terms and policies

Who lends to flippers in 85032

Which ZIPs does this lender lead

Where to go next

When a call fails

GET /v1/lenders

​Who lends to flippers in 85032

​Which ZIPs does this lender lead

​Where to go next

When a call fails

GET /v1/lenders

Who lends to flippers in 85032

Which ZIPs does this lender lead

Where to go next