Who lends in a ZIP, on the lean set?

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.

The lean set answers the lender questions of Who lends to flippers in a ZIP? on /v3, from the county records of one state. A lender is an organization of the set, with the id of GET /v3/orgs/{id}. Its loans are a dated slice of the county records, and meta.build.states[].financing_as_of gives the date. Every window anchors on that date. A lender name is served when it reads as a company. The name of a person as a lender arrives empty on this host.

Who lends in one ZIP

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

const gm = new GodMode(); // reads GM_API_KEY
const body = await gm.lean.lenders({ state: "AZ", zip: "85251", limit: 3 });

curl "https://api.investorlift.com/v3/lenders?state=AZ&zip=85251&limit=3" \
  -H "Authorization: Bearer $GM_API_KEY"

const params = new URLSearchParams({ state: "AZ", zip: "85251", limit: "3" });
const res = await fetch(`https://api.investorlift.com/v3/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/v3/lenders",
    params={"state": "AZ", "zip": "85251", "limit": 3},
    headers={"Authorization": f"Bearer {os.environ['GM_API_KEY']}"},
    timeout=30,
)
r.raise_for_status()
body = r.json()

investorlift lean lenders --state AZ --zip 85251 --limit 3

GET /v3/lenders ranks the lenders of record of a state, a county or a ZIP over a period. The default period is the 24 months before the date of the slice. Each row carries the lender, its loans there (n), its volume, its first liens and its share of every lender’s loans in the place. rank is the position under the sort, and it continues across pages. tags keeps the banks or the hard-money lenders, and min_n cuts the long tail. A ZIP outside the place index answers 404, never an empty page. The recorded answer, the three lenders with the most loans in the ZIP:

{
  "data": [
    {
      "rank": 1,
      "lender": {
        "org_id": "AZ:F00471426",
        "org_name": "M&T Equipment Finance Corporation",
        "from_registry": true,
        "tags": []
      },
      "n": 210,
      "volume": 0,
      "n_first_lien": 0,
      "share": 0.089475927,
      "last_recorded_on": "2024-08-02",
      "as_of": "2026-06-25"
    }
  ],
  "page": {
    "next_cursor": "eyJ2IjoxLCJydW4iOiJ8bGVhbi1BWjE3OTE0Nzc4OTMtQ0ExNzkwMjE1MTkwLUZMMTc5MDI2MjY4Mi1UWDE3OTAyNDgyMTMiLCJxIjoiNzAxMTczMDBlYTg1ZGRiZDY1MzEyZGIxZGRkMTI0M2FhMjU1MWJlZDlkZThmYmI5NGM1MWM1NWM3ZjRkMmNlMyIsImsiOls4MywxNjExMzc2NiwiQVo6MDIzMzI1NDQiXX0",
    "limit": 3,
    "returned": 3
  }
}

One lender, its places and its spellings

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

const gm = new GodMode(); // reads GM_API_KEY
const body = await gm.lean.lender("AZ:23078262");

curl "https://api.investorlift.com/v3/lenders/AZ:23078262" \
  -H "Authorization: Bearer $GM_API_KEY"

const res = await fetch("https://api.investorlift.com/v3/lenders/AZ:23078262", {
  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/v3/lenders/AZ:23078262",
    headers={"Authorization": f"Bearer {os.environ['GM_API_KEY']}"},
    timeout=30,
)
r.raise_for_status()
body = r.json()

investorlift lean lender AZ:23078262

GET /v3/lenders/{id} serves one lender organization: its loans by window and by rule, its open book and the quantiles of its amounts, rates and terms. The body adds its term shares, its places, its rank in the state and the same key in the other served states. names[] lists its spellings on the county records, and by_county[] and by_zip[] give its loans in each place with its rank there. The same id opens the organization on GET /v3/orgs/{id}, whose lending block is this body without the spellings and the places.

{
  "data": {
    "id": "AZ:23078262",
    "kind": "registry",
    "display_name": "ROCKET MORTGAGE, LLC",
    "tags": [
      "institution"
    ],
    "counts": {
      "n_loans_24m": 24565,
      "volume_24m": 7184725266
    },
    "open": {
      "n_liens": 101487
    },
    "terms": {
      "amount_p50": 260000
    },
    "rank_in_state": {
      "loans_24m": 1,
      "volume_24m": 2
    },
    "places": {
      "n_zips_24m": 314,
      "n_counties_24m": 15,
      "top_zip5_24m": "85383",
      "top_zip_share_24m": 0.01652758
    },
    "by_zip": [
      {
        "key": "85383",
        "n_24m": 406,
        "n_all": 3631,
        "volume_24m": 140677899,
        "share_of_lender": 0.01652758,
        "rank_in_place": 1,
        "share_of_place": 0.06468058
      }
    ]
  }
}

Its loans in the ZIP

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

const gm = new GodMode(); // reads GM_API_KEY
const body = await gm.lean.lenderLoans("AZ:23078262", { zip: "85251", limit: 3 });

curl "https://api.investorlift.com/v3/lenders/AZ:23078262/loans?zip=85251&limit=3" \
  -H "Authorization: Bearer $GM_API_KEY"

const params = new URLSearchParams({ zip: "85251", limit: "3" });
const res = await fetch(`https://api.investorlift.com/v3/lenders/AZ:23078262/loans?${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/v3/lenders/AZ:23078262/loans",
    params={"zip": "85251", "limit": 3},
    headers={"Authorization": f"Bearer {os.environ['GM_API_KEY']}"},
    timeout=30,
)
r.raise_for_status()
body = r.json()

investorlift lean lender-loans AZ:23078262 --zip 85251 --limit 3

GET /v3/lenders/{id}/loans lists the loans of the lender, newest recording first, one keyset page. Each row is an open position or a recorded instrument with its amounts, its dates, its terms, its labels and its parcel. zip, product, term_band, label and the two amount bounds cut the list. A property listed on the Investorlift marketplace now serves no street line and an approximate point.

{
  "data": [
    {
      "loan_key": "8d6f30a4daf06847956e2978dac68e62",
      "source": "open",
      "lender": {
        "org_id": "AZ:23078262",
        "org_name": "ROCKET MORTGAGE, LLC",
        "from_registry": true,
        "tags": [
          "institution"
        ]
      },
      "recording_date": "2026-05-22",
      "loan_amount": 444150,
      "term_band": "ge_360m",
      "product": "other",
      "parcel": {
        "line": "6278 E Catalina Dr",
        "zip": "85251"
      }
    }
  ],
  "page": {
    "next_cursor": "eyJ2IjoxLCJydW4iOiJ8bGVhbi1BWjE3OTE0ODcyNTAtQ0ExNzkwMjE1MTkwLUZMMTc5MDI2MjY4Mi1UWDE3OTAyNDgyMTMiLCJxIjoiMjlkZmYxNGVjMDdhNzZlYmZhZjY2NGJiODczZjRlOTY1NzBkMjc3MGQwYThkNWMxMDQ5OTU5MTU4NDA3M2NmOSIsImsiOlsiMjAyNi0wNS0xOCIsIjI1NWY1ODMyZGEwY2ExNWQ0YTEwOWFmMDE2ZjFkMGZhIiwib3BlbiIsMV19",
    "limit": 3,
    "returned": 3
  }
}

The financing of one parcel is on GET /v3/properties/{id} under financing. The block holds the open positions, the recorded instruments, the involuntary liens, the valuation and the equity, at the date of the slice. The search finds a lender by a spelling of its loans with kind=lender.

Its borrowers

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

const gm = new GodMode(); // reads GM_API_KEY
const body = await gm.lean.lenderBorrowers("AZ:23078262", { limit: 3 });

curl "https://api.investorlift.com/v3/lenders/AZ:23078262/borrowers?limit=3" \
  -H "Authorization: Bearer $GM_API_KEY"

const params = new URLSearchParams({ limit: "3" });
const res = await fetch(`https://api.investorlift.com/v3/lenders/AZ:23078262/borrowers?${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/v3/lenders/AZ:23078262/borrowers",
    params={"limit": 3},
    headers={"Authorization": f"Bearer {os.environ['GM_API_KEY']}"},
    timeout=30,
)
r.raise_for_status()
body = r.json()

investorlift lean lender-borrowers AZ:23078262 --limit 3

GET /v3/lenders/{id}/borrowers lists the borrowers of the lender as organizations, the most loans first, one keyset page. Each row is a counterparty with the relation lent_to: the organization, its tags, the loans between the two and the sum of their amounts. q matches a word of the name, registered_only keeps the organizations of the business registry, and period=24m keeps the borrowers of the 24 months. This host does not name a borrower that reads as a person. The route answers 422 while the state has no loan links.

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 /v3/lenders

The bucket, the period, the filters, the sorts 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 in one ZIP

One lender, its places and its spellings

Its loans in the ZIP

Its borrowers

Where to go next

When a call fails

GET /v3/lenders

​Who lends in one ZIP

​One lender, its places and its spellings

​Its loans in the ZIP

​Its borrowers

​Where to go next

When a call fails

GET /v3/lenders

Who lends in one ZIP

One lender, its places and its spellings

Its loans in the ZIP

Its borrowers

Where to go next