Property data, United States
Mortgage & HELOC Data
Active mortgages with lender, amount, rate type and origination date, plus explicit HELOC, refinance and equity-event flags.
Every recorded mortgage, refinance and home-equity line, tied to the parcel and the borrower. The file distinguishes purchase money from refinances and HELOCs, carries the lender name and loan amount, and estimates current balance and equity when combined with our valuations.
Because the events are explicit rather than inferred, the file works as a trigger feed: a homeowner who just opened a HELOC or refinanced is a very specific audience for contractors, solar, insurance and financial products. Purchase matches peak one to three years after origination, which is exactly the window most home-services buyers want.
Sample rows
Illustrative and synthetic. Real samples for your geography are a reply away.
| property_id | loan_type | event | amount | lender | rate_type | origination_date | term_months | estimated_equity |
|---|---|---|---|---|---|---|---|---|
| P4402••• | Conventional | Refinance | $3••,000 | UNITED WHOLESALE MORTGAGE | Fixed | 07/22/2026 | 360 | $2••,000 |
| P1180••• | HELOC | New line | $1••,000 | PNC BANK | Variable | 07/29/2026 | $4••,000 |
Schema
| Field | Type | Notes |
|---|---|---|
| property_id | identifier | non-personal |
| loan_type | text | non-personal |
| event | text | non-personal |
| amount | currency | non-personal |
| lender | text | non-personal |
| rate_type | text | non-personal |
| origination_date | date | non-personal |
| term_months | number | non-personal |
| estimated_equity | currency | non-personal |
Abridged. The full data dictionary ships with every sample and lists every field, its fill rate and its source.
Used for
- Mortgage marketing and rate-drop targeting
- Home-improvement and solar triggers on HELOC events
- Equity-based audiences for lenders and investors
- Lender market-share analytics
How it is built
Mortgage documents are joined to deeds so a purchase-money loan is tied to its sale. HELOC and refinance detection uses document type plus lender and amount patterns rather than guesswork. Expect a 30 to 60 day lag from origination to availability in most counties.
Questions we get
Can you append mortgage data to my customer file?
Yes. Send addresses or names plus addresses and we return current lender, origination date, loan type and estimated equity where matched.
Do you have rates?
Rate type and, where recorded, the note rate. Most counties do not record the rate, so treat it as a partial field.