SAMPLE US Mortgage & Lien Data (127M+ Properties): Complete Debt, Equity & Transaction Intelligence

Here is the comprehensive, expanded product listing for Monda.ai.

This version digs deeper into specific industry applications—particularly for Lenders, Note Buyers, and Solar/Home Service companies—and highlights the technical advantages of BatchData’s normalization engine.

BatchData | Monda.ai Product Listing
Product Title
US Mortgage & Lien Data (155M+ Properties): Complete Debt, Equity & Transaction Intelligence

Short Description
Comprehensive debt intelligence on 155M+ US properties. Access 140+ data points including live interest rates, loan terms, private lender details, open lien balances, and involuntary liens to power underwriting, lead gen, and risk analysis.

Overview
Stop guessing at a property's financial health. BatchData’s Mortgage Transaction & Open Liens dataset transforms messy, fragmented public records into a clean, developer-ready stream of truth. Covering over 155 million U.S. properties (Nationwide), this dataset provides a deterministic view of the entire "Debt Stack"—allowing you to calculate exact equity, identify distress, and audit loan positions with precision.

Unlike legacy aggregators that simply dump raw county recorder data, our proprietary Smart Ingestion Engine normalizes lender names, categorizes loan types (e.g., distinguishing a "Construction Loan" from a "Reverse Mortgage"), and recalculates open balances daily. We track the full lifecycle of a lien—from filing to assignment to release—ensuring you never trigger workflows based on stale debt.

The BatchData Difference:

Private Lender Visibility: We don't just track big banks. We expose private party lenders, hard money loans, and seller carry-back notes—critical data for investors finding off-market opportunities.

Involuntary Lien Detection: Instantly flag properties encumbered by "silent" debt like HOA liens, Mechanic’s liens, or Tax liens that threaten typical first-position security.

Calculated Equity Engine: We combine our AVM (Automated Valuation Model) with the total open lien balance to deliver a live "Estimated Equity" figure, saving you the math.

Data Schema & Attributes
Includes 140+ standardized fields across three primary categories:

Mortgage Intelligence:

Loan Specifics: Loan Amount, Interest Rate (Fixed/Adjustable/Variable), Rate Type Code, Loan Term (Months), Maturity Date.

Loan Classification: Conventional, FHA, VA, Construction, HELOC/Credit Line, Reverse Mortgage, Private Party/Seller Carry.

Lender Details: Normalized Lender Name (e.g., "Wells Fargo" vs. "Wells Fargo Bank NA"), Trustee Details, Servicer (where available).

Key Dates: Recording Date, Document Date, Due Date.

Lien & Encumbrance Details:

Position Tracking: 1st, 2nd, 3rd, and Junior positions identified.

Involuntary Liens: Federal/State Tax Liens, Mechanic’s/Contractor Liens, HOA/COA Assessment Liens, Municipal Liens, Child Support Liens.

Judgments: Lien Amount, Judgment Amount, Filing Date, Release Date.

Status Indicators: Active/Open, Released, Assigned.

Financial Calculations:

CLTV (Combined Loan-to-Value): Precise ratio of all open debt against current market value.

Equity: Estimated Numeric Equity ($) and Equity Percentage (%).

Distress Signals: Notice of Default (NOD), Lis Pendens, Notice of Trustee Sale (NOTS).

Expanded Use Cases by Industry
1. Mortgage Lending & Refinance Marketing

Rate Arbitrage Targeting: Programmatically identify homeowners with interest rates >7% or those stuck in Adjustable Rate Mortgages (ARMs) nearing their reset date.

HELOC Origination: Filter for "High Equity" (>60%) properties with low CLTV to identify prime candidates for Home Equity Lines of Credit marketing.

Non-QM Lead Gen: Spot self-employed borrowers with private money loans or balloon payments coming due—ideal candidates for Non-QM refinance products.

2. Note Investing & Debt Buying

Distress Scouting: Identify "Zombie Mortgages" or non-performing notes by correlating "Pre-Foreclosure" flags with "Open Lien" balances.

Junior Lien Strategy: Find properties where the 2nd lien is active but the 1st is distressed, allowing strategic buyouts of junior positions.

Due Diligence: Verify the priority of liens before purchasing a note to ensure you aren't buying into a position wiped out by superior tax or municipal liens.

3. Real Estate Investment (Creative Finance)

"Subject-To" Acquisition: Locate sellers with high-equity, low-interest fixed-rate mortgages (e.g., <4%) who are facing distress (Tax Liens/Divorce). These are prime targets for taking over payments ("Subject-To" deals).

Private Money Lending: Analyze local private lending activity to see who is funding flips in your target zip codes (Contractor Vetting).

4. Solar & Home Improvement Services

Credit Qualification: Stop wasting ad spend on homeowners who can’t get financing. Use our LTV and Equity data to pre-qualify leads before the sales call.

Lien Risk Check: Ensure a property doesn't have a "Mechanic’s Lien" or "Tax Lien" that would prevent your solar financing partner from funding the project.

5. PropTech & Software Development

Automated Underwriting: Feed Loan Origination Systems (LOS) with verified debt history to instantly flag undisclosed liens or secondary financing during the application process.

Wallet Share Analysis: Build dashboard widgets that show a user's "Total Real Estate Wealth" by auto-calculating their equity across all properties owned.

Delivery Methods
REST API: Low-latency lookup by address, APN, or owner name.

Bulk File: Full state/county extracts (CSV/Parquet) for massive ingestion.

Snowflake/Cloud Share: Direct, zero-ETL data sharing for enterprise analytics.

Databricks Delta Sharing: Secure data exchange directly into your environment.

About the Provider
BatchData is the developer-first data platform trusted by the fastest-growing PropTech companies to deliver accuracy, speed, and transparency.

While legacy providers rely on manual aggregation that lags by weeks, BatchData uses proprietary automated collection methods to verify property, ownership, and debt data daily. We transform 30-minute research tasks into 30-second API calls, helping businesses turn raw public records into confident, profitable decisions.

搜集汇总

背景与挑战

背景概述

该数据集提供超过1.55亿美国房产的全面抵押和留置权情报，涵盖140多个数据点，包括实时利率、贷款条款和留置权余额。它通过专有标准化引擎将零散公共记录转化为干净数据流，支持贷款审批、风险分析和投资决策等应用。