HMDA Mortgage & Multifamily Lending API and MCP server

API access

Your AI client reaches HMDA Mortgage & Multifamily Lending through one ParcelOps MCP endpoint, so there is no separate key to hold for it and no per-source client to write. Reaching it takes no credentials of your own.

What this source cannot tell you

• ⚠ Anything outside United States, by published state, county, and MSA/MD geography. A request past that edge comes back empty rather than approximated.
• ⚠ Which years it spans, because the covered period is not declared.
• ⚠ Anything FFIEC HMDA Data Browser API does not publish. ParcelOps returns this source as it stands and never fills a blank field from a different one.
• ⚠ HMDA describes covered mortgage applications and originations, not every property transaction or lender.
• ⚠ Application-level records are public-use data with privacy modifications and are not parcel, title, appraisal, or underwriting records.

Methods (3)

A method is one call your agent can make against this source.

• getAggregations

  read

  Get a bounded official HMDA aggregation for exactly one geography and focused filter set.

  What you must provideyear

  FreshnessScheduled · every year (source-level)
  Input schema

  {
    "type": "object",
    "properties": {
      "year": {
        "type": "integer",
        "minimum": 2018,
        "maximum": 2025
      },
      "stateAlpha": {
        "type": "string",
        "pattern": "^[A-Za-z]{2}$",
        "description": "State-only geography, or a redundant state hint matching countyFips."
      },
      "countyFips": {
        "type": "string",
        "pattern": "^\\d{5}$"
      },
      "msaMd": {
        "type": "string",
        "pattern": "^\\d{5}$"
      },
      "lei": {
        "type": "string",
        "pattern": "^[A-Za-z0-9]{20}$"
      },
      "actionsTaken": {
        "type": "array",
        "minItems": 1,
        "maxItems": 8,
        "uniqueItems": true,
        "items": {
          "type": "integer",
          "minimum": 1,
          "maximum": 8
        }
      },
      "loanPurposes": {
        "type": "array",
        "minItems": 1,
        "maxItems": 6,
        "uniqueItems": true,
        "items": {
          "type": "integer",
          "enum": [
            1,
            2,
            31,
            32,
            4,
            5
          ]
        }
      },
      "loanTypes": {
        "type": "array",
        "minItems": 1,
        "maxItems": 4,
        "uniqueItems": true,
        "items": {
          "type": "integer",
          "enum": [
            1,
            2,
            3,
            4
          ]
        }
      },
      "constructionMethods": {
        "type": "array",
        "minItems": 1,
        "maxItems": 2,
        "uniqueItems": true,
        "items": {
          "type": "integer",
          "minimum": 1,
          "maximum": 2
        }
      },
      "lienStatuses": {
        "type": "array",
        "minItems": 1,
        "maxItems": 2,
        "uniqueItems": true,
        "items": {
          "type": "integer",
          "minimum": 1,
          "maximum": 2
        }
      },
      "limit": {
        "type": "integer",
        "minimum": 1,
        "maximum": 250
      }
    },
    "required": [
      "year"
    ],
    "additionalProperties": false
  }

  countyFips identifies the state; optional stateAlpha must match it.

• getLoanApplications

  read

  Retrieve a small public-use HMDA CSV slice for one county, lender, and action.

  What you must provideyearcountyFipsleiactionTaken

  FreshnessScheduled · every year (source-level)
  Input schema

  {
    "type": "object",
    "properties": {
      "year": {
        "type": "integer",
        "minimum": 2018,
        "maximum": 2025
      },
      "countyFips": {
        "type": "string",
        "pattern": "^\\d{5}$"
      },
      "lei": {
        "type": "string",
        "pattern": "^[A-Za-z0-9]{20}$"
      },
      "actionTaken": {
        "type": "integer",
        "minimum": 1,
        "maximum": 8
      },
      "loanPurpose": {
        "type": "integer",
        "enum": [
          1,
          2,
          31,
          32,
          4,
          5
        ]
      },
      "limit": {
        "type": "integer",
        "minimum": 1,
        "maximum": 100
      }
    },
    "required": [
      "year",
      "countyFips",
      "lei",
      "actionTaken"
    ],
    "additionalProperties": false
  }

• getServiceInfo

  read

  Return official source, supported years, filters, privacy treatment, and limitations.

  FreshnessScheduled · every year (source-level)
  Input schema

  {
    "type": "object",
    "properties": {},
    "required": [],
    "additionalProperties": false
  }

Where this source is used

• Residential real estate

  The parcel record, the housing programs that touch an address, and the conditions a buyer asks about.

• Realtors and brokerages

  The facts behind a listing, the programs a buyer may qualify for, and your own files in the same place.