Community association data for lenders and banks
Review condo projects and screen association risk with structured public-records data: structural-integrity inspection status, flood and catastrophe exposure, litigation flags, and registration standing. The signals that bear on warrantability and project eligibility, delivered through one API.
- 256,000+
- associations in the dataset
- 50 states
- of coverage
- Public records
- every field is sourced
- REST + MCP
- API access
Why lenders use it
The association can sink the condo loan
Condo project review turns on facts about the association: its inspections, its litigation, its standing. We make those facts structured, sourced, and queryable so they reach the file early.
Screen condo project condition
SIRS and milestone-inspection status surfaces buildings carrying deferred structural risk. An inspection flagged overdue is exactly the kind of finding that drives an escrow holdback or a project-eligibility question on a condo loan.
Catch litigation and standing issues early
Active litigation and a lapsed corporate registration are red flags for warrantability and project review. Read them at application instead of discovering them late in the file.
Quantify flood and hazard exposure
FEMA flood zone and National Risk Index data joined to association and property records, so flood and catastrophe exposure is one query rather than a manual lookup per address.
What is in the dataset
Sourced fields, built for project review
Every field is aggregated from public records and carries its source and refresh date.
Association registration and standing
Source: State corporate registries
SIRS and milestone-inspection status
Source: FL DBPR and county records
Flood zone and hazard exposure
Source: FEMA NRI and NFIP data
Litigation and dispute flags
Source: State and county court records
Management-of-record and officer changes
Source: DBPR CAM registry, state officer filings
Address, county, and project geography
Source: Parcel and cadastral records
Use cases
Where it fits in the workflow
Condo project review
Pull association standing, inspection status, and litigation flags for the project behind a condo loan, so your project-review team starts the file with the facts in hand.
Warrantability and eligibility screening
Flag the public-records signals that bear on project eligibility (active litigation, overdue inspections, registration lapses) before a file advances to underwriting.
Portfolio and servicing monitoring
Match a book of condo loans to association records and watch for a new litigation flag or an inspection going overdue across the projects you hold.
Risk and pricing context
Layer flood zone, hazard, and association-condition signals into risk and pricing models for habitational and condo lending.
Free to browse, licensed to build on
The dataset is sourced from public records and is free to browse on the website, one association at a time. Programmatic, at-scale access is a paid product: a paid plan grants a commercial-use license, the right to use the data inside your own product or workflow, plus reliability, bulk and scale, and a no-scrape guarantee.
Free tier: personal and evaluation
The free tier is for personal use and for evaluating the API before you commit. It does not grant a commercial-use license. Browsing the website is always free for everyone.
Paid tiers: commercial-use license
A paid plan grants the right to use the data commercially inside your own product or workflow, with bulk and scale access, SLA-grade reliability, and a no-scrape guarantee so you never have to crawl the site yourself.
Public records, source-attributed, not a consumer report
The dataset describes associations and properties from public registries, inspection filings, court records, and hazard data. It is not credit data, not a consumer report, and not personal data about borrowers. Your team applies the facts to your own eligibility and warrantability standards.
Questions
- What community association data do you provide for lenders?
- Structured records on condos and HOAs: registration status, SIRS and milestone-inspection status where reported, FEMA flood and hazard exposure, litigation flags, management-of-record and officer changes, and address and geography. Every field is aggregated from public records and carries a source.
- Is this a credit report or consumer data?
- No. The dataset is aggregated public records about associations, their corporate filings and inspections, and the properties in them. It is not a consumer report, not credit data, and not personal data about individual borrowers. We do not sell personal information.
- Does this make a warrantability or eligibility determination for us?
- No. We surface source-attributed facts. Your team applies them to your own project-review, warrantability, and eligibility standards. The dataset informs the decision; it does not make it.
- How current is the data?
- Records are refreshed on a recurring cadence from their source registries and feeds, and each record exposes when it was last refreshed, so you can judge freshness before relying on a signal in a file.
- How do lenders access it?
- Through the Common Elements API: a REST interface plus an MCP server for AI assistants. Query a single project, screen an application, or batch-match a portfolio. Start on the developer plans and talk to us about volume and an enterprise data agreement.
Put the data to work
Start with the API, explore the data, or talk to us about coverage and an enterprise data agreement for your book.