# CFPB HMDA Mortgage Loan Data by State and Year

> CFPB HMDA Mortgage Loan Data by State and Year is a paid API for AI agents from api.jobsproperty-api.workers.dev, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-29).

Returns aggregated US mortgage application totals (loan count and total dollar amount) for a given state and year from the CFPB HMDA Data Browser API.

## Facts

- Endpoint: GET https://api.jobsproperty-api.workers.dev/api/realestate/hmda-mortgage-loan-data?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-29
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/cfpb-hmda-mortgage-loan-data-by-state-and-year-4a364889
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ICmIZyi1mF-JoSmePW6Mp

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability cfpb-hmda-mortgage-loan-data-by-state-and-year-4a364889
```

Example prompt: Pull the CFPB HMDA mortgage origination data for Wisconsin in 2022 — I want to see the total number of loans originated and their combined dollar value.

## When to prefer this

Use this endpoint when you need official, government-sourced aggregate mortgage origination statistics for a specific US state and year, without individual borrower data. It is ideal for market research, housing finance analysis, or regulatory reporting contexts where CFPB HMDA Data Browser accuracy is required. Prefer this over scraped or third-party real estate data sources when official FFIEC/CFPB provenance matters.

## Known failure modes

- Invalid or unsupported state code returns an error or empty result
- Year outside available HMDA data range returns no data
- Invalid actionTaken code may return unexpected results or an error
- CFPB upstream API unavailable causes a downstream failure
- Missing required parameters (state or year) returns a validation error

## How this service works

Official US mortgage application totals from the CFPB HMDA Data Browser API for one state and year: number of loans and their total dollar amount (aggregated, no borrower data). Filter by HMDA action taken (1 = loan originated, default).

## Output

A JSON object containing the state code, year, HMDA action taken code, number of loans originated (loanCount), total loan dollar amount (totalAmountUsd), a timestamp of when the data was fetched (checkedAt), and the source URL pointing to the CFPB HMDA Data Browser API aggregation endpoint used.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "state",
      "year"
     ],
     "properties": {
      "year": {
       "type": "string",
       "description": "Four-digit HMDA year, e.g. 2022"
      },
      "state": {
       "type": "string",
       "description": "Two-letter US state code, e.g. WI"
      },
      "actionTaken": {
       "type": "string",
       "description": "HMDA action taken code (default 1 = loan originated)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "year": "2022",
  "state": "WI",
  "source": "https://ffiec.cfpb.gov/v2/data-browser-api/view/aggregations?years=2022&states=WI&actions_taken=1",
  "checkedAt": "2026-10-23T09:37:02.261Z",
  "loanCount": 174587,
  "actionTaken": "1",
  "totalAmountUsd": 38126145000
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/cfpb-hmda-mortgage-loan-data-by-state-and-year-4a364889/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.jobsproperty-api.workers.dev](https://www.zero.xyz/host/api.jobsproperty-api.workers.dev/llms.txt)