The data behind this site

Everything on APR.net is built from public records, and the processed figures are published here as plain JSON — no key, no account, no rate limit.

/data/api/rates.json

Mortgage rates

Weekly 30- and 15-year averages, a daily locked-rate index, monthly series for five years and annual averages back to 1971.

/data/api/limits.json

Loan limits

Conforming limits for every county, plus FHA floor and ceiling. Same snapshot the site renders from.

/data/api/zip-counties.json

Postcode to county

Every US postcode mapped to a county FIPS, with city names. The key that turns an address into everything else here.

/data/api/llpa.json

Price adjustments

The Fannie Mae LLPA grid by credit score and LTV, with the loan-feature adjustments.

/data/api/lending.json

Lending summary

National and per-state medians from HMDA filings: rate, lender fees, loan counts.

/data/api/state/{XX}.json

One state in detail

Per-county medians and the largest lenders. Two-letter code, lower case — for example /data/api/state/ia.json. 51 states available.

/data/api/lenders.json

Lenders

Every lender with 1,000+ originations: medians and a state-by-state breakdown.

/data/api/metros.json

Metro areas

Medians for 411 metro and micropolitan areas, including the metropolitan divisions.

/data/api/history.json

Year by year

National and per-state medians for every year of filings held.

Terms

Free for any use, including commercial. No key, no registration, no rate limit — these are static files on a CDN, so hammering them costs us nothing.

Attribution is appreciated but not required. What we do ask: if you publish figures derived from this, carry the same caveats we do. HMDA contains no credit scores, so none of the lending medians can be presented as pricing for an individual, and differences between lenders reflect who they serve as much as what they charge. The methodology sets this out.

Stability

Fields are not renamed or removed; new ones are appended. If the shape ever has to change incompatibly, it will appear under a new path rather than mutate in place.

The lending files are rebuilt once a year when the CFPB publishes; rates are refreshed weekly; limits and price adjustments change annually. Each payload carries its own vintage — check year, generated or source.captured rather than assuming freshness.

Where the numbers come from

Nothing here is proprietary. Everything is derived from public sources:

Lending medians — Home Mortgage Disclosure Act filings, published by the CFPB.
Rates — Freddie Mac’s weekly survey and the Optimal Blue lock index, via FRED.
Loan limits — the FHFA county file, plus HUD’s national FHA floor and ceiling.
Price adjustments — Fannie Mae’s published LLPA matrix.

We add the processing: normalising, aggregating, applying publication thresholds and sanitising values that cannot describe real lending. That work is described in the methodology, and anyone can reproduce it from the same sources.

A note on what is missing

There is no borrower-level data here and never will be. The underlying HMDA release is already modified to protect privacy, and everything published on this site is aggregated well above those thresholds.