EquityUp for AI agents and tools

Endpoints

The same endpoints are described in OpenAPI 3.1 at https://equityup.pro/openapi.json, and summarised for language models at https://equityup.pro/llms.txt and https://equityup.pro/llms-full.txt.

Thresholds returned by the rules endpoint

These are the loan-to-value ratios at which private mortgage insurance can be cancelled or must terminate under the Homeowners Protection Act of 1998, 12 U.S.C. §4901 et seq.

• Borrower-requested cancellation, original value basis: 80% LTV (12 U.S.C. §4902(a))
• Automatic termination, original value basis: 78% LTV (12 U.S.C. §4902(b))
• Appreciation path, loan under 5 years old: 75% LTV (12 U.S.C. §4902(a)(3)(A))
• Appreciation path, loan 5 years or older: 80% LTV (12 U.S.C. §4902(a)(3)(B))
• The Act applies to loans consummated on or after 1999-07-29.

Where the loan age is unknown, the stricter figure applies. Meeting a threshold opens the right to request cancellation in writing; it does not by itself end the insurance. A servicer may require a valuation, at the homeowner's expense, before acting on the request.

Example

GET https://equityup.pro/api/v1/hpa-rules

Evaluating a specific loan

The eligibility endpoint takes a loan balance and a property value and returns every statutory path it evaluated, each with its citation. It takes no address, stores nothing, and is not property-specific — supply the property value yourself, or read one from the market endpoint below.

POST https://equityup.pro/api/v1/pmi-eligibility
Content-Type: application/json

{
  "loan_balance": 410000,
  "property_value": 540000,
  "year_purchased": 2021
}

The response carries ltv, the applicable threshold_ltv and its citation, whether the threshold is met, the dollar gap if it is not, and the pathways array showing every path evaluated. Supplying original_value adds the original-value paths alongside the appreciation path.

Market data and its provenance

GET https://equityup.pro/api/v1/market/84043

Covers 37 ZIP codes across Utah, Salt Lake, Davis, and Weber counties. Every response names the county record it derives from, the filter applied, and the timestamp of the computation, so a figure can be quoted with its source and its age.

Method

Aggregates are computed server-side against each county's Land Information Record (LIR) parcel layer, filtered to detached single-family homes with the clause HOUSE_CNT = 1 AND BLDG_SQFT BETWEEN 800 AND 5000 and to parcels carrying a positive assessed market value. They are recomputed every 24 hours.

A ZIP code outside the coverage area returns 404 with an error of zip_not_covered and the full list of covered ZIP codes. A covered ZIP whose aggregate has not yet been computed returns 404 with aggregate_not_available and a link to the page that warms it. Neither case returns an estimate.

Limitations

These bound how an EquityUp figure should be used.

• Coverage is limited to Utah, Salt Lake, Davis, and Weber counties in Utah. Properties outside these four counties are not in the dataset.
• County assessed values reflect the assessment cycle and typically lag the market by 12 to 18 months. Where an automated valuation or an FHFA county index adjustment is available, EquityUp applies it and says so in the response; where neither is, the unadjusted assessed value is used.
• City-level aggregates are filtered to detached single-family homes using the parcel-record proxy 'HOUSE_CNT = 1 AND BLDG_SQFT BETWEEN 800 AND 5000'. Condominiums, multi-family parcels, and homes outside that square-footage range are excluded.
• An LTV figure derived from an assessed or automated value is not an appraisal. A lender or servicer may require its own broker price opinion or appraisal, at the homeowner's expense, before acting on a cancellation request.
• Threshold and citation data describe the federal Homeowners Protection Act. Individual loan servicers may impose additional requirements, such as a minimum seasoning period or a clean payment history, that the statute does not.

Rate limits and citation

Requests are rate limited per IP address: 60 per minute for the rules and market endpoints, 30 per minute for the eligibility endpoint. There is no key to request and no paid tier for the API.

When quoting a figure, cite the endpoint or page it came from together with the computed_at or Last reviewed date that figure carries. Aggregates change as counties publish new assessments, so a figure without its date is not reproducible.

Reference pages

• What is PMI — definition, cost, and who it protects.
• How to remove PMI — the statutory paths and the request procedure.
• FHA MIP removal — why FHA mortgage insurance follows different rules.
• PMI removal calculator — the same thresholds, client-side.
• Home equity by ZIP code — per-city aggregates for 37 ZIP codes.