Mortgage · HMDA · NFIP · CRA

HMDA, NFIP, and CRA fields.
One call. Audit-ready.

GeoClear returns flood zone determination, census tract, block group, and county FIPS for any US address — the exact fields your compliance team needs for LAR reporting, flood disclosure, and CRA mapping. No geocoder step, no third-party vendor.

See compliance docs →
NFIP-compliant flood zones
HMDA census tract
<5ms server-side
Free tier — no credit card
geoclear — compliance enrichment response
{ "flood_zone": "AE", "flood_sfha": true, "flood_zone_desc": "Special Flood Hazard Area", "census_tract": "060372601", "census_block_group": "1", "county_fips": "06037", "county_name": "Los Angeles County", "state_fips": "06", "hmda_ready": true, "cra_eligible": true }
Compliance signals

Three fields. Three regulations. One call.

Every mortgage address lookup returns the data your compliance, underwriting, and servicing teams need — structured, authoritative, and LOS-ready.

🌊
NFIP · Flood Disclosure
Flood zone — NFIP disclosure

FEMA NFHL zone designation (AE, X, VE, A) and the SFHA boolean flag. Required for flood insurance disclosure on every federally-backed mortgage. No manual determination needed, no per-cert fee.

flood_zone flood_sfha flood_zone_desc
📋
HMDA · LAR Reporting
Census tract — HMDA LAR

Official Census TIGER/Line tract and block group, geocoded to the parcel — not just the ZIP code. Required for HMDA Loan Application Register reporting under Regulation C. Matches the CFPB's geocoding standard.

census_tract census_block_group
🗺️
CRA · Assessment Area
County FIPS — CRA mapping

5-digit FIPS identifier for every US county. Required for CRA assessment area mapping, tax jurisdiction routing, and government district classification. Returned with every address — no crosswalk table required.

county_fips county_name state_fips
Before & after

The old way costs time and money.

Every loan file needs flood cert, census tract, and county FIPS. The manual process stacks vendor fees and 2-day SLAs at every step.

Manual compliance process
Fragmented vendors, manual steps
  • ✕ Order flood cert from determination vendor — $3–15/address, 2-day SLA
  • ✕ Pull census tract from a separate geocoding API, reconcile results manually
  • ✕ Cross-reference FIPS table from Census Bureau to get county FIPS
  • ✕ Risk of stale flood maps — vendors update at their own cadence
  • ✕ No API for LOS integration — export, paste, or re-key into loan file
  • ✕ Each vendor requires its own contract, billing relationship, and uptime SLA
$3–15 per determination
2 days typical turnaround
3+ vendor contracts
With GeoClear
One API, all fields, instant
  • ✓ One API call per address — flood + census + FIPS in a single JSON response
  • ✓ Sub-5ms server-side — inline with loan origination, no batch queue
  • ✓ Authoritative sources for flood and census data — always current
  • ✓ LOS-ready JSON — integrate directly into your origination system
  • ✓ Included in Free tier — 10K lookups/month at no cost
  • ✓ One vendor, one contract, one key — flood + HMDA + CRA in one place
$0 Free tier included
<5ms server-side latency
1 API call covers all
Regulatory coverage

Every field. All free.

All three compliance fields are returned on every lookup — including the Free tier. No premium tier required to access HMDA, NFIP, or CRA fields.

Requirement Fields returned Tier
NFIP flood disclosure
Required for flood insurance disclosure on every federally-backed mortgage. Regulation: NFIA §102.
flood_zone flood_sfha flood_zone_desc
Free
HMDA LAR reporting
Required for Loan Application Register filing under Regulation C. Census TIGER/Line tract, parcel-level geocode.
census_tract census_block_group
Free
CRA assessment area
Required for Community Reinvestment Act assessment area mapping, tax district routing, and government district classification.
county_fips county_name state_fips
Free
Integration

Two lines to compliance-ready enrichment.

REST + JSON. No SDK, no configuration. Pass a street address, get back every field your LAR and flood disclosure workflow needs — inline, at origination time.

LAR address lookup — curl example 
# Lookup a loan address — returns flood zone, census tract, county FIPS in one call
curl -s -H "X-API-Key: YOUR_API_KEY" \
  "https://geoclear.io/api/address?street=3250+Wilshire+Blvd&city=Los+Angeles&state=CA"

# Response — every HMDA, NFIP, and CRA field you need
{
  "ok": true,
  "data": {
    "full_address":        "3250 Wilshire Blvd, Los Angeles, CA 90010",
    "latitude":            34.057880,
    "longitude":           -118.290442,

    // NFIP — flood zone determination
    "flood_zone":          "X",
    "flood_sfha":          false,
    "flood_zone_desc":     "Minimal flood hazard",

    // HMDA — census tract & block group for LAR
    "census_tract":        "060372601",
    "census_block_group":  "1",

    // CRA — county FIPS for assessment area mapping
    "county_fips":         "06037",
    "county_name":         "Los Angeles County",
    "state_fips":          "06",

    // Composite compliance flags
    "hmda_ready":          true,
    "cra_eligible":        true
  }
}
💡
Bulk processing: For high-volume LAR workflows, pass a CSV of addresses to the batch endpoint or use the bulk API. All compliance fields are included in every batch response at the same per-lookup price.
Start today

Start your free integration today.

10,000 lookups per month — flood zone, census tract, county FIPS. All compliance fields. No credit card. Instant key delivery.

Compliance docs