The FIPS Code Lending Limit API Specification illustrates how to define a standard REST based OpenAPI for searching lending limits based on a property’s postal code and county name. This specification has achieved "Candidate Recommendation” status, which means that it has been thoroughly reviewed by a wide range of organizations and industry participants and is available for use across the industry.

Annually, the Federal Housing Finance Agency (FHFA) publishes conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac (the GSEs), based on the FIPS code. Currently, there is no standardized mechanism for accessing this information.

The FIPS Code Lending Limit API Specification is MISMO’s latest effort to define industry-wide standard interfaces for common business functions. This specification will guide the user, using the MISMO API Toolkit, through how to build FIPS Code Lending Limit API requirements for searching lending limits (and optionally the FIPS state and county codes) based on a property’s postal code and county name. The FIPS Code Lending Limit API Specification package includes:

  • Comprehensive information guide
  • A sample Business Analyst template to serve as a guide for users
  • Fillable, customizable Business Analyst Template  
  • Relevant YAML files.

MISMO, the Mortgage Industry Standards Maintenance Organization, works to solve key business challenges. This is made possible by lender support of the MISMO Innovation Investment Fee. 

Access Information for Members

MISMO Members can access the work product in the Resource Library housed on MISMO's Collaboration Site, "MISMO Connect" here.

Access Information for Non-Members

Non-Members can access the work product here.


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