Banking & Lending

Location context at every point in the mortgage lifecycle.

From origination to portfolio management, banks and mortgage lenders need accurate, consistent location data to value properties, score risk, and meet green product disclosure requirements. Neighbourly provides a structured API layer that integrates directly into lending platforms and AVM pipelines.

From origination to portfolio — location data that keeps up.

Clean location data is load-bearing infrastructure for a lending platform. At origination, an address that doesn't resolve cleanly to a canonical form creates downstream data quality problems that compound through the life of the loan. In AVM workflows, neighbourhood context and permit history are signal inputs that most providers aren't yet using. For green mortgage products, energy efficiency data at the address level is becoming a regulatory expectation, not just a product differentiator.

Neighbourly addresses all three stages. Address standardization and geocoding at origination ensure every loan record is anchored to a clean, validated civic address with a consistent identifier. Neighbourhood boundaries, demographics, and permit data enrich AVM models with the contextual signals that pure transaction-based models miss. And energy efficiency scores — derived from building characteristics and EnerGuide data where available — support green mortgage qualification and mandatory disclosure requirements.

The API is REST-based, returns clean JSON, and is designed to drop into existing origination and portfolio management workflows with minimal integration work.

Mortgage origination AVM enrichment Green mortgages Portfolio monitoring CRA mapping
Relevant data layers
  • Address Standardization — Normalize and validate civic addresses at origination to ensure clean, consistent records across the portfolio.
  • Energy & Utility Data — Verified energy efficiency scores and operating cost data for green mortgage qualification and disclosure requirements.
  • Neighbourhood Context — Curated neighbourhood boundaries and character data for collateral assessment and property valuation context.
  • Demographics — Census-aligned population, income, and household data for market analysis and CRA mapping.
  • Building Permits — Recent permit activity at and around an address — useful for AVM models and condition assessment.

Ready to improve your lending data stack?

Tell us about your origination workflows, your AVM pipeline, and your green product roadmap. We'll show you what fits.

Frequently asked questions

Common questions about this data and how to use it.

How do banks and lenders use Neighbourly?

To enrich origination workflows, AVM pipelines, and green-mortgage products with Canadian address-level energy, neighbourhood, and demographic data.

Can it support AVM and risk models?

Yes. Structured, address-resolvable data feeds directly into valuation and risk models.

What energy data is available for green mortgages?

Electricity, gas, and water consumption keyed to Ontario addresses, with more regions rolling out.

How does it integrate with our systems?

Through a single REST API with consistent, RESO-aligned fields — no GIS infrastructure required.

Is the data Canadian-hosted?

Yes, supporting data-residency and compliance requirements.