`specs/lenders.md`

18 lines
# Lenders & Capital Sources — access spec  [discovery: COMPLETE 2026-07-31]

## 1. CA DFPI CFL/CRMLA ✅ FEED-FIRST (same Solr feed as escrow, $0)
- Endpoint: `https://searchcloud-1-us-west-2.searchstax.com/29847/dfpiprod-1839/emselect` (header `Authorization: Token cd1f7b503538c28008a908b324dcc2e8c60a4a3e`; re-pull `select_auth_token` from page if it 401s). Hit Solr directly — the dfpi.ca.gov HTML is Cloudflare-walled.
- Commercial proxy: `fq=ss_content_type_s:"Regulated Entity"` + `fq=ss_industry_s:"California Finance Lender and Broker"` (CFL = the license commercial/CRE/bridge/hard-money lenders hold). Optionally add CRMLA `"California Residential Mortgage Lender"`.
- Geo: no county field → ZIP range `Phy_Zip:[90001 TO 93599]` (SoCal 6 counties) or pull all-CA + filter in PG. **Watch out:** some rows are out-of-state HQ (e.g. National Funding = FL HQ w/ CA license) — filter on Phy_State/Phy_Zip.
- Fields: Legal_Name_Organization, Organization_DBA, License_Number, ss_industry_s, status_s, Phy_Address1, Phy_City, Phy_State, Phy_Zip, Originally_Licensed_On, ENFCASES. No phone/website/county.
- **Verified counts (live):** CFL Active statewide 7,588; **CFL Active + SoCal ZIP = 2,565**; CRMLA Active 5,678.
- → `dw_unified.rentv_licensed_targets` role='Lender' source='dfpi_cfl'. ToS: public transparency dataset, no captcha/login; paced ≤500 rows/page.

## 2. NMLS Consumer Access ⛔ DO NOT SCRAPE — HARD ToS RED LINE
- ToU explicitly bans: bulk copy/monitor, "scraping" programs, building a database to sell/license/make commercially available, and **soliciting** registered persons. A CRE targeting console = prohibited use. Per-query HUMAN verification only. Bulk = paid licensed CSBS/NMLS feed → **gated SPEND decision for Steve**, never an autonomous scrape.

## 3. AZ DIFI ⛔ no state feed → routes to NMLS (blocked as above)
- All AZ mortgage/consumer/sales-finance licensing is via NMLS; DIFI publishes no downloadable list. AZ lender coverage = manual NMLS verification or the paid CSBS feed. No autonomous bulk path.

## Net: build CA CFL/CRMLA now (feed-first). AZ lenders + any NMLS use = DROP/gated-spend. Enrich phone/website separately if needed.