Mireye

/use-cases/lending

Commercial lending

Collateral assessment and site selection with federal-source provenance.

​ The query

cURL
curl -s https://api.mireye.com/v1/fetch \
  -H "Authorization: Bearer $MIREYE_API_TOKEN" \
  -H 'content-type: application/json' \
  -d '{
    "lat": 29.7604,
    "lng": -95.3698,
    "preset": "site_selection"
  }' | jq

​ The response

JSON
{
  "lat": 29.7604,
  "lng": -95.3698,
  "fetched_at": "2026-06-12T07:28:18.216670+00:00",
  "fields": {
    "elevation": {
      "value": 14.376572609,
      "unit": "meters",
      "source": "USGS_EPQS",
      "source_url": "https://epqs.nationalmap.gov/v1/json?x=-95.3698&y=29.7604&wkid=4326&units=Meters",
      "confidence": "high",
      "fetched_at": "2026-06-12T07:28:08.209880+00:00",
      "dataset_vintage": "3DEP dynamic service",
      "ttl_seconds": 31536000,
      "notes": null
    },
    "slope_degrees": {
      "value": 0.7228949666023254,
      "unit": "degrees",
      "source": "USGS_3DEP_COG",
      "source_url": "https://www.usgs.gov/3d-elevation-program",
      "confidence": "medium",
      "fetched_at": "2026-06-12T07:28:07.908468+00:00",
      "dataset_vintage": null,
      "ttl_seconds": 31536000,
      "notes": null
    },
    "lcms_class": {
      "value": "Barren or Impervious",
      "unit": null,
      "source": "USFS_LCMS",
      "source_url": "https://developers.google.com/earth-engine/datasets/catalog/USFS_GTAC_LCMS_v2024-10",
      "confidence": "high",
      "fetched_at": "2026-06-12T07:28:08.284669+00:00",
      "dataset_vintage": "2025-11",
      "t

​ What the credit memo says

  • Elevation 14.4 m (USGS EPQS / 3DEP) — above the local storm-surge plane.
  • Slope 0.7° (USGS 3DEP COG) — buildable as-is, no grading required.
  • Land cover “Barren or Impervious” (USFS LCMS) — already hardscaped urban ground; no greenfield conversion.
  • Not in a FEMA Special Flood Hazard Area (FEMA NFHL). NOTE: this is the NFHL SFHA polygon check, not a regulated flood-zone determination — the bank’s flood-insurance determination still needs a certified determination product.
  • Nearest major road 54 m (Overture Transportation).
  • Nearest transmission line 77 m at 138 kV, class 100–161 kV (EIA Energy Atlas) — service feasible without trunk extension.
  • No conservation easement intersection (PAD-US).
  • Parcel record: none at this point on the Regrid free tier (parcel_id: null, confidence unknown) — parcel geometry deferred to the title package.
  • Protected-area status unavailable this fetch — surfaced in partial_failures, recorded as a data gap rather than assumed clear.

​ The honesty pattern matters here

​ Protected-land encumbrances: a worked rejection

curl -s https://api.mireye.com/v1/fetch \
  -H "Authorization: Bearer $MIREYE_API_TOKEN" \
  -H 'content-type: application/json' \
  -d '{"lat": 37.8651, "lng": -119.5383, "fields": ["intersects_conservation_easement", "easement_holder", "intersects_critical_habitat", "critical_habitat_status"]}' | jq

​ Why this works for lending

  • Per-source citations survive auditor sampling. No vendor lookup required years later.
  • partial_failures honesty prevents silent substitutions that would otherwise contaminate the underwriting record.
  • Federal-only sources sidestep contractual issues with proprietary data on long-tenor loans where the data license might expire before the loan does.
  • ttl_seconds hints to the bank’s data warehouse how often each source is worth re-fetching — Census/Overture boundaries once a year, EIA daily.

​ What it does NOT do

  • Not a certified flood-zone determination. within_floodplain_polygon checks the FEMA National Flood Hazard Layer SFHA polygons directly, but a regulated flood-insurance determination (SFHDF) must come from a certified determination vendor.
  • Not an appraisal. Building values, comparable sales, and cap rates live elsewhere.
  • Not a title search. Conservation easements are surfaced via PAD-US; private easements, liens, and access agreements require a title search.