Cook County homes with modeled equity, backed by recorded liens.
272,951 parcels carry a full equity record: the lien read off the recorded mortgage, the balance and value modeled on top, every field labeled which it is, and all of it rolled up to the owner who holds it. Segmented for the desk that has to act.
| Segment | Homes | Tappable equity |
|---|---|---|
| ≥ $100k equity | 199,611 | $60.8B |
| High equity | 153,070 | $49.3B |
| Reverse-mortgage prospect | 127,884 | $46.7B |
| Absentee owner | 150,571 | $34.3B |
| Absentee + $100k equity | 109,940 | $32.2B |
| Free & clear | 81,915 | $27.7B |
Coverage is the denominator we publish: 272,951 of 1,621,698 framed Cook County parcels (16.8%) carry a full equity record. Source data as of 2026-06-01; counts are computed live from that snapshot.
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$64.4B of modeled tappable equity, mapped and labeled.
Every equity-covered home in Cook County, distributed, concentrated and ready to segment. Source data as of 2026-06-01.
Equity distribution
share of each home owned outright- 0-10%15,392
- 10-20%9,166
- 20-30%13,368
- 30-40%20,898
- 40-50%29,621
- 50-60%31,607
- 60-70%23,887
- 70-80%16,238
- 80-90%13,968
- 90-100%15,329
- 100-110%83,648
By segment
modeled tappable equity- ≥ $100k equity$60.8B
- High equity$49.3B
- Reverse-mortgage prospect$46.7B
- Absentee owner$34.3B
- Absentee + $100k equity$32.2B
- Free & clear$27.7B
- HELOC sweet-spot$20.3B
Top ZIP codes
by tappable equity- ZIP 60614$3.4B
- ZIP 60657$2.2B
- ZIP 60093$1.7B
- ZIP 60091$1.7B
- ZIP 60062$1.6B
- ZIP 60618$1.5B
Incumbents model the lien. We read it off the record.
The large property-data vendors estimate what is owed on a home from national averages. EquiLien reads each mortgage (amount, lien position, releases) from Cook County's recorded documents, then ties it to the owner who holds it.
We observe the lien from the instrument and model the equity on top of it, because value is always an estimate, and we label every field which it is.
Observed from source
Lien position, principal, recording date and releases come from the recorded instrument, not from averages.
Owner-attributed
Every covered parcel resolved to the owner behind it, so a book of homes is one row.
Denominator published
16.8% coverage, stated on every screen, with what is not yet included listed plainly.
Recorded lien
Principal, position, recording date and release, read from the instrument.
Outstanding balance
The recorded principal amortized forward at a modeled rate.
Market value
An estimated current value with a stated confidence.
Equity $ and %
Value minus balance, banded, every field tagged with its provenance.
Find properties. Review owners. Monitor changes. Deliver.
Segment Board and Explorer
Pre-built buyer segments with live counts, plus a filter rail over a county map and a sortable data grid for building your own list.
Owner Portfolios and Property Intelligence
Parcels collapsed into the owner who holds them, and a per-property dossier: ownership column, CLTV, recorded mortgage, equity versus ZIP peers.
Recorder Monitor and Watchlists
Recorded events on the parcels you care about: new liens, releases, transfers and distress signals.
Export and API
Bulk CSV with provenance columns and a metered lookup API, entitlement-gated and suppression-aware.
Whatever you sell against equity, the cohort is already counted.
Credit-active borrowers in the 40 to 80% lendable band, ranked by untapped headroom.
Absentee owners with free-and-clear, distress and entity-held signals, plus the owner's whole portfolio.
Homes with a thick modeled equity cushion for shared-equity co-investment.
Long-tenure, owner-occupied, paid-off cohorts whose equity aged in through amortization.
Embed modeled equity, and with Rate+ the observed note rate, directly into your origination funnel.
Equity-based PMI-cancellation candidates and portfolio monitoring for risk teams.
The list nobody else hands you.
Raw-data vendors sell parcels. EquiLien collapses 272,951 covered parcels into the owners behind them and ranks each book by reachable equity.
- One row is one book: how many homes, across how many ZIPs, and the equity they sit on.
- Servicer and registered-agent addresses are flagged, never mis-attributed as owners.
- Drill any owner straight into the Explorer, scoped to their entire portfolio.
| Owner book | Parcels | ZIPs | Tappable equity |
|---|---|---|---|
|
Servicer / agent desk
likely servicer / agent
|
255 | 100 | $122.8M |
|
Servicer / agent desk
likely servicer / agent
|
30 | 22 | $31.2M |
|
Absentee book #03
7.0 free & clear · 10 ZIPs
|
16 | 10 | $19.1M |
|
Absentee book #04
7.0 free & clear · 1 ZIP
|
7 | 1 | $15.9M |
|
Absentee book #05
10.0 free & clear · 6 ZIPs
|
30 | 6 | $13.7M |
|
Servicer / agent desk
likely servicer / agent
|
51 | 1 | $10.8M |
We publish the denominator.
272,951 of Cook County's 1,621,698 framed parcels carry a full equity record as of 2026-06-01, and we say so on every screen. What is not in the v1 record:
Same county records. A different product.
| Capability | EquiLien | Typical national vendors |
|---|---|---|
| Owner-attributed portfolios across the whole covered county | Yes | not published per owner |
| Ready-made buyer segments and equity analytics | Yes | raw fields |
| Lien facts read from the recorded instrument | Yes | varies by product |
| Published coverage and per-field provenance | Yes | not published per address |
| County-scale pricing for a focused desk | Yes | enterprise contracts |
Vendor column describes the general shape of national property-data products as publicly marketed; it is not a claim about any named vendor's current offering.
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See your county's equity, backed by the record.
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