Igni for Lenders — Construction & Renovation Leads
Construction and renovation lending leads from official permit feeds: early demand signals, typed by project, filterable by market and valuation.
For construction and renovation lenders, a new building permit is one of the earliest hard signals that financing demand is forming. When a property owner files to build an ADU, add square footage, or start new construction, they've committed to a project that often needs a construction loan, a renovation product, or a refinance. Seeing that activity early — by market, by project size — lets you reach borrowers before slower channels surface them.
The difficulty is that permit data is scattered across hundreds of city systems in inconsistent formats and goes stale quickly, so the demand signal is hard to read at portfolio scale. Igni normalizes those public records into one current, filterable feed so you can track where construction and renovation activity is heading. For the financing context around one fast-growing segment, see our ADU permit guide.
The problem
- Construction and renovation lending demand forms at the permit stage, but that signal is buried across dozens of incompatible city systems.
- By the time activity shows up in slower market data, borrowers have often already lined up financing elsewhere.
- It's hard to size and compare demand across markets when every jurisdiction publishes permits differently.
- ADU and SB-9 activity in California is a distinct, fast-moving segment that generic data sources don't isolate.
Read permit activity as an early demand signal
A cluster of new residential permits, ADU filings, or SB-9 lot splits in an area points to where construction lending, renovation financing, or acquisition activity is heading — often before slower indicators catch up. Permit data lets you treat that as a market signal rather than a list to call one by one.
Because a permit is a documented, money-backed action, it's a cleaner demand proxy than soft sentiment data. Igni surfaces that activity with sub-24-hour freshness across 60 cities in 37 US states, so you can spot concentrations as they form. Our guide on turning permit data into leads explains the early-signal logic in depth.
Compare markets on one consistent schema
Sizing demand across markets is impossible when every city publishes permits in its own format. Igni ingests directly from official municipal open-data portals and normalizes everything into one consistent schema — consistent dates, standardized statuses, recovered ZIP codes — so a filing in one city is directly comparable to a filing in another.
That comparability is what lets a lender look across a footprint and see where residential and ADU activity is concentrating, rather than reconciling a dozen incompatible exports by hand. Browse the breadth of coverage on the state coverage hub.
Isolate the segments that match your products
Different loan products map to different permit activity. Igni lets you filter by permit type, project valuation, ZIP code or city, and — in California — SB-9 eligibility and SB-10 corridor flags, plus typed ADU classification, so you can isolate the segment a given product serves.
A renovation-lending team can focus on residential filings in a valuation band; a team building an ADU-financing product can isolate typed ADU activity in their markets. For the California laws driving the ADU and lot-split segment, read our overview of SB-9 and SB-10. This is general market information, not financial or legal advice.
Verifiable open-data sourcing, contact-driven access
Every record traces back to a city's official open-data portal, so the demand signal rests on public records rather than an opaque purchased list — important diligence when a signal informs lending decisions. Igni's value is the normalization, typing, and freshness layered on top of that source.
Igni is contact-driven during its pilot: there's no public self-serve checkout yet. To discuss coverage in your lending footprint and how the feed fits your products, request access and tell us which markets and segments matter most.
The filters that matter for you
Frequently asked questions
How can permit data inform lending decisions?
Can I compare demand across different markets?
Does Igni isolate ADU and SB-9 activity?
How do we get access?
See coverage in your markets
Igni is contact-driven during its pilot. Tell us which cities and project types you focus on, and we'll show you the coverage and fit.
Related reading
Informational only, not legal, financial or investment advice. Housing and permitting rules change and vary by jurisdiction — verify current requirements with the relevant authority before relying on anything here.