Figure website screenshot

Figure

Figure is a fintech lender and blockchain-native capital marketplace, backed by Ribbit Capital, and one of the largest non-bank HELOC (home equity line of credit) originators in the United States. Its Partner APIs let affiliates, brokers, and loan originators run the full HELOC lifecycle — pre-qualification, inquiry creation, borrower/SSN/income and property enrichment, lien verification, matching-property and offer selection, borrower costs, and document retrieval — plus a Portfolio Manager reporting API for asset holders to query and download owned and pledged loan-tape and payment-history data. The REST APIs authenticate with an apikey header behind a Kong gateway, support optional JWE/RSA payload encryption, expose separate test and production environments, and push webhooks as inquiries and applications progress.

Figure publishes 8 APIs on the APIs.io network, including Encryption API, HELOC application requests API, HELOC Offers API, and 5 more. Tagged areas include Company, Fintech, Lending, HELOC, and Home Equity.

The Figure catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Figure’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, authentication, sandbox, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
49.2/100 developing ▬ flat Agent 40/100 agent ready Full breakdown ↓
scored 2026-08-10 · rubric v0.9.1
AccessSelf serve
8 APIs 1 MCP Servers
CompanyFintechLendingHELOCHome EquityMortgageLoan OriginationWebhooksCapital Markets

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-10 · rubric v0.9.1
Composite quality — 49.2/100 · developing
Contract Quality 15.5 / 25
Developer Ergonomics 12.5 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 3.8 / 13
Governance 1.4 / 12
Discoverability 9.3 / 10
Agent readiness — 40/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/figure: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Figure Encryption API

The Encryption API from Figure — 1 operation(s) for encryption.

Figure HELOC application requests API

The HELOC application requests API from Figure — 19 operation(s) for heloc application requests.

Figure HELOC Offers API

The HELOC Offers API from Figure — 2 operation(s) for heloc offers.

Figure Loan Originator requests API

The Loan Originator requests API from Figure — 1 operation(s) for loan originator requests.

Figure Loan Tape V1 API

The Loan Tape V1 API from Figure — 6 operation(s) for loan tape v1.

Figure Loan Tape V2 API

The Loan Tape V2 API from Figure — 3 operation(s) for loan tape v2.

Figure Payment History V1 API

The Payment History V1 API from Figure — 3 operation(s) for payment history v1.

Figure Payment History V2 API

The Payment History V2 API from Figure — 1 operation(s) for payment history v2.

Scroll for all 8

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

figure-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Figure Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Figure Authentication

apiKey · 1 scheme

SECURITY

Figure Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Figure Agentic Access

36 operations · 15 acting

36 operations · 15 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Login
Login
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Webhooks
Webhooks
 Conventions
Conventions
 Lifecycle
Lifecycle
 Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 DataModel
DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication
Authentication
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 3

Properties that don't map to a standard resource type

Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: figure
name: Figure
description: Figure is a fintech lender and blockchain-native capital marketplace, backed by Ribbit Capital, and one of the
  largest non-bank HELOC (home equity line of credit) originators in the United States. Its Partner APIs let affiliates, brokers,
  and loan originators run the full HELOC lifecycle — pre-qualification, inquiry creation, borrower/SSN/income and property
  enrichment, lien verification, matching-property and offer selection, borrower costs, and document retrieval — plus a Portfolio
  Manager reporting API for asset holders to query and download owned and pledged loan-tape and payment-history data. The
  REST APIs authenticate with an apikey header behind a Kong gateway, support optional JWE/RSA payload encryption, expose
  separate test and production environments, and push webhooks as inquiries and applications progress.
url: https://raw.githubusercontent.com/api-evangelist/figure/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://cdn.figure.com/shared-assets/social-logos/figure-logo-social.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- ribbit-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Lending
- HELOC
- Home Equity
- Mortgage
- Loan Origination
- Webhooks
- Capital Markets
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: figure:figure-encryption-api
  name: Figure Encryption API
  description: The Encryption API from Figure — 1 operation(s) for encryption.
  humanURL: https://docs.figure.com/heloc-inquiries/api
  baseURL: https://api.figure.com
  tags:
  - Encryption
  properties:
  - type: OpenAPI
    url: openapi/figure-encryption-api-openapi.yml
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure:figure-heloc-application-requests-api
  name: Figure HELOC application requests API
  description: The HELOC application requests API from Figure — 19 operation(s) for heloc application requests.
  humanURL: https://docs.figure.com/heloc-inquiries/api
  baseURL: https://api.figure.com
  tags:
  - HELOC application requests
  properties:
  - type: OpenAPI
    url: openapi/figure-heloc-application-requests-api-openapi.yml
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure:figure-heloc-offers-api
  name: Figure HELOC Offers API
  description: The HELOC Offers API from Figure — 2 operation(s) for heloc offers.
  humanURL: https://docs.figure.com/heloc-inquiries/api
  baseURL: https://api.figure.com
  tags:
  - HELOC Offers
  properties:
  - type: OpenAPI
    url: openapi/figure-heloc-offers-api-openapi.yml
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure:figure-loan-originator-requests-api
  name: Figure Loan Originator requests API
  description: The Loan Originator requests API from Figure — 1 operation(s) for loan originator requests.
  humanURL: https://docs.figure.com/heloc-inquiries/api
  baseURL: https://api.figure.com
  tags:
  - Loan Originator requests
  properties:
  - type: OpenAPI
    url: openapi/figure-loan-originator-requests-api-openapi.yml
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure:figure-loan-tape-v1-api
  name: Figure Loan Tape V1 API
  description: The Loan Tape V1 API from Figure — 6 operation(s) for loan tape v1.
  humanURL: https://docs.figure.com/heloc-inquiries/api
  baseURL: https://api.figure.com
  tags:
  - Loan Tape V1
  properties:
  - type: OpenAPI
    url: openapi/figure-loan-tape-v1-api-openapi.yml
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure:figure-loan-tape-v2-api
  name: Figure Loan Tape V2 API
  description: The Loan Tape V2 API from Figure — 3 operation(s) for loan tape v2.
  humanURL: https://docs.figure.com/heloc-inquiries/api
  baseURL: https://api.figure.com
  tags:
  - Loan Tape V2
  properties:
  - type: OpenAPI
    url: openapi/figure-loan-tape-v2-api-openapi.yml
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure:figure-payment-history-v1-api
  name: Figure Payment History V1 API
  description: The Payment History V1 API from Figure — 3 operation(s) for payment history v1.
  humanURL: https://docs.figure.com/heloc-inquiries/api
  baseURL: https://api.figure.com
  tags:
  - Payment History V1
  properties:
  - type: OpenAPI
    url: openapi/figure-payment-history-v1-api-openapi.yml
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure:figure-payment-history-v2-api
  name: Figure Payment History V2 API
  description: The Payment History V2 API from Figure — 1 operation(s) for payment history v2.
  humanURL: https://docs.figure.com/heloc-inquiries/api
  baseURL: https://api.figure.com
  tags:
  - Payment History V2
  properties:
  - type: OpenAPI
    url: openapi/figure-payment-history-v2-api-openapi.yml
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
common:
- type: Website
  url: https://www.figure.com
- type: DeveloperPortal
  url: https://docs.figure.com/
- type: Documentation
  url: https://docs.figure.com/
- type: APIReference
  url: https://docs.figure.com/heloc-inquiries/api
- type: GettingStarted
  url: https://docs.figure.com/getting-started
- type: Blog
  url: https://www.figure.com/blog/
- type: Support
  url: https://www.figure.com/partner/success-center/
- type: GitHubOrganization
  url: https://github.com/FigureTechnologies
- type: TermsOfService
  url: https://www.figure.com/terms/
- type: PrivacyPolicy
  url: https://www.figure.com/privacy/
- type: Login
  url: https://www.figure.com/leadportal/login/
- type: StatusPage
  url: https://status.figure.com
- type: Authentication
  url: authentication/figure-authentication.yml
- type: DomainSecurity
  url: security/figure-domain-security.yml
- type: AgenticAccess
  url: agentic-access/figure-agentic-access.yml
- type: Webhooks
  url: asyncapi/figure-webhooks.yml
- type: Sandbox
  url: sandbox/figure-sandbox.yml
- type: Conventions
  url: conventions/figure-conventions.yml
- type: Lifecycle
  url: lifecycle/figure-lifecycle.yml
- type: MCPServer
  url: mcp/figure-mcp.yml
- type: LLMsTxt
  url: llms/figure-llms.txt
- type: Conformance
  url: conformance/figure-conformance.yml
- type: ErrorCatalog
  url: errors/figure-problem-types.yml
- type: DataModel
  url: data-model/figure-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/figure-heloc-inquiries-overlay.yaml
- type: Overlay
  url: overlays/figure-heloc-pre-qualification-overlay.yaml
- type: Overlay
  url: overlays/figure-portfolio-manager-overlay.yaml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence