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 3 APIs on the APIs.io network: HELOC Inquiries, HELOC Pre-qualification, and Portfolio Manager. 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
45.9/100 developing Agent 71/100 agent native Full breakdown ↓
scored 2026-07-20 · rubric v0.4
3 APIs 1 MCP Servers 0 Features
CompanyFintechLendingHELOCHome EquityMortgageLoan OriginationWebhooksCapital Markets

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 45.9/100 · developing
Contract Quality 10.5 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 71/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
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
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

HELOC Inquiries

Manage the full HELOC inquiry lifecycle — start an inquiry, add borrower SSN, income and property estimates, verify liens, select matching property and offer, fetch borrower cos...

HELOC Pre-qualification

Non-licensed affiliate HELOC offer pre-qualification (v1 and v2).

Portfolio Manager

Reporting API for asset holders to query and download current and historical owned/pledged loan-tape and payment-history reports.

MCP Servers

figure-mcp.yml

MCP SERVER

Event Specifications

Figure Webhooks

ASYNCAPI

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
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:
- name: HELOC Inquiries
  description: Manage the full HELOC inquiry lifecycle — start an inquiry, add borrower SSN, income and property estimates,
    verify liens, select matching property and offer, fetch borrower costs, and list/download documents.
  humanURL: https://docs.figure.com/heloc-inquiries/api
  baseURL: https://api.figure.com
  properties:
  - type: OpenAPI
    url: openapi/figure-heloc-inquiries-openapi-original.yml
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
- name: HELOC Pre-qualification
  description: Non-licensed affiliate HELOC offer pre-qualification (v1 and v2).
  humanURL: https://docs.figure.com/heloc-pre-qualification/api
  baseURL: https://api.figure.com
  properties:
  - type: OpenAPI
    url: openapi/figure-heloc-pre-qualification-openapi-original.yml
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
- name: Portfolio Manager
  description: Reporting API for asset holders to query and download current and historical owned/pledged loan-tape and payment-history
    reports.
  humanURL: https://docs.figure.com/portfolio-manager/api
  baseURL: https://figure.com
  properties:
  - type: OpenAPI
    url: openapi/figure-portfolio-manager-openapi-original.yml
  - 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