LendKey website screenshot

LendKey

LendKey Technologies is a New York based digital lending platform that lets credit unions and community banks originate, fund and service consumer loans without building the technology themselves. Its network-lending model covers private student loans, student loan refinancing, home improvement lending and auto lending, and its ALIRO platform runs loan participations and post-origination liquidity between institutions. LendKey has surpassed $8 billion in loan originations. For integrators it operates a Kong Gateway fronted API estate published through a Kong Developer Portal at developer.lendkey.com, covering origination intake (leads, soft credit pull, credit attributes, scoring and application boarding), treasury management (loan inventory, disbursements, payments and capital ledger), and DocuSign backed e-signature contracts. Access is partner gated, with OAuth2 client-credentials credentials issued through the developer portal.

LendKey publishes 15 APIs on the APIs.io network, including Application Contracts API, applications API, auth API, and 12 more. Tagged areas include Company, Fintech, Lending, Loans, and Student Loans.

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

LendKey’s developer surface includes documentation, API reference, signup flow, support, engineering blog, authentication, sandbox, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
49.7/100 developing ▬ flat Agent 48/100 agent ready Full breakdown ↓
scored 2026-08-10 · rubric v0.9.1
AccessSelf serve
15 APIs 1 MCP Servers
CompanyFintechLendingLoansStudent LoansCredit UnionsBankingLoan OriginationFinancial ServicesPaymentsE-SignatureTreasury

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-10 · rubric v0.9.1
Composite quality — 49.7/100 · developing
Contract Quality 17.5 / 25
Developer Ergonomics 10.3 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.7 / 13
Governance 1.4 / 12
Discoverability 9.3 / 10
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 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/lendkey: 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 15

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

LendKey Application Contracts API

Endpoints for creating and managing loan application contracts

LendKey applications API

The applications API from LendKey — 1 operation(s) for applications.

LendKey auth API

The auth API from LendKey — 1 operation(s) for auth.

LendKey Authentication API

OAuth2 authentication endpoints

LendKey Credit Risk API

The Credit Risk API from LendKey — 4 operation(s) for credit risk.

LendKey Disbursements API

Disbursement processing and cancellation

LendKey email API

The email API from LendKey — 2 operation(s) for email.

LendKey internal API

Internal API operations for request logging

LendKey leads API

The leads API from LendKey — 1 operation(s) for leads.

LendKey Ledger Management API

Capital ledger operations

LendKey Lender Templates API

Manage DocuSign template assignments for lenders

LendKey Loans API

Loan creation and management

LendKey onboarding API

The onboarding API from LendKey — 1 operation(s) for onboarding.

LendKey Payments API

Payment and remittance processing

LendKey Webhooks API

Endpoints for receiving DocuSign webhook notifications

Scroll for all 15

MCP Servers 1

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

lendkey-mcp.yml

MCP SERVER

Event Specifications 1

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

Lendkey Webhooks

ASYNCAPI

Security Posture 2

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

Lendkey Authentication

oauth2 · 1 scheme

SECURITY

Lendkey Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Lendkey Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 SignUp
SignUp
 Login
Login
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Authentication
Authentication
 OAuthScopes
OAuthScopes
 DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

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

Source (apis.yml)

apis.yml Raw ↑ 
aid: lendkey
name: LendKey
description: LendKey Technologies is a New York based digital lending platform that lets credit unions and community banks
  originate, fund and service consumer loans without building the technology themselves. Its network-lending model covers
  private student loans, student loan refinancing, home improvement lending and auto lending, and its ALIRO platform runs
  loan participations and post-origination liquidity between institutions. LendKey has surpassed $8 billion in loan originations.
  For integrators it operates a Kong Gateway fronted API estate published through a Kong Developer Portal at developer.lendkey.com,
  covering origination intake (leads, soft credit pull, credit attributes, scoring and application boarding), treasury management
  (loan inventory, disbursements, payments and capital ledger), and DocuSign backed e-signature contracts. Access is partner
  gated, with OAuth2 client-credentials credentials issued through the developer portal.
url: https://raw.githubusercontent.com/api-evangelist/lendkey/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://www.lendkey.com/wp-content/uploads/2018/08/cropped-LK512.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- threshold-ventures
x-tier: enriched
x-tier-reason: four-published-openapi-specs
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Lending
- Loans
- Student Loans
- Credit Unions
- Banking
- Loan Origination
- Financial Services
- Payments
- E-Signature
- Treasury
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: lendkey:lendkey-application-contracts-api
  name: LendKey Application Contracts API
  description: Endpoints for creating and managing loan application contracts
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - Application Contracts
  properties:
  - type: OpenAPI
    url: openapi/lendkey-application-contracts-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-applications-api
  name: LendKey applications API
  description: The applications API from LendKey — 1 operation(s) for applications.
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - applications
  properties:
  - type: OpenAPI
    url: openapi/lendkey-applications-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-auth-api
  name: LendKey auth API
  description: The auth API from LendKey — 1 operation(s) for auth.
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - auth
  properties:
  - type: OpenAPI
    url: openapi/lendkey-auth-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-authentication-api
  name: LendKey Authentication API
  description: OAuth2 authentication endpoints
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/lendkey-authentication-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-credit-risk-api
  name: LendKey Credit Risk API
  description: The Credit Risk API from LendKey — 4 operation(s) for credit risk.
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - Credit Risk
  properties:
  - type: OpenAPI
    url: openapi/lendkey-credit-risk-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-disbursements-api
  name: LendKey Disbursements API
  description: Disbursement processing and cancellation
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - Disbursements
  properties:
  - type: OpenAPI
    url: openapi/lendkey-disbursements-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-email-api
  name: LendKey email API
  description: The email API from LendKey — 2 operation(s) for email.
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - email
  properties:
  - type: OpenAPI
    url: openapi/lendkey-email-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-internal-api
  name: LendKey internal API
  description: Internal API operations for request logging
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - internal
  properties:
  - type: OpenAPI
    url: openapi/lendkey-internal-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-leads-api
  name: LendKey leads API
  description: The leads API from LendKey — 1 operation(s) for leads.
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - leads
  properties:
  - type: OpenAPI
    url: openapi/lendkey-leads-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-ledger-management-api
  name: LendKey Ledger Management API
  description: Capital ledger operations
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - Ledger Management
  properties:
  - type: OpenAPI
    url: openapi/lendkey-ledger-management-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-lender-templates-api
  name: LendKey Lender Templates API
  description: Manage DocuSign template assignments for lenders
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - Lender Templates
  properties:
  - type: OpenAPI
    url: openapi/lendkey-lender-templates-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-loans-api
  name: LendKey Loans API
  description: Loan creation and management
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - Loans
  properties:
  - type: OpenAPI
    url: openapi/lendkey-loans-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-onboarding-api
  name: LendKey onboarding API
  description: The onboarding API from LendKey — 1 operation(s) for onboarding.
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - onboarding
  properties:
  - type: OpenAPI
    url: openapi/lendkey-onboarding-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-payments-api
  name: LendKey Payments API
  description: Payment and remittance processing
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/lendkey-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
- aid: lendkey:lendkey-webhooks-api
  name: LendKey Webhooks API
  description: Endpoints for receiving DocuSign webhook notifications
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/lendkey-webhooks-api-openapi.yml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
common:
- type: Website
  url: https://www.lendkey.com/
- type: DeveloperPortal
  url: https://developer.lendkey.com/default/
- type: Documentation
  url: https://developer.lendkey.com/default/documentation
- type: APIReference
  url: https://developer.lendkey.com/default/documentation/integration-api
- type: SignUp
  url: https://developer.lendkey.com/default/register
- type: Login
  url: https://developer.lendkey.com/default/login
- type: Support
  url: https://www.lendkey.com/contact-us/
- type: Blog
  url: https://www.lendkey.com/blog/
- type: GitHubOrganization
  url: https://github.com/lendkey
- type: TermsOfService
  url: https://www.lendkey.com/terms-of-use/
- type: PrivacyPolicy
  url: https://www.lendkey.com/privacy-policy/
- type: Authentication
  url: authentication/lendkey-authentication.yml
- type: OAuthScopes
  url: scopes/lendkey-scopes.yml
- type: DomainSecurity
  url: security/lendkey-domain-security.yml
- type: Conventions
  url: conventions/lendkey-conventions.yml
- type: ErrorCatalog
  url: errors/lendkey-problem-types.yml
- type: Lifecycle
  url: lifecycle/lendkey-lifecycle.yml
- type: Conformance
  url: conformance/lendkey-conformance.yml
- type: DataModel
  url: data-model/lendkey-data-model.yml
- type: Sandbox
  url: sandbox/lendkey-sandbox.yml
- type: MCPServer
  url: mcp/lendkey-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/lendkey-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence