LendKey

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
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:integration
  name: LendKey Integration API
  description: LendKey's third-party integration surface for loan origination — lead creation, soft credit pull, combined
    monthly debt, credit attribute resolution, applicant scoring, application boarding, application status polling and transactional
    email. Responses are application/hal+json with HAL page and link metadata. The spec describes it as being for third-party
    dependencies and integrations.
  humanURL: https://developer.lendkey.com/default/documentation/integration-api
  baseURL: https://proxy.kong.lkeyprod.com/integration/
  tags:
  - Loan Origination
  - Credit
  - Scoring
  - Leads
  - Notifications
  properties:
  - type: OpenAPI
    url: openapi/lendkey-integration-openapi.yml
  - type: Overlay
    url: overlays/lendkey-integration-overlay.yaml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/integration-api
- aid: lendkey:treasury-management
  name: LendKey Treasury Management API
  description: Manages loan inventory, disbursements, payments and treasury operations behind Kong Gateway, which injects
    the backend OutSystems credentials. Covers loan creation, disbursement creation and cancellation, subledger payment posting
    (interest, principal, late fee, NSF fee) and capital ledger external-id updates. Write operations can return HTTP 207
    Multi-Status with per-item errors.
  humanURL: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
  baseURL: https://api.lendkey.com/TreasuryMgmt
  tags:
  - Treasury
  - Loans
  - Disbursements
  - Payments
  - Ledger
  properties:
  - type: OpenAPI
    url: openapi/lendkey-treasury-management-openapi.yml
  - type: Overlay
    url: overlays/lendkey-treasury-management-overlay.yaml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/os-treasury-management-prod
- aid: lendkey:esign
  name: LendKey E-Sign API
  description: Creates and manages electronic signature contracts using DocuSign, behind Kong Gateway. Covers lender template
    assignment and lookup, application contract envelope creation from a lender template with the full Truth-in-Lending disclosure
    set, envelope status history, signer detail retrieval and embedded signing link generation. Also exposes an inbound DocuSign
    Connect webhook receiver.
  humanURL: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
  baseURL: https://api.lendkey.com/esign
  tags:
  - E-Signature
  - DocuSign
  - Contracts
  - Loan Documents
  properties:
  - type: OpenAPI
    url: openapi/lendkey-esign-openapi.yml
  - type: Overlay
    url: overlays/lendkey-esign-overlay.yaml
  - type: Documentation
    url: https://developer.lendkey.com/default/documentation/esign-kotlin-prod
- aid: lendkey:partner-integration-internal
  name: LendKey Partner Integration Internal API
  description: Internal logging API used by the loan origination service and other internal services to record partner API
    request and response pairs for monitoring and debugging, surfaced on the Partner API Dashboard. Accepts organization,
    request source and requester attribution headers.
  humanURL: https://developer.lendkey.com/default/documentation/loan-origination-partner-integration-prod
  baseURL: https://api.lendkey.com/lo_partnerintegrationinternalapi
  tags:
  - Logging
  - Observability
  - Internal
  properties:
  - type: OpenAPI
    url: openapi/lendkey-partner-integration-internal-openapi.yml
  - type: Overlay
    url: overlays/lendkey-partner-integration-internal-overlay.yaml
  - 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