Live Oak Bank

aid: live-oak-bank
url: https://raw.githubusercontent.com/api-evangelist/live-oak-bank/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
x-api-posture-note: 'Its API surface is real but partner-gated: a production AWS API gateway operates at api.liveoak.bank
  (returning MissingAuthenticationToken to unauthenticated callers, with Live-Oak-specific lob-identi'
name: Live Oak Bank
kind: company
description: 'Live Oak Bank (Live Oak Banking Company) is a digital, branchless, North Carolina state-chartered commercial
  bank founded in 2008 and headquartered in Wilmington, NC, operating as the primary subsidiary of Live Oak Bancshares, Inc.
  (NYSE: LOB). It is the largest originator of U.S. Small Business Administration (SBA) 7(a) loans in the country and serves
  small businesses in all 50 states with SBA and commercial lending, high-yield business and personal savings, CDs, and business
  checking with treasury services. Technology-forward for a bank of its size, Live Oak runs a cloud-native Finxact core (now
  Fiserv) with an Apiture-based digital banking platform, and in 2024 launched an in-house embedded-banking / Banking-as-a-Service
  (BaaS) program that lets software companies deliver Live Oak deposit and payment products to their own customers. Its API
  surface is real but partner-gated: a production AWS API gateway operates at api.liveoak.bank (returning MissingAuthenticationToken
  to unauthenticated callers, with Live-Oak-specific lob-identity-id / lob-foreign-entity-id headers), but Live Oak publishes
  no public self-serve developer portal, no downloadable OpenAPI/Swagger, and no public API reference. Consumer-permissioned
  data access is available through account aggregators rather than a first-party public API, and no FDX participation or CFPB
  Section 1033 data-access posture is publicly documented.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: partner
  onboarding: contact-sales
  trial: false
  try_now: false
  public: false
  label: Partner-gated · Embedded banking / BaaS (no public developer portal)
  confidence: high
  source:
  - website
  - api-gateway-probe
  generated: '2026-07-23'
  method: manual
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- United States
- Small Business Lending
- SBA
- Embedded Banking
- Banking as a Service
- Digital Bank
- Open Finance
tags_raw:
- Financial Services
- Banking
- United States
- Small Business Lending
- SBA
- Embedded Banking
- Banking-as-a-Service
- Digital Bank
- Open Finance
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/live-oak-bank-domain-security.yml
- type: Website
  url: https://www.liveoak.bank/
- type: Blog
  url: https://resources.liveoak.bank/blog
- type: Support
  url: https://support.liveoak.bank/
- type: PrivacyPolicy
  url: https://www.liveoak.bank/online-privacy-notice/
- type: LinkedIn
  url: https://www.linkedin.com/company/live-oak-bank
- type: GitHubOrganization
  url: https://github.com/liveoakbank
- type: SignUp
  url: https://www.liveoak.bank/get-started/
- type: LLMsTxt
  url: llms/live-oak-bank-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com