Live Oak Bank

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.

Live Oak Bank is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, United States, Small Business Lending, and SBA.

Live Oak Bank’s developer surface includes engineering blog, support, signup flow, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

9.5/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

Financial-ServicesBankingUnited StatesSmall Business LendingSBAEmbedded BankingBanking as a ServiceDigital BankOpen Finance

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 9.5/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 4.0 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 1.9 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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/live-oak-bank: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: live-oak-bank
url: https://raw.githubusercontent.com/api-evangelist/live-oak-bank/refs/heads/main/apis.yml
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: '2026-08-11'
  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