# Live Oak Bank

**Canonical:** https://apis.io/providers/live-oak-bank/  
**Website:** https://www.liveoak.bank/  
**APIs profiled:** 0

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.

## Kin Score — 9.5 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.5).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 23.7 |
| Access Clarity | 23.7 |

Regulatory layer — **Banking & Open Finance**: 12.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Partner-gated · Embedded banking / BaaS (no public developer portal) — onboarding: unknown, pricing: unknown, trial: no (confidence: high).

## Security (1)

- **Live Oak Bank Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

Financial-Services, Banking, United States, Small Business Lending, SBA, Embedded Banking, Banking as a Service, Digital Bank, Open Finance

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/live-oak-bank/). Scores are computed from the provider's own public artifacts under a published rubric.