Unlock Technologies, Inc. is a Tempe, Arizona fintech founded in 2020 by Jim Riccitelli, Dan Foster and Ryan Craft, with a branch office in Troy, Michigan. Its flagship product is the home equity agreement (HEA) — a homeowner receives a lump sum today, from $15,000 up to $500,000, in exchange for a share of the home's future value, with no monthly payments and no interest, settled when the home is sold or refinanced or at the end of the ten-year term. Unlock charges an origination fee of up to 4.9% of the amount advanced, takes a share of the property capped at 49.9%, and caps its own return at 19.9% per year. The company is licensed in 26 US states and has raised roughly $52.6M in equity; its Series B included a $30M equity investment from D2 Asset Management, with Saluda Grade, Second Century Ventures and REACH also participating. Unlock sells to homeowners, not to developers: it publishes no developer program, no API reference, no SDKs, no key issuance and no partner API. The only machine-readable interfaces it exposes are the first-party WordPress REST namespaces behind www.unlock.com — `unlock/v1`, `unlock/v2` and `unlk/v1`, custom endpoints written for Unlock rather than WordPress core routes — plus the core `wp/v2` editorial content API. Both are captured here for discovery, are anonymously readable, and are read-only without credentials.
Unlock publishes 2 APIs on the APIs.io network: Site Content API and Editorial API. Tagged areas include Company, Financial Services, FinTech, Home Equity, and Mortgage.
Unlock’s developer surface includes engineering blog, support, pricing, signup flow, authentication, and 20 more developer resources.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/unlock: open an issue to ask a question, or submit a pull request to add artifacts.
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The first-party REST namespaces Unlock registers on www.unlock.com — `unlock/v1`, `unlock/v2` and `unlk/v1`. These are custom endpoints written for Unlock, not WordPress core ro...
Anonymous read access to the Unlock editorial archive through the WordPress core `wp/v2` namespace — 251 blog posts, 24 pages, 778 media items, 9 Learn articles, 13 homeowner st...
aid: unlock
name: Unlock
description: 'Unlock Technologies, Inc. is a Tempe, Arizona fintech founded in 2020 by Jim Riccitelli, Dan Foster and Ryan
Craft, with a branch office in Troy, Michigan. Its flagship product is the home equity agreement (HEA) — a homeowner receives
a lump sum today, from $15,000 up to $500,000, in exchange for a share of the home''s future value, with no monthly payments
and no interest, settled when the home is sold or refinanced or at the end of the ten-year term. Unlock charges an origination
fee of up to 4.9% of the amount advanced, takes a share of the property capped at 49.9%, and caps its own return at 19.9%
per year. The company is licensed in 26 US states and has raised roughly $52.6M in equity; its Series B included a $30M
equity investment from D2 Asset Management, with Saluda Grade, Second Century Ventures and REACH also participating. Unlock
sells to homeowners, not to developers: it publishes no developer program, no API reference, no SDKs, no key issuance and
no partner API. The only machine-readable interfaces it exposes are the first-party WordPress REST namespaces behind www.unlock.com
— `unlock/v1`, `unlock/v2` and `unlk/v1`, custom endpoints written for Unlock rather than WordPress core routes — plus the
core `wp/v2` editorial content API. Both are captured here for discovery, are anonymously readable, and are read-only without
credentials.'
url: https://raw.githubusercontent.com/api-evangelist/unlock/refs/heads/main/apis.yml
image: https://www.unlock.com/app/uploads/logo-footer-1.svg
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-02'
modified: '2026-09-02'
tags:
- Company
- Financial Services
- FinTech
- Home Equity
- Mortgage
- Real Estate
- Consumer Lending
- Home Equity Agreement
- Personal Finance
- Content
apis:
- aid: unlock:unlock-site-content-api
name: Unlock Site Content API
description: The first-party REST namespaces Unlock registers on www.unlock.com — `unlock/v1`, `unlock/v2` and `unlk/v1`.
These are custom endpoints written for Unlock, not WordPress core routes, and they serve the company blurb and Tempe address,
the 26 active states where the HEA is offered, legal disclaimers and footer disclosures, social profiles, logo assets,
navigation menus by location, 145 FAQ entries and their categories, 8 homeowner testimonials, and the Unlock Learn curriculum.
Anonymous access is read-only and needs no credential; the write methods the route index also advertises require a WordPress
application password.
humanURL: https://www.unlock.com/wp-json/unlock/v1
baseURL: https://www.unlock.com/wp-json
tags:
- Company
- FAQ
- Testimonials
- Education
- Content
properties:
- type: OpenAPI
url: openapi/unlock-site-content-api-openapi.yml
- type: Overlay
url: overlays/unlock-site-content-api-overlay.yaml
- type: Examples
url: examples/unlock-active-states.json
- type: Examples
url: examples/unlock-company.json
- type: Examples
url: examples/unlock-social.json
- type: Examples
url: examples/unlock-logos.json
- type: Examples
url: examples/unlock-faq-categories.json
- type: Examples
url: examples/unlock-education-topics.json
- type: Examples
url: examples/unlock-education-lessons.json
- type: Examples
url: examples/unlock-menus-primary.json
- aid: unlock:unlock-editorial-api
name: Unlock Editorial API
description: Anonymous read access to the Unlock editorial archive through the WordPress core `wp/v2` namespace — 251 blog
posts, 24 pages, 778 media items, 9 Learn articles, 13 homeowner stories, 6 education topics, 1 lesson and 11 bylined
authors, plus the categories, tags and education-category taxonomies, cross-type search, and the self-describing type
and status metadata. Read-only without credentials.
humanURL: https://www.unlock.com/wp-json/wp/v2
baseURL: https://www.unlock.com/wp-json
tags:
- Posts
- Articles
- Stories
- Media
- Taxonomies
- Search
- Content
properties:
- type: OpenAPI
url: openapi/unlock-editorial-api-openapi.yml
- type: Overlay
url: overlays/unlock-editorial-api-overlay.yaml
- type: Examples
url: examples/unlock-types.json
- type: Examples
url: examples/unlock-taxonomies.json
- type: Examples
url: examples/unlock-statuses.json
- type: Examples
url: examples/unlock-categories.json
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
- FN: APIs.json
email: info@apis.io
common:
- type: Website
url: https://www.unlock.com/
- type: About
url: https://www.unlock.com/about/
- type: Blog
url: https://www.unlock.com/blog/
- type: Support
url: https://support.unlock.com/
- type: HelpCenter
url: https://www.unlock.com/resources/faqs/
- type: Pricing
url: https://www.unlock.com/what-it-costs/
- type: SignUp
url: https://app.unlock.com/signup
- type: Login
url: https://app.unlock.com/login
- type: TermsOfService
url: https://www.unlock.com/legal/terms-of-use/
- type: PrivacyPolicy
url: https://www.unlock.com/legal/privacy-policy/
- type: GitHubOrganization
url: https://github.com/unlock-com
- type: Careers
url: https://www.unlock.com/careers/
- type: Authentication
url: authentication/unlock-authentication.yml
- type: Conventions
url: conventions/unlock-conventions.yml
- type: ErrorCatalog
url: errors/unlock-problem-types.yml
- type: DataModel
url: data-model/unlock-data-model.yml
- type: Lifecycle
url: lifecycle/unlock-lifecycle.yml
- type: Conformance
url: conformance/unlock-conformance.yml
- type: RateLimits
url: rate-limits/unlock-rate-limits.yml
- type: Plans
url: plans/unlock-plans-pricing.yml
- type: DomainSecurity
url: security/unlock-domain-security.yml
- type: LLMsTxt
url: llms/unlock-llms.txt
- type: Packages
url: packages/unlock-packages.yml
- type: AgentSkill
url: skills/_index.yml
- type: ToolCrosswalk
url: mcp/unlock-tool-crosswalk.yml
x-enrichment:
date: '2026-09-02'
status: enriched
artifacts_added: 33
pass: local-v1
x-coverage:
state: covered
reason: covered
detail: Unlock Technologies runs no developer program — no portal, reference, SDK, key issuance or partner API — but it
does serve two anonymously readable, undocumented first-party REST surfaces on www.unlock.com, and the WordPress route
index behind them publishes a full argument schema per route, which is what every contract in this profile was derived
from.
evidence:
- url: https://www.unlock.com/wp-json/
status: 200
- url: https://www.unlock.com/wp-json/unlock/v1/active-states
status: 200
- url: https://www.unlock.com/llms.txt
status: 404
- url: https://www.unlock.com/.well-known/security.txt
status: 404
checked: '2026-09-02'
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