UpEquity

UpEquity is an Austin, Texas based, veteran-owned proptech mortgage lender and title company founded in 2019 that operates a "Buy Before You Sell" / Trade Up program for homeowners who are purchasing and selling at the same time. The company advances the equity trapped in a client's existing home so the client can make a non-contingent — effectively all-cash — offer on a new home, move once, and sell the old home afterward, with UpEquity making a backup offer on the departing residence. It also runs UpEquity Title and originates mortgages directly under NMLS #2101265, licensed across roughly twenty US states. Distribution is through real-estate agents and loan officers rather than a developer channel: as of this profiling pass UpEquity publishes no developer portal, no API reference, and no machine-readable API contract of any kind on any host it controls.

UpEquity is profiled on the APIs.io network. Tagged areas include Company, Real Estate, Mortgage, Lending, and Financial Services.

UpEquity’s developer surface includes support and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

9.1/100 minimal ▬ flat Agent 3/100 human only Front door AI 1/6 silent Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Company Real Estate Mortgage Lending Financial Services PropTech Home Buying Title Insurance Fintech

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 9.1/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.8 / 17

Access Clarity 2.9 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.7 / 9

Regulatory Posture 1.3 / 15

Agent readiness — 3/100 · 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 7 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance 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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 4.8 — up to +19.0 composite points
Access Clarity scores 17.1 — up to +16.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/upequity/apis.yml: open an issue on github.com/api-evangelist/upequity to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

UpEquity API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Upequity Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Upequity Rate Limits

0 limits

RATE LIMITS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Upequity Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

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 2

Status, limits, changes, and where to get help

Support

Support

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Plans

Plans

Company 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Licensing

Licensing

Source (apis.yml)

aid: upequity
name: UpEquity
description: 'UpEquity is an Austin, Texas based, veteran-owned proptech mortgage lender and title company founded in 2019
  that operates a "Buy Before You Sell" / Trade Up program for homeowners who are purchasing and selling at the same time.
  The company advances the equity trapped in a client''s existing home so the client can make a non-contingent — effectively
  all-cash — offer on a new home, move once, and sell the old home afterward, with UpEquity making a backup offer on the departing
  residence. It also runs UpEquity Title and originates mortgages directly under NMLS #2101265, licensed across roughly twenty
  US states. Distribution is through real-estate agents and loan officers rather than a developer channel: as of this profiling
  pass UpEquity publishes no developer portal, no API reference, and no machine-readable API contract of any kind on any host
  it controls.'
url: https://raw.githubusercontent.com/api-evangelist/upequity/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: none
  source:
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://20424362.fs1.hubspotusercontent-na1.net/hubfs/20424362/UpEquity%20Brand%20Assets/UpEquityLogo-01.svg
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-02'
modified: '2026-09-02'
tags:
- Company
- Real Estate
- Mortgage
- Lending
- Financial Services
- PropTech
- Home Buying
- Title Insurance
- Fintech
tags_raw:
- Company
- Real Estate
- Mortgage
- Lending
- Financial Services
- Proptech
- Home Buying
- Title Insurance
- Fintech
- Real-Estate
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/upequity-domain-security.yml
- type: Website
  url: https://www.upequity.com/
- type: Support
  url: https://www.upequity.com/contact-us
- type: Login
  url: https://www.upequity.com/login
- type: PrivacyPolicy
  url: https://www.upequity.com/privacy-policy
- type: GitHubOrganization
  url: https://github.com/upequity
- type: Licensing
  url: https://www.upequity.com/licensing
- type: LLMsTxt
  url: llms/upequity-llms.txt
- type: Plans
  url: plans/upequity-plans-pricing.yml
- type: RateLimits
  url: rate-limits/upequity-rate-limits.yml
x-enrichment:
  date: '2026-09-02'
  status: minimal
  artifacts_added: 5
  pass: local-v1
x-coverage:
  state: none
  reason: no-developer-program
  detail: UpEquity is a HubSpot-hosted mortgage lender marketing site with no developer channel at all — /openapi.json, /swagger.json,
    /graphql and every /.well-known/ path return the HubSpot 404 page, and api./docs./developers./developer./app./portal.upequity.com
    do not resolve in DNS, so there was no host to probe beyond www.
  evidence:
  - url: https://www.upequity.com/openapi.json
    status: 404
  - url: https://www.upequity.com/.well-known/agent-card.json
    status: 404
  - url: https://api.upequity.com/
    status: 0
  - url: https://www.upequity.com/
    status: 200
  checked: '2026-09-02'

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