Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Exemplar 3 Complete, well-documented, and agent-ready

CarsXE Lien & Theft APIEncumbrance and theft screening — 1 operation (getLienTheft) returning active lien holders, theft reports a...73.9 Blnk Cloud APIManaged Cloud REST surface covering OAuth auth, a Proxy API to a Core instance, Data API, Filters API, Aler...67.4 Blnk Watch APIRule-based transaction monitoring API (transaction evaluation, instruction management, Git-backed rule sync...67.4

Strong 4 Solid coverage with minor gaps

Citizens Pay APICitizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pa...61.6 Mastercard Consumer Credit AnalyticsLenders are increasingly turning to alternative data sources to gain a clearer picture of a consumer's true...55.7 Mastercard Small Business Credit AnalyticsSmall Business Credit Analytics provides underwriters with access to near real-time transaction-based insig...55.7 Copper.co Lending APIThe lending API from Copper.co — 34 operation(s) for lending.54.8

Developing 10 Usable, with meaningful gaps to close

Direct Web API — MLOThe Direct Web API MLO reference exposes Member Loan Officer / lender-side data from the Matrix MLS platfor...54.0 Temenos Lending APICommercial lending operations including loan origination, facility management, and repayment processing.53.4 Amberdata Lending APIThe Lending API from Amberdata — 10 operation(s) for lending.50.6 Bond Credit APIOpen and service credit accounts for credit-builder and secured charge card programs — submit credit applic...48.2 Finicity Verification of Assets (VoA) APIGenerates a consumer-permissioned Verification of Assets report from aggregated account and balance data fo...47.2 Toqio Lending APIThe Lending API from Toqio — 1 operation(s) for lending.47.2 Blockdaemon DeFi APISingle REST interface (formerly Expand Network) into multiple DeFi protocols — DEX swaps and aggregation ac...44.8 ICE Mortgage Technology Developer PortalThe ICE Mortgage Technology Developer Portal is a self-service solution providing developers with resources...42.9 Codat Lending APIThe Lending API from Codat — 0 operation(s) for lending.42.6 Tietoevry Credit CloudA credit platform used by banks and financial institutions in 20+ countries to manage virtually any type of...39.5

Thin 21 Limited public surface area

Flowpay Partner APIFlowpay's REST partner API for the Fully Embedded (Native) lending flow - customer onboarding and service a...38.6 OKX Financial Products APIEndpoints for on-chain earning, staking, simple earn, and lending products available through the OKX platform.38.6 Acorn Finance Partner APIThe Acorn Finance partner REST API. Basic-authenticated JSON endpoints on api.acornfinance.com let point-of...38.5 Thredd Credit APICredit account and credit-program endpoints for managing credit overviews and related credit issuing capabi...37.8 Column Lending APILoan disbursements, payments, sales and reporting.37.3 Capital One Digital Auto Financing Credit Application APIThe Capital One Digital Auto Financing Credit Application API lets approved partners such as dealers and au...33.5 Capital One Pre-Application Orchestrator APIThe Capital One Pre-Application Orchestrator API coordinates the pre-application steps for financial produc...33.5 Tuum Core Banking APITuum's modular, API-first core banking platform. Per-module REST APIs (auth, person, employee, account, pay...32.8 Wisetack Partner APIPartner-gated REST API for embedding Wisetack pay-over-time financing into vertical SaaS and field service ...32.6 Lead Bank Lend APIEmbedded-credit API supporting term loans, revolving lines of credit, in-app financing, and buy-now-pay-lat...32.3 Lead Bank Lending APIThe Lending API from Lead Bank — 3 operation(s) for lending.32.3 Jupiter Lend APILending product API for supplying, borrowing, repaying, withdrawing, and executing flash loans against Jupi...31.3 Morpho Markets APIGraphQL queries for Morpho Blue lending markets — retrieve market parameters (loan asset, collateral asset,...31.2 Prosper Investor APIRESTful API for Prosper investors and third-party agents to view account information, search active loan li...29.8 Credgenics Lending APILoan and payment ingestion and retrieval.29.7 Cross River Lending / Loan Funding APIMarketplace-lending and loan-origination API used by fintech lending partners for consumer and SMB loan ori...29.6 10x Banking Platform APIThe REST API surface of the 10x SuperCore platform, covering parties, subscriptions, arrangements, transact...28.7 Curve Finance Lending APIThe Lending API from Curve Finance — 3 operation(s) for lending.28.1 Curve REST APIPublic read-only REST API used by the Curve UI and third parties. Endpoints cover /getPools/all, /getSubgra...28.1 Vauld Enterprise APIEnterprise API for partner organisations covering fiatcrypto trading on India INR rails (deposits via Cards...28.1 Lendo Platform APIProduction API host backing the Lendo web and mobile applications. Discovered by probe at https://api.lendo...28.0

Emerging 17 Early or largely undocumented

IRS Income Verification Express Service (IVES) APIApplication-to-Application (A2A) API allowing authorized participants such as lenders, banks, credit unions...25.4 nCino Mortgage API (formerly SimpleNexus API)OAuth 2.0 REST API that replaces the legacy SimpleNexus API. The initial release covers Organization and Us...25.3 Lendio Loan Marketplace APIREST API for connecting small businesses with lenders. Supports loan application submission, eligibility ch...24.1 Lendio Loan Performance Tracking APIAPI integration for high-volume lenders that allows bulk submission of loan performance data. Supports up t...24.1 Galileo Loan APIREST API for credit, lending, BNPL, and secured-credit products including draw, repayment, and balance inqu...23.3 Kaaj Underwriting APIKaaj's REST API for submitting borrower application packages and receiving decision-ready credit analysis, ...23.1 FBN FinanceFBN Finance offers agricultural operating lines, equipment and land loans, refinancing, and crop insurance ...19.7 Falcon APIFalcon's RESTful embedded-finance API for card issuance, lending, and program management. All responses are...18.5 Upstart Reporting APIPartner-facing reporting API for Upstart's bank and credit-union lending partners. Not publicly documented ...18.2 Hifi Protocol SubgraphThe Graph subgraph that indexes the Hifi fixed-rate, fixed-term lending protocol — vaults, collateral and d...17.3 Compound Finance GraphQL APIGraphQL API for querying Compound Finance v2 protocol data via The Graph subgraph, including markets, accou...16.2 Parafin APIWhite-labeled embedded finance REST API for offering business financing — creating businesses, persons, and...15.5 Investly APIProduction HAL/HATEOAS (Spring Data REST style) backend API served at api.investly.co. The root returns a h...15.4 Lennar Mortgage Fannie Mae IntegrationLennar Mortgage, LLC is listed as a Fannie Mae technology integration partner using Fannie Mae's lending AP...13.2 Clerkie APIRESTful API marketed to lenders for integrating loan portfolios with Clerkie's recovery platform — payment ...12.8 Credibly Lender APIREST API (V2) enabling approved broker and referral partners to submit loan applications, upload supporting...11.7 UBS key4 Mortgages APIThe UBS key4 mortgages API lets property platforms and brokers embed Swiss mortgage origination, affordabil...11.3

Minimal 2 Almost no public developer surface

Ally Financial Platform (Conceptual Model)A conceptual, API-Evangelist-derived domain model of Ally Financial's consumer platform spanning deposit ac...9.1 Mosaic Financing APIThe Mosaic Financing API is the integration surface Solar Mosaic published for its solar installer, dealer ...0.0

Companies reaching this through an API (24)

These companies publish an API, specification or operation carrying “Lending” but do not classify their business under it. Listed unranked and kept out of the count above, because one tagged operation is not a statement about what a company does.

Score breakdown

Frequency

72.9

log-scaled weighted occurrences

Breadth

10.3

spread across providers

Quality lift

22.3

mean composite of providers using it

Cohesion

17.7

strength of nearest seed neighbor

Where this tag sits

396 providers carry this tag directly, and 397 counting the 2 narrower tags below — 1 more to reach.

Fintech broader Borrowing 12 providers SME Finance 10 providers

Where this tag comes from

Provider tag396

Api tag58

Openapi tag6

Openapi op tag13

Cohort brief

Auto-generated

The 372 providers in the APIs.io catalog tagged Lending, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers

372

all scored

Mean Kin Score

19.1

-3.8 vs catalog 22.9

Mean Agent Readiness

8.5

-3.4 vs catalog 11.9

Spread

0–67.4

median 13.5 · σ 14.7

How the 372 split by band

Exemplar 2Strong 9Developing 37Thin 53Emerging 128Minimal 143

Facet averages, against the whole catalog

Facet	This cohort	Catalog	Difference	Scored
Discoverability	56.9	58.1	-1.2	372
Contract Governance	4.6	6.3	-1.7	372
Access Clarity	23.9	26.5	-2.6	372
Developer Ergonomics	19.9	23.2	-3.3	372
Operational Transparency	10	13.7	-3.7	372
Contract Quality	11.8	17.6	-5.8	372

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes

Artifact	This cohort	Catalog	Difference
MCP server (any)	7%	14%	-7
MCP server (first-party)	5%	12%	-7
Agent Skills	0%	0%	0
OAuth scopes	7%	11%	-4
Security	100%	98%	+2
Arazzo workflows	2%	2%	0
Governance rules	3%	14%	-11

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score

1 Blnk Finance 67.4
2 Method Financial 67.3
3 Unit 64.5
4 Lev 63
5 Heron 61.6
6 Kita 60.8
7 Freddie Mac 60
8 Total Expert 58.1
9 SoFi Technologies 56.4
10 Copper.co 54.8

Work with this as data

Every tag here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for tags

7 MCP tools reach this

find_tagsBrowse and filter every tag in the catalog.
get_cohortThis tag as a scored cohort — every provider carrying it, with scores.
cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
cohort_rankingsPRO — the leaderboard, on composite AND agent-readiness axes.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This tag

curl "https://apis.io/api/v1/tags/lending"

All tags

curl "https://apis.io/api/v1/tags?limit=25"

As a scored cohort

curl "https://apis.io/api/v1/cohorts/tag/lending"

The distribution (Pro)

curl "https://apis.io/api/v1/cohorts/tag/lending/stats" \
  -H "X-API-Key: $APIS_IO_KEY"

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Lending

Providers using this tag (396)

APIs with this tag (57)