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...75.6 Blnk Cloud APIManaged Cloud REST surface covering OAuth auth, a Proxy API to a Core instance, Data API, Filters API, Aler...71.3 Blnk Watch APIRule-based transaction monitoring API (transaction evaluation, instruction management, Git-backed rule sync...71.3

Strong 8 Solid coverage with minor gaps

Mastercard Consumer Credit AnalyticsLenders are increasingly turning to alternative data sources to gain a clearer picture of a consumer's true...57.3 Mastercard Small Business Credit AnalyticsSmall Business Credit Analytics provides underwriters with access to near real-time transaction-based insig...57.3 Bond Credit APIThe Credit API from Bond — 4 operation(s) for credit.56.6 Blockdaemon DeFi APISingle REST interface (formerly Expand Network) into multiple DeFi protocols — DEX swaps and aggregation ac...56.5 Toqio Lending APIThe Lending API from Toqio — 1 operation(s) for lending.56.4 Citizens Pay APICitizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pa...55.6 Copper.co Lending APIThe lending API from Copper.co — 34 operation(s) for lending.55.5 Temenos Lending APICommercial lending operations including loan origination, facility management, and repayment processing.54.3

Developing 9 Usable, with meaningful gaps to close

Amberdata Lending APIThe Lending API from Amberdata — 10 operation(s) for lending.49.2 Finicity Verification of Assets (VoA) APIGenerates a consumer-permissioned Verification of Assets report from aggregated account and balance data fo...47.3 Falcon APIFalcon's RESTful embedded-finance API for card issuance, lending, and program management. All responses are...45.3 Tietoevry Credit CloudA credit platform used by banks and financial institutions in 20+ countries to manage virtually any type of...45.2 ICE Mortgage Technology Developer PortalThe ICE Mortgage Technology Developer Portal is a self-service solution providing developers with resources...44.4 Direct Web API — MLOThe Direct Web API MLO reference exposes Member Loan Officer / lender-side data from the Matrix MLS platfor...42.9 Codat Lending APIThe Lending API from Codat — 0 operation(s) for lending.41.8 Thredd Credit APICredit account and credit-program endpoints for managing credit overviews and related credit issuing capabi...40.1 Flowpay Partner APIFlowpay's REST partner API for the Fully Embedded (Native) lending flow - customer onboarding and service a...39.6

Thin 19 Limited public surface area

Acorn Finance Partner APIThe Acorn Finance partner REST API. Basic-authenticated JSON endpoints on api.acornfinance.com let point-of...36.7 Column Lending APILoan disbursements, payments, sales and reporting.35.7 Wisetack Partner APIPartner-gated REST API for embedding Wisetack pay-over-time financing into vertical SaaS and field service ...34.9 Capital One Digital Auto Financing Credit Application APIThe Capital One Digital Auto Financing Credit Application API lets approved partners such as dealers and au...34.0 Capital One Pre-Application Orchestrator APIThe Capital One Pre-Application Orchestrator API coordinates the pre-application steps for financial produc...34.0 Credgenics Lending APILoan and payment ingestion and retrieval.33.0 Tuum Core Banking APITuum's modular, API-first core banking platform. Per-module REST APIs (auth, person, employee, account, pay...32.3 Prosper Investor APIRESTful API for Prosper investors and third-party agents to view account information, search active loan li...30.6 nCino Mortgage API (formerly SimpleNexus API)OAuth 2.0 REST API that replaces the legacy SimpleNexus API. The initial release covers Organization and Us...30.5 Curve Finance Lending APIThe Lending API from Curve Finance — 3 operation(s) for lending.29.1 Curve REST APIPublic read-only REST API used by the Curve UI and third parties. Endpoints cover /getPools/all, /getSubgra...29.1 OKX Financial Products APIEndpoints for on-chain earning, staking, simple earn, and lending products available through the OKX platform.28.2 Lead Bank Lend APIEmbedded-credit API supporting term loans, revolving lines of credit, in-app financing, and buy-now-pay-lat...28.1 Lead Bank Lending APIThe Lending API from Lead Bank — 3 operation(s) for lending.28.1 Vauld Enterprise APIEnterprise API for partner organisations covering fiatcrypto trading on India INR rails (deposits via Cards...28.0 Lendo Platform APIProduction API host backing the Lendo web and mobile applications. Discovered by probe at https://api.lendo...27.9 10x Banking Platform APIThe REST API surface of the 10x SuperCore platform, covering parties, subscriptions, arrangements, transact...27.8 Kaaj Underwriting APIKaaj's REST API for submitting borrower application packages and receiving decision-ready credit analysis, ...27.7 Jupiter Lend APILending product API for supplying, borrowing, repaying, withdrawing, and executing flash loans against Jupi...26.4

Emerging 14 Early or largely undocumented

Morpho Markets APIGraphQL queries for Morpho Blue lending markets — retrieve market parameters (loan asset, collateral asset,...23.7 Cross River Lending / Loan Funding APIMarketplace-lending and loan-origination API used by fintech lending partners for consumer and SMB loan ori...22.4 Galileo Loan APIREST API for credit, lending, BNPL, and secured-credit products including draw, repayment, and balance inqu...22.3 Upstart Reporting APIPartner-facing reporting API for Upstart's bank and credit-union lending partners. Not publicly documented ...18.3 Compound Finance GraphQL APIGraphQL API for querying Compound Finance v2 protocol data via The Graph subgraph, including markets, accou...17.5 IRS Income Verification Express Service (IVES) APIApplication-to-Application (A2A) API allowing authorized participants such as lenders, banks, credit unions...17.5 Hifi Protocol SubgraphThe Graph subgraph that indexes the Hifi fixed-rate, fixed-term lending protocol — vaults, collateral and d...17.3 Investly APIProduction HAL/HATEOAS (Spring Data REST style) backend API served at api.investly.co. The root returns a h...15.6 Parafin APIWhite-labeled embedded finance REST API for offering business financing — creating businesses, persons, and...15.4 FBN FinanceFBN Finance offers agricultural operating lines, equipment and land loans, refinancing, and crop insurance ...14.7 Lendio Loan Marketplace APIREST API for connecting small businesses with lenders. Supports loan application submission, eligibility ch...14.7 Lendio Loan Performance Tracking APIAPI integration for high-volume lenders that allows bulk submission of loan performance data. Supports up t...14.7 Clerkie APIRESTful API marketed to lenders for integrating loan portfolios with Clerkie's recovery platform — payment ...13.8 Lennar Mortgage Fannie Mae IntegrationLennar Mortgage, LLC is listed as a Fannie Mae technology integration partner using Fannie Mae's lending AP...11.0

Minimal 4 Almost no public developer surface

UBS key4 Mortgages APIThe UBS key4 mortgages API lets property platforms and brokers embed Swiss mortgage origination, affordabil...10.9 Ally Financial Platform (Conceptual Model)A conceptual, API-Evangelist-derived domain model of Ally Financial's consumer platform spanning deposit ac...9.6 Credibly Lender APIREST API (V2) enabling approved broker and referral partners to submit loan applications, upload supporting...9.0 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 (23)

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

68.1

log-scaled weighted occurrences

Breadth

5.3

spread across providers

Quality lift

18.9

mean composite of providers using it

Cohesion

15.5

strength of nearest seed neighbor

Where this tag sits

415 providers carry this tag directly, and 416 counting the 2 narrower tags below — 1 more to reach.

Fintech broader Borrowing 13 providers SME Finance 10 providers

Where this tag comes from

Provider tag415

Api tag57

Openapi tag6

Openapi op tag13

Markets provisional

Kin Score markets whose measured providers carry this tag. Share is the fraction of the market's measured providers that carry it — it describes the market, not this tag.

Market	Share of the market's providers
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	52%
Consumer Lending Licensing (UK, US, Canada credit licence registers)	50%
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	43%
Korea MyData (licensed MyData operators, authentication bodies and information providers)	25%

Cohort brief

Auto-generated

The 382 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

382

of 415 in the catalog

Mean Kin Score

19.7

-4.4 vs catalog 24.1

Mean Agent Readiness

8.8

-5.3 vs catalog 14.1

Spread

0–73.6

median 13.9 · σ 15.9

How the 382 split by band

Exemplar 5Strong 12Developing 41Thin 45Emerging 145Minimal 134

Facet averages, against the whole catalog

Facet	This cohort	Catalog	Difference	Scored
Discoverability	57.2	59.1	-1.9	382
Access Clarity	27.3	30	-2.7	382
Contract Governance	6.8	9.7	-2.9	382
Operational Transparency	10	13.2	-3.2	382
Developer Ergonomics	20.9	24.5	-3.6	382
Contract Quality	12.2	18.6	-6.4	382

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)	8%	18%	-10
MCP server (first-party)	7%	16%	-9
Agent Skills	0%	0%	0
OAuth scopes	7%	13%	-6
Security	100%	99%	+1
Arazzo workflows	2%	1%	+1
Governance rules	19%	36%	-17

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 Basiq 73.6
2 Blnk Finance 71.3
3 Unit 70
4 Method Financial 68.5
5 Lev 66.6
6 Heron 66.2
7 SoFi Technologies 62.8
8 Kita 62.4
9 Ocrolus 62.3
10 Total Expert 62.2

Work with this as data

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

MCP server

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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.

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Lending

Providers using this tag (415)

APIs with this tag (57)