Use Case

Lending & Underwriting

Credit decisioning, origination, and servicing.

19 providers 66 APIs 17 declared variants

Originating and servicing credit — application intake, income and identity verification, credit scoring, automated decisioning, and ongoing loan servicing.

19 API providers on the APIs.io network offer lending & underwriting. The highest-rated are Shodan, Tink, Dun & Bradstreet, Alloy, Moody’s.

Providers

Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.

Exemplar 1 Complete, well-documented, and agent-ready
ShodanShodan is the world's first search engine for Internet-connected devices. It continuously crawls the public...5 APIs67.2
Strong 6 Solid coverage with minor gaps
TinkTink, a Visa solution acquired in 2022, is a European Open Banking platform with 6,000+ bank connections ac...9 APIs66.1Dun & BradstreetDun & Bradstreet is a leading global provider of business decisioning data and analytics, anchored by the D...1 API64.0AlloyAlloy is a New York-based identity decisioning platform that helps banks, credit unions, and fintechs onboa...2 APIs58.0Moody'sMoody's provides a comprehensive suite of APIs spanning KYC compliance, economic data and forecasting, cred...5 APIs55.4ACORDACORD is the global standards-setting body for the insurance industry, publishing the data standards that i...6 APIs55.3BackpackBackpack is a Solana-first crypto company founded by Armani Ferrante and Tristan Yver — the same team behin...1 API54.9
Developing 6 Usable, with meaningful gaps to close
Workday Report WriterAPIs for Workday Report Writer - a tool for creating custom reports and data extracts from Workday HCM and ...4 APIs53.0FastDOLFederal workplace enforcement records on 2.3M US employers across 16 federal agencies — OSHA, WHD, MSHA, EP...1 API48.4MarineTrafficMarineTraffic is the leading maritime intelligence and AIS ship-tracking platform — now part of Kpler. The ...9 APIs44.8Temenos TransactCore banking APIs from Temenos Transact, providing comprehensive banking functionality including accounts, ...1 API44.3ARGUS EnterpriseARGUS Enterprise is the industry-standard commercial property valuation and cash flow forecasting software ...2 APIs42.3VeriskVerisk (formerly ISO) is a leading data analytics and technology company serving the insurance, energy, and...1 API40.7
Thin 3 Limited public surface area
BasiqBasiq is an Australian open banking and financial data API platform providing unified access to bank accoun...1 API32.7Bloom CreditBloom Credit is a fintech infrastructure company providing API access to consumer credit data from all thre...5 APIs32.0AtomicAtomic is the connected-banking infrastructure for income, payroll, and merchant data. Their user-permissio...7 APIs26.5
Emerging 1 Early or largely undocumented
WynsureWynsure is an end-to-end insurance policy administration platform from Mphasis Wyde that delivers Quote-to-...6 APIs22.8
Minimal 2 Almost no public developer surface
Renewable Energy GroupRenewable Energy Group (REG) is a North American producer of biodiesel and renewable diesel, founded with b...2.1BharatPeBharatPe is a New Delhi-based fintech company founded in 2018 by Ashneer Grover and Shashvat Nakrani that p...1.9

What Providers Actually Declared

This use case is a canonical term. These are the free-text strings providers wrote in their own apis.yml that map onto it.

Acquisition UnderwritingAffordability and UnderwritingCommercial LendingCredit DecisioningCredit UnderwritingExternal Data Blending in PrismHeating Oil BlendingInsurance UnderwritingLending Income & Employment VerificationLending and Credit AssessmentLending and borrowing automationLoan OriginationLoan UnderwritingMarine insurance underwritingSmart Group UnderwritingUnderwriting AutomationWorking-Capital Lending For SMBs

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