Use Case

Lending & Underwriting

Credit decisioning, origination, and servicing.

20 providers 207 APIs 18 declared variants

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

20 API providers on the APIs.io network offer lending & underwriting. The highest-rated are Shodan, Tink, Moody’s, FastDOL, ARGUS Enterprise.

Providers

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

Exemplar 1 Complete, well-documented, and agent-ready
Shodan Shodan is the world's first search engine for Internet-connected devices. It continuously crawls the public... 15 APIs 73.3
Strong 8 Solid coverage with minor gaps
Tink Tink, a Visa solution acquired in 2022, is a European Open Banking platform with 6,000+ bank connections ac... 25 APIs 64.8 Moody's Moody's provides a comprehensive suite of APIs spanning KYC compliance, economic data and forecasting, cred... 14 APIs 63.7 FastDOL Federal workplace enforcement records on 2.3M US employers across 16 federal agencies — OSHA, WHD, MSHA, EP... 11 APIs 61.5 ARGUS Enterprise ARGUS Enterprise is the industry-standard commercial property valuation and cash flow forecasting software ... 12 APIs 60.4 Dun & Bradstreet Dun & Bradstreet is a leading global provider of business decisioning data and analytics, anchored by the D... 15 APIs 60.3 Workday Report Writer APIs for Workday Report Writer - a tool for creating custom reports and data extracts from Workday HCM and ... 9 APIs 59.5 Backpack Backpack is a Solana-first crypto company founded by Armani Ferrante and Tristan Yver — the same team behin... 15 APIs 59.3 Alloy Alloy is a New York-based identity decisioning platform that helps banks, credit unions, and fintechs onboa... 17 APIs 56.9
Developing 7 Usable, with meaningful gaps to close
Verisk Verisk (formerly ISO) is a leading data analytics and technology company serving the insurance, energy, and... 5 APIs 55.6 Temenos Transact Core banking APIs from Temenos Transact, providing comprehensive banking functionality including accounts, ... 13 APIs 53.4 ACORD ACORD is a global standards-setting body for the insurance industry, providing data standards, reference ar... 6 APIs 51.1 Basiq Basiq is an Australian open banking and financial data API platform providing unified access to bank accoun... 6 APIs 50.8 Bloom Credit Bloom Credit is a fintech infrastructure company providing API access to consumer credit data from all thre... 5 APIs 47.7 MarineTraffic MarineTraffic is the leading maritime intelligence and AIS ship-tracking platform — now part of Kpler. The ... 14 APIs 46.3 Pinwheel Pinwheel is an employment and income data platform that connects banks, fintechs, and lenders directly to p... 12 APIs 43.4
Thin 2 Limited public surface area
Wynsure Wynsure is an end-to-end insurance policy administration platform from Mphasis Wyde that delivers Quote-to-... 6 APIs 28.9 Atomic Atomic is the connected-banking infrastructure for income, payroll, and merchant data. Their user-permissio... 7 APIs 28.8
Minimal 2 Almost no public developer surface
BharatPe BharatPe is a New Delhi-based fintech company founded in 2018 by Ashneer Grover and Shashvat Nakrani that p... 12.1 Renewable Energy Group Renewable Energy Group (REG) is a North American producer of biodiesel and renewable diesel, founded with b... 4.3

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 underwritingMortgage & Auto LendingSmart Group UnderwritingUnderwriting AutomationWorking-Capital Lending For SMBs

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