Live Oak Bank
Live Oak Bank (Live Oak Banking Company) is a digital, branchless, North Carolina state-chartered commercial bank founded in 2008 and headquartered in Wilmington, NC, operating as the primary subsidiary of Live Oak Bancshares, Inc. (NYSE: LOB). It is the largest originator of U.S. Small Business Administration (SBA) 7(a) loans in the country and serves small businesses in all 50 states with SBA and commercial lending, high-yield business and personal savings, CDs, and business checking with treasury services. Technology-forward for a bank of its size, Live Oak runs a cloud-native Finxact core (now Fiserv) with an Apiture-based digital banking platform, and in 2024 launched an in-house embedded-banking / Banking-as-a-Service (BaaS) program that lets software companies deliver Live Oak deposit and payment products to their own customers. Its API surface is real but partner-gated: a production AWS API gateway operates at api.liveoak.bank (returning MissingAuthenticationToken to unauthenticated callers, with Live-Oak-specific lob-identity-id / lob-foreign-entity-id headers), but Live Oak publishes no public self-serve developer portal, no downloadable OpenAPI/Swagger, and no public API reference. Consumer-permissioned data access is available through account aggregators rather than a first-party public API, and no FDX participation or CFPB Section 1033 data-access posture is publicly documented.
Index entry only — little beyond a description and a link, and nothing machine-readable enough for an agent to act on without a human reading the site first.
API Evangelist profiles Live Oak Bank the way a machine reads it — 1 machine-readable artifact, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Live Oak Bank scores 14.7/100 (minimal), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Live Oak Bank
Each block below is one kind of artifact we hold for Live Oak Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Security Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Live Oak Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 1
Portal, sign-up, and the first successful call
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 1
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 1
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/live-oak-bank · machine-readable index on apis.io