Issue 01 · Vol. I · Apr 2026Bilingual · EN / ES
ORIGEN

Developers

The directory behind every county page is open to agents and builders. Ask it who lends in a county — by lane, in English or Spanish — and get back the same institutions the page shows, each one dated to the federal list it came from. Free, no key, no sign-up.

MCP server

Streamable HTTP, stateless, no authentication: https://origencapital.co/api/mcp

Claude Code:

claude mcp add --transport http origen-capital https://origencapital.co/api/mcp

Cursor, or any client that takes an MCP JSON config:

{
  "mcpServers": {
    "origen-capital": { "url": "https://origencapital.co/api/mcp" }
  }
}

Tools:

  • origen_financing_lookup — Look up community lenders for a US county.
  • origen_institution — Look up one institution.
  • origen_financing_coverage — What the directory covers.

Each tool returns readable text and the same answer as structured JSON. The server card is at /.well-known/mcp.json.

JSON API

The same answers over plain GET, open CORS. Spec: /openapi.json.

curl "https://origencapital.co/api/v1/lookup?lane=business&county=Houston&state=TX"
curl "https://origencapital.co/api/v1/lookup?lane=home&county=Fulton&state=GA&itin=true&language=es"
curl "https://origencapital.co/api/v1/institution?name=Mission%20Asset%20Fund"
curl "https://origencapital.co/api/v1/coverage?state=NM"

types narrows a lookup to credit_union, cdfi, sba_microlender, national_nonprofit, minority_depository. A city name resolves to the county that contains it.

What an answer tells you

  • Based here vs. a branch here. Institutions headquartered inside the county line are listed apart from those based elsewhere with a walk-in branch in the county.
  • Honest empties. When no institution keeps a door inside a county, no_local_door is true and the answer lists who serves it from the rest of the state. That is an answer, not an error.
  • Provenance on every record. Each institution names the list it came from and that list's vintage; each response carries the full source list below.
  • The disclaimer travels with the data. Every response includes it: Reference data, not financial advice. Origen Capital is not a lender or broker; no institution pays to be listed; no borrower information is asked or taken. Confirm products and terms directly with the institution.

Sources and refresh

  • NCUA call report 2026-06 (LID + MDI credit unions, branch counties, FS220/FS220H lending) — latest final quarter published — as of 2026-06; refreshed quarterly, as NCUA publishes each call-report quarter. Published here
  • CDFI Fund — List of Certified CDFIs, Aug 14 2026 — as of 2026-08; refreshed whenever the CDFI Fund republishes its certified list. Published here
  • SBA microloan intermediary list (sba.gov, page dated Sep 4 2026) — as of 2026-09; refreshed whenever SBA updates its microlender list. Published here
  • Hand-curated ITIN-friendly national tier, individually verified 2026-07-12 — as of 2026-07-12; refreshed by hand, one institution at a time. A short list of national nonprofit lenders, each checked by hand for whether it works with an ITIN. It is the only part of the directory that makes an ITIN claim; federal data neither confirms nor denies it for anyone else.

Nobody pays to be listed. No borrower information is asked for or taken by any of this.

Use and limits

Free for any use that keeps the source line and the disclaimer with the data. We log the query — lane, place, filters — to learn which counties people ask about; nothing about the person asking. If you need the whole table on a schedule rather than one county at a time, get in touch.