{"openapi":"3.1.0","info":{"title":"Origen Capital directory API","version":"1.1.0","description":"Free lookup of US community lenders (CDFIs, low-income credit unions, SBA microlenders, ITIN-friendly national nonprofits) by lane + county + state, in English or Spanish. Reference data from public federal sources, each record dated — not a lender, nobody paid to be listed, no borrower data collected. Free, no key. The same answers are served to agents over MCP at https://origencapital.co/api/mcp.","contact":{"url":"https://origencapital.co/developers"}},"servers":[{"url":"https://origencapital.co"}],"paths":{"/api/v1/lookup":{"get":{"operationId":"lookup","summary":"Community lenders for a US county, by lane","parameters":[{"name":"lane","in":"query","required":true,"schema":{"type":"string","description":"business, home or personal (plain words and Spanish also resolve)"}},{"name":"county","in":"query","required":true,"schema":{"type":"string","description":"County name; a city name resolves to its county"}},{"name":"state","in":"query","required":true,"schema":{"type":"string","description":"State name or two-letter code"}},{"name":"itin","in":"query","schema":{"type":"boolean","description":"Borrower has an ITIN and no SSN"}},{"name":"types","in":"query","schema":{"type":"string","description":"Comma-separated kinds to keep: credit_union, cdfi, sba_microlender, national_nonprofit, minority_depository"}},{"name":"language","in":"query","schema":{"type":"string","description":"en or es","enum":["en","es"]}}],"responses":{"200":{"description":"The county's institutions, split by head office vs branch; an empty county answers with no_local_door=true and the state tier","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Lookup"}}}},"400":{"description":"Lane, state, county or type not recognized","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}}}},"/api/v1/institution":{"get":{"operationId":"institution","summary":"One institution by name or id","parameters":[{"name":"name","in":"query","schema":{"type":"string","description":"Name or part of it"}},{"name":"state","in":"query","schema":{"type":"string","description":"State name or code (optional)"}},{"name":"id","in":"query","schema":{"type":"string","description":"An id returned by lookup"}},{"name":"language","in":"query","schema":{"type":"string","description":"en or es","enum":["en","es"]}}],"responses":{"200":{"description":"Matching institutions with counties served and provenance","content":{"application/json":{"schema":{"type":"object"}}}},"404":{"description":"Not in the directory (most banks are not, by design)","content":{"application/json":{"schema":{"type":"object"}}}}}}},"/api/v1/coverage":{"get":{"operationId":"coverage","summary":"What the directory covers, nationally or for one state","parameters":[{"name":"state","in":"query","schema":{"type":"string","description":"State name or code (optional)"}}],"responses":{"200":{"description":"Totals, per-lane counts, sources with vintages and refresh cycles","content":{"application/json":{"schema":{"type":"object"}}}}}}}},"components":{"schemas":{"Source":{"type":"object","properties":{"id":{"type":"string","description":"ncua, cdfi, sba or national"},"name":{"type":"string"},"as_of":{"type":"string","description":"Vintage of the list"},"verified_from":{"type":"string","description":"Where the list is published"},"refresh":{"type":"string"}}},"Institution":{"type":"object","properties":{"id":{"type":"string"},"name":{"type":"string"},"kind":{"type":"string","description":"credit_union, cdfi, sba_microlender or national_nonprofit"},"city":{"type":"string"},"state":{"type":"string"},"hq_county":{"type":["string","null"],"description":"state/county of the head office; null when the source does not place it"},"lanes":{"type":"array","items":{"type":"string"}},"cdfi_certified":{"type":"boolean"},"sba_microlender":{"type":"boolean"},"minority_depository":{"type":"boolean"},"itin_verified":{"type":"boolean","description":"Only the national tier is individually verified; false means unknown, not no"},"note":{"type":["string","null"]},"sources":{"type":"array","items":{"type":"object","properties":{"id":{"type":"string"},"as_of":{"type":"string"}}}}}},"Lookup":{"type":"object","properties":{"lane":{"type":"string"},"state":{"type":"object"},"county":{"type":"object"},"page_url":{"type":"string"},"no_local_door":{"type":"boolean"},"based_in_county":{"type":"array","items":{"$ref":"#/components/schemas/Institution"}},"branch_in_county":{"type":"array","items":{"$ref":"#/components/schemas/Institution"}},"served_from_state":{"type":"array","items":{"$ref":"#/components/schemas/Institution"}},"national":{"type":"array","items":{"$ref":"#/components/schemas/Institution"}},"itin_note":{"type":["string","null"]},"sources":{"type":"array","items":{"$ref":"#/components/schemas/Source"}},"disclaimer":{"type":"string"}}},"Error":{"type":"object","properties":{"error":{"type":"object","properties":{"code":{"type":"string"},"message":{"type":"string"},"hint":{"type":"string"}}},"disclaimer":{"type":"string"}}}}}}