LenderWiki MCP Server

A Model Context Protocol (MCP) server that gives AI assistants access to LenderWiki's database of 13,000+ US consumer lenders. Search, compare, and analyze personal loan providers with real data on rates, fees, eligibility, customer reviews, and regulatory history.

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What It Does

This server exposes four tools that any MCP-compatible AI client (Claude Desktop, Cursor, Windsurf, etc.) can use to query LenderWiki's live database:

| Tool | Description |
|------|-------------|
| find_lenders | Search lenders by state, type, credit score, ITIN acceptance, cosigner, loan amount, product type, APR, and credit check type |
| get_lender_profile | Get a comprehensive lender profile — products, rates, eligibility, reviews, regulatory status |
| compare_lenders | Side-by-side comparison table for 2–5 lenders |
| check_eligibility | Preliminary eligibility check based on a user's financial profile |

Example Prompts

Once connected, you can ask your AI assistant things like:

- "Find lenders in California that accept ITIN"
- "Show me Upstart's full profile — rates, fees, who can apply"
- "Compare SoFi vs LendingClub vs Avant side by side"
- "I have a 620 credit score, $45k income, and I'm in Texas. Check if I'm eligible for Oportun"
- "What lenders accept applicants with no credit history?"
- "Find online lenders with loan amounts between $5,000 and $20,000"
- "Which lenders allow cosigners and don't do a hard credit pull?"

Quick Start

1. Get a Free API Key

Sign up at lenderwiki.com for a free API key (1,000 requests/day).

2. Install

npm install lenderwiki-mcp-server

Or clone and build from source:

git clone https://github.com/lenderwiki/mcp-server.git
cd lenderwiki-mcp-server
npm install
npm run build

3. Configure Your MCP Client

Claude Desktop

Add this to your Claude Desktop config (~/Library/Application Support/Claude/claude_desktop_config.json on macOS, %APPDATA%\Claude\claude_desktop_config.json on Windows):

{
  "mcpServers": {
    "lenderwiki": {
      "command": "node",
      "args": ["/path/to/lenderwiki-mcp-server/dist/index.mjs"],
      "env": {
        "LENDERWIKI_API_KEY": "your-api-key-here"
      }
    }
  }
}

Cursor

Add to your Cursor MCP settings (.cursor/mcp.json):

{
  "mcpServers": {
    "lenderwiki": {
      "command": "node",
      "args": ["/path/to/lenderwiki-mcp-server/dist/index.mjs"],
      "env": {
        "LENDERWIKI_API_KEY": "your-api-key-here"
      }
    }
  }
}

Windsurf

Add to your Windsurf MCP config (~/.codeium/windsurf/mcp_config.json):

{
  "mcpServers": {
    "lenderwiki": {
      "command": "node",
      "args": ["/path/to/lenderwiki-mcp-server/dist/index.mjs"],
      "env": {
        "LENDERWIKI_API_KEY": "your-api-key-here"
      }
    }
  }
}

npx (No Installation)

If published to npm, you can use it directly:

{
  "mcpServers": {
    "lenderwiki": {
      "command": "npx",
      "args": ["lenderwiki-mcp-server"],
      "env": {
        "LENDERWIKI_API_KEY": "your-api-key-here"
      }
    }
  }
}

## Hosted HTTP Endpoint (Smithery / Remote MCP)

LenderWiki also hosts the MCP server over HTTP so you can connect without running anything locally.

### Streamable HTTP (Recommended)

Endpoint: https://lenderwiki.com/api/mcp

This implements the MCP Streamable HTTP transport. Use this for Smithery, remote MCP clients, and any tool that supports HTTP-based MCP.

  POST https://lenderwiki.com/api/mcp
  Content-Type: application/json
  Accept: application/json, text/event-stream
  

### Legacy SSE

For clients that only support the older SSE transport:

- SSE endpoint: GET https://lenderwiki.com/api/sse
- Message endpoint: POST https://lenderwiki.com/api/messages?sessionId=<id>

### Smithery Configuration

When submitting to Smithery, use:

- Transport: Streamable HTTP
- URL: https://lenderwiki.com/api/mcp
- Authentication: None required (rate-limited by IP)

Tools Reference

find_lenders

Search the lender database with optional filters.

Parameters:

| Parameter | Type | Description |
|-----------|------|-------------|
| state | string | Two-letter US state code (e.g. "CA") — filters to lenders available in that state |
| lender_type | enum | online, bank, credit_union, cdfi, nonprofit, tribal, fintech, consumer_finance, traditional |
| accepts_itin | boolean | Filter for ITIN-accepting lenders |
| cosigner | boolean | Filter for lenders that accept cosigners |
| max_apr | number | Maximum APR to filter by |
| min_amount | number | Minimum loan amount the borrower needs — filters to lenders that offer at least this amount |
| max_amount | number | Maximum loan amount — filters to lenders with a minimum at or below this |
| credit_score | number | Filter to lenders accepting this score |
| product_type | string | Product type (e.g. "personal_loan", "credit_builder", "line_of_credit", "debt_consolidation") |
| credit_check | enum | none, soft, hard — "none" returns lenders with no hard pull |
| limit | number | Max results, 1–50 (default 10) |

Example tool call:

{
  "name": "find_lenders",
  "arguments": {
    "state": "CA",
    "accepts_itin": true,
    "min_amount": 5000,
    "limit": 5
  }
}

Response format: Markdown text listing each matching lender with display name, type, headquarters state, data confidence, editorial verdict, BBB and Google ratings, CFPB complaint count, ITIN acceptance, customer praise/warnings, website URL, and LenderWiki profile link.

get_lender_profile

Retrieve a complete lender profile.

Parameters:

| Parameter | Type | Description |
|-----------|------|-------------|
| slug | string | Lender identifier (e.g. "upstart", "sofi") |

Example tool call:

{
  "name": "get_lender_profile",
  "arguments": {
    "slug": "upstart"
  }
}

Response format: Markdown document with sections: About, Key Facts (legal name, type, NMLS ID, headquarters, website, data confidence), What It Costs (per-product APR ranges, origination fees, terms, funding speed, estimated monthly payment), Who Can Apply (credit score, income, employment, ITIN/SSN, bankruptcy restrictions, prequalification), What Customers Say (Google/BBB ratings, praise, warnings, editorial verdict), Customer Complaints (CFPB data), and Regulatory Status.

compare_lenders

Generate a side-by-side comparison.

Parameters:

| Parameter | Type | Description |
|-----------|------|-------------|
| slugs | string[] | 2–5 lender slugs to compare |

Example tool call:

{
  "name": "compare_lenders",
  "arguments": {
    "slugs": ["upstart", "lending-club", "sofi"]
  }
}

Response format: Markdown with a comparison table per lender showing: type, headquarters, APR range, loan amount range, max term, origination fee, funding speed, min credit score, credit check type, ITIN acceptance, no-credit acceptance, prequalification, BBB rating, Google rating, CFPB complaints, warnings, and data confidence.

check_eligibility

Assess likely eligibility for a specific lender.

Parameters:

| Parameter | Type | Description |
|-----------|------|-------------|
| slug | string | Lender slug |
| credit_score | number | Applicant's score (300–850) |
| annual_income | number | Gross annual income in USD |
| state | string | Two-letter state code |
| employment_type | enum | W2, self_employed, 1099, gig, unemployed, retired, student |
| has_itin | boolean | Uses ITIN instead of SSN |
| loan_amount | number | Desired amount in USD |
| has_bank_account | boolean | Has a bank account |
| has_bankruptcy | boolean | Has bankruptcy on record |

Example tool call:

{
  "name": "check_eligibility",
  "arguments": {
    "slug": "oportun",
    "credit_score": 620,
    "annual_income": 45000,
    "state": "TX",
    "employment_type": "W2",
    "loan_amount": 5000
  }
}

Response format: Markdown with an overall assessment (✅ Likely Match / 🟡 Possible Match / ❌ Unlikely Match / ❓ Insufficient Data), followed by sections for match reasons, things to verify, potential issues, and a product snapshot with estimated monthly payment.

Environment Variables

| Variable | Required | Default | Description |
|----------|----------|---------|-------------|
| LENDERWIKI_API_KEY | Recommended | — | Your free LenderWiki API key |
| LENDERWIKI_API_URL | No | https://lenderwiki.com/api/v1 | API base URL (for self-hosting or development) |

Data Coverage

LenderWiki tracks 13,000+ US consumer lenders across these categories:

- Online lenders & fintechs (Upstart, SoFi, LendingClub, etc.)
- Banks & credit unions
- CDFIs (Community Development Financial Institutions)
- Nonprofit lenders
- Tribal lenders

Each lender profile may include:

- Products — APR ranges, loan amounts, terms, origination fees, funding speed
- Eligibility — Credit score minimums, income requirements, employment types, ITIN/SSN, bankruptcy restrictions
- Customer Feedback — Google ratings, BBB ratings, common praises and warnings
- Regulatory — CFPB complaint counts/trends, active warnings, enforcement actions
- Editorial — LenderWiki's editorial verdict and data confidence score

Data is sourced from lender websites, NerdWallet, Bankrate, CFPB, BBB, and regulatory databases. Each record includes a data_confidence score (0–100%) and last_verified_at timestamp.

Development

git clone https://github.com/lenderwiki/mcp-server.git
cd lenderwiki-mcp-server
npm install
npm run build

Test locally:

LENDERWIKI_API_KEY=your-key node dist/index.mjs

The server communicates over stdio (stdin/stdout) using the MCP protocol. It does not start an HTTP server.

Disclaimer

LenderWiki data is for informational purposes only and does not constitute financial advice. Always verify eligibility requirements directly with the lender before applying. Data accuracy varies by lender — check the data_confidence score on each profile.

License

MIT

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Built by LenderWiki — the comprehensive database of US consumer lenders.