aid: live-oak-bank
url: https://raw.githubusercontent.com/api-evangelist/live-oak-bank/refs/heads/main/apis.yml
name: Live Oak Bank
kind: company
description: >-
  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.
accessModel:
  pricing: partner
  onboarding: contact-sales
  trial: false
  try_now: false
  public: false
  label: Partner-gated · Embedded banking / BaaS (no public developer portal)
  confidence: high
  source:
  - website
  - api-gateway-probe
  generated: '2026-07-23'
  method: manual
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- United States
- Small Business Lending
- SBA
- Embedded Banking
- Banking-as-a-Service
- Digital Bank
- Open Finance
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis: []
common:
- type: DomainSecurity
  url: security/live-oak-bank-domain-security.yml
- type: Website
  url: https://www.liveoak.bank/
- type: Blog
  url: https://resources.liveoak.bank/blog
- type: Support
  url: https://support.liveoak.bank/
- type: PrivacyPolicy
  url: https://www.liveoak.bank/online-privacy-notice/
- type: LinkedIn
  url: https://www.linkedin.com/company/live-oak-bank
- type: GitHubOrganization
  url: https://github.com/liveoakbank
- type: SignUp
  url: https://www.liveoak.bank/get-started/
- type: LLMsTxt
  url: llms/live-oak-bank-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com