Origination is Lender-Reserved.
The types are not.

Every capability from application to lien perfection, published as a versioned type you can build against today.

Name your quarter Call a route
POST/v1/math/amortizationkeyless
Requestapplication/json
{ "principal": "250000.00", "annual_rate": 0.0725, "term_months": 360, "max_rows": 3}
curl
curl -X POST https://apis.loans/v1/math/amortization \
  -H "content-type: application/json" \
  -d '{"principal":"250000.00","annual_rate":0.0725,"term_months":360,"max_rows":3}'
Response200 · example response

            

          

        

      

    

  






  

    

      
Seven routes answer today

      
Arithmetic and lookups: keyless, free, never an offer or a decision.

    

    

      

        Fig 0.1
        

        
A level schedule
Interest shrinks as principal grows, payment by payment.

      

      

        Fig 0.2
        

        
Interest by the day
Per-diem on the day count you name: 365, 360 or 30/360.

      

      

        Fig 0.3
        

        
Business days, computed
Counts forward past weekends and federal holidays.

      

    

    
    
      
  • GET/v1/registerEvery route, with its gate and what it answers
    • 
      
  • GET/v1/lifecycleThe six verbs and five terminal outcomes
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  • POST/v1/refusals/explainThe refusal a route carries, and why
    • 
      
  • POST/v1/math/amortizationA level schedule, interest and principal by period
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  • POST/v1/math/per-diemDaily interest on the day count you name
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  • POST/v1/math/payoff-projectionBalance projected to a date; not a payoff quote
    • 
      
  • POST/v1/calendars/business-daysBusiness days, federal holidays computed
    • 
    

  






  

    

      
Six verbs, one loan

      
From application to lien perfection, each stage with its artifact and the rule that fixes it.

    

    

      

        
        
        
        
        
        
      

      

        

          

            
Application
Reg B’s own trigger, 12 CFR 1002.2(f). The moment it exists, clocks start and duties attach.

            
Routes3
  • POST/v1/applicationsApplication intake
  • GET/v1/applications/{id}Application state and stage
  • GET/v1/applications/{id}/clocksTimer ladder, every rung with a named party

          

          
          
          
          
          
        

      

    

    
Five terminal outcomes: funded, offered-not-accepted, declined, withdrawn, closed-incomplete.

  






  

    

      
Four acts never open

      
A call that reaches one gets a typed BLOCKED, naming the statute, the party and the cure.

    

    

      

        

          

            
Reserved to the Lender4 acts

            
    
              
  1. Extend creditEXTEND_CREDIT
    The Lender extends it.
    2. 
              
  2. Take the ApplicationTAKE_APPLICATION
    The Lender takes it; the platform types the state and runs the clocks.
    3. 
              
  3. Negotiate termsno route
    The Lender negotiates them; nothing here quotes a rate or offers a term.
    4. 
              
  4. DecideDECIDE
    The Lender decides; no response here states an approval.
    5. 
            

            
Everything else is typed here.

          

        

      

      

        

          

            
POST/v1/applicationstrimmed422 · BLOCKED



          

        

      

    

  






  

    

      
One key, every door

      
apis.loans stands at its own address, on the family’s one key.

    

    
  






  
  

    
Name your quarter

    
Tell us what you would originate; the quarter you name sets what we build first.