Lenderwiki US Consumer Lender Database

What is Lenderwiki US Consumer Lender Database?

Lenderwiki US Consumer Lender Database is a Model Context Protocol (MCP) server that gives AI assistants access to LenderWiki’s database of over 13,000 US consumer lenders. It provides real data on rates, fees, eligibility, customer reviews, and regulatory history for personal loan providers. It is designed for developers and users of MCP-compatible clients such as Claude Desktop, Cursor, and Windsurf.

How to use Lenderwiki US Consumer Lender Database?

Install the package via npm (npm install lenderwiki-mcp-server) or clone and build from source. Obtain a free API key from lenderwiki.com (1,000 requests per day). Configure your MCP client by adding a JSON entry with the command to run the server and the LENDERWIKI_API_KEY environment variable. Alternatively, use the hosted HTTP endpoint at https://lenderwiki.com/api/mcp for remote access without local installation.

Key features of Lenderwiki US Consumer Lender Database

• Exposes four tools: find_lenders, get_lender_profile, compare_lenders, check_eligibility
• Search lenders by state, type, credit score, ITIN acceptance, loan amount, and more
• Retrieve comprehensive lender profiles with products, rates, eligibility, reviews, and regulatory data
• Side-by-side comparison for 2–5 lenders with a markdown table
• Preliminary eligibility check based on user’s financial profile
• Data sourced from lender websites, NerdWallet, Bankrate, CFPB, BBB, and regulatory databases

Use cases of Lenderwiki US Consumer Lender Database

• Search for lenders in a specific state that accept ITIN or cosigners
• Get a full profile of a lender including APR ranges, fees, and customer complaints
• Compare multiple lenders side by side to decide which best fits a borrower’s needs
• Check a borrower’s likely eligibility for a specific lender based on credit score, income, and location

FAQ from Lenderwiki US Consumer Lender Database

What does the server do that a direct API call cannot?

The server acts as an MCP bridge, allowing AI clients to query LenderWiki’s database using natural language prompts. It provides structured responses formatted as markdown, which can be directly consumed by the AI without additional parsing.

What are the runtime requirements?

Node.js version 18 or higher is required. The server communicates over stdio using the MCP protocol and does not start an HTTP server unless using the hosted endpoint.

Where does the data come from and how fresh is it?

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

Are there any usage limits?

A free API key provides 1,000 requests per day. The hosted HTTP endpoint (Streamable HTTP) is rate-limited by IP but requires no authentication.

What transport protocols are supported?

The server supports stdio for local MCP clients, Streamable HTTP at https://lenderwiki.com/api/mcp, and legacy SSE at https://lenderwiki.com/api/sse.