What this section covers
Method provides the infrastructure layer that digital lenders need to move from application intake through underwriting, loan funding, debt payoff, and post-funding monitoring, all through a single API layer. Instead of stitching together credit bureau pulls, payment rails, and account aggregation vendors, lending teams can use Method to power the entire lifecycle with real-time liability data and embedded payments. This spans both unsecured and secured products (personal loans, credit cards, mortgages, HELOCs, and auto) across two motions on the same data fabric: origination (pre-qualification, offer sizing, and direct payoff at funding) and portfolio intelligence (continuous monitoring to surface refinance, HELOC, CLI, and cross-sell opportunities before borrowers shop elsewhere).The borrower journey
| Stage | Use cases | Core endpoints |
|---|---|---|
| Marketing | Portfolio Intelligence | Attributes |
| Application | Prefill, Pre-qualification | IDV, Entity-Connect, Account-Update, Vehicles, Attributes, Snapshot |
| Underwriting | CLI / repricing | IDV, Entity-Connect, Snapshot, Credit Score, Account-Update, Attributes, Subscriptions |
| Disbursement | Direct Pay | Entity-Connect, Account-Update, Payments, Sensitive, Snapshot |
| Servicing | Portfolio Intelligence: Grow, Portfolio Intelligence: Protect | Account-Update, Update Subscriptions, Credit Score, Credit Score Subscriptions, Attributes, Snapshot |
Where to go next
Getting Started
Create an entity, verify identity, and discover all liabilities for a loan applicant.
Application & Qualification
Prefill applications, pre-qualify borrowers, and run CLI / repricing on real-time liability data.
Direct Pay
Disburse loan proceeds straight to creditors and turn direct payoff into a pricing lever.
Portfolio Intelligence
Monitor borrower liability, utilization, and delinquency signals continuously after origination.
Mortgage & HELOC
Qualify, size HELOC and refi offers, and target secured-lending customers on real-time data.