> ## Documentation Index
> Fetch the complete documentation index at: https://docs.methodfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Lending

> Full lifecycle from lead generation to portfolio monitoring.

Full lifecycle from lead generation to portfolio monitoring. Pre-screen, pre-fill, underwrite, disburse directly to creditors, and monitor the portfolio in real time.

## 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

<CardGroup cols={2}>
  <Card title="Getting Started" icon="rocket" href="/2026-03-30/guides/use-cases/lending/getting-started">
    Create an entity, verify identity, and discover all liabilities for a loan applicant.
  </Card>

  <Card title="Application & Qualification" icon="clipboard-check" href="/2026-03-30/guides/use-cases/lending/application-prefill">
    Prefill applications, pre-qualify borrowers, and run CLI / repricing on real-time liability data.
  </Card>

  <Card title="Direct Pay" icon="money-bill-transfer" href="/2026-03-30/guides/use-cases/lending/debt-consolidation">
    Disburse loan proceeds straight to creditors and turn direct payoff into a pricing lever.
  </Card>

  <Card title="Portfolio Intelligence" icon="chart-line" href="/2026-03-30/guides/use-cases/lending/portfolio-monitoring">
    Monitor borrower liability, utilization, and delinquency signals continuously after origination.
  </Card>

  <Card title="Mortgage & HELOC" icon="house-chimney" href="/guides/use-cases/lending/mortgage-heloc">
    Qualify, size HELOC and refi offers, and target secured-lending customers on real-time data.
  </Card>
</CardGroup>