> ## 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

> [card] [Getting Started](https://docs.methodfi.com/2026-03-30/guides/use-cases/lending/getting-started.md)
>
> Create an entity, verify identity, and discover all liabilities for a loan applicant.

> [card] [Application & Qualification](https://docs.methodfi.com/2026-03-30/guides/use-cases/lending/application-prefill.md)
>
> Prefill applications, pre-qualify borrowers, and run CLI / repricing on real-time liability data.

> [card] [Direct Pay](https://docs.methodfi.com/2026-03-30/guides/use-cases/lending/debt-consolidation.md)
>
> Disburse loan proceeds straight to creditors and turn direct payoff into a pricing lever.

> [card] [Portfolio Intelligence](https://docs.methodfi.com/2026-03-30/guides/use-cases/lending/portfolio-monitoring.md)
>
> Monitor borrower liability, utilization, and delinquency signals continuously after origination.

> [card] [Mortgage & HELOC](https://docs.methodfi.com/guides/use-cases/lending/mortgage-heloc.md)
>
> Qualify, size HELOC and refi offers, and target secured-lending customers on real-time data.


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