How to Use the LendAPI MCP in VS Code Copilot

Q: How do we share the LendAPI MCP Server config with our team in VS Code Copilot?

Create a .vscode/mcp.json file in your repository root and commit it to Git. Every developer on your team using VS Code Copilot will automatically gain access to the underwriting tools.

Q: Can VS Code Copilot create new borrowers in LendAPI?

Yes, the agent can call createnewborrower using JSON parameters you provide in the chat. This lets you quickly populate your test environment with fresh profiles directly inside VS Code Copilot.

Share LendAPI underwriting tools across your team inside VS Code Copilot.

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Connect LendAPI MCP to VS Code Copilot

Create your Vinkius account to connect LendAPI to VS Code Copilot and route execution through our secure gateway. The platform manages server hosting, runtime updates, and security layers. Configuration requires no manual server provisioning.

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Setup LendAPI with VS Code Copilot

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Validate loan schemas in VS Code Copilot

The `get_lendapi_picklists` tool retrieves the live validation fields directly into your VS Code Copilot chat window. Your team can query the active metadata parameters to ensure your local frontend schemas match the backend decision criteria. Instead of searching through external wiki pages, developers use this MCP Server tool to get instant answers about loan categories and state limits. This keeps your entire engineering team aligned on the same underwriting standards directly inside their primary IDE.

Test submission flows in Copilot Agent Mode

The `submit_loan_application` tool triggers the underwriting engine directly from your VS Code Copilot chat. Developers can verify how their local codebase handles decision responses by running live submissions during development. If the decision fails, the agent calls `get_application_details` to inspect the exact credit scoring errors. This makes debugging your loan processing logic significantly faster because you can diagnose API issues without switching to a web browser.

Audit borrower profiles during code reviews

The `list_borrowers` tool pulls active customer records directly into VS Code Copilot for verification. Code reviewers can inspect live borrower records to verify that profile formatting changes match the database schema. By running `get_borrower_details` alongside your code reviews, you verify that custom database fields map correctly to the API's fields. This team-wide visibility prevents schema mismatches from reaching your production branch.

Setup guide

Set up LendAPI MCP in VS Code Copilot

Prerequisites

VS Code 1.99 or later with GitHub Copilot extension
Active Vinkius subscription with a valid endpoint token

1

Open MCP configuration

Open the Command Palette (Cmd+Shift+P / Ctrl+Shift+P) and run "MCP: Add Server". Select HTTP (Streamable) as the server type. VS Code will create .vscode/mcp.json in your workspace.
2

Add the LendAPI MCP

Paste the JSON snippet shown on the right into your .vscode/mcp.json. Replace [YOUR_TOKEN_HERE] with your endpoint token from cloud.vinkius.com.
3

Switch to Agent mode

Open Copilot Chat (Cmd+Shift+I / Ctrl+Shift+I) and switch to Agent mode using the dropdown. MCP tools are only available in Agent mode — they do not appear in Edit or Ask modes.
4

Verify the connection

In the Copilot Chat input, type # to list available tools. You should see the LendAPI tools listed. Try asking: "List my recent LendAPI transactions" and Copilot will invoke them automatically.

.vscode/mcp.json

{
  "mcpServers": {
    "lendapi-mcp": {
      "url": "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
    }
  }
}

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Common questions about LendAPI MCP in VS Code Copilot

Create a `.vscode/mcp.json` file in your repository root and commit it to Git. Every developer on your team using VS Code Copilot will automatically gain access to the underwriting tools.

Yes, the agent can call `create_new_borrower` using JSON parameters you provide in the chat. This lets you quickly populate your test environment with fresh profiles directly inside VS Code Copilot.

Using this MCP Server inside VS Code Copilot allows your developers to query `list_loan_applications` and debug submission pipelines contextually. It removes the friction of managing separate API collections and key sharing across the engineering team.

Yes, because it connects to the live API, any updates to your decision rules or picklists are immediately reflected when the agent calls the tools.

All borrower profiles and credit decisions are protected via zero-trust, ephemeral connections. Your sensitive financial data is never used for model training, and the API requests bypass public proxies entirely.

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