How do I trigger an automated credit decision?

Use the `submit_loan_application` tool with the unique application ID. This will trigger the rules-based or AI-driven decision engine configured in your LendAPI account.

Can I search for valid values for specific fields like 'purpose'?

Yes, the `get_lendapi_picklists` tool allows you to retrieve the full list of allowed values for various metadata fields, ensuring your application data is compliant.

Is it possible to manage borrower profiles via the agent?

Absolutely. You can list all borrowers, retrieve detailed profile information, and create new borrower records using the specific borrower tools provided.

LendAPI MCP Server for VS Code Copilot 8 tools — connect in under 2 minutes

Name: LendAPI
Availability: InStock
Author: Vinkius

code.visualstudio.com/docs/copilot/chat/mcp-servers

Built by Vinkius GDPR 8 Tools IDE

GitHub Copilot in VS Code is the most widely adopted AI coding assistant, embedded directly into the world's most popular code editor. With MCP support in Agent mode, Copilot can access external data and APIs to generate context-aware code grounded in real-time information.

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Classic Setup·json

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

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* Every MCP server runs on Vinkius-managed infrastructure inside AWS - a purpose-built runtime with per-request V8 isolates, Ed25519 signed audit chains, and sub-40ms cold starts optimized for native MCP execution. See our infrastructure

About LendAPI MCP Server

Connect your LendAPI account to any AI agent to automate your loan origination and management workflows. This MCP server enables your agent to interact with borrower profiles, manage loan applications, and trigger automated credit decisioning directly from natural language interfaces.

GitHub Copilot Agent mode brings LendAPI data directly into your VS Code workflow. With a project-scoped config, the entire team shares access to 8 tools. Copilot queries live data, generates typed code, and writes tests from actual API responses, all without leaving the editor.

What you can do

Borrower Oversight — List and retrieve detailed profiles for all registered borrowers in your system
Application Lifecycle — List, retrieve, and create loan application drafts while monitoring their current status
Credit Decisioning — Submit applications for automated credit review and trigger AI/ML risk assessments
Data Standardization — Retrieve valid picklist values for purposes, industries, and asset types to ensure data quality
Onboarding Automation — Create new borrower records and manage their associated loan requests seamlessly

The LendAPI MCP Server exposes 8 tools through the Vinkius. Connect it to VS Code Copilot in under two minutes — no API keys to rotate, no infrastructure to provision, no vendor lock-in. Your configuration, your data, your control.

How to Connect LendAPI to VS Code Copilot via MCP

Follow these steps to integrate the LendAPI MCP Server with VS Code Copilot.

Create MCP config

Create a .vscode/mcp.json file in your project root

Add the server config

Paste the JSON configuration above

Enable Agent mode

Open GitHub Copilot Chat and switch to Agent mode using the dropdown

Start using LendAPI

Ask Copilot: "Using LendAPI, help me...". 8 tools available

Why Use VS Code Copilot with the LendAPI MCP Server

GitHub Copilot for Visual Studio Code provides unique advantages when paired with LendAPI through the Model Context Protocol.

VS Code is used by over 70% of developers. adding MCP tools to Copilot means your team can leverage external data without leaving their primary editor

Project-scoped MCP configs (`.vscode/mcp.json`) let you commit server configurations to your repository, ensuring the entire team shares the same tool access

Copilot's Agent mode integrates MCP tools seamlessly with file editing, terminal commands, and workspace search in a single agentic loop

GitHub's enterprise compliance and audit features extend to MCP tool usage, providing visibility into how AI interacts with external services

LendAPI + VS Code Copilot Use Cases

Practical scenarios where VS Code Copilot combined with the LendAPI MCP Server delivers measurable value.

Live API integration: Copilot can query an MCP server, inspect the response schema, and generate typed API client code in the same step

DevSecOps workflows: security teams can give developers access to domain intelligence tools directly in their editor for real-time vulnerability assessment during code review

Data pipeline development: Copilot fetches sample data via MCP and generates transformation scripts, validators, and test fixtures from actual API responses

Documentation generation: Copilot queries available tools and auto-generates README sections, API reference docs, and usage examples

LendAPI MCP Tools for VS Code Copilot (8)

These 8 tools become available when you connect LendAPI to VS Code Copilot via MCP:

create_loan_application

Requires a JSON body with application details. Create a new loan application

create_new_borrower

Requires a JSON body with profile details. Create a new borrower profile

get_application_details

Get details for a specific loan application

get_borrower_details

Get details for a specific borrower

get_lendapi_picklists

Retrieve valid picklist values for metadata fields

list_borrowers

List all borrower profiles

list_loan_applications

List all loan applications

submit_loan_application

Submit a loan application for decisioning

Example Prompts for LendAPI in VS Code Copilot

Ready-to-use prompts you can give your VS Code Copilot agent to start working with LendAPI immediately.

"List all borrowers in my LendAPI account."

"Show details for loan application ID 'APP-12345'."

"Submit application 'APP-12345' for a final credit decision."

Troubleshooting LendAPI MCP Server with VS Code Copilot

Common issues when connecting LendAPI to VS Code Copilot through the Vinkius, and how to resolve them.

MCP tools not available

Ensure you are in Agent mode in Copilot Chat. MCP tools only appear in Agent mode.

LendAPI + VS Code Copilot FAQ

Common questions about integrating LendAPI MCP Server with VS Code Copilot.

Which VS Code version supports MCP?

MCP support requires VS Code 1.99 or later with the GitHub Copilot extension. Ensure both are updated to the latest version. Older versions of Copilot may not expose the Agent mode toggle.

How do I switch to Agent mode?

Open the Copilot Chat panel and look for two mode options: "Ask" and "Agent". Click "Agent" to enable autonomous tool calling. In Ask mode, Copilot provides conversational answers but cannot invoke MCP tools.

Can I restrict which MCP tools Copilot can access?

Yes. VS Code shows a tool consent dialog before any MCP tool is invoked for the first time. You can also configure tool access policies at the organization level through GitHub Copilot settings.

Does MCP work in VS Code Remote or Codespaces?

Yes. MCP servers configured via .vscode/mcp.json work in Remote SSH, WSL, and GitHub Codespaces environments. The MCP connection is established from the remote host, so ensure the server URL is accessible from that environment.