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The lenders most ready for AI agents
Agents will compare rates, gather documents and apply for loans for customers. These are the lenders most ready for that.
Scores come from 14 lenders scanned the same way, from public pages. The latest scan finished October 11, 2026.
| Rank | Lender | Level | Score |
|---|---|---|---|
| 1 | Prosper | Level 2, Legible | 70 out of 100 |
| 2 | SoFi | Level 0, Closed | 68 out of 100 |
| 3 | OneMain Financial | Level 2, Legible | 63 out of 100 |
| 4 | Avant | Level 2, Legible | 53 out of 100 |
| 5 | Upstart | Level 2, Legible | 45 out of 100 |
| 6 | Best Egg | Level 2, Legible | 41 out of 100 |
| 7 (tied) | Guild Mortgage | Level 2, Legible | 40 out of 100 |
| 7 (tied) | LendingClub | Level 2, Legible | 40 out of 100 |
| 9 (tied) | Mr. Cooper | Level 2, Legible | 37 out of 100 |
| 9 (tied) | Navient | Level 2, Legible | 37 out of 100 |
| 9 (tied) | United Wholesale Mortgage | Level 2, Legible | 37 out of 100 |
| 12 | Credit Acceptance | Level 1, Tolerated | 34 out of 100 |
| 13 | loanDepot | Level 2, Legible | 33 out of 100 |
| 14 | Rocket Mortgage | Level 0, Closed | 20 out of 100 |