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Market Intelligence API – Bank Credit & Loan Growth (Fed H.8)
x402
Market Intelligence API – Bank Credit & Loan Growth (Fed H.8) is a paid API for AI agents from api.marketintelligenceapi.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-15).
Returns weekly Federal Reserve H.8 data on US commercial bank credit, loans, leases, securities, and deposits with annualized growth rates and loan-to-deposit ratios
Price / call$0.01
Success—
StatusUnknown
How this service works
US bank credit and loan growth (Fed H.8, weekly): bank credit, loans and leases, C&I, real estate and consumer loans, securities and deposits of all commercial banks with 4/13-week annualized and 52-week growth, the loan-to-deposit ratio and loan growth momentum. Use to see whether banks are expanding or tightening credit.
Output
Returns structured weekly Fed H.8 data for all US commercial banks, including total bank credit, loans and leases, C&I loans, real estate loans, consumer loans, securities holdings, and deposits — each with 4-week, 13-week, and 52-week annualized growth rates — plus the aggregate loan-to-deposit ratio and a loan growth momentum indicator.
Example use cases
Macro credit conditions for investment thesis
“I'm building a macro thesis on the US credit cycle — can you grab the latest Fed H.8 bank credit data and tell me whether banks are expanding or tightening lending, with the annualized growth rates for C&I, real estate, and consumer loans?”
Monitoring banking sector stress signals
“I want to keep tabs on whether US commercial banks are pulling back on credit — fetch the current loan-to-deposit ratio and loan growth momentum from the latest H.8 data so I can see if there are any stress signals.”
Weekly credit market briefing for a portfolio manager
“Give me this week's Fed H.8 snapshot: total bank credit, loans and leases outstanding, and the 4-week and 52-week annualized growth rates so I can include them in my weekly credit market briefing.”
Technical details
Endpoint
GEThttps://api.marketintelligenceapi.com/api/v1/rates/bank-credit?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need authoritative, up-to-date US commercial banking credit conditions derived directly from the Federal Reserve H.8 statistical release, particularly when you want pre-computed annualized growth rates (4/13/52-week) and a loan-to-deposit ratio without having to parse raw Fed data yourself. Prefer this over general financial data APIs when the specific question is about aggregate US bank lending expansion or contraction, credit cycle positioning, or macro banking sector health.
Side effects
- Data may be stale if the Fed H.8 release schedule is delayed or if the provider's data pipeline has a lag
- Payment failure if USDC balance is insufficient (x402 payment required)
- No query parameters supported — endpoint returns the latest available data only, so historical point-in-time queries are not possible
- API may return 503 or timeout if the upstream data source is temporarily unavailable
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| outputrequired | object |
Output
Schema · Response
{
"type": "json",
"example": {
"items": {
"loansAndLeases": {
"annualizedGrowthPercent13w": 5.6
}
},
"loanGrowthMomentum": "STEADY",
"loanToDepositPercent": 71.9
}
}Tags
x402
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