# Market Intelligence API – Bank Credit & Loan Growth (Fed H.8)

> 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 2026-10-19).

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

## Facts

- Endpoint: GET https://api.marketintelligenceapi.com/api/v1/rates/bank-credit?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-19
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/market-intelligence-api-bank-credit-loan-growth-fed-h-8-ca8f96ed
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_sFaY276UdNftaoB84_M85

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability market-intelligence-api-bank-credit-loan-growth-fed-h-8-ca8f96ed
```

Example prompt: Pull the latest Fed H.8 bank credit data — I want to see whether US commercial banks are expanding or tightening credit, including the loan-to-deposit ratio and the 4-week, 13-week, and 52-week annualized growth rates for C&I, real estate, and consumer loans.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input",
  "output"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {},
     "additionalProperties": false
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "description": "Example JSON response returned by this endpoint"
    }
   },
   "additionalProperties": true
  }
 },
 "additionalProperties": false
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "items": {
   "loansAndLeases": {
    "annualizedGrowthPercent13w": 5.6
   }
  },
  "loanGrowthMomentum": "STEADY",
  "loanToDepositPercent": 71.9
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/market-intelligence-api-bank-credit-loan-growth-fed-h-8-ca8f96ed/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.marketintelligenceapi.com](https://www.zero.xyz/host/api.marketintelligenceapi.com/llms.txt)