{"uid":"cap_sFaY276UdNftaoB84_M85","slug":"market-intelligence-api-bank-credit-loan-growth-fed-h-8-ca8f96ed","name":"Market Intelligence API – Bank Credit & Loan Growth (Fed H.8)","description":"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.","url":"https://api.marketintelligenceapi.com/api/v1/rates/bank-credit?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"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},"responseSchema":{"type":"json","example":{"items":{"loansAndLeases":{"annualizedGrowthPercent13w":5.6}},"loanGrowthMomentum":"STEADY","loanToDepositPercent":71.9}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_goOUVa2UozVH8yJOZXwVr","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"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","exampleAgentPrompt":"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.","exampleUseCases":[{"title":"Macro credit conditions for investment thesis","prompt":"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?"},{"title":"Monitoring banking sector stress signals","prompt":"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."},{"title":"Weekly credit market briefing for a portfolio manager","prompt":"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."}],"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-19T12:42:16.164Z","isFirstParty":false,"canonicalSlug":"market-intelligence-api-bank-credit-loan-growth-fed-h-8-ca8f96ed"}