# U.S. Bank — API Agent Score

> Score: 52/100 (Grade: D) | Domain: usbank.com | Rubric: 1.0.0 | Checked: November 6, 2026

U.S. Bank scored 52/100 (D), classified "not-ai-ready".

[View full report](https://www.postman.com/ai/ai-ready-apis/company/usbank)
[All organizations](https://www.postman.com/ai/ai-ready-apis/llms.txt)

## Summary

- Overall: 52/100 (D)
- Classification: not-ai-ready

## Category Scores

- API Design: 40/100 (F)
- Developer Experience: 66/100 (C)
- Agent Discovery: 74/100 (B)
- Agent Understanding: 64/100 (C)
- Agent Usability: 40/100 (F)

## Check Results

### API Design

- [fail] Security & governance hygiene — No security.txt found at /.well-known/security.txt or /security.txt, so there's no machine-readable security contact for agents or researchers. Investigated: wellknown 0%.
- [fail] Example coverage — No code samples detected across 1 sampled docs pages, so a coding agent gets no ready-to-use examples. Investigated: docs 0%.
- [skip] Machine-readable, versioned contract — No surface produced evidence for this capability in this run.
- [skip] Schema coverage & depth — No surface produced evidence for this capability in this run.
- [skip] Auth declared & discoverable — No surface produced evidence for this capability in this run.

### Developer Experience

- [pass] Self-service developer portal — Self-service signup available at https://mortgageapply.usbank.com/, with a free tier or sandbox documented — an agent can onboard without contacting sales. Investigated: docs 100%.
- [warn] Quickstart present — Quickstart page is reachable at https://developer.usbank.com/quickstart (18 variants scanned) but has no runnable code sample in its HTML or .md variant, so there's nothing to copy and run. Investigated: docs 50%.
- [fail] Code samples in docs — No code samples detected across 1 sampled docs pages, so a coding agent gets no ready-to-use examples. Investigated: docs 0%.
- [skip] Description completeness — No surface produced evidence for this capability in this run.
- [skip] Changelog published — No surface produced evidence for this capability in this run.

### Agent Discovery

- [pass] Docs reachable, not hard auth-gated — All 1 pages are publicly accessible. Investigated: docs 100%.
- [warn] llms.txt present, valid & comprehensive — No llms.txt found at any candidate location (https://developer.usbank.com/llms.txt, https://developer.usbank.com/docs/llms.txt). Investigated: docs 50%.
- [warn] Registry & SDK presence — Official SDKs found in only 1 language(s); at least 3 is the target for broad agent coverage. Investigated: sdk 50%, docs 0%, cli 0%.
- [warn] Crawlable / AEO — Sitemap has 0 entries but no lastmod values, so crawlers can't tell what changed recently. Investigated: wellknown 75%.

### Agent Understanding

- [pass] Agent-navigable, token-efficient docs — No tabbed content found; header quality check not applicable. Investigated: docs 100%.
- [fail] Agent instructions file (AGENTS.md) — No AGENTS.md at the site root or /.well-known/, so coding agents have no ready-made setup and usage instructions. Investigated: wellknown 0%.
- [fail] Docs structured data — No JSON-LD or OpenGraph/meta tags found across 1 assessed pages (1 JS-rendered), so answer engines have nothing to cite. Investigated: docs 0%.
- [skip] Machine-readable errors (RFC 9457) — No surface produced evidence for this capability in this run.
- [skip] Operation purpose clarity — No surface produced evidence for this capability in this run.
- [skip] Description consistency across surfaces — Only 0 surface description(s) with ≥6 tokens available; need at least 2 to compare.

### Agent Usability

- [fail] Runnable collection with test scripts — No public Postman workspace found for the org, so there's no runnable collection an agent can execute against. Investigated: platform 0%.
- [skip] Idempotency documented — No surface produced evidence for this capability in this run.
- [skip] Rate-limit signaling — No surface produced evidence for this capability in this run.
- [skip] Pagination documented & consistent — No surface produced evidence for this capability in this run.
- [skip] Sandbox separation — No surface produced evidence for this capability in this run.

## Executive Summary

US Bank's API program shows strength in agent discoverability — crawlability and registry presence are holding up — but two areas are putting partner momentum at risk. First, there are no code samples anywhere in the documentation, meaning partners and their coding agents have nothing concrete to build against and must guess at integration patterns from scratch. Second, the program lacks the machine-readable signals (security contact, agent instruction files, structured metadata, and runnable collections) that modern AI-assisted development workflows depend on. Prioritize shipping executable, example-rich documentation and closing the agent-readiness gaps to enable self-serve partner onboarding.