LOB

Status: Integrated
Website: https://www.lob.com
Credentials: Through RiskOS™ (Reseller)
Description:

LOB provides APIs for direct mail, address verification, and data enrichment. Their Address Verification API validates, standardizes, and enriches U.S. mailing addresses using USPS and proprietary datasets, returning geocodes, deliverability insights, and confidence scores.

Products offered via RiskOS™

Product Name	Description	RiskOS™ Use Cases
Address Verification API	Verifies, corrects, and enriches U.S. addresses for mailing accuracy.	Prevents fraud via address validation, ensures KYC/AML compliance, enhances deliverability for account correspondence.

Example API response

Address Verification API

{
"id": "us_ver_c7cb63d68f8d6",
"recipient": "LOB.COM",
"primary_line": "210 KING ST",
"secondary_line": "",
"urbanization": "",
"last_line": "SAN FRANCISCO CA 94107-1702",
"deliverability": "deliverable",
"valid_address": true,
"components": {
  "primary_number": "210",
  "street_predirection": "",
  "street_name": "KING",
  "street_suffix": "ST",
  "street_postdirection": "",
  "secondary_designator": "",
  "secondary_number": "",
  "pmb_designator": "",
  "pmb_number": "",
  "extra_secondary_designator": "",
  "extra_secondary_number": "",
  "city": "SAN FRANCISCO",
  "state": "CA",
  "zip_code": "94107",
  "zip_code_plus_4": "1702",
  "zip_code_type": "standard",
  "delivery_point_barcode": "941071702108",
  "address_type": "commercial",
  "record_type": "street",
  "default_building_address": false,
  "county": "SAN FRANCISCO",
  "county_fips": "06075",
  "carrier_route": "C032",
  "carrier_route_type": "city_delivery",
  "po_box_only_flag": "N",
  "latitude": 37.77597542841264,
  "longitude": -122.3929557343685
},
"deliverability_analysis": {
  "dpv_confirmation": "Y",
  "dpv_cmra": "N",
  "dpv_vacant": "N",
  "dpv_active": "Y",
  "dpv_inactive_reason": "",
  "dpv_throwback": "N",
  "dpv_non_delivery_day_flag": "N",
  "dpv_non_delivery_day_values": "",
  "dpv_no_secure_location": "N",
  "dpv_door_not_accessible": "N",
  "dpv_footnotes": [
    "AA",
    "BB"
  ],
  "ews_match": false,
  "lacs_indicator": "",
  "lacs_return_code": "",
  "suite_return_code": ""
},
"lob_confidence_score": {
  "score": 100,
  "level": "high"
},
"object": "us_verification"
}

Data dictionary

Account Opening API Data Dictionary

Field	Type	Description
email.valid	Boolean	True/false flag indicating if the supplied email is valid, derived from the Ekata Identity Graph.
email.first_seen_days	Integer	Days since the input email was first seen in Ekata’s Identity Network.
email.domain_creation_date	Date	Date the email domain was registered.
email.to_name	String	Match status between the input name and the name associated with the email.
ip.risk	Boolean	Flag indicating whether the IP address is considered risky.
ip.risk_score	Float	Numeric risk score for the IP, calculated by Ekata’s IP risk model.
ip.last_seen_days	Integer	Days since the IP address was last seen in the Identity Network.
ip.geolocation_country_code	String	Two-character country code of the IP geolocation.
ip.geolocation_subdivision	String	Subregion of the country where the IP is located.
ip.phone_distance	Integer	Distance in miles between the IP’s geolocation and the phone’s location.
ip.address_distance	Integer	Distance in miles between the IP’s geolocation and the physical address.
phone.valid	Boolean	True/false flag indicating whether the phone number is valid.
phone.line_type	String	Type of phone line (mobile, landline, VoIP, etc.).
phone.carrier	String	Carrier associated with the phone number.
phone.country_code	String	Two-character country code derived from the phone number.
phone.last_seen_days	Integer	Days since the phone number was last seen in the Identity Network.
phone.email.first_seen_days	Integer	Days since the phone/email pair was first observed in the Identity Network.
phone.to_name	String	Indicates whether the input name matches the name associated with the phone.
phone.to_address	String	Indicates whether the phone number location matches the input address.
address.validity_level	String	Level of address validation (valid_to_city, valid_to_street, etc.).
address.to_name	String	Indicates whether the input name matches the name associated with the address.
identity_network_score	Float	ML prediction (0.0–1.0) of risk based on velocity, popularity, volatility, and age of identity elements.
identity_risk_score	Integer	Comprehensive fraud risk score (0–500) combining authoritative data and network patterns.