Better Mortgage

Better (Better Home & Finance Company, operating as Better Mortgage) is a New York-based fintech founded in 2014 by Vishal Garg that digitizes home finance end to end. Its online platform originates purchase mortgages, refinances, home equity lines of credit (HELOC), and VA loans, and connects borrowers with title, closing, homeowners insurance (via Better Cover), and real-estate agent matching. Better was the first fintech to fund over $100 billion in home loans entirely online and markets an "AI-powered" One Day Mortgage experience. Better does not publish a general-purpose public developer API, but it operates a live OpenID Connect / OAuth 2.0 identity provider (backed by AWS Cognito) for partner single sign-on, discoverable at its /.well-known endpoints.

Better Mortgage publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Mortgage, Lending, and Real Estate.

Better Mortgage’s developer surface includes engineering blog, support, pricing, authentication, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

17.2/100 emerging ▬ flat Agent 13/100 agent aware Full breakdown ↓
scored 2026-08-10 · rubric v0.9.1

AccessSelf serve

1 APIs

CompanyFintechMortgageLendingReal EstateHome FinanceHELOCOpenID Connect

Kin Score

Kin Score How this is scored →
scored 2026-08-10 · rubric v0.9.1

Composite quality — 17.2/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 3.5 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 1.5 / 12

Discoverability 8.0 / 10

Agent readiness — 13/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/better-mortgage: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Better Mortgage Scopes

4 scopes · authorizationCode

4 scopes

SCOPES

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

OAuthScopes

OAuthScopes

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Pricing

Pricing

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: better-mortgage
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/better-mortgage.png
name: Better Mortgage
description: Better (Better Home & Finance Company, operating as Better Mortgage) is a New York-based fintech founded in 2014
  by Vishal Garg that digitizes home finance end to end. Its online platform originates purchase mortgages, refinances, home
  equity lines of credit (HELOC), and VA loans, and connects borrowers with title, closing, homeowners insurance (via Better
  Cover), and real-estate agent matching. Better was the first fintech to fund over $100 billion in home loans entirely online
  and markets an "AI-powered" One Day Mortgage experience. Better does not publish a general-purpose public developer API,
  but it operates a live OpenID Connect / OAuth 2.0 identity provider (backed by AWS Cognito) for partner single sign-on,
  discoverable at its /.well-known endpoints.
url: https://raw.githubusercontent.com/api-evangelist/better-mortgage/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- kleiner-perkins
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Mortgage
- Lending
- Real Estate
- Home Finance
- HELOC
- OpenID Connect
apis:
- name: Better Identity Provider
  description: Better's OpenID Connect / OAuth 2.0 identity provider for partner single sign-on, backed by AWS Cognito. Endpoints
    and metadata are published via the standard OIDC and OAuth authorization-server discovery documents.
  humanURL: https://www.better.com/.well-known/openid-configuration
  baseURL: https://prod.bettermg.com
  properties:
  - type: Authentication
    url: authentication/better-mortgage-authentication.yml
  - type: OAuthScopes
    url: scopes/better-mortgage-scopes.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.better.com
- type: Blog
  url: https://www.better.com/content
- type: Support
  url: https://www.better.com/faq
- type: TermsOfService
  url: https://www.better.com/terms
- type: Pricing
  url: https://www.better.com/rates
- type: WellKnown
  url: well-known/better-mortgage-well-known.yml
- type: Authentication
  url: authentication/better-mortgage-authentication.yml
- type: OAuthScopes
  url: scopes/better-mortgage-scopes.yml
- type: Conformance
  url: conformance/better-mortgage-conformance.yml
- type: DomainSecurity
  url: security/better-mortgage-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence