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
16.5/100 emerging Agent 14/100 human only Full breakdown ↓
scored 2026-07-20 · rubric v0.4
1 APIs 0 Features
CompanyFintechMortgageLendingReal EstateHome FinanceHELOCOpenID Connect

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 16.5/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 3.5 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Agent readiness — 14/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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
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

Better Identity Provider

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 aut...

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)

apis.yml Raw ↑ 
aid: better-mortgage
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