# Better Mortgage

**Canonical:** https://apis.io/providers/better-mortgage/  
**Website:** https://www.better.com  
**APIs profiled:** 1

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.

## Kin Score — 17.1 / 100 (emerging)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 17.1).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## Agent readiness — 10.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | served |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | yes |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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...

## Security (2)

- **Better Mortgage Authentication** — openIdConnect/oauth2 · 1 scheme
- **Better Mortgage Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Mortgage, Lending, Real-Estate, Home Finance, HELOC, OpenID Connect

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/better-mortgage/). Scores are computed from the provider's own public artifacts under a published rubric.