Better

Better (Better Home & Finance Company, NASDAQ: BETR) is a New York-based digital homeownership company founded in 2014 by Vishal Garg. Its Tinman-powered platform delivers an end-to-end online mortgage experience - purchase loans, refinancing, cash-out refinancing, HELOCs, VA loans, and crypto-backed mortgages - alongside real estate agent matching, title and closing services, and homeowners insurance through Better+. Better became a Fannie Mae-approved seller/servicer in 2016, has funded over $100B in mortgages, and launched One Day Mortgage in 2023. It is backed by SoftBank Vision Fund, Bond Capital, Ally, Citi, Ping An, Goldman Sachs, KPCB, and American Express. Better publishes no public developer API; this profile captures its public web, consumer identity (AWS Cognito OIDC), and domain-security surface.

Better is profiled on the APIs.io network. Tagged areas include Company, Mortgage, Lending, Fintech, and Real Estate.

Better’s developer surface includes engineering blog, support, pricing, authentication, and 8 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

18.5/100 emerging ▬ flat Agent 11/100 agent aware Front door AI 2/6 trace saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Company Mortgage Lending Fintech Real Estate Home Equity Insurance Financial Services HELOCHome Finance

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 18.5/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 5.4 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.5 / 10

Discoverability 4.1 / 9

Regulatory Posture 5.5 / 15

Agent readiness — 11/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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<a href="https://apis.io/providers/better/"><img src="https://apis.io/badge/better/card.svg" alt="Better on APIs.io — Kin Score by API Evangelist"></a>

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 19.0 — up to +16.2 composite points
Access Clarity scores 31.6 — up to +13.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/better/apis.yml: open an issue on github.com/api-evangelist/better to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Dynamic Client Registration

measured — observed by APIs.io (published)

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Better Authentication

oauth2/openIdConnect · 1 scheme

SECURITY

Better Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Better 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 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

AboutUs

AboutUs

Blog

Blog

Source (apis.yml)

aid: better
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/better.png
name: Better
description: 'Better (Better Home & Finance Company, NASDAQ: BETR) is a New York-based digital homeownership company founded
  in 2014 by Vishal Garg. Its Tinman-powered platform delivers an end-to-end online mortgage experience - purchase loans,
  refinancing, cash-out refinancing, HELOCs, VA loans, and crypto-backed mortgages - alongside real estate agent matching,
  title and closing services, and homeowners insurance through Better+. Better became a Fannie Mae-approved seller/servicer
  in 2016, has funded over $100B in mortgages, and launched One Day Mortgage in 2023. It is backed by SoftBank Vision Fund,
  Bond Capital, Ally, Citi, Ping An, Goldman Sachs, KPCB, and American Express. Better publishes no public developer API;
  this profile captures its public web, consumer identity (AWS Cognito OIDC), and domain-security surface.'
url: https://raw.githubusercontent.com/api-evangelist/better/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- bond-capital
- softbank-vision-fund
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Mortgage
- Lending
- Fintech
- Real Estate
- Home Equity
- Insurance
- Financial Services
- HELOC
- Home Finance
tags_raw:
- Company
- Mortgage
- Lending
- Fintech
- Real Estate
- Home Equity
- Insurance
- Financial Services
- Real-Estate
- Financial-Services
- HELOC
- Home Finance
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://better.com
- type: AboutUs
  url: https://better.com/about-us
- type: Blog
  url: https://better.com/content
- type: Support
  url: https://better.com/about-us/contact-us
- type: Pricing
  url: https://better.com/mortgage-rates
- type: TermsOfService
  url: https://better.com/about-us/terms-of-use
- type: PrivacyPolicy
  url: https://better.com/about-us/privacy-policy
- type: WellKnown
  url: well-known/better-well-known.yml
- type: Authentication
  url: authentication/better-authentication.yml
- type: OAuthScopes
  url: scopes/better-scopes.yml
- type: Conformance
  url: conformance/better-conformance.yml
- type: DomainSecurity
  url: security/better-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Better API — frequently asked questions

How do I authenticate with the Better API?

Better documents its authentication (oauth2/openIdConnect · 1 scheme). The details are profiled on APIs.io as Better Authentication.

Is the Better API ready for AI agents?

Better has a Kin Score of 18.5 out of 100 (emerging) and an Agent Readiness score of 10.8 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

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