# Better

**Canonical:** https://apis.io/providers/better/  
**Website:** https://better.com  
**APIs profiled:** 0

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.

## Kin Score — 21.1 / 100 (emerging)

Scored 2026-08-19 under rubric 0.12.0. Trend: flat (-1.3 from 22.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

Regulatory layer — **Insurance**: 63.6 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| 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 |

## Access

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

## Security (2)

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

## Tags

Company, Mortgage, Lending, Fintech, Real Estate, Home Equity, Insurance, Financial Services

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