Blend Labs

Blend Labs, Inc. (NYSE: BLND) is a cloud banking platform, founded in 2012 and headquartered in the San Francisco Bay Area, that powers digital lending and account opening for banks, credit unions, and mortgage lenders. The Blend API lets integrators drive the full home-lending lifecycle — creating and exporting mortgage applications (with MISMO 3.3.1 and Fannie 3.2 export), managing parties, documents and disclosures, e-signature packages, and electronic/RON closings — as well as consumer lending, deposit account opening, verification of income/employment/assets, tax transcripts, lender user management, reporting, and event notifications. Requests authenticate with an OAuth token, HTTP bearer, or basic credentials plus a mandatory blend-target-instance tenant header, against production (api.blendlabs.com) or beta (api.beta.blendlabs.com).

Blend Labs publishes 1 API on the APIs.io network: Blend API. Tagged areas include Company, Financial Services, Mortgage, Lending, and Banking.

The Blend Labs catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Blend Labs’ developer surface includes documentation, API reference, getting-started guide, support, changelog, signup flow, pricing, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub
38.7/100 thin Agent 27/100 agent aware Full breakdown ↓
scored 2026-07-20 · rubric v0.4
1 APIs 1 MCP Servers 0 Features
CompanyFinancial ServicesMortgageLendingBankingDigital BankingFintechAccount OpeningMortgage TechnologyConsumer LendingDeposit AccountsVerificationeClosing

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 38.7/100 · thin
Contract Quality 9.4 / 25
Developer Ergonomics 9.1 / 20
Commercial Clarity 4.7 / 20
Operational Transparency 6.2 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 27/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 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/blend-labs: 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

Blend API

Blend's platform API for home lending, consumer lending, deposit account opening, documents and disclosures, e-signature packages, electronic and remote online notary (RON) clos...

MCP Servers

blend-labs-mcp.yml

MCP SERVER

Event Specifications

Blend Labs Events Webhooks

ASYNCAPI

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt
 WellKnown
WellKnown

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Lifecycle
Lifecycle
 Webhooks
Webhooks

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage
 ChangeLog
ChangeLog
 Deprecation
Deprecation

Commercial 1

Pricing, plans, and the legal terms of use

Pricing
Pricing

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: blend-labs
name: Blend Labs
description: 'Blend Labs, Inc. (NYSE: BLND) is a cloud banking platform, founded in 2012 and headquartered in the San Francisco
  Bay Area, that powers digital lending and account opening for banks, credit unions, and mortgage lenders. The Blend API
  lets integrators drive the full home-lending lifecycle — creating and exporting mortgage applications (with MISMO 3.3.1
  and Fannie 3.2 export), managing parties, documents and disclosures, e-signature packages, and electronic/RON closings —
  as well as consumer lending, deposit account opening, verification of income/employment/assets, tax transcripts, lender
  user management, reporting, and event notifications. Requests authenticate with an OAuth token, HTTP bearer, or basic credentials
  plus a mandatory blend-target-instance tenant header, against production (api.blendlabs.com) or beta (api.beta.blendlabs.com).'
url: https://raw.githubusercontent.com/api-evangelist/blend-labs/refs/heads/main/apis.yml
image: https://cdn.readme.io/og-image/create?type=home&title=Blend%20API%20Docs&projectTitle=Blend%20API%20Docs
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
x-tier: profiled
x-tier-reason: enrichment-pipeline
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Financial Services
- Mortgage
- Lending
- Banking
- Digital Banking
- Fintech
- Account Opening
- Mortgage Technology
- Consumer Lending
- Deposit Accounts
- Verification
- eClosing
apis:
- name: Blend API
  description: 'Blend''s platform API for home lending, consumer lending, deposit account opening, documents and disclosures,
    e-signature packages, electronic and remote online notary (RON) closings, verification of income/employment/assets, reporting,
    and event notifications. Multi-tenant: every request carries a blend-target-instance header.'
  humanURL: https://developers.blend.com/blend/reference
  baseURL: https://api.blendlabs.com
  tags:
  - Mortgage
  - Lending
  - Banking
  - Closings
  - Documents
  - Verification
  - Events
  properties:
  - type: OpenAPI
    url: https://developers.blend.com/blend/openapi
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: Authentication
    url: authentication/blend-labs-authentication.yml
  - type: Conventions
    url: conventions/blend-labs-conventions.yml
  - type: DataModel
    url: data-model/blend-labs-data-model.yml
  - type: ErrorCatalog
    url: errors/blend-labs-problem-types.yml
  - type: MCPServer
    url: mcp/blend-labs-mcp.yml
  - type: Conformance
    url: conformance/blend-labs-conformance.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/blend-labs-domain-security.yml
- type: DeveloperPortal
  url: https://developers.blend.com/
- type: Documentation
  url: https://developers.blend.com/blend/docs
- type: APIReference
  url: https://developers.blend.com/blend/reference
- type: GettingStarted
  url: https://developers.blend.com/blend/docs
- type: Support
  url: https://help.blend.com/
- type: StatusPage
  url: https://status.blend.com/
- type: ChangeLog
  url: changelog/blend-labs-changelog.yml
- type: Deprecation
  url: https://developers.blend.com/blend/changelog
- type: Website
  url: https://blend.com/
- type: SignUp
  url: https://blend.com/contact/
- type: Pricing
  url: https://blend.com/contact/
- type: LLMsTxt
  url: llms/blend-labs-llms.txt
- type: Lifecycle
  url: lifecycle/blend-labs-lifecycle.yml
- type: Webhooks
  url: asyncapi/blend-labs-events-webhooks.yml
- type: Sandbox
  url: sandbox/blend-labs-sandbox.yml
- type: WellKnown
  url: well-known/blend-labs-well-known.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence