# Blend Labs

**Canonical:** https://apis.io/providers/blend-labs/  
**Website:** https://blend.com/  
**APIs profiled:** 1

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).

## Kin Score — 38.0 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 38.0).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 42.7 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 43.4 |
| Developer Ergonomics | 42.9 |
| Commercial Clarity | 23.7 |
| Access Clarity | 23.7 |

Regulatory layer — **Banking & Open Finance**: 21.5 (matched via tags).

## Agent readiness — 22.7 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| 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 | no |
| Agentic Commerce | no |

## Access

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

## APIs (1)

- **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 (1)

- **Blend Labs MCP Server**

## Security (2)

- **Blend Labs Authentication** — oauth2/http-bearer/http-basic · 3 schemes
- **Blend Labs Domain Security** — TLSv1.2 · HSTS · DMARC

## Tags

Company, Financial-Services, Mortgage, Lending, Banking, Digital Banking, Fintech, Account Opening, Mortgage Technology, Consumer Lending, Deposit Accounts, Verification, eClosing

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