Blend

Blend (Blend Labs) is a cloud digital-lending and account-opening platform for banks, credit unions, and mortgage lenders. Its Builder platform powers consumer-facing origination for mortgage (home lending), consumer lending (home equity, personal loans, credit cards, auto), and deposit account opening. The Blend Public API is a documented REST surface (developers.blend.com) that lets lenders and their technology partners create and manage lending applications, borrowers/parties, documents and disclosures, pricing, closings and eSignature packages, follow-ups (tasks), assignments, and webhook event notifications, and to export industry-standard loan files (Fannie Mae 3.2, MISMO 3.3.1/3.4) into a loan origination system (LOS). API access is credential-gated - tokens are issued to Blend customers and certified integration partners rather than through open self-service signup.

Blend publishes 10 APIs on the APIs.io network, including Borrowers & Parties API, Closings & eSignature API, Consumer Lending & Deposit API, and 7 more. Tagged areas include Digital Lending, Mortgage, Consumer Lending, Account Opening, and Fintech.

Blend’s developer surface includes authentication, documentation, API reference, signup flow, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

34.1/100 thin ▬ flat Agent 20/100 agent aware saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

AccessEnterpriseSelf serve

1 APIs

Digital Lending Mortgage Consumer Lending Account Opening Fintech Loan Origination Banking Financial-Services

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 34.1/100 · thin

Contract Quality 9.9 / 19

Developer Ergonomics 2.9 / 15

Access Clarity 6.9 / 15

Operational Transparency 3.1 / 10

Contract Governance 0.0 / 9

Discoverability 5.1 / 8

Regulatory Posture 2.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 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 7 / 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 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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 github.com/api-evangelist/blend-mortgage: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 10

Individual APIs this provider publishes, each with its own machine-readable definition.

Blend Borrowers & Parties API

Borrowers, coborrowers, realtors, employers, incomes, and positions.

Blend Closings & eSignature API

Closings, packages, eNotes, and RON sessions.

Blend Consumer Lending & Deposit API

Consumer lending, account opening, and deposit account applications.

Blend Documents & Disclosures API

Documents, disclosures, tax transcripts, and loan file export.

Blend Events & Webhooks API

Event notifications and event status.

Blend Follow-ups API

Borrower tasks and conditions.

Blend Home Lending Applications API

Create and manage mortgage (home lending) applications.

Blend Lenders & Assignments API

Lender users and application assignments.

Blend Products & Pricing API

Apply a priced product to a loan.

Blend Reporting API

Reporting and analytics datasets.

Scroll for all 10

Open Collections 12

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Blend Public Borrowers & Parties API

OPEN COLLECTION

Blend Public Borrowers & Parties Closings & eSignature API

OPEN COLLECTION

Blend Public Borrowers & Parties Consumer Lending & Deposit API

OPEN COLLECTION

Blend Public Borrowers & Parties Documents & Disclosures API

OPEN COLLECTION

Blend Public Borrowers & Parties Events & Webhooks API

OPEN COLLECTION

Blend Public Borrowers & Parties Follow-ups API

OPEN COLLECTION

Blend Public Borrowers & Parties Home Lending Applications API

OPEN COLLECTION

Blend Public Borrowers & Parties Lenders & Assignments API

OPEN COLLECTION

Blend Public Borrowers & Parties Products & Pricing API

OPEN COLLECTION

Blend Public Borrowers & Parties Reporting API

OPEN COLLECTION

Blend Public API

OPEN COLLECTION

Scroll for all 12

Pricing Plans 1

Published pricing tiers and plan structures.

Blend Mortgage Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Blend Mortgage Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Blend Mortgage Finops

FINOPS

Security Posture 2

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

Blend Mortgage Authentication

http · 1 scheme

SECURITY

Blend Mortgage Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Blend Mortgage Agentic Access

52 operations · 25 acting · 1 human-in-the-loop

52 operations · 25 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: blend-mortgage
url: https://raw.githubusercontent.com/api-evangelist/blend-mortgage/refs/heads/main/apis.yml
name: Blend
kind: company
description: Blend (Blend Labs) is a cloud digital-lending and account-opening platform for banks, credit unions, and mortgage
  lenders. Its Builder platform powers consumer-facing origination for mortgage (home lending), consumer lending (home equity,
  personal loans, credit cards, auto), and deposit account opening. The Blend Public API is a documented REST surface (developers.blend.com)
  that lets lenders and their technology partners create and manage lending applications, borrowers/parties, documents and
  disclosures, pricing, closings and eSignature packages, follow-ups (tasks), assignments, and webhook event notifications,
  and to export industry-standard loan files (Fannie Mae 3.2, MISMO 3.3.1/3.4) into a loan origination system (LOS). API access
  is credential-gated - tokens are issued to Blend customers and certified integration partners rather than through open self-service
  signup.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/blend-mortgage.png
tags:
- Digital Lending
- Mortgage
- Consumer Lending
- Account Opening
- Fintech
- Loan Origination
- Banking
- Financial-Services
tags_raw:
- Digital Lending
- Mortgage
- Consumer Lending
- Account Opening
- FinTech
- Loan Origination
- Banking
- Financial Services
created: '2026-07-04'
modified: '2026-07-04'
specificationVersion: '0.23'
apis:
- aid: blend-mortgage:blend-mortgage-borrowers-parties-api
  name: Blend Borrowers & Parties API
  description: Borrowers, coborrowers, realtors, employers, incomes, and positions.
  humanURL: https://developers.blend.com/blend/docs/create-a-new-home-loan
  baseURL: https://api.blendlabs.com
  tags:
  - Borrowers & Parties
  properties:
  - type: OpenAPI
    url: openapi/blend-mortgage-borrowers-parties-api-openapi.yml
  - type: Documentation
    url: https://developers.blend.com/blend/docs/create-a-new-home-loan
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: PostmanCollection
    url: collections/blend-mortgage.postman_collection.json
  - type: OpenCollection
    url: collections/blend-mortgage.opencollection.json
  - type: Documentation
    url: https://developers.blend.com/blend/docs/export-a-home-loan
  - type: Documentation
    url: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
- aid: blend-mortgage:blend-mortgage-closings-esignature-api
  name: Blend Closings & eSignature API
  description: Closings, packages, eNotes, and RON sessions.
  humanURL: https://developers.blend.com/blend/docs/create-a-new-home-loan
  baseURL: https://api.blendlabs.com
  tags:
  - Closings & eSignature
  properties:
  - type: OpenAPI
    url: openapi/blend-mortgage-closings-esignature-api-openapi.yml
  - type: Documentation
    url: https://developers.blend.com/blend/docs/create-a-new-home-loan
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: PostmanCollection
    url: collections/blend-mortgage.postman_collection.json
  - type: OpenCollection
    url: collections/blend-mortgage.opencollection.json
  - type: Documentation
    url: https://developers.blend.com/blend/docs/export-a-home-loan
  - type: Documentation
    url: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
- aid: blend-mortgage:blend-mortgage-consumer-lending-deposit-api
  name: Blend Consumer Lending & Deposit API
  description: Consumer lending, account opening, and deposit account applications.
  humanURL: https://developers.blend.com/blend/docs/create-a-new-home-loan
  baseURL: https://api.blendlabs.com
  tags:
  - Consumer Lending & Deposit
  properties:
  - type: OpenAPI
    url: openapi/blend-mortgage-consumer-lending-deposit-api-openapi.yml
  - type: Documentation
    url: https://developers.blend.com/blend/docs/create-a-new-home-loan
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: PostmanCollection
    url: collections/blend-mortgage.postman_collection.json
  - type: OpenCollection
    url: collections/blend-mortgage.opencollection.json
  - type: Documentation
    url: https://developers.blend.com/blend/docs/export-a-home-loan
  - type: Documentation
    url: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
- aid: blend-mortgage:blend-mortgage-documents-disclosures-api
  name: Blend Documents & Disclosures API
  description: Documents, disclosures, tax transcripts, and loan file export.
  humanURL: https://developers.blend.com/blend/docs/create-a-new-home-loan
  baseURL: https://api.blendlabs.com
  tags:
  - Documents & Disclosures
  properties:
  - type: OpenAPI
    url: openapi/blend-mortgage-documents-disclosures-api-openapi.yml
  - type: Documentation
    url: https://developers.blend.com/blend/docs/create-a-new-home-loan
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: PostmanCollection
    url: collections/blend-mortgage.postman_collection.json
  - type: OpenCollection
    url: collections/blend-mortgage.opencollection.json
  - type: Documentation
    url: https://developers.blend.com/blend/docs/export-a-home-loan
  - type: Documentation
    url: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
- aid: blend-mortgage:blend-mortgage-events-webhooks-api
  name: Blend Events & Webhooks API
  description: Event notifications and event status.
  humanURL: https://developers.blend.com/blend/docs/create-a-new-home-loan
  baseURL: https://api.blendlabs.com
  tags:
  - Events & Webhooks
  properties:
  - type: OpenAPI
    url: openapi/blend-mortgage-events-webhooks-api-openapi.yml
  - type: Documentation
    url: https://developers.blend.com/blend/docs/create-a-new-home-loan
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: PostmanCollection
    url: collections/blend-mortgage.postman_collection.json
  - type: OpenCollection
    url: collections/blend-mortgage.opencollection.json
  - type: Documentation
    url: https://developers.blend.com/blend/docs/export-a-home-loan
  - type: Documentation
    url: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
- aid: blend-mortgage:blend-mortgage-follow-ups-api
  name: Blend Follow-ups API
  description: Borrower tasks and conditions.
  humanURL: https://developers.blend.com/blend/docs/create-a-new-home-loan
  baseURL: https://api.blendlabs.com
  tags:
  - Follow-ups
  properties:
  - type: OpenAPI
    url: openapi/blend-mortgage-follow-ups-api-openapi.yml
  - type: Documentation
    url: https://developers.blend.com/blend/docs/create-a-new-home-loan
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: PostmanCollection
    url: collections/blend-mortgage.postman_collection.json
  - type: OpenCollection
    url: collections/blend-mortgage.opencollection.json
  - type: Documentation
    url: https://developers.blend.com/blend/docs/export-a-home-loan
  - type: Documentation
    url: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
- aid: blend-mortgage:blend-mortgage-home-lending-applications-api
  name: Blend Home Lending Applications API
  description: Create and manage mortgage (home lending) applications.
  humanURL: https://developers.blend.com/blend/docs/create-a-new-home-loan
  baseURL: https://api.blendlabs.com
  tags:
  - Home Lending Applications
  properties:
  - type: OpenAPI
    url: openapi/blend-mortgage-home-lending-applications-api-openapi.yml
  - type: Documentation
    url: https://developers.blend.com/blend/docs/create-a-new-home-loan
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: PostmanCollection
    url: collections/blend-mortgage.postman_collection.json
  - type: OpenCollection
    url: collections/blend-mortgage.opencollection.json
  - type: Documentation
    url: https://developers.blend.com/blend/docs/export-a-home-loan
  - type: Documentation
    url: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
- aid: blend-mortgage:blend-mortgage-lenders-assignments-api
  name: Blend Lenders & Assignments API
  description: Lender users and application assignments.
  humanURL: https://developers.blend.com/blend/docs/create-a-new-home-loan
  baseURL: https://api.blendlabs.com
  tags:
  - Lenders & Assignments
  properties:
  - type: OpenAPI
    url: openapi/blend-mortgage-lenders-assignments-api-openapi.yml
  - type: Documentation
    url: https://developers.blend.com/blend/docs/create-a-new-home-loan
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: PostmanCollection
    url: collections/blend-mortgage.postman_collection.json
  - type: OpenCollection
    url: collections/blend-mortgage.opencollection.json
  - type: Documentation
    url: https://developers.blend.com/blend/docs/export-a-home-loan
  - type: Documentation
    url: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
- aid: blend-mortgage:blend-mortgage-products-pricing-api
  name: Blend Products & Pricing API
  description: Apply a priced product to a loan.
  humanURL: https://developers.blend.com/blend/docs/create-a-new-home-loan
  baseURL: https://api.blendlabs.com
  tags:
  - Products & Pricing
  properties:
  - type: OpenAPI
    url: openapi/blend-mortgage-products-pricing-api-openapi.yml
  - type: Documentation
    url: https://developers.blend.com/blend/docs/create-a-new-home-loan
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: PostmanCollection
    url: collections/blend-mortgage.postman_collection.json
  - type: OpenCollection
    url: collections/blend-mortgage.opencollection.json
  - type: Documentation
    url: https://developers.blend.com/blend/docs/export-a-home-loan
  - type: Documentation
    url: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
- aid: blend-mortgage:blend-mortgage-reporting-api
  name: Blend Reporting API
  description: Reporting and analytics datasets.
  humanURL: https://developers.blend.com/blend/docs/create-a-new-home-loan
  baseURL: https://api.blendlabs.com
  tags:
  - Reporting
  properties:
  - type: OpenAPI
    url: openapi/blend-mortgage-reporting-api-openapi.yml
  - type: Documentation
    url: https://developers.blend.com/blend/docs/create-a-new-home-loan
  - type: APIReference
    url: https://developers.blend.com/blend/reference
  - type: PostmanCollection
    url: collections/blend-mortgage.postman_collection.json
  - type: OpenCollection
    url: collections/blend-mortgage.opencollection.json
  - type: Documentation
    url: https://developers.blend.com/blend/docs/export-a-home-loan
  - type: Documentation
    url: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
common:
- type: CapabilityMap
  url: capabilities/blend-mortgage-capability-edges.yml
  name: Blend Business Capability Map
- type: AgenticAccess
  url: agentic-access/blend-mortgage-agentic-access.yml
- type: DomainSecurity
  url: security/blend-mortgage-domain-security.yml
- type: Authentication
  url: authentication/blend-mortgage-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/blendlabs-inc-
- type: Website
  url: https://blend.com
- type: Documentation
  url: https://developers.blend.com/blend
- type: APIReference
  url: https://developers.blend.com/blend/reference
- type: SignUp
  url: https://developers.blend.com/blend/docs/blend-api-quick-start-guide
- type: Blog
  url: https://blend.com/blog
- type: Plans
  url: plans/blend-mortgage-plans-pricing.yml
- type: RateLimits
  url: rate-limits/blend-mortgage-rate-limits.yml
- type: FinOps
  url: finops/blend-mortgage-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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