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 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

35.1/100 thin ▬ flat Agent 20/100 agent aware Full breakdown ↓
scored 2026-08-24 · rubric v0.13.0

AccessEnterpriseSelf serve

10 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-08-24 · rubric v0.13.0

Composite quality — 35.1/100 · thin

Contract Quality 11.2 / 21

Developer Ergonomics 3.0 / 17

Access Clarity 7.8 / 17

Operational Transparency 3.5 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 2.3 / 15

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

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.

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/.

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-mortgage: 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 10

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

Open Collections 12

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

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.

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

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.
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: 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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