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 API contracts indexed 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.
The Blend catalog on APIs.io includes 1 Spectral governance ruleset.
Blend’s developer surface includes authentication, documentation, API reference, signup flow, engineering blog, and 9 more developer resources.
What this lets a business do 1
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| Consumer Lending Licensing (UK, US, Canada credit licence registers) | distribution | 9.6 (thin) | - | - |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Standards implemented 1
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
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 11
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Blend Public Borrowers & Parties API
OPEN COLLECTIONBlend Public Borrowers & Parties Closings & eSignature API
OPEN COLLECTIONBlend Public Borrowers & Parties Documents & Disclosures API
OPEN COLLECTIONBlend Public Borrowers & Parties Events & Webhooks API
OPEN COLLECTIONBlend Public Borrowers & Parties Follow-ups API
OPEN COLLECTIONBlend Public Borrowers & Parties Lenders & Assignments API
OPEN COLLECTIONBlend Public Borrowers & Parties Products & Pricing API
OPEN COLLECTIONBlend Public Borrowers & Parties Reporting API
OPEN COLLECTIONBlend Public API
OPEN COLLECTIONScroll for all 11
Blend API pricing
Not yet checked against Blend's own pricing page. Compiled by API Evangelist on 2026-07-04 from blend.com/; confirm before you rely on a figure.
| Plan | Price |
|---|---|
| Partner / Beta Access partner | — |
| Blend Customer (Platform + API) enterprise | — |
| Enterprise / Custom enterprise | — |
Plan details, limits and sources →
Rate limits
- Public API Requests: not published requests
- Unauthenticated Requests: rate-limited requests
- Token Scope: short-lived per-request JWT tokens
Compiled by API Evangelist, not yet checked against Blend's documentation. Rate-limit details →
Pricing Plans 1
Published pricing tiers and plan structures.
Blend Plans Pricing
PLANSRate Limits 1
Documented rate limits and quota policies.
Blend Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals for API financial operations.
Blend Finops
FINOPSSpectral Rules 1
Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.
Blend API Rules
SPECTRALSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access (API Evangelist recommendations) 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 1
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
Other 1
Properties that don't map to a standard resource type
Source (apis.yml)
Blend API — frequently asked questions
Does Blend have an API?
Yes. APIs.io lists 10 APIs from Blend, including Blend Borrowers & Parties API, Blend Closings & eSignature API and Blend Consumer Lending & Deposit API, and 7 more.
Is there an OpenAPI specification for the Blend API?
Yes. APIs.io indexes 10 OpenAPI specifications for Blend, each linked for download from this page.
How do I authenticate with the Blend API?
Blend uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Blend Authentication.
How much does the Blend API cost?
APIs.io lists 3 pricing plans for Blend, with each plan's price, limits and inclusions under Pricing on this page.
Is the Blend API ready for AI agents?
Blend has a Kin Score of 27.8 out of 100 (thin) and an Agent Readiness score of 19.0 (agent-aware), scored by API Evangelist on 2026-11-13.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.