# Blend

**Canonical:** https://apis.io/providers/blend-mortgage/  
**Website:** https://blend.com  
**APIs profiled:** 10

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.

## Kin Score — 35.1 / 100 (thin)

Scored 2026-08-24 under rubric 0.13.0. Trend: flat (-0.4 from 35.5).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 52.7 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 17.9 |
| Commercial Clarity | 46.1 |
| Access Clarity | 46.1 |

Regulatory layer — **Banking & Open Finance**: 15.2 (matched via tags).

## Agent readiness — 19.8 (agent-aware)

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

Enterprise · Self-serve signup — onboarding: self-serve, pricing: enterprise, trial: no (confidence: high).

## APIs (10)

- **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.

## Agentic access (1)

- **Blend Mortgage Agentic Access** — 52 operations · 25 acting · 1 human-in-the-loop

## Security (2)

- **Blend Mortgage Authentication** — http · 1 scheme
- **Blend Mortgage Domain Security** — TLSv1.2 · HSTS · DMARC

## Plans (1)

- **Blend Mortgage Plans Pricing**

## Tags

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

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