Blend Labs
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).
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Blend Labs the way a machine reads it — 5 machine-readable artifacts across 1 API, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Blend Labs scores 39.7/100 (thin), with a separate agent-readiness read of 27/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Blend Labs
Each block below is one kind of artifact we hold for Blend Labs. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 1
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
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
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
blend-labs-mcp.yml
MCP SERVEREvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Blend Labs Events Webhooks
ASYNCAPISecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Blend Labs — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 2
Pagination, idempotency, versioning, errors, and events
Access & Security 1
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 1
Pricing, plans, and the legal terms of use
Company 1
The organization behind the API
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