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Full detail: Where this data comes from
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 at developers.blend.com (current version v12.0.0) that lets lenders and certified technology partners create and manage lending applications, borrowers/parties, documents and disclosures, pricing, closings and eSignature packages, follow-ups (tasks), lenders and assignments, and webhook event notifications, and export industry-standard loan files (Fannie Mae 3.2, MISMO 3.3.1/3.4) into a loan origination system (LOS).
APIs.json: https://raw.githubusercontent.com/api-evangelist/blend-mortgage/refs/heads/main/apis.yml
Blend's API is documented publicly but access is credential-gated. There is no open, self-service, credit-card signup for API keys. Tokens are issued to:
- Blend customers (banks, credit unions, mortgage lenders) as an entitlement of their platform subscription - contact your Blend account team.
- Certified integration partners (LOS, POS, CRM, verification, title/closing, and AI-agent integrators) - contact Blend partnerships to build and certify against the Public API in a beta/integration environment.
Authentication uses an authorization: BEARER {token} header, plus a blend-api-version header (to pin the API version) and a blend-target-instance header in the form tenant~instance. API Secret Keys (base64-encoded 80-byte secrets) are exchanged for short-lived, request-scoped JWTs at Blend's API Gateway; IP allowlisting and rate limiting are supported.
Blend has also shipped an MCP server exposing the lending platform to AI agents, using least-privilege Lending API credentials and enabled per account in a beta environment.
endpointsModeled: The paths, methods, and resource names in this entry (apis.yml, OpenAPI, and collections) are modeled from Blend's public developer documentation and reference - the developers.blend.com
llms.txtendpoint index, Quick Start Guide, LOS Guide, API auth/security details, and the create/export home-loan guides. Individual request/response field schemas are representative rather than field-complete, because Blend's authoritative machine-readable spec (developers.blend.com/blend/openapi) is behind credentialed access.
- Digital Lending
- Mortgage
- Consumer Lending
- Account Opening
- FinTech
- Loan Origination
- Banking
- Financial Services
- Created: 2026-07-04
- Modified: 2026-07-04
Create, list, retrieve, update, and delete home lending (mortgage) applications. Manage LOS milestones, decisions, intent-to-proceed, underwriting results, activities, and lender takeover. The minimum to create an application is the primary borrower party name and email.
- Human URL: https://developers.blend.com/blend/docs/create-a-new-home-loan
- Base URL:
https://api.blendlabs.com
Manage the parties (borrowers, coborrowers, realtors) on an application - add and update parties, capture eConsent, and attach party employers, other incomes, and borrower positions.
- Human URL: https://developers.blend.com/blend/reference
- Base URL:
https://api.blendlabs.com
Retrieve application and borrower documents, upload documents, read document metadata and export statuses, pull tax transcripts, and export the industry-standard loan application file in Fannie Mae 3.2 or MISMO 3.3.1/3.4 format for import into an LOS.
- Human URL: https://developers.blend.com/blend/docs/export-a-home-loan
- Base URL:
https://api.blendlabs.com
Apply a priced product to a loan application, aligning the selected rate and product to the borrower's chosen loan terms.
- Human URL: https://developers.blend.com/blend/reference
- Base URL:
https://api.blendlabs.com
Create and manage closings and eSignature packages - draft and send pre-closing and closing documents, manage eNotes, schedule Remote Online Notarization (RON) sessions, retrieve RON recordings, and issue signable document packages to borrowers.
- Human URL: https://developers.blend.com/blend/reference
- Base URL:
https://api.blendlabs.com
Create, list, retrieve, update, and remove follow-ups (borrower tasks and conditions) on an application to request documents or actions from borrowers during the origination workflow.
- Human URL: https://developers.blend.com/blend/reference
- Base URL:
https://api.blendlabs.com
Standard webhook event notifications (Application Submitted, Documents Submitted, Consumer Information Updated, Application Information Updated) plus a REST events surface to list events, get event descriptions, and acknowledge event status - used to drive LOS import and downstream automation.
- Human URL: https://developers.blend.com/blend/docs/los-guide-how-to-integrate-with-blend
- Base URL:
https://api.blendlabs.com
Retrieve and update consumer lending applications and their documents, read account-opening applications, and list deposit account applications, products, and fundings for the banking/account-opening side of the Blend platform.
- Human URL: https://developers.blend.com/blend/reference
- Base URL:
https://api.blendlabs.com
Create, list, update, and remove lender users, and assign lender users (primary assignee and assignees) to applications so the right loan officers and processors own each loan.
- Human URL: https://developers.blend.com/blend/reference
- Base URL:
https://api.blendlabs.com
Pull reporting datasets across the platform - loans, borrowers, lender users and metrics, borrower workflows/activities, follow-ups, document metadata, connectivity metrics, and NPS.
- Human URL: https://developers.blend.com/blend/reference
- Base URL:
https://api.blendlabs.com
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- Plans
- Rate Limits
- FinOps
Blend is an enterprise SaaS lending platform. Pricing is not published - deals are negotiated, typically annual, and priced on loan/application volume, product mix (mortgage, consumer lending, deposit account opening, close, verification add-ons), and integration scope. Historically Blend has used per-transaction / per-funded-loan economics in parts of its mortgage business alongside platform subscription fees. The Public API is an entitlement of the customer or partner relationship rather than a separately metered, self-service product. Contact Blend sales or partnerships for current terms.
FN: Kin Lane Email: kin@apievangelist.com