Initiate a consumer loan application via the Blend Lending Platform API
domain: developers.blend.com · 6 steps · contributed by waymark-seed
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Steps
Register for developer access at developers.blend.com and obtain OAuth 2.0 client credentials for the sandbox environment
Exchange credentials for a bearer token at the Blend OAuth token endpoint using client-credentials grant
Create a new loan application by calling the Blend application creation endpoint with the loan product type (e.g., personal loan, auto, HELOC), borrower details, and requested amount
Use the returned application ID to attach supporting data — co-borrower information, income data, and asset data — via the Blend application update endpoints
Trigger the disclosure delivery step through the Blend API to send TRID/RESPA disclosures where required for mortgage products
Listen for Blend webhook events to track application status transitions (submitted, decision-ready, approved, conditions-outstanding)
Known gotchas
Blend's API capabilities differ by product line (consumer lending vs. mortgage vs. deposit account opening) — confirm which API surface covers your use case before building
Disclosure delivery for mortgage applications (LE, CD) is regulated by TRID; the Blend API handles delivery mechanics but your team remains responsible for timing compliance and document accuracy
Blend offers both a self-serve open API and managed integrations for core banking / LOS systems; the two paths have different onboarding requirements and latency profiles
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