Blend Labs, Inc.
For the period ended Dec 31, 2025. Filed Mar 16, 2026.
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FY2025 · Filed Mar 16, 2026
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Item 15. EXHIBITS
The following documents are filed as a part of this Annual Report on Form 10-K:
(a) Financial Statements
Our Consolidated Financial Statements are listed in the “Index to Consolidated Financial Statements” under Part II, Item 8 of this Annual Report on Form 10-K.
(b) Financial Statement Schedules
All financial statement schedules are omitted because the information called for is not required or is shown either in the consolidated financial statements or in the notes thereto.
(c) Exhibits
The exhibits listed below are filed as part of this Annual Report on Form 10-K, or are incorporated herein by reference, in each case as indicated below.
EXHIBIT INDEX
| Incorporated by Reference | |||||
|---|---|---|---|---|---|
| Exhibit Number | Description | Form | File No. | Exhibit | Filing Date |
| 3.1 | Amended and Restated Certificate of Incorporation of the registrant. | 10-Q | 001-40599 | 3.1 | August 24, 2021 |
| 3.2 | Amended and Restated Bylaws of the registrant. | 10-Q | 001-40599 | 3.2 | August 24, 2021 |
| 3.3 | Certificate of Amendment to Certificate of Designations of the registrant. | 8-K | 001-40599 | 3.1 | June 24, 2024 |
| 3.4 | Amended and Restated Certificate of Designations of the registrant. | 8-K | 001-40599 | 3.2 | June 24, 2024 |
| 4.1 | Form of Class A common stock certificate of the registrant. | S-1/A | 333-257223 | 4.1 | July 6, 2021 |
| 4.2 | Amended and Restated Investors’ Rights Agreement, among the registrant and certain holders of its capital stock, dated as of January 11, 2021. | S-1/A | 333-257223 | 4.2 | July 6, 2021 |
| 4.3 | Warrant to Purchase Class A Common Stock between the registrant, OR Lending LLC, OR Tech Lending LLC, and OR BL LLC., dated as of July 2, 2021. | 10-Q | 001-40599 | 4.4 | August 24, 2021 |
| 4.4 | Description of Capital Stock. | 10-K | 001-40599 | 4.4 | March 31, 2022 |
| 4.5 | Warrant to Purchase Class A Common Stock between the registrant and Haveli Brooks Aggregator, L.P., dated as of April 29, 2024. | 10-Q | 001-40599 | 4.1 | May 8, 2024 |
| 4.6 | Registration Rights Agreement, between the registrant and Haveli Brooks Aggregator, L.P., dated as of April 29, 2024. | 10-Q | 001-40599 | 4.2 | May 8, 2024 |
| 10.1+ | Form of Indemnification Agreement between the registrant and each of its directors and executive officers. | S-1/A | 333-257223 | 10.1 | July 6, 2021 |
| 10.2+ | Blend Labs, Inc. 2021 Equity Incentive Plan and related form agreements. | 10-K | 001-40599 | 10.2 | March 14, 2024 |
| 10.3+ | Blend Labs, Inc. 2012 Stock Plan and related form agreements. | S-1 | 333-257223 | 10.3 | June 21, 2021 |
| 10.4+ | Executive 2020 Bonus Plan. | S-1 | 333-257223 | 10.4 | June 21, 2021 |
| 10.5+ | Executive Incentive Compensation Plan. | S-1 | 333-257223 | 10.5 | June 21, 2021 |
| 10.6+ | Confirmatory Employment Letter between the registrant and Nima Ghamsari, dated as of July 1, 2021. | S-1/A | 333-257223 | 10.8 | July 6, 2021 |
| 10.7+ | Letter Agreement between the registrant and Nima Ghamsari, dated as of August 25, 2023. | 10-Q | 001-40599 | 10.1 | November 7, 2023 |
| 10.8+ | Form of Award Letter. | 10-Q | 001-40599 | 10.3 | November 7, 2023 |
| 10.9+ | Blend Labs, Inc. Stand-Alone Stock Option Agreement between the registrant and Nima Ghamsari, effective as of March 30, 2021, as amended July 5, 2021. | 10-Q | 001-40599 | 10.12 | August 24, 2021 |
| 10.10+ | Form of Exchange Agreement between the registrant and Nima Ghamsari. | S-1/A | 333-257223 | 10.15 | July 6, 2021 |
| 10.11+ | Form of Equity Exchange Agreement between the registrant and Nima Ghamsari. | S-1/A | 333-257223 | 10.16 | July 6, 2021 |
| 10.12+ | Offer Letter between the registrant and Amir Jafari, dated as of January 9, 2023. | 10-K | 001-40599 | 10.2 | March 16, 2023 |
| 10.13+ | Outside Director Compensation Policy, as amended. | 10-Q | 001-40599 | 10.3 | May 8, 2024 |
| 10.14 | Investment Agreement between the registrant and Haveli Brooks Aggregator, L.P., dated as of April 29, 2024. | 10-Q | 001-40599 | 10.4 | May 8, 2024 |
| 10.15+ | Form of Change in Control Severance Agreement. | 10-Q | 001-40599 | 10.1 | November 6, 2024 |
| 10.16+* | Offer Letter between the registrant and Srinivasan Venkatramani, dated as of October 27, 2024. | 10-K | 001-40599 | 10.18 | March 13, 2025 |
| 10.17+* | Form of Severance Letter Agreement. | 10-K | 001-40599 | 10.19 | March 13, 2025 |
| 10.18+ | Offer Letter between the Registrant and Jason Ream, dated August 6, 2025. | 10-Q | 001-40599 | 10.1 | November 6, 2025 |
| 10.19+ | Transition and General Release Agreement, dated October 3, 2025 | 10-Q | 001-40599 | 10.2 | November 6, 2025 |
| 19.1 | Insider Trading Policy. | 10-K | 001-40599 | 19.1 | March 13, 2025 |
| 21.1 | List of subsidiaries of the registrant. | 10-K | 001-40599 | 21.1 | March 13, 2025 |
| 23.1* | Consent of Independent Registered Public Accounting Firm. | ||||
| 24.1* | Power of Attorney (included in signature pages hereto). | ||||
| 31.1* | Certification of Principal Executive Officer pursuant to Exchange Act Rules 13a-14(a) and 15d-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. | ||||
| 31.2* | Certification of Principal Financial Officer pursuant to Exchange Act Rules 13a-14(a) and 15d-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. | ||||
| 32.1† | Certifications of Principal Executive Officer and Principal Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. | ||||
| 97.1 | Compensation Recovery Policy. | 10-K | 001-40599 | 97.1 | March 14, 2024 |
| 101 | The following financial statements from the Company's Annual Report on Form 10-K for the year ended December 31, 2024, formatted in Inline XBRL: (i) Consolidated Balance Sheets, (ii) Consolidated Statements of Operations and Comprehensive Income (Loss), (iii) Consolidated Statements of Redeemable Convertible Preferred Stock and Stockholders’ Equity (Deficit), (iv) Consolidated Statements of Cash Flows, and (v) Notes to Consolidated Financial Statements. |
| 104 | Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101) |
- Filed herewith.
- Indicates management contract or compensatory plan or arrangement.
† The certifications attached as Exhibit 32.1 that accompany this Annual Report on Form 10-K are not deemed filed with the Securities and Exchange Commission and are not to be incorporated by reference into any filing of the Registrant under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, whether made before or after the date of this Annual Report on Form 10-K, irrespective of any general incorporation language contained in such filing.
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