User roles and permissions – Blend Help Center

A role is a collection of permission levels that can be applied to a given user. Multiple permissions can be given to each role and users can have multiple roles as well.

Note: There is no limit to the number of roles that a user can be assigned.

Specific permissions

Permission Name

Action it impacts

Process impacted

Examples

Create

Create
Loans

Will not see New Loan button unless this is set to Always.
The only options are Always or Never.
If a user has Create Loans but does not have View Loans, they'll be able to successfully create a loan. But they will not be able to see it after that.

All

Anyone who needs to originate loans in Blend needs this permission. If they can create loans, they should also be permitted to view loans.

Create
Processes

This permission no longer has impact and will be deprecated shortly.

Create
Documents

View Documents (and View Loans) has to be enabled for this permission.
Allows user to upload documents in Docs tab. If a user can View Documents, the Docs tab will appear to them; if they can also Create Documents, the Upload File button will be visible to them.
If they can View Documents, but can't Create Documents, the Docs tab will be visible, but there will be no option to Upload File within it.

N/A

LOs or LOAs who receive documents from a borrower outside of Blend and want to upload it into the Blend loan will need this permission.

Create
Users

View Users needs to be enabled for this permission.
If a user can View Users, Admin will appear in the drop-down when they click on their initials in the pipeline and they'll be taken to User Management upon clicking it; if they can also Create Users, the New User button will appear within User Management.
If they can View Users, but can't Create Users, the User Management interface will be visible, but there will be no button that says New User within it.

N/A

User administrators who create accounts will need this permission along with View Users.

Create
Disclosures

This needs to be enabled along with Create Documents, View Disclosures, and Bulk download loan documents in order for a user to utilize the Blend - Encompass disclosures functionality.

Disclosures

Any user at a client that has Disclosures enabled and needs to use the Blend - Encompass disclosures integration needs this permission.

Create
Restricted
Mortgage
Invite

It exposes the ability for a lender user to invite a borrower to a loan and then exposes a simple pipeline of those loans to them.

N/A

A customer wants to allow their branch bankers to refer borrowers for mortgages, but not see their data or work on the loan in any way.

View

View
Loans

Can view all loans in the pipeline.
Users with this Role permission will be able to see all loans in the Pipeline.
The other options are view loans that are Assigned to You or when you are assigned to a process - these options only become relevant if the user also has Can be assigned to a loan or is Assigned to Processes.
User will be able co-pilot the loan.
User cannot make any changes to a loan application. All fields are greyed out.

N/A

Anyone who needs to view loans will need this permission turned on. To further narrow it down, this permission can be turned on depending on if the user can view all loans or when assigned to a process via this role or when assigned to a specific loan.

Export
Loans

The user must also have View Loans permissions turned on.
The user will then be able to export any loans the user has access to in the Pipeline that has not been exported and has the minimum required information (name, email and SSN).

N/A

Depending on business function, LOs are generally allowed to export loans they are assigned to.

Bulk
Download
Loan
Documents

The user must have View Loans and View Documents turned on.
The user will then be able to see the Documents tab and be able to download the application package and individual documents from the listed documents.

N/A

The ability to download documents may be restricted to those who need access to download files, such as LOs, LOAs, Loan Processors, Managers, etc.

View
Processes
on Loans

The user must have View Loans turned on also. The user will then be able to view the existing processes for each loan in the overview tab.
If it is turned off, the user will see There are no processes for this loan.

User can view any processes they have permissions for

This process may be useful for LOs, LOAs, managers and admin.

View
Activity
History

The user must have View Loans turned on also.
The user will then be able to view the activity tab.
If this is turned off, the borrower will see the Activity tab but it will say no activities found.

N/A

Activity can be useful to LOs to confirm activity by the borrower and can also be good for tracking for Admin.

View
Documents

The user must have 'View Loans' turned on as well.
The user will then be able to view the list of documents and have the ability to download individual documents in the Docs tab.

N/A

Viewing documents can be useful for LOs, LOAs and admin that may need to confirm if documents were submitted.

View
Users

The user will have the Admin option in the drop-down menu, where they will then see User Management and view the list of all users.

N/A

Typically an Admin Role in order to see what Roles users have.

View
Roles

The user must have 'View Users' turned on.
The user will then have Admin access and see the Users and Roles tab

N/A

For User Admin type that need to view what Roles users have and what permissions that includes.

View
Disclosures

The user will need to have 'View Loans' and 'View Documents' turned on.
The user can then view disclosures in the Docs tab.

N/A

Depending on the business function, the ability to view disclosures will be limited to the LO that is assigned to this loan app and for User Admin that may also need to be able to view.

Assign

Assign
Users to
Loans

If this permission is set to NEVER, the user cannot assign other users to a loan. 'Not Authorized' will appear in the Loan Team modal.

Potentially for User Admins or Sys Admins who don't need access to loans.

Can be assigned loans

Cannot be assigned a loan. Will not appear in Loan Team drop-down.

All loan related if they don't have access to 'view' all loans

LOs, LOAs, etc. Anyone who needs to be designated and assigned a loan in Blend.

Visible to borrowers

Not visible in the 'help' logo of borrower UI.

N/A

Non-licensed LOs or LOAs, Sys/User Admins who don't need to be seen by borrowers.

Receives notifications about unassigned loans

Receiving notifications about unassigned loans.

N/A

Good for Admins or Loan Assigners. Not necessary for LOs/LOAs.

Assignable by borrowers

Will not appear as a selectable option to borrowers when they're 'working with someone' in borrower happy flow.

N/A

In 'Getting Started' and the 'Are you working with someone?' question, this setting determines if the borrower can choose who they're working with.

Modify

Edit
Processes

Allows user to edit processes in the Process menu.
Edit button not visible if this permission isn't granted.

All processes- users with this permission can only edit processes they're assigned to (non-assigned processes won't show in the menu)

Admin or Sub-Admin roles that can create or edit other roles, with this permission can control which processes they add to loans.

Add
Processes
to loans

Allows user to add processes to loans they're assigned to
Requires the role to have both View Loans and View Processes on loans in order to be utilized.
User can only add processes they're assigned to in the Process menu

N/A

Important for any LO / loan-affecting role, allows for customization / addition to loans in progress (Most notable is probably "Send Email Invitation" process)

Remove
Processes
from loans

Allows users to remove processes in loans they're assigned to.
Similar to above, must have View Loans and View processes on loans enabled for their role.
User can only remove processes they're assigned to

N/A

Can remove extra / unnecessary follow-ups processes if already collected

Work on
loans

Allows users to edit applications via the application page when the role the permission is assigned to is present on the application

Editing via Application Page

Can be useful for Disclosures Desk roles or Loan Officer Assistant roles to edit applications currently in a in-process loan state

Edit
Pipeline

Allows users to edit their pipeline view to include / exclude filter columns

Pipeline filter sorting

Administrators can filter their pipeline view (especially if they have View Loans set to Always) to see all loans under all LOs that have triggered TRID, filter by branch location, etc.

Edit
Users

Allows users to edit user profiles in the Admin > Users tab.
Requires View Users permission

N/A

User admins able to edit contact information, profile picture, etc.

Edit
Roles

Allows users to edit role permissions in the Admin > Roles tab.
Requires View Roles permission

N/A

User admins responsible for uploading / adjusting new user roles and permissions.

Edits
System
Config

Allows users to view the Configuration, Followups, Document Templates, Application Templates, and Milestones tabs in the Admin window.
For non-Blend users, this permits them to see the Configuration tab, but only the Integrations section within it.

N/A

Typically isn't given to Lender-side users and kept only for Blend users, but can be granted in special circumstances.

Edit authorized applications

Allows users to edit Integrations tab in Admin > Configuration > Integrations.
Can toggle export file version (MISMO / FNMA), and export status disabling (automatically sets status to “success” when LOS primary key is set).

Loan Export

User admins or lender IT team in case of integration changes, or Blend / LOS connectivity updates.

Edit
Profile
Settings

Allows users to edit own profile settings.

N/A

User admins can grant if LOs (and other roles) are trusted to update their own details associated with their profile. User avatar, NMLS ID, contact phone number, etc.

Delete

Delete
Loans

This must be enabled along with View Loans.

If View Loans is set to Always and Delete Loans is set to When Assigned, can still delete all loans.
If Delete Loans set to Always, can always delete.
If Delete Loans set to Never, cannot delete.

N/A

While we don't make a practice of deleting loans, some roles with Super permissions will need to do so in special use cases, e.g. a LO signed up as a borrower and can now not create their lender account

Delete documents

This must be enabled along with View Documents - set to Always or When assigned to specific loan

When assigned to a specific loan - can delete documents on loans assigned to me
When assigned to a process via this loan - same as When assigned to loan
Always - can delete whether assigned to the loan or not, as long as I have permission to view the loan

Occasionally borrowers will upload the incorrect documents or documents that they are no longer comfortable sharing - if this permission is enabled, LOs can delete those documents in the lender view.

Delete users

View Users and Edit Users must be set to Always

Delete users set to Never - can edit, not delete
Delete users set to Always - can edit and delete

Users that are terminated or leave their organization will need their Blend accounts deleted so that they no longer have access to borrower PII. User Admins will typically have this permission enabled, or will reach out to us to delete users.

Delete roles

View Users and View Roles must be set to Always for this functionality to work

Delete Roles set to never - cannot delete roles
Delete Roles set to always - can delete roles

Loan Teams

Auto assign loans to loan team

Set to Never - will automatically only assign new loans to loan originator. If Loan Originator reassigns the loan to themselves, it is automatically assigned to their whole team
Set to Always - will automatically assign new loans to the originator's entire loan team

LOs with Loan Officer Assistants or other LOs on their team will often need their loans automatically assigned to the rest of their team. If this permission is enabled their new loans will be automatically assigned to their team as well.

Pricing

View pricing

If View Pricing set to Always and View check rates set to Never:

can view products, but cannot view rate/payment
In order to View check rates, View Pricing must be set to always
If both View pricing and View check rates are set to Always, users can select product and check rates

Product and pricing is the industry term for quoting loan rates and fees. Loan officers can select a product for a loan application using their company's pricing engine. The loan officer specifies product search criteria, reviews available loan options, and marks the chosen option in Blend. Selecting product in Blend enables loan officers to do more of their work in one, user-friendly point of sale system. Additionally, if the lender has Check Rates enabled, after selecting a product they can view rates and payment amount.

Credit

If pricing/check rates is turned off, users can pull credit in the loan structuring toolbar, but cannot run DU, select product or check rates.
If pricing/check rates is turned on, users can pull credit, select a product and check rates.
Generate Credit Billing Report permission currently changes nothing whether set to Never or Always.

If a lending organization's credit credentials are configured in Blend, users with Credit Pull permissions enabled can pull credit for borrowers in Blend

Lender entered mortgage application

If enter apps on behalf of borrower is set to Never:

Can still select “Fill out on behalf of borrower and request follow ups”
Will have the ability to enter borrower information in the Application page as long as they have not sent email invite to borrower
Can still select fill out on behalf of borrower even if permission set to never. Basically this permission does nothing.

If enter apps on behalf of borrower set to Always

Can still select “Fill out on behalf of borrower and request follow ups”

Changes nothing. Enter apps on behalf of borrower is part of core functionality.

If modify apps post LOS export is set to Never, the user cannot edit applications post export. They will see the notification below.
If modify apps post LOS export is set to Always, users can edit post export - they will see a notification that any edits will not be reflected in their LOS

Lender mobile

If Use Lender Mobile App is set to Always:

Allows those with this permission to log into Blend Mobile
LOs will still be able to download the app as long as they have a link, but will not be able to log in without this permission. Pretty straightforward.

Automated underwriting

If Run DU is Set to Always and Credit and Pricing set to Never, users can see DTI and can manually add loan details and liabilities, cannot pull liabilities in by pulling credit.

If Pull Credit is set to Always/Run DU set to Always/View Pricing and View Check rates set to Never

Can pull credit and run DU, and edit liabilities
Cannot select Product or Check Rates

If Pull Credit set to Always/Run DU set to Always/ View Pricing and View Check Rates set to Always

Can pull credit
Can run DU
Can select product and check rates

Note: As above, View Pricing must be ON in order to View Check Rates.

If Run DU set to Always/Send pre-approval letter set to Always

Can run DU, can send pre-approval
Cannot generate pre-approval letter without Run DU set to Always

Compliance

Download pipeline report set to Never

Cannot download pipeline report

Download pipeline report set to Always

Can download here:

Cancel disclosures packages

Notes:

Disclosures packages are canceled in Encompass, not in Blend.
This permission MUST be set to Always in order for LOs to issue disclosures in their LOS.

Specific permissions

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