Blend Product Minute: Intelligent Application Start and Data Pre-fill

The Challenge:

If your application forms are too long or require manual completion, statistics show your customers are likely to abandon the process before they finish. Every extra field adds friction—slowing customers down and increasing the risk of drop-off. Any fillable form that requires the customer to enter data prevents you from delivering on the vision of a truly frictionless, even “application-less,” digital experience.

For existing customers, not using the information they’ve already provided means missing the chance to offer a faster, more personalized journey—often resulting in frustration. On the lender side, these friction points create operational inefficiencies, lost conversion opportunities, and more time spent verifying data in the back office.

The Solution:

Blend’s intelligent application start and data pre-fill features enable lenders to move closer to a “zero drop-off” experience by removing unnecessary friction right from the start.

For your existing customers, logging in with Single Sign-On (SSO) means their previous information is automatically filled in—saving time and effort while creating a more personalized journey. They can confirm and update information, maintaining data integrity on the back end.

For new customers, integrations with tools like Prove enable secure phone verification to pre-fill key details like name, address, and SSN. This step also acts as identity verification: when customers complete Multi-Factor Authentication (MFA) on their phone, it confirms device possession—adding an extra layer of trust and security.

The result? A faster, smoother start to the application process for everyone—without compromising on safety.

Solution Highlights:

• Striving for Zero Drop-off: By minimizing required fields through intelligent pre-fill, Blend helps lenders approach the north star goal of a seamless, near application-less experience.
• Intelligent Customer Recognition: Automatically identifies existing customers via SSO for a faster login and pre-filled application, reducing potential drop-off.
• Leveraged Integrations with Added Security: Seamlessly integrates with services like Prove to securely pre-fill key applicant data and perform Identity Verification (IDV) for new customers through phone-based MFA and device possession.
• Enhanced Conversion: By simplifying the initial steps and building trust through secure verification, lenders can significantly reduce application abandonment rates and improve conversion.

Lenders using Blend’s intelligent application start and data pre-fill capabilities are seeing real results—from higher completion rates and improved customer satisfaction to faster processing times and stronger security. It’s a meaningful step toward a more seamless, efficient, and secure application experience.

Want to learn more? Reach out to your Customer Success Manager or schedule time with our team.

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