Introducing Blend Autopilot

Date Available: Beta 3/3/26, Prod 3/3/26

Which customers are impacted?: Mortgage and home equity customers.  The option to enable Blend Autopilot will be available in client environments (Beta and Prod) via the Admin Panel starting 3/3/26. No customer will have the feature turned on by default, activation is entirely self-serve and requires a lender administrator to accept the Feature Activation Terms and toggle the feature on.

Required?: No, opt-in. Lenders choose if and when to enable Blend Autopilot. It can be turned on or off at any time.

How to turn on: This feature will not be automatically enabled for any customer. Starting 3/3/26, lender administrators can enable Blend Autopilot directly from the Admin Panel:

1. Navigate to the AI Features section of the Admin Panel

2. Review and accept the Feature Activation Terms (click-through under existing MSA)

3. Configure preferences:

• Which loan officers have AI-assisted processing (all LOs, or a specific subset for a pilot)
• Follow-up creation mode: Automatic, Review-before-send, or Off
• Application data update mode: Automatic, Review-before-send, or Off
• Guideline mode per product type: Fannie Mae, Overlay, or Custom

4. Toggle on

No Blend support ticket or engineering involvement is required. The feature can be turned off at any time from the same Admin Panel, and takes effect within 5 minutes.  This feature will be available as a Preview, free to activate and use during the preview period. We encourage you to explore it and share your feedback as we work toward general availability.

Purpose of Update and Benefit: Blend Autopilot is an AI-powered assistant that reviews borrower documents and application data in real time, typically within 15 seconds. It checks compliance against configured guidelines, generates native follow-ups, and updates application fields while the borrower is still in their session.

Key capabilities:

• Real-time document review (all document types - W-2s, pay stubs, bank statements, tax returns, etc) in 15-25 seconds

• Compliance checking against Fannie Mae Selling Guide, lender overlays, or fully custom guidelines

• Intelligent native workflow triggering for 88+ follow-up types (LOEs, document collection, declarations, etc.)

  • Contextual intelligence reduces unnecessary follow-ups by up to 50% compared to rules engines

• Automatic application data field updates from extracted document data

• Borrower-facing review status so borrowers see real-time progress

• Loan officer activity feed showing what the AI reviewed, what it found, and what actions it took, with citations to specific guideline sections

• Full audit trail with every AI action flagged as AI-generated for compliance review

• Kill switch: disable from the Admin Panel at any time, takes effect within 5 minutes

Data and compliance:

• Non-decisioning: Autopilot does not make credit decisions, all output is reviewed by a human loan officer

• No model training: Borrower data is never used to train or improve AI models, contractually guaranteed

• Data residency: All data stays within Blend (AWS US) and Google Cloud (US regions) only, ephemeral processing, zero retention by Google

• Audit trail: 7-year retention capability for terms acceptance and AI activity logs

Current Behavior: Document and application reviews occur in batches, typically the next business day. Loan officers manually review documents, check guidelines, create follow-ups, and update application fields. Borrowers wait hours or days to learn what additional documentation they need, delaying the loan process and increasing fallout risk.

New Behavior: With Blend Autopilot enabled, the AI automatically reviews borrower uploads, section completions, follow-up responses, and DU submissions in real time. It parses documents, checks compliance against the lender's configured guidelines, creates borrower-actionable native workflows, and updates application data - all within seconds of the borrower's action. Borrowers see a real-time review status indicator and receive follow-ups while still in their session. Loan officers see an activity feed with citations to specific guideline sections. The feature is entirely self-serve: lenders accept a click-through Feature Activation Terms addendum (under existing MSA), configure their preferences, and toggle on. It can be toggled off at any time.

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