Automatic Loan Officer Signature on OneSpan Disclosure Packages

Date Available: Beta 7/2, Prod 7/2

Which customers are impacted?: Lenders using Blend Sign (OneSpan) as their eSign provider who opt in to the feature.

Required?: No, opt-in.

How to turn on: This will not be automatically enabled for our customers. It will be available beginning on the dates listed above. If you’d like to take advantage of this functionality, please email support@blend.com.

Purpose of Update and Benefit: When a lender issues a disclosure package, the loan officer is currently required to manually complete a lender-side signing task before the package can be finalized. This update automates that step by applying the loan officer's signature at the time of issuance for lenders using Blend Sign (OneSpan), removing a repetitive manual step from the disclosures workflow.

Current Behavior: After a disclosure package is issued, the loan officer receives a "ready to sign" email notification and must manually complete the lender-side signing task. The package cannot be finalized until this manual step is completed.

New Behavior: When a disclosure package is issued, the loan officer's signature is applied automatically via Blend Sign (OneSpan) at the time of issuance. The manual lender-side signing task is no longer required.

The "ready to sign" email notification is suppressed for auto-signed packages. Instead, the loan officer receives one of two new outcome emails:

- A success notification confirming the lender-side disclosures were auto-signed and no action is needed.

- A failure notification if auto-sign did not complete, prompting the loan officer to sign manually.

The signature is applied using the loan officer on record in Encompass. If the loan officer has been updated in Blend but that change has not been made in Encompass, the Encompass record is what determines whose signature is applied. Changes to the loan officer after auto-sign has been applied do not affect already-signed packages.

If the loan officer is not a user in the Blend Lender UI, auto-sign is skipped and the loan officer will need to sign manually.

If automatic signing cannot be completed, the loan officer is notified by email and can sign manually. Disclosure delivery is not interrupted.

This feature does not apply to lenders using DocuSign.

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