Disclosure Package Limits: Per-Loan Cap Improvements

Date Available: Beta 9/11, Prod 9/16

Which customers are impacted?: Lenders who want to adjust their limits.

Required?: No, opt-in.

How to turn on: The limits are already active for all tenants at the defaults listed below. If you'd like to adjust your limits, please email support@blend.com.

Purpose of Update and Benefit: To protect disclosure and email delivery reliability, Blend has per-loan limits on disclosure package creation active for all tenants. This release gives lenders the ability to configure those limits to fit their needs. Lenders who do not adjust their settings will continue at the defaults with no change in behavior.

Current Behavior: Two per-loan caps on disclosure package creation are already active for all tenants but are not configurable: a total package cap of 100 and an active document package cap of 25. Lenders cannot increase either limit.

New Behavior: Two limits now apply to disclosure package creation per loan:

1. Total disclosure packages per loan (default: 100). Returns HTTP 400 when exceeded.

2. Active document packages per loan (default: 25). Returns HTTP 409 when exceeded.

Both limits only affect new package creation. Existing loans and existing packages are not impacted. Borrowers will not see any change; if a limit is reached, the error is returned to the API caller (typically a lender's integration or LOS).

If a limit is reached, the recommended first step is to check for duplicate submissions or a looping integration before requesting a cap increase. Limits can be adjusted by contacting Blend Support. The maximum configurable value is 200.

Note for lenders with custom integrations: The following endpoints can now return new error responses in cases that previously succeeded:

POST /api/packages (v7.0.0, v7.1.0, v9.0.0) and legacy POST /api/disclosures:

- Loan at total package cap (default 100): HTTP 400 - 'Loan has reached the maximum of {N} disclosure packages'

- Loan at active document package cap (default 25): HTTP 409 - 'Loan has reached the maximum number of active document packages'

Integrations should be updated to handle HTTP 400 and HTTP 409 responses by stopping and logging the loan ID rather than retrying automatically. Retry loops against a cap can cause delays.

0 Votes