Roles control the level of access for a user in Blend. Roles can include multiple permissions and multiple roles can be assigned to a user to stack access levels.
Note: Blend Support does not manage user roles and permissions. For any changes to your role and permission, contact your Blend administrator at your organization.
Creating a role and assigning permissions
- Go to Your settings.
- Click Setup.
- Select Role Permissions.
- Edit a role or create a new role.
a. To edit an existing role, select it from the drop-down field.
b. To create a new role, click Add New Role and name it.
- Choose the desired access. Select Always to allow this functionality within the role or Never to restrict it.
- Click Save.
Assigning roles to users
- Go to Your settings.
- Click Setup.
- Click Users.
- Select the user.
- Click Edit.
- Select the role from the drop-down list. You can select multiple roles per user.
- Click Update user to apply changes.
Role permissions list
| Permission | Behavior | Process Impact | Examples |
Create | |||
| Create Loans | Required to view the New Loan button. If Create Loans is set to Always and View Loans is set to Never, users can still create loans but will not be able to see them. | Loan origination | Users who originate loans in Blend should have both, Create Loans and View Loans. |
| Create Processes | This permission can be ignored. It has no impact and should be set to Never. | N/A | N/A |
| Create Documents | Allows lenders to upload documents in the Docs tab. View Documents and View Loans must be enabled with this permission. If a lender can View Documents, the Docs tab will appear. If they can 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 documents. | Document management | LOs or LOAs who receive documents from a borrower outside of Blend and want to upload them into the Blend loan will need this permission. |
| Create Users | This permission gives lenders the ability to create new lender users. View Users should be enabled with this permission. | User administration | This permission is typically given to Blend administrators in your organization. |
| Create Roles | This permission gives lenders the ability to create new user roles. View Roles and Edit Roles should be enabled with this permission. | User administration | This permission is typically given to Blend administrators in your organization. |
| Create Disclosures | This permission needs to be enabled along with Create Documents, View Disclosures, and Bulk download loan documents for a user to utilize the Blend-Encompass disclosures functionality. | Disclosures | This permission should be given to lenders issuing disclosures in Blend. |
| Create Restricted Mortgage Invite | This permission allows lender users to invite a borrower to a loan and then exposes a simple pipeline of those loans to them. | N/A | Allowing branch bankers to refer borrowers for mortgages, but not see their data or work on the loan in any way. |
| Permission | Behavior | Process Impact | Examples |
View | |||
| View Loans | Allows users to view loans in the pipeline.Access levels are Always, When assigned to loan, and Never.This permission alone does not allow users to edit a loan application. | View loan in pipeline | Users who need to view loans. |
| View loans assigned to my groups, and the groups reporting to my groups | Allows users to view loans within their groups and subgroups when using Team Grouping and Loan Views by Groups. | Team Grouping and Loan Views by Groups | |
| Export Loans | Users must also have View Loans permissions.Users can export loans they have access to in the Pipeline. | Export | Depending on business function, LOs are generally allowed to export loans they are assigned to. |
| Bulk Download Loan Documents | Users must have View Loans and View Documents enabled.Users can see the Docs tabUsers can download the application package and loan documents. | Document downloads | 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 | Users must have View Loans enabled. 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. | Users 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 administrators who may need to confirm if documents were submitted. |
| View Borrowers | If set to Always, lender users can see the Borrower's tab in the Setup > Administration page. | Required to reset borrower's MFA. | This permission should be given to users to trigger password resets for their borrowers. |
| 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. | User administration | Typically given to administrators for user management. |
| View Roles | The user must have View Users turned on.The user will then have Admin access and see the Users and Roles tab | User roles and permission administration | Typically given to administrators for role management. |
| View Disclosures | Allows lenders to view disclosures in BlendUsers must have View Loans and View Documents enabled. | Disclosures | Depending on the business function, the ability to view disclosures will be limited to the LO assigned to the loan application. |
| Can view reporting dashboard | The user can access the reporting dashboard in the Pipeline. | Reporting | For reporting users. |
| View closings | The user can view closing details in the closing tab. Note: The Edit Closing permission overrides the View Closing permission. If Edit Closing is enabled, but View Closing is not, the user can still edit and view closing details. | Closings | |
| Permission | Behavior | Process Impact | Examples |
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. | Loan management and assignments | For User Admins who don't need access to loans. |
| Can be assigned loans | This permission controls whether a user can be assigned to loans.When set to Never, users will not appear in the Loan Team drop-down. | Loan management and assignments | For users who need to be assigned a loan in Blend for origination and processing. |
| Visible to borrowers | This permission allows users to be displayed in the Loan Team list (accessible on a desktop computer using the  button).It should be given to any user who can be selected by the borrower when applying using a generic apply link.This permission should also be given to users who have an LO Page in Blend.Furthermore, this permission can be disabled for users who work in Blend but do not need to be assigned to a loan. | Loan assignments | This permission can be disabled for Non-licensed LOs, LOAs, or User Admins who don't need to be seen by borrowers. |
| Visible in borrower home | Allows users to appear in the Your Loan Team card on the borrower portal. Note: Visible to borrowers must also be enabled for users with this permission to show up. | LO information in borrower portal | Should be given to Loan Officers |
| Receives notifications about unassigned loans | When enabled, users receive notification emails for unassigned loans. | Loan management and assignments | For administrators who manage unassigned loans |
| Assignable by borrowers | Will not appear as a selectable option to borrowers when they're 'working with someone' in borrower happy flow. | Loan assignments | This permission controls if the borrower can choose who they're working with in the "Getting Started" and the "Are you working with someone?" sections of the application. |
| Can be loan originator | Allows or restricts users from being a loan originator. Note: The permission will match Can be assigned loans permission by default. To be assigned as Loan Originator, users will need to have Can be assigned loans and Can be loan originator permission set to Always. | Loan origination, assignments, and disclosures. | |
| Permission | Behavior | Process Impact | Examples |
Modify | |||
| Reset borrower authentication | Allows lenders to reset a borrower's Multifactor Authentication method (MFA).Required to reset borrower's MFA. | Borrower MFA | Should be given to LOs to assist borrowers with MFA |
| Edit Processes | Allows users to edit processes in the Process menu.The edit button is not visible when set to Never. | 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 users to add processes to loans they're assigned to.Requires the role to have both View Loans and View Processes on loans to be utilized.Users 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 the "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.Users can only remove processes they're assigned to | N/A | Can remove extra/unnecessary follow-up processes if already collected |
| Work on loans in processes | Allows users to edit applications via the application page when the role the permission is assigned to is present on the application | Editing the Application in the lender portal | Can be useful for Disclosures Desk roles or Loan Officer Assistant roles to edit applications currently in an in-process loan state |
| Modify invite email | Gives users the ability to edit the email when inviting borrowers to loans. | Email invitations | |
| Archive loans | Gives users the ability to archive loans in Blend. | Loan archive | |
| Perform lender takeover | Gives users the ability to take over an application when the application is in progress. | Application Takeover | |
| Edit Pipeline | Allows users to edit their pipeline view to include/exclude filter columns. | Pipeline management | 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. | User management and administration | For administrators who need the ability to edit user information, profile pictures, etc. |
| Edit Roles | Allows users to edit role permissions in the Admin > Roles tab.Requires View Roles permission. | Role management and administration | For administrators managing roles and permissions. |
| Edit System Config | Role reserved for Blend Support | N/A | |
| Edit client-facing system config | Gives lender administrators access to the Setup menu for Self-Serve User Administration. | Self-serve user administration | For Blend administrators at your organization |
| Edit authorized applications | Role reserved for Blend Support | N/A | |
| Edit Profile Settings | Allows users to edit their profile settings. | User account | |
| Edit reminder preferences | Allows lender users to configure the frequency and total email reminders sent to borrowers. | Email reminder settings | |
| Edit closings | Users can edit and view closing details in the Disclosures & Closing tab. Note: The Edit Closing permission overrides the View Closing permission. If Edit Closing is enabled, but View Closing is not, users can still edit and view closing details. | Closings | |
| Permission | Behavior | Process Impact | Examples |
Delete | |||
| Delete Loans | This must be enabled along with View Loans. Note: If View Loans is set to Always and Delete Loans is set to When assigned to loan, users can still delete all loans.Blend support does not delete live loans. We recommend archiving the loan instead. Loan deletion is managed by your administrator. | Loan management | Should be given to users authorized to delete loans. |
| Delete Processes | This permission no longer has an impact and should be ignored. | N/A | |
| Delete Documents | Allows users to delete loan documents. This must be enabled along with View Documents. | Loan document management | Users with this permission can delete documents when borrowers upload incorrect documents or documents they are no longer comfortable sharing. |
| Delete Users | Allows administrators to delete users. View Users and Edit Users must be set to Always. Note: Exercise caution when deleting users. If there are loans assigned to a user who is to be deleted, those loans will become unassigned and will go into the pipeline. Please ensure all loans are re-assigned before deleting a user. | User management | Administrators need this permission to delete a user when they leave the company. |
| Delete Roles | Allows administrators to delete roles.View Users and View Roles must be set to Always for this permission to work. | Roles and permissions | Administrators managing roles and permissions in Blend. |
| Permission | Behavior | Process Impact | Examples |
Loan Teams | |||
| Auto assign loans to loan team | When this permission is set to Always, new loans will be automatically assigned to the loan originator's loan team.Furthermore, if the loan originator reassigns a loan to themselves, the loan will be automatically assigned to the entire loan team.When this permission is set to Never, new loans will only be assigned to the loan originator. | Loan assignments and loan teams | 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. |
| Permission | Behavior | Process Impact | Examples |
Pricing | |||
| View Pricing | Allows users to check pricing rates.If View Pricing is set to Always and View check rates is set to Never, users can view products, but cannot view rate/payment. To view and check rates, View Pricing must be set to Always.If both View pricing and View check rates are set to Always, users can check rates and select products. | Loan structuring | |
| View check rates | Allows users to check pricing and product rates in the pipeline. Requires View Pricing permission. | Loan structuring | |
| Access to PAB sidebar | The Pre-approval Builder (PAB)-now commonly known as LO Toolkit-displays the DTI/LTV, Monthly Debt, Details of Transaction, Assets and Income details on the right panel of the application. | Loan structuring | |
| Manage service providers in pricing service | This permission has no effect at this time and should be ignored. | N/A | |
| Permission | Behavior | Process Impact | Examples |
Credit | |||
| Pull Credit | Allows users to pull credit in Blend.Requires permissions to pull Hard credit.Note: Credit configurations may vary by organization. | Credit | |
| Generate Credit Billing Report | This permission has no effect at this time and should be ignored. | N/A | |
| Allow hard pull when previous credit action was a soft pull | Allows users to run a hard credit pull after soft credit has been pulled. | Credit | |
| Allow soft pull when previous credit action was a hard pull | Allows users to run a soft credit pull after hard credit has been pulled. | Credit | |
| Allow re-pull when previous credit pull was of same type (hard/soft) | Allows users to re-pull credit of the same pull type. | Credit | |
| Permission to upgrade credit reports | Allows users to upgrade a credit report to include additional bureaus. | Credit | |
| Permission to retrieve credit reports | Allows users to retrieve a credit report using a credit report identifier. | Credit | |
| Permission to update credit reports | Allows users to update/refresh a credit pull. | Credit | |
| Allow user to select any combination of bureaus for soft credit pulls | Allows users to choose the bureaus to include in a soft credit pull. | Credit | |
| Allow user to select any combination of bureaus for hard credit pulls | Allows users to choose the bureaus to include in a hard credit pull. | Credit | |
| Permission | Behavior | Process Impact | Examples |
Verification of Income | |||
| Permission to run verification of income lender-side | Allows users to access and initiate Verification of Income (VOI). | Income verification | |
| Permission to re-verify income | Allows users to re-verify income. | Income verification | |
| Permission | Behavior | Process Impact | Examples |
Lender Entered Mortgage App | |||
| Enter apps on behalf of borrower | This permission has no impact. Users can still guide borrowers using Co-pilot or complete the application on behalf of the borrower by taking over the application. | N/A | |
| Modify apps post LOS export | This permission controls whether a user can modify applications post export.When set to Always, users will see a notification that any edits will not be reflected in the LOS. | Application edits | |
| Multi send apps to a LOS | Allows users the ability to export loan updates to Encompass. | ||
| Permission | Behavior | Process Impact | Examples |
Lender Mobile | |||
| Use Lender Mobile App | Allows users to log in to the Blend Loan Officer mobile application (LO Mobile).Note: It does not prevent users from downloading and installing the app onto their devices. | LO Mobile App | |
| Permission | Behavior | Process Impact | Examples |
Automated Underwriting | |||
| Run DU | Allows users to run AUS in Blend. This controls DU, LPA, and dual AUS.If Run DU is set to Always and Credit and Pricing set to Never, users can see DTI and manually add loan details and liabilities, but cannot pull liabilities in by pulling credit.If Pull Credit, Run DU, View Pricing are set to Always and View Check rates is set to Never, users can:
| Automated Underwriting System (AUS) | |
| Send pre-approval letter | 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. | Pre-aproval letters (PAL) | |
| Permission | Behavior | Process Impact | Examples |
Compliance | |||
| Download key loan information report | Allows users to export the Pipeline report. | Pipeline report | |
| Cancel disclosures packages | Allows users to cancel disclosures in Blend.When disclosures packages are canceled, borrowers can no longer access the disclosures package in Blend when clicking the link in their disclosures email notifications.Note: Requires View disclosures permission.Blend Support does not cancel packages. This is a process managed by your administrator. | Disclosures | Should only be given to users authorized to cancel packages. |
| Receive compliance alert | Users with this permission will receive an email when changes are made to sensitive compliance configurations. | ||
| Permission | Behavior | Process Impact | Examples |
Co Pilot | |||
| Enable co pilot | Controls whether a user can co-pilot a borrower's application. | Co-Pilot | |
| Permission | Behavior | Process Impact | Examples |
Chat | |||
| Support chat | Controls whether a user can access Blend Support through chat in your Blend environment. | Blend Support Chat | You may disable this permission if you have a dedicated support team in your organization and your user inquiries are funneled through that team instead of Blend Support, you may wish to disable this permission. |
| Permission | Behavior | Process Impact | Examples |
Marketing | |||
| Have Loan Officer Page | Allow users to create a Loan Officer page (LO Page) in Blend.Visible to borrowers must be enabled. | LO Pages | A loan officer wants to have a landing apply page for borrowers. |
| Permission | Behavior | Process Impact | Examples |
Verification of Identity | |||
| Permission to run identity verification | This permission controls whether banker users can complete the IDV adjudication workflow.Applies to Consumer Banking products. | IDV | Bankers who need to complete IDV on consumer banking products. |
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