Using Blend Co-pilot to follow borrowers through the application process

Blend's Co-pilot experience gives you a complete matching view of the borrower's application and the ability to enter information on their behalf.

• Co-pilot a borrower
• Co-pilot a co-borrower
• Co-pilot view for lenders
• Follow borrowers in real-time through Co-pilot
  • Enable Following Borrower
  • Disable Following Borrower
• Co-pilot specifications
• Configurable options for Co-pilot

 Note: This guide outlines the co-pilot functionality that allows loan team members to view the borrower’s application in real-time through the desktop application.

For information about the Copilot AI feature that is currently in development, please contact your Blend account team or sign up to receive early access information.

Co-pilot a borrower

You can co-pilot a borrower during the application process and after the application has been submitted for follow-up requests. The Co-pilot feature is available after the borrower has activated their account and logged in. A banner will be displayed in the Application tab with options to Co-pilot or Take over.

1. Navigate to the Application tab of the loan you'd like to co-pilot.
2. Click the Co-pilot button located in the upper right corner. Alternatively, you can click the Co-pilot link in the banner and the Co-pilot view will open in a new browser tab.

Co-pilot a co-borrower

You can follow co-borrowers with Co-pilot as well.

1. Click the arrow next to the toggle switch to view both borrowers.
2. Select the borrower you'd like to co-pilot.

Co-pilot view for lenders

Lender's Co-pilot View - The lender's Co-pilot view will reflect what the borrower sees on their end. Notice the Following Borrower toggle switch located at the bottom left corner.

Borrower's VIew - The borrower's view will remain the same. There are no indicators of the Co-pilot feature.

Follow borrowers in real-time through Co-pilot

Lenders have the ability to follow the borrower's journey and guide them as they go through the application process. With Following Borrower enabled, lenders can follow borrowers in real-time.

Enable Following Borrower

With Following Borrower enabled the lender's co-pilot view will update in real-time as the borrower navigates through the application.

Disable Following Borrower

With Following Borrower disabled, you can stay on the milestone of your choice. This can be helpful if you wish to review completed sections of the application. An indicator with the borrower's initials will appear next to the section they are currently on so you see where they are in the application.

Co-pilot specifications

• The Enable co pilot role permission is required for lenders to be able to use this functionality. If you don't have the ability to co-pilot, reach out to your Blend Administrator to ensure you have the right role permissions.
• Lenders do not have edit access while in Co-pilot for the following milestones:
  • Lenders cannot use Co-pilot to log in to financial institutions on behalf of borrowers for Assets Statements (during application and post-submit follow-ups).
  • Lenders cannot Review and Submit the application on behalf of borrowers. Only borrowers can submit an application.
• Co-pilot is only available after the borrower has activated their account.
• Using Co-pilot on three or more two borrowers is currently not supported.

Configurable options for Co-pilot

If you are a Blend administrator and wish to make configuration changes, please reach out to Blend Support.

• Co-pilot is enabled by default in all customer environments but can be disabled globally in your Blend environment.
• Co-pilot can be updated to be "Read-only" for mortgage loan types.

DISCLAIMER: The features on this page may not be applicable to your institution. Please reach out to Blend Support for more information on what features are enabled for your use.