Blend Unveils Vision for Intelligent Origination: A New Operating Model for Lending

AI-powered framework embeds intelligence directly into the heart of lending to transform execution speed, accuracy, and oversight.

Blend Labs, Inc. (NYSE:BLND), a leading digital origination platform for banks, credit unions, and mortgage lenders, today announced Intelligent Origination—an AI-powered system built deeply into Blend's digital lending platform to redefine how lending operates.

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With Intelligent Origination, Blend is moving beyond traditional, bolt-on AI features by embedding agentic intelligence directly into the heart of lending, where decisions are made and actions are taken. This marks a fundamental shift in the operating model for lending, from tools that assist to systems that execute.

Why A New Model is Needed

Over the past decade, Blend has helped financial institutions digitize nearly every step of the lending process, from application to close, creating faster and simpler borrower experiences. Yet the industry's cost structure remains stubbornly high, averaging more than $11,000 per mortgage and $2,000 per home equity loan, with cycle times often stretching 20 to 30 days.

While most institutions are exploring AI, few have achieved meaningful transformation. A recent MIT study found that 80% of financial institutions are experimenting with AI and 40% are piloting, yet only 5% reach production. The reason: most rely on bolt-on tools that create more alerts, more handoffs, and more operational complexity.

"Traditional automation digitizes tasks but can't always reason across the gray areas where lending decisions truly happen," said Nima Ghamsari, Co-Founder and Head of Blend. "With Intelligent Origination, we're reimagining that model—placing human expertise at the center while building systems that execute with speed, accuracy, and oversight."

What Makes Intelligent Origination Different

Blend's Intelligent Origination represents a new class of applied AI—one that operates within the execution layer of lending, not on top of it. By orchestrating data, documents, and product rules in context, the system moves from isolated task automation to continuous, end-to-end execution.

Unlike standalone AI tools, Intelligent Origination connects every part of the process through a unified model that understands relationships across loan-level data, borrower documents, and investor guidelines. This contextual awareness allows AI to handle more complex decisions autonomously—validating data, identifying discrepancies, and triggering the right next steps in real time.

The result is faster, more accurate, and more consistent lending outcomes, without sacrificing control. Humans stay in the loop where judgment matters most, while AI manages the repetitive and rules-driven work with full transparency and auditability.

What's Next for Intelligent Origination

The first implementation of Intelligent Origination focuses on high-impact back-office use cases where lenders face the most manual work and see the fastest ROI. These include:

- Data & document intelligence that reads, analyzes, and validates data across hundreds of pages with precision.

- Dynamic follow-up logic that determines next steps when information is missing.

- Pre-funding quality control that reviews every file for accuracy before funding.

Early pilot partners are already seeing what Intelligent Origination makes possible.

"For the first time, we can see a path to full-file QC before funding," said Rebecca Blabolil, Chief Compliance Officer at CrossCountry Mortgage, an early pilot partner. "Individual checks that once took analysts 20 minutes per task now happen in seconds. That speed doesn't just reduce costs—it may allow us to review every loan in the future, turning quality control from a reactive process into a proactive safeguard."

By addressing this universal pain point first, Blend delivers measurable financial impact: shorter cycle times, lower labor costs, fewer buybacks, and full audit transparency—what the company calls "manufactured certainty." Starting in 2026, Blend will expand Intelligent Origination into additional use cases across fraud detection, income and asset verification, loan officer tools, and borrower communication spanning mortgage, home equity, consumer lending, and deposit products.

Visit blend.com/platform/intelligent-origination to learn more or request a demo.

About Blend

Blend Labs Inc., (NYSE:BLND) is a leading digital origination platform for banks, credit unions, and mortgage lenders. From mortgages to consumer loans to deposit accounts, Blend helps financial institutions streamline workflows, launch faster, and deliver standout customer experiences. In 2024, Blend's platform powered $1.2 trillion in loan applications. Learn more at blend.com.

Forward-Looking Disclaimer

This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These statements generally relate to future events, future performance or expectations and involve substantial risks and uncertainties. Forward-looking statements in this press release may include, but are not limited to, our expectations regarding our product roadmap, future products/features, the timing of new product/feature introductions, market size and growth opportunities, macroeconomics and industry conditions, capital expenditures, plans for future operations, competitive position, technological capabilities and strategic relationships, as well as assumptions relating to the foregoing. The forward-looking statements contained in this press release are subject to risks and uncertainties that could cause actual outcomes to differ materially from the outcomes predicted. In some cases, you can identify forward-looking statements by terminology such as "may," "will," "should," "expect," "plan," "anticipate," "could," "would," "intend," "target," "project," "contemplate," "believe," "estimate," "predict," "potential" or "continue" or the negative of these terms or other comparable terminology that concern Blend's expectations, strategy, plans or intentions. You should not put undue reliance on any forward-looking statements. Forward-looking statements should not be read as a guarantee of future performance or results and will not necessarily be accurate indications of the times at, or by which such performance or results will be achieved, if at all. Further information on these risks and uncertainties are set forth in our filings with the Securities and Exchange Commission. All forward-looking statements in this press release are based on information available to Blend and assumptions and beliefs as of the date hereof. New risks and uncertainties emerge from time to time, and it is not possible for us to predict all risks and uncertainties that could have an impact on the forward-looking statements contained in this press release. Except as required by law, Blend does not undertake any obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future developments, or otherwise.

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Press Contact

Chloé Demeunynck

Corporate Communications

[email protected]