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Banking verified Verified Outcome TRL 9

Digital Mortgage Origination Platform

domain Client: Top 5 US Commercial Bank handshake Provider: Blend schedule Deploy: 2019-2023
89 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

The bank partnered with a white-label digital lending platform to digitize the mortgage application process, significantly reducing cycle times and paper usage.

rate_review Analyst Verdict

"Standard modernization for lending. The 'build vs buy' decision here favored 'buy' (partner) to rapidly catch up with fintech lenders like Rocket Mortgage who were stealing market share via superior UX."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

The mortgage application process was paper-heavy, disjointed, and slow, often taking 45-60 days to close. Customers were frustrated by repeated requests for documents (pay stubs, tax returns) and lack of visibility into application status, causing them to defect to digital-first non-bank lenders.

psychology The Solution

The organization integrated a cloud-based digital lending platform (Blend) into its loan origination system. This platform allows customers to connect their bank accounts and payroll providers via APIs for instant income verification, pre-filling data and reducing the need for manual document uploads.

settings_suggest Technical & Deployment Specs

Integrations
Loan Origination System (LOS)
Deployment Model
SaaS
Data Classification
PII/Financial
Estimated TCO / ROI
Medium
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Third-Party Risk Medium Vendor risk management

trending_up Impact Trajectory

Audited value realization curve

Reduction in mortgage cycle time Verified Outcome
Primary KPIIncrease in digital application volume
Audit CycleImproved customer satisfaction scores

policy Compliance & Gov

  • Standards: US Lending Regs (RESPA/TILA)
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: PII/Financial

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Top 5 US Commercial Bank without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-429
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-429

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