Case Study: U.S. Bank achieves faster, more accessible home lending with Blend's Mortgage Suite

How U.S. Bank and Blend are working together to shape the home lending industry through ideation, innovation, and insight

U.S. Bank faced a paper‑heavy, slow mortgage process and set out to become a digital‑first bank without losing the human touch. To modernize origination and improve client and employee experiences, U.S. Bank partnered with Blend and adopted Blend’s Mortgage Suite — including Mortgage, Close, and Purchase Affordability — integrated with their NetOxygen LOS to move from manual documents to data-driven workflows.

Blend implemented a streamlined digital mortgage solution and features like Purchase Affordability and eClose, going live in six months and onboarding all loan officers within 18 months. The results: application time dropped from 1–2 hours to about 27 minutes, 80,000 people used Purchase Affordability with 40% of pre‑applicants completing full applications, CSAT rose 20% in two years, and 70% of eligible loans now use eClose — demonstrating Blend’s measurable impact on speed, conversion, and customer satisfaction.

U.S. Bank

Chris Saak

Digital Customer Experience Owner for Real Estate Secured