The integration brings Innovis® Early View to the Blend platform, helping lenders avoid unnecessary tri-merge credit report costs.

Factual Data^®, a leading provider of mortgage credit reports, workflow solutions and verification services, and Blend, a leading digital origination platform for banks, credit unions and mortgage lenders, today announced the availability of Innovis^® Early View within Blend’s Home Lending suite. Lending teams now have the means to select the appropriate credit product at the point of application, rather than defaulting to a tri-merge credit report on every file — reflecting the companies' shared focus on affordability and credit modernization across the origination process.

Innovis Early View runs ahead of a tri-merge credit report, checking Innovis credit data against the lender's configured hard stops before a more costly merged report is ordered. If a disqualifying condition is present, the lender is notified; otherwise, the file continues through the lender’s existing workflow in Blend.

The integration reflects a broader shift in mortgage lending toward matching credit products to the file, rather than using one standardized report for every application. Innovis Early View does not replace the tri-merge credit report required for loans sold to the GSEs; it supports lenders in allocating resources to files more likely to move forward, helping keep origination costs down and supporting affordability for the consumers they serve.

"Lenders should not have to pay the price of a tri-merge credit report to learn a file cannot move forward. Putting Innovis Early View at the front of the Blend workflow lets lenders choose the right credit product for the moment they’re in. That’s real cost control, and it’s one more way we’re helping lenders expand homeownership," said Reno D’Water, Chief Innovation Officer, Factual Data.

"Our customers are focused on originating more efficiently without compromising the applicant experience," said Nima Ghamsari, Co-founder and Head of Blend. "Innovis Early View gives them a smarter first step in the credit process, with no other change to how they work today."

Lenders interested in enabling the Innovis Early View in the Blend platform can contact their Factual Data representative.

About Factual Data

Factual Data, Leader in Mortgage Credit Reports, specializes in consumer credit reports, automation-driven workflow solutions, and verification services for lenders. Dedicated to the mission of Helping Lenders Expand Homeownership, Factual Data operates a proprietary platform offering flexibility, efficiency, and ample integrations with leading LOS and POS interfaces. For more information, please visit www.factualdata.com or follow Factual Data on LinkedIn.

About Blend

Blend Labs, Inc. (NYSE:BLND) is a leading digital banking platform that helps financial institutions make lending simpler, faster, and more efficient. Banks, credit unions, fintechs, and mortgage lenders use Blend to power home lending and consumer banking, with Autopilot increasingly scaling intelligence across the lending lifecycle. In 2025, Blend helped financial institutions process nearly $1.3 trillion in loan applications. Learn more at blend.com.

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Media Contacts

Timothy Rieser

Factual Data

marketing@factualdata.com

Chloé Demeunynck

Blend

press@blend.com