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Five-Minute Home Equity: How to Outpace Fintechs and Win Member Loans

How leading credit unions use Autopilot and automated decisioning to close HELOCs in minutes, not weeks, without sacrificing risk control.

Key takeaways:

  • Speed is the new battleground: Fintechs are winning strong-credit borrowers on convenience, not price
  • Automated decisioning cuts weeks to minutes: Real-time offers and DTI calculations keep engaged borrowers from shopping elsewhere
  • Blend Autopilot shrinks underwriting to seconds: A 20-minute manual pre-underwriting review now takes about 15 seconds, with the same credit rigor applied to every loan
Niko Pavlou
Niko Pavlou
Product Marketing Manager, Blend
Natasha_Kapoor
Natasha Kapoor
Sales Engineer, Blend