Why lending platforms are rethinking eSignature tools in 2025

If you’re building digital lending experiences, you’re likely already using an eSignature tool. For many, that tool is Docusign. Though it’s widely adopted and familiar, is it still delivering what you need?

As vendors for leading loan origination systems (LOS) and digital lending platforms, you may be rethinking your choice of eSignature solutions, especially as borrower expectations rise and cost pressures increase. In the process, many of you are discovering that general-purpose eSignature tools weren’t built for the unique demands of lending workflows, such as strict compliance, customizable flows, and embedded integrations.

If you’re looking for more control, cost predictability, and a technology partner that evolves with you, it may be time to rethink your eSignature strategy.

What loan origination platforms need from an eSignature partner

The truth is, not all eSignature platforms are built with lenders in mind. Some are designed to be general-purpose tools, which may be fine for basic contracts. However, these tools don’t work as well when you're dealing with complex workflows,      strict compliance requirements, and custom branding.

In fact, when it comes to white labeling, our experience shows that banks prefer the experience to look like their brand, their colors, and their website – not the eSignature vendor’s brand. This is especially important for independent mortgage banks or for large institutions that support multiple sub-brands.

Here’s what we’ve found most modern vendors are looking for in eSignature solutions for lending platforms:

• Easy, scalable integration
  The eSignature solution should plug into your platform effortlessly, without slowing down your roadmap or requiring months of custom development. This can be done through efficient and scalable APIs with all functionalities accessible through a native REST interface and modern low-code/no-code integrations.
• White labeling
  By fully branding the look and feel of the entire eSign experience to match your colors, logo, and website, you are building trust with your signers. This includes integrating the eSignature service with your own email servers, customizing the content of email or SMS notifications, customizing dialog boxes, colors, and visibility of elements such as headers, navigation bars, footers, etc.
• Customizable workflows 
  Lending isn’t one-size-fits-all. Whether it’s mortgage, auto, or small business loans, you need the ability to tailor signing flows, document logic, and user experiences to fit each use case.
• Bank-grade security and compliance 
  With increasing scrutiny from regulators, you need a partner that understands security and the nuances of financial compliance. This includes audit trails, identity verification, and support for regulations and laws like eIDAS, UETA, and ESIGN.
• Scalable pricing without surprises 
  As your client base grows, your eSignature solution needs to scale with you, without locking you into rigid pricing models or penalizing you for success.
• A real technology partner
  Support shouldn’t stop at onboarding. If you’re an LOS vendor, you need an LOS eSignature integration that works for you. You need a provider that’s responsive, collaborative, and invested in your long-term success, rather than another vendor with a ticketing system and video tutorials.

See why users rate OneSpan higher than other top eSignature platforms on the capabilities that matter most.

How Blend scaled with OneSpan

Blend, a leading digital origination platform, partners with OneSpan to embed eSignatures directly into their account opening workflows. The partnership allows Blend to meet customers where they want to be met.

Blend product management leader John Whipple said, “It’s one thing to have the solution to power digital application workflows, but being able to integrate into the rich partner ecosystem [...] and bringing that together into a unified experience is a key part of our strategy. OneSpan has been a really awesome partner for us in enabling a more digital journey.”

This integration has enabled more than a million document transactions to be completed digitally, streamlining processes and improving the borrower experience at scale.

Whipple added, “OneSpan has enabled us to have a seamlessly embedded digital application experience. What used to be a very analog, manual, friction-filled process is now digital and automated.”

Why lending platforms choose OneSpan

OneSpan Sign is not just another eSignature tool — it’s a purpose-built solution for high-trust, high-stakes environments, like lending.

Whether you're embedding it into your lending point of sale (POS) platform or your loan origination system, OneSpan gives you the control, flexibility, and support you need to deliver a better borrower experience and stay ahead of the curve.

With OneSpan Sign’s partner program and new pricing, you can start with smaller volumes, minimizing your company’s risk and costs as you determine which eSignature vendor works best for your needs.

Additional benefits of OneSpan Sign include:

• Purpose-built workflows designed for regulated industries
  OneSpan Sign was designed with banks, credit unions, and financial institutions in mind. It supports strict compliance requirements, including ESIGN & UETA, eIDAS, SOC 2 Type 2, NIST, iBeta, STAR Level One, Skyhigh Enterprise-Ready, ISO/IEC 27001, ISO/IEC 27017, ISO/IEC 27018, PDPA, GDPR, FedRAMP, HIPAA, FIPS , MISMO, CCPA, LGPD, and more, making it a natural fit for your lending workflows.
• Enhanced security 
  We help you maintain customer trust and avoid risk with identity verification, authentication, audit trails, and an evidence summary. OneSpan’s suite of solutions are ideal for fraud-sensitive transactions like loan approvals.
• Accelerated time to value
  OneSpan Sign offers robust, well-documented APIs and mobile-first design that make it easy to embed into your LOS platform and customize the experience to your exact needs.
• Elevated customer experience and adoption
  Deliver a seamless borrower experience by completely white-labeling the signing process, ensuring your brand is front and center. Your customers are yours. OneSpan won’t ask them to create accounts with us and we won’t target them with marketing or sales campaigns.
• Partner-level support and services 
  We are here to be your partner, not just sell you software. From onboarding to scaling, our team of engineers, professional services, and support staff works closely with yours to ensure success.

Rethinking your eSignature strategy

Whether you are an LOS vendor or lending platform vendor – or a chief lending officer or head of lending operations – we know you need a flexible eSignature provider that evolves to meet both your needs and those of your customers.

Your eSignature strategy

If you’re ready to rethink your eSignature strategy, talk to us about how OneSpan Sign can help you scale securely, flexibly, and affordably.

Talk to us