Hybrid Closings vs Full eClosings: Which Is Right for Today’s Borrowers?
The mortgage industry continues its digital transformation, and one of the most critical changes is how closings are handled. With borrowers expecting speed, convenience, and security, lenders are offering two primary digital options: Hybrid Closings and Full eClosings. But which option best fits today’s borrower?
Let’s break down the differences and explore what makes each approach appealing in 2025.
What Is a Hybrid Closing?
A Hybrid Closing is a blend of digital and traditional processes. Typically, most documents are signed electronically prior to closing day, but a few key documents—like the promissory note or deed—are signed in person, often in front of a notary.
Advantages of Hybrid Closings:
Faster than traditional closings: Less paperwork at the table.
Better borrower preparation: Review documents ahead of time.
Easier adoption: Great for clients or areas not yet fully eClosing-ready.
Flexibility: Useful in jurisdictions with restrictions on full electronic notarization.
What Is a Full eClosing?
A Full eClosing (or end-to-end digital closing) involves eSigning all documents, including the promissory note and deed of trust, often with Remote Online Notarization (RON). The borrower can complete the entire process remotely, from wherever they are.
Advantages of Full eClosings:
Ultimate convenience: No in-person meeting required.
Time savings: Reduces closing time from days to hours.
Increased accuracy: Fewer errors thanks to automation.
Ideal for digital-native borrowers: Particularly appealing to Gen Z and Millennials.
Which One Is Right for Today’s Borrowers?
Consider Hybrid Closings If:
The borrower prefers some face-to-face interaction.
You're operating in states with limited RON adoption.
The borrower is not tech-savvy or unsure about full digital closings.
Consider Full eClosings If:
Borrowers want a fast, fully remote experience.
All parties are comfortable with RON and digital documentation.
You serve a tech-forward market or out-of-state buyers.
The 2025 Trend: A Growing Lean Toward Full eClosings
While hybrid closings still dominate in many regions, full eClosings are gaining significant traction in 2025 due to:
Broader adoption of RON laws across states.
Increased consumer trust in digital transactions.
Lender investment in fully integrated eClosing platforms.
Borrowers now expect digital options—not just in applications, but at the finish line too.
Final Thoughts
Both hybrid and full eClosings offer enhanced convenience compared to traditional closings. The right option ultimately depends on borrower preference, technology readiness, and regional regulations. As the digital mortgage ecosystem matures, lenders who offer flexible, seamless closing options will stand out in the marketplace.
