---
title: HELOC testing
description: Test the HELOC borrower experience in Figure UAT
---

Use this guide to test the Home Equity Line of Credit (HELOC) experience in your dedicated User Acceptance Testing (UAT) environment before launch. It applies to inquiries submitted through Lead Portal or an API integration, as well as applications submitted through your custom-branded landing page.

This guide covers:

- How to submit a test inquiry or application
- How to complete the borrower flow end to end
- Test data for happy-path and unhappy-path scenarios, with the expected result for each

{% callout type="warning" title="Production testing policy" %}
Testing is not permitted in the production environment. Production submissions trigger automated processing, including credit pulls and lien searches on properties, and the data is permanently included in HMDA and compliance reporting.
{% /callout %}

## Before you begin

### Testing paths

There are three testing paths, each with its own starting point:

| Testing Path | Used For | How to Start |
|---|---|---|
| **Lead Portal** | Inquiries initiated by a loan originator (LO). | In Lead Portal, select **Create New** > **HELOC Inquiry**. |
| **Customer-Branded Landing Page** | Direct-to-consumer (DTC) applications, available only to private label partners. | In your custom landing page, select **Find my rate**. |
| **API Integration** | Inquiries initiated by an LO or borrower through your own frontend platform. | Create the inquiry through your integration's frontend. |

### Testing tips

- **Use your company email domain.** The UAT environment only sends email to approved (whitelisted) domains. Figure whitelists your organization's domain during onboarding, but Figure can't whitelist public domains such as gmail.com, so don't use them for testing.
- **Use a unique email address for every test.** Add a plus sign (`+`) and a unique value to your email address, such as `testuser+123@yourcompany.com`. A date or timestamp works well for keeping values unique (for example, `testuser+202610261430@yourcompany.com`). Each variation is treated as a new address but still arrives in your inbox.
- **Use an incognito or private browser window** for each test to prevent caching issues.
- **Keep loan amounts under $400K.** Loan amounts of $400K or more trigger an appraisal requirement that cannot be fulfilled in UAT.

## Testing steps

### Step 1: Start the inquiry or application

1. Start a new inquiry or application using your [Testing Path](#testing-paths).
2. Enter data from the [Happy Path](#happy-path) or [Unhappy Paths](#unhappy-paths) datasets, depending on the outcome you want to test.
3. Select and submit an offer. Keep the loan amount under $400K.

### Step 2: Complete the application

1. **Access the application.**
   - **Lead Portal:** The borrower receives a Welcome email. Select **Continue your application** in the email to set up a profile and access the application, then confirm the offer.
   - **Private-Labeled Landing Page:** Skip this step and continue in the same session.
   - **API Integration:** Open the application URL provided by the API to set up a profile and access the application, then confirm the offer.
2. **Click through the application.** Follow the on-screen prompts to move the application forward unless an instruction below says otherwise.
3. **Verify income.** When prompted to connect an account, click through the prompts as follows:
   1. Select **Connect your personal or business accounts**.
   2. Select **Continue without phone number**.
   3. Select **Chase**, then **Continue to login**.
   4. Select **Sign in**. You do not need to enter any credentials, so leave the username and password fields blank.
   5. Select **Get code**, then **Submit**. You do not need to enter any values, so leave all fields blank.
   6. Select the **Checking** and **Savings** accounts, then **Continue**.
   7. Acknowledge **Terms and Conditions**, then select **Connect account information**.
   8. Select **Allow**, then **Finish without saving**.
4. **Verify identity.** When prompted to upload your ID, select **Upload an image of your ID instead**, then upload any placeholder file.
5. **Upload documents.** When prompted to upload any other documents (e.g., verify liens), upload any placeholder file.

### Step 3: Request manual progression

Automated operational tasks pause the application twice during testing: once after completing the steps above, and again at the notary stage. Each time, email your Figure testing point of contact with the application's Short App ID (e.g., `#1-12345-123`) or UUID (e.g., `b67bdf2f-3f6c-48eb-b37c-4a1e43e7f0d2`). Your point of contact will manually move the application forward. Contact your onboarding representative or relationship manager if you need help identifying your testing point of contact.

## Testing datasets

### Happy path

Use this data to simulate a successful inquiry or application:

| Field | Value |
|---|---|
| First Name | Any |
| Last Name | Any + `TestH` (e.g., `SmithTestH`) |
| Property Address | Any address in [Property Addresses](#property-addresses) |
| Date of Birth | Any valid date |
| Phone Number | Any valid number |
| Email | Any unique email address using your company domain (e.g., `testuser+123@yourcompany.com`) |
| Annual Income | $220,000 or higher |
| Employment | Full Time |
| SSN | Primary: `111-11-1111`{% br /%}Additional Signer: `111-11-1112` |

**Expected result:** Offers are available.

### Unhappy paths

For each scenario, use the [Happy Path](#happy-path) data except for the fields listed.

#### Asset depletion

| Field | Value |
|---|---|
| Annual Income | $25,000 |

**Expected result:** The income entered isn't enough to generate offers, so the borrower is asked to provide additional income or assets, or to select existing debts to pay off with the HELOC.

#### Manual SSN

| Field | Value |
|---|---|
| First Name | `Federick` |
| Last Name | `Moreno` |
| SSN | `666489780` |
| Date of Birth | `07-11-1922` |

**Expected result:** Figure can't match the applicant to a credit file and asks for the applicant's SSN. Enter the SSN above when prompted.

#### No AVM

| Field | Value |
|---|---|
| Property Address | 10555 Yeager Ave{% br /%}Hastings, FL 32145 |

**Expected result:** Figure can't value the property automatically and asks for an estimated property value. Enter a value over $400K to receive offers.

#### No offers

| Scenario | Field | Value |
|---|---|---|
| Bankruptcy | Last Name | `c84b7cb7-33c8-472b-a4cf-172bf62fc4f7` |
| Fraud | SSN | `111-11-1999` |

**Expected result:** No offers are available on the inquiry or application.

#### Credit profiles

| Scenario | Field | Value |
|---|---|---|
| FICO 529 | Last Name | `testo` |
| FICO 630 | Last Name | `test9` |
| FICO 849 | Last Name | `c049379a-0849-41ab-a8f0-2715a3a8be25` |
| Credit Locked | Last Name | `TestL` |
| Credit Frozen | Last Name | `TestN` |

**Expected result:** If the FICO score doesn't qualify for offers based on your pricing grid, no offers are available on the inquiry or application. If the credit profile is locked or frozen, the borrower is asked to unlock or unfreeze their credit and retry.

{% callout type="note" %}
You can test the retry for locked and frozen credit, but the credit profile can't be unlocked or unfrozen in UAT, so you'll return to the same screen.
{% /callout %}

### Property addresses

Use any of these property addresses for testing:

| State | Property Address |
|---|---|
| Alabama | 353 Golson Rd{% br /%}Prattville, AL 36067 |
| Alaska | 4933 Wesleyan Dr{% br /%}Anchorage, AK 99508 |
| Arizona | 4224 W Magdalena Ln{% br /%}Laveen, AZ 85339 |
| Arkansas | 13 Murray Dr{% br /%}Cabot, AR 72023 |
| California | 1066 Arbol Way{% br /%}San Jose, CA 95126 |
| Colorado | 4868 Sheridan Ave{% br /%}Loveland, CO 80538 |
| Connecticut | 15 Chaplin St{% br /%}Chaplin, CT 06235 |
| Delaware | 300 Beechwood Rd{% br /%}Wilmington, DE 19809 |
| District of Columbia | 1011 Douglas St NE{% br /%}Washington, DC 20018 |
| Florida | 356 Lanier Dr{% br /%}Palm Springs, FL 33461 |
| Georgia | 3082 Kensington Ct SW{% br /%}Atlanta, GA 30331 |
| Hawaii | 2345 Kipona Pl{% br /%}Honolulu, HI 96816 |
| Idaho | 3305 W Crescent Rim Dr{% br /%}Boise, ID 83706 |
| Illinois | 654 Summit St{% br /%}Elgin, IL 60120 |
| Indiana | 12831 Touchdown Dr{% br /%}Fishers, IN 46037 |
| Iowa | 411 Jason Ave{% br /%}Iowa Falls, IA 50126 |
| Kansas | 2939 N Clarence Ave{% br /%}Wichita, KS 67204 |
| Kentucky | 1226 Ghent Rd{% br /%}Lexington, KY 40502 |
| Louisiana | 208 Choctaw Rd{% br /%}Lafayette, LA 70501 |
| Maine | 41 Hutchinson Dr{% br /%}Augusta, ME 04330 |
| Maryland | 3104 Dunglow Rd{% br /%}Dundalk, MD 21222 |
| Massachusetts | 22 Betts Rd{% br /%}Belmont, MA 02478 |
| Michigan | 6707 Ashley Ct{% br /%}Waterford, MI 48327 |
| Minnesota | 2815 Inglewood Ave S{% br /%}Saint Louis Park, MN 55416 |
| Mississippi | 564 Arbor Dr{% br /%}Madison, MS 39110 |
| Missouri | 1233 Mount Olympus Dr{% br /%}Saint Peters, MO 63376 |
| Montana | 123 Anderson Blvd{% br /%}Helena, MT 59601 |
| Nebraska | 610 Windsor Dr{% br /%}Lincoln, NE 68528 |
| Nevada | 1009 Companion Way{% br /%}Henderson, NV 89011 |
| New Hampshire | 193 Kennard Rd{% br /%}Manchester, NH 03104 |
| New Jersey | 816 4th St{% br /%}Secaucus, NJ 07094 |
| New Mexico | 544 Los Nidos Dr{% br /%}Santa Fe, NM 87501 |
| New York | 407 Burley Rd N{% br /%}Rochester, NY 14612 |
| North Carolina | 201 Kindling Wood Ln{% br /%}Marvin, NC 28173 |
| North Dakota | 1227 34th Ave SW{% br /%}Minot, ND 58701 |
| Ohio | 2800 Pin Oak Ln NW{% br /%}Warren, OH 44481 |
| Oklahoma | 3320 S Darlington Ave{% br /%}Tulsa, OK 74135 |
| Oregon | 22284 SW Nottingham Ct{% br /%}Sherwood, OR 97140 |
| Pennsylvania | 675 Hampton Rd{% br /%}Shavertown, PA 18708 |
| Rhode Island | 76 Standish Ave{% br /%}Providence, RI 02908 |
| South Carolina | 1049 Lancaster St{% br /%}Columbia, SC 29201 |
| South Dakota | 943 Sitka St{% br /%}Rapid City, SD 57701 |
| Tennessee | 457 King Ave{% br /%}Memphis, TN 38109 |
| Texas | 8204 Sleeping Doe Dr{% br /%}Fort Worth, TX 76179 |
| Utah | 1376 S Sage Bloom Way{% br /%}Saratoga Springs, UT 84045 |
| Vermont | 50 Broadview Ave{% br /%}Newport, VT 05855 |
| Virginia | 2824 Forest Hills Rd{% br /%}Petersburg, VA 23805 |
| Washington | 19111 14th Dr SE{% br /%}Bothell, WA 98012 |
| West Virginia | 604 Everest Cir{% br /%}Charleston, WV 25177 |
| Wisconsin | 521 N 104th St{% br /%}Wauwatosa, WI 53226 |
| Wyoming | 1124 S David St{% br /%}Casper, WY 82601 |