Tag Archives: asset verification service

Argyle secures long-term U.S. GSA Multiple Award Schedule contract for income, employment and asset verifications

Agreement gives states a more cost-effective path to modernize Medicaid and SNAP eligibility using consent-based payroll and bank data connections, automated document-based workflows

NEW YORK CITY, N.Y., Feb. 3, 2026 (SEND2PRESS NEWSWIRE) — Argyle, the leading provider of direct-source income, employment and asset verifications, today announced it has secured a contract on the United States General Services Administration’s (GSA) Multiple Award Schedule (MAS) under contract number 47QTCA26D002N.

Image caption: Argyle secures long-term U.S. GSA Multiple Award Schedule contract.

The GSA MAS is a long-standing federal procurement program that gives state and federal agencies streamlined access to pre-vetted technology vendors at pre-negotiated pricing. Argyle’s inclusion enables agencies to procure modern verification capabilities more quickly and cost-effectively. The long-term award contract structure gives agencies confidence in Argyle as a stable, compliant partner as they prepare for increased verification volume tied to Medicaid and SNAP eligibility requirements.

Argyle provides real-time income, employment and asset verifications through consent-based connections to applicants’ payroll and financial accounts. When direct data connections are unavailable, Argyle’s automated document-based verifications serve as a fallback, extracting and validating information from paystubs and W-2s. Both approaches generate structured verification reports that integrate with eligibility and decisioning systems, giving states greater visibility into applicants’ financial eligibility while reducing manual burden and improving accuracy, consistency and processing speed.

“GSA MAS approval gives states a streamlined path to adopt Argyle’s verification technology in a cost-effective way,” said Argyle CEO Shmulik Fishman. “By lowering both procurement friction and the ongoing cost of verification, Argyle helps agencies manage growing eligibility workloads more efficiently while improving the experience for the individuals they serve.”

The Centers for Medicare & Medicaid Services (CMS) has also identified Argyle among technology companies that have made voluntary commitments to support state implementation of Medicaid community engagement requirements. This CMS fact sheet highlights technology providers states may consider as they evaluate more efficient, cost-conscious approaches to eligibility administration: https://www.cms.gov/newsroom/fact-sheets/fact-sheet-pledges-medicaid-technology-companies-support-community-engagement-implementation-related.

About Argyle:

Argyle is a consent-based verification (CBV) platform that helps agencies verify income, employment and assets more accurately, efficiently, and at scale. With an applicant’s permission, Argyle securely pulls verified income data directly from payroll providers and financial institutions using direct-source connections. When direct connections aren’t available, Argyle supports document uploads, processing submitted payroll documents with OCR to accurately classify income and include it in a standardized verification report delivered securely to the agency. By modernizing verification workflows, Argyle helps states reduce improper payments and error rates, streamline renewals and redeterminations, and lower verification costs by up to 80% compared to The Work Number. Argyle can be deployed as a standalone solution within state eligibility and renewal workflows or accessed through a secure verification link. The platform also powers additional consent-based verification tools, including CMS’s IVAAS tool. Named one of Fast Company’s World’s Most Innovative Companies in 2024, Argyle supports government benefits programs alongside its work in mortgage, personal lending, tenant screening, background checks, and the gig economy.

For more information on Argyle’s industry-leading verification platform, visit https://argyle.com/.

Tags: @withArgyle

NEWS SOURCE: Argyle

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Argyle secures funding to accelerate open finance infrastructure for verifications

New investment expands access to real-time, consumer-permissioned income, employment and asset data

NEW YORK CITY, N.Y., Sept. 23, 2025 (SEND2PRESS NEWSWIRE) — Argyle, the leading verification platform for direct-source income and employment data, today announced a strategic investment round with new participation from Mastercard alongside continued support from current investors Bain Capital Ventures, Checkr, Rockefeller Asset Management and SignalFire. The investment reflects growing market demand for modern, consumer-permissioned verifications.

Image caption: Argyle, the leading verification platform for direct-source income and employment data.

“This investment is more than capital—it’s validation,” said Shmulik Fishman, CEO of Argyle. “We’re deepening our ability to serve customers with a comprehensive verification platform built on real-time payroll connections and open finance capabilities. By combining these strengths, we’re eliminating friction from verification workflows and giving lenders, fintechs and tenant screeners a smarter path to faster, more accurate decisions.”

Building on the June launch of verification of assets powered by Mastercard open finance technology, Argyle now offers customers a unified platform for income, employment and asset verification that enables customers to:

Access real-time, consumer-permissioned payroll connections covering 90% of the U.S. workforce with Argyle—alongside consumer-permissioned bank connections from Mastercard for complete verification waterfalls
Generate GSE-compliant reports supporting verification of income (VOI), verification of employment (VOE), verification of assets (VOA) and combined verification of assets/income (VOAI) from one platform
Get dedicated, hands-on support from Argyle across all verification types

“Argyle has built critical infrastructure for a category that’s long been overlooked by modern fintech,” said Ajay Agarwal, partner at Bain Capital Ventures. “We’ve supported the company from the early stages, and this latest round reflects our continued belief in their team, their momentum and the long-term potential of consumer-permissioned data to transform verifications across financial services.”

Argyle has become the modern standard for verifying income, employment and now assets through its direct‑source payroll and banking connections, which are further supported by a document‑based verification fallback. Customers across industries are seeing measurable results:

Checkr cut verification timelines from days to seconds at 90% lower cost than legacy solutions.
Snappt increased renter application pull‑through by more than 30% while eliminating fraud using Argyle’s direct‑source data.
Regional Finance automated verifications for more than 65% of borrowers, reducing application processing time by up to 15 minutes.
Mutual of Omaha saved more than $50,000 per month on verification costs.
NFM Lending reduced the time it takes to get loans from application to clear-to-close by 10 days.
Lake Michigan Credit Union saved $100 per loan by switching to Argyle.

The list goes on. Argyle is transforming verification efficiency and accuracy for leading lenders, fintechs and rental and background screeners nationwide.

Argyle’s asset verification, powered by Mastercard, is now available. Learn more at https://argyle.com/use-cases/verification-assets/.

About Argyle:

Argyle is the leading provider of direct-source, consumer-permissioned income, employment and asset verifications, making it fast and easy to gain secure and reliable access to the most complete real-time datasets stored in consumers’ payroll and bank accounts. With Argyle, lenders automate verification workflows to save time, reduce fraud and compliance risks, lower costs and build better product experiences. As an authorized report supplier for Fannie Mae’s Desktop Underwriter® validation service and an approved service provider supporting Freddie Mac’s Loan Product Advisor® asset and income modeler (AIM), Argyle empowers mortgage lenders to auto-retrieve paystubs and W-2s, understand consumers’ ability to pay and improve loan quality—all at up to 80% less cost. Argyle’s commitment to innovation is backed by investors including Bain Capital Ventures, Checkr, Mastercard, Rockefeller Asset Management and SignalFire.

For more information on Argyle’s industry-leading verification platform, visit https://argyle.com/.

NEWS SOURCE: Argyle

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FormFree and Take3Tech integration brings AccountChek asset, income and employment verification to the LoanMAPS mortgage technology platform

ATHENS, Ga. /ScoopCloud/ -- FormFree® today announced it has partnered with Take Three Technologies (Take3Tech) to make its AccountChek® automated asset, income, and employment verification solutions available within LoanMAPS™, an all-in-one loan origination platform that encompasses a loan origination system (LOS), point-of-sale system (POS), customer relationship management system (CRM), compliance monitoring and report generation.

The integration enables loan originators to text or email borrowers a request to electronically verify asset, income and employment data without leaving the LoanMAPS user experience. Once borrower permission is granted, AccountChek uses securely encrypted, direct-source data to automatically populate underwriter-friendly verification of asset (VOA) and verification of income/employment (VOIE) reports, which are made available within LoanMAPS.

"We are proud to introduce AccountChek as a LoanMAPS integration partner. Our partnership enables lenders to provide a streamlined verification experience while reducing loan processing and underwriting times as well as fraud risk," said Take3Tech CEO Anita Padilla-Fitzgerald. "We look forward to helping lenders empower consumers with the speed and convenience of electronic data verification."

"FormFree is on a mission to make it easy for mortgage lenders to assess borrowers' ability to pay mortgage loans using high-fidelity, direct-source consumer data," said FormFree CEO and Founder Brent Chandler. "It is a pleasure to partner with Take3Tech to make the benefits of AccountChek available to more mortgage lenders and consumers."

Lenders interested in learning more about the Take3Tech and AccountChek integration should visit FormFree at booth #612 or set up a meeting with Take3Tech at the Mortgage Bankers Association (MBA) Technology Solutions Conference & Expo 2022 taking place April 11-14 at the Bellagio Hotel & Casino in Las Vegas.

About FormFree®:

As the industry's go-to provider for direct-source VOA and VOI/E data, FormFree helps lenders understand credit risk like never before. Our patented AccountChek® and Passport® products open doors to more inclusive credit decisioning by revealing each customer's true ability to pay (ATP®). We have completed over $3 trillion in loan verifications that help lenders lower operating costs while improving the borrower experience. For more information, visit https://www.formfree.com/ or follow FormFree on LinkedIn.

About Take Three Technologies:

Take Three Technologies developed LoanMAPS, a cloud-based and fully-integrated loan origination platform. With LoanMAPS, you can replace your current LOS, CRM, POS, and Report Generator with one easy-to-use solution that covers of all of your mortgage banking technology needs. From client management and origination to processing and closing, LoanMAPS is here for you with easy implementation and training at your fingertips. Reduce your cost to close and increase your productivity with LoanMAPS today. For more information, visit the company's website https://welcome.loanmaps.com/.

FormFree® today announced it has partnered with Take Three Technologies (Take3Tech) to make its AccountChek® automated asset, income, and employment verification solutions available within LoanMAPS™, an all-in-one loan origination platform that encompasses a loan origination system (LOS), point-of-sale system (POS), customer relationship management system (CRM), compliance monitoring and report generation.

Related link: https://www.formfree.com/

NRL Mortgage Now Offering FormFree’s AccountChek Automated Asset Verification to Borrowers Nationwide

ATLANTA, Ga. /ScoopCloud/ -- FormFree(R) today announced that loan originators and support staff at NRL Mortgage are now offering AccountChek(R) automated asset verification to loan applicants nationwide. AccountChek gives borrowers a convenient and secure way to verify their assets without having to print, scan or fax bank statements.

Houston-based NRL Mortgage selected AccountChek for its streamlined borrower experience, off-the-shelf integration with the Ellie Mae(R) Encompass(R) loan origination system and participation in rep and warrant relief initiatives offered by Fannie Mae and Freddie Mac. The lender's growth over the last year makes it a standout in the mortgage industry, which experienced an overall decline in year-over-year volume.

"NRL Mortgage prides itself on bringing our customers reliability and excellence in the residential lending experience, and to that end we are always looking to align ourselves with like-minded mortgage service providers like FormFree," said NRL Mortgage Chief Operations Officer Kevin Murphy.

"FormFree is proud to support a thriving company like NRL Mortgage with verification services that make the lending experience smoother and more secure for both originators and borrowers," said FormFree Founder and CEO Brent Chandler.

NRL Mortgage employs nearly 200 loan officers and serves borrowers in 46 states coast-to-coast. Recognized by the Houston Chronicle as a top workplace for four years in a row, NRL is Houston's highest-ranked employer in the financial services segment.

About FormFree(R):

FormFree is a fintech company whose market-leading AccountChek(R) Asset Reports are used by lenders nationwide to verify borrower assets, employment and income in minutes. To date, more than 1,000 U.S. lenders have ordered over 1.25 million AccountChek Asset Reports, delighting their customers with a paperless experience and reducing origination timelines by up to 20 days. FormFree offers automated analysis and standardized delivery to lenders and their investors using a secure ReIssueKey(TM). A HousingWire TECH100(TM) company for four consecutive years, FormFree is based in Athens, Georgia.

For more information, visit https://www.formfree.com/ or follow FormFree on LinkedIn.

About NRL Mortgage:

Founded in 2007 and headquartered in Houston, Texas, NRL Mortgage is currently licensed in 48 states and the District of Columbia. We specialize in the origination of residential mortgage loans across the United States. These loans include conforming conventional loans, jumbo loans, loans guaranteed by the Veterans Administration, loans insured by the Federal Housing Administration and loans backed by Rural Housing Department/ USDA. NRL has appeared on the Inc. 5000 list of fastest-growing private companies, the Houston Chronicle's Top Workplaces, and the Houston Business Journal's Fast 100. For more information: https://nrlmortgage.com/

Twitter: @RealFormFree @NRLMortgage #AccountChek #digitalmortgage #mortgagelending

Instagram: @NRLMortgage

FormFree today announced that loan originators and support staff at NRL Mortgage are now offering AccountChek automated asset verification to loan applicants nationwide. AccountChek gives borrowers a convenient and secure way to verify their assets without having to print, scan or fax bank statements.

Related link: https://www.formfree.com/

Ann Fulmer Joins FormFree as Chief Strategy and Industry Relations Officer

ATLANTA, Ga. /ScoopCloud/ -- FormFree(R) today announced that it has hired mortgage loan quality subject matter expert and analyst Ann Fulmer as its chief strategy and industry relations officer. FormFree's flagship product, AccountChek(R), is an asset verification app that streamlines the loan underwriting process for both borrowers and lenders, resulting in higher borrower satisfaction and shaving more than a week off the time it takes to close a loan.

In her role, Fulmer will drive FormFree's strategic planning and implementation, manage the firm's institutional relationships and interactions with federal and state regulators and oversee outreach to industry associations and advocacy groups. In addition, she will spearhead the firm's long-term development of a comprehensive mortgage compliance solution.

"Ann Fulmer has been a FormFree friend and advisor for years, so we already know that she is a tremendous asset with unmatched expertise in data-driven loan quality methodologies," said FormFree Founder and President Brent Chandler. "Her role is integral as we implement strategies for building even greater value and functionality into AccountChek and explore further asset-related innovations in consumer lending."

A nationally recognized strategist, thought leader, speaker and author specializing in data integrity, fraud and federal/Consumer Financial Protection Bureau (CFPB) regulatory compliance in mortgage loan originations, Fulmer has been a mortgage industry mainstay for more than 17 years.

Most recently, Fulmer was vice president of industry relations and strategy for First American Mortgage Solutions following its 2014 acquisition of mortgage fraud solutions provider Interthinx, a groundbreaking data and analytics innovater she joined in 2005. Previously, Fulmer built her grassroots mortgage fraud expertise in metro Atlanta in her roles as DeKalb County district attorney and in the county's tax assessor's office, where she helped develop metrics to identify mortgage fraud in property transactions.

"Thanks to the maturation of augmented intelligence and other digital solutions that automate data-intensive processes, the mortgage industry is poised to solve some of its most deeply-rooted challenges, and FormFree has led the way with its AccountChek asset verification app already transforming both the borrower and lender experience," said Fulmer. "Given my decades-long obsession with risk management and fraud mitigation in mortgage lending, joining FormFree as an employee feels a lot like coming home."

About FormFree(R):

Leading lenders trust FormFree's automated verification solutions that streamline the loan origination process and provide better intelligence on borrowers' ability to repay. FormFree's flagship app, AccountChek(R), eliminates the hassle of collecting paper statements from borrowers by using direct-access data untouched by human hands to consolidate, analyze and verify assets. AccountChek securely delivers automated asset verification data and on-demand reports to more than 350 leading U.S. lenders. A HousingWire TECH100(TM) company for four consecutive years, FormFree is based in Atlanta, Georgia.

For more information, visit http://www.formfree.com/.

*LOGO for media: Send2Press.com/mediaboom/17-0522s2p-formfree-300dpi.jpg

FormFree(R) today announced that it has hired mortgage loan quality subject matter expert and analyst Ann Fulmer as its chief strategy and industry relations officer. FormFree's flagship product, AccountChek(R), is an asset verification app that streamlines the loan underwriting process for both borrowers and lenders, resulting in higher borrower satisfaction and shaving more than a week off the time it takes to close a loan.

AccountChek by FormFree Automates Asset Verification for Users of Black Knight Financial Services’ LoanSphere Empower Loan Origination System

ATLANTA, Ga. /ScoopCloud/ -- FormFree(R) today announced the direct integration of its AccountChek(R) automated asset verification service with the LoanSphere(R) Empower(R) loan origination system (LOS) offered by Black Knight Financial Services, a leading provider of integrated technology, data and analytics to the mortgage and real estate industries.

LoanSphere Empower enables lenders to originate both first mortgages and home equity loans and lines of credit on a single system, improving data integrity and security, significantly reducing errors and eliminating the need for duplicate entry associated with managing multiple systems. The seamless integration with AccountChek provides LoanSphere Empower users the ability to verify and share asset and deposit information with their lenders in seconds without uploading bank statements.

"One of the many ways LoanSphere Empower helps lenders remain competitive is through seamless integrations with industry leading capabilities like AccountChek," said Jerry Halbrook, president of Black Knight's Origination Technologies and Enterprise Business Intelligence divisions. "Automated asset verification through AccountChek can reduce the loan approval process by days."

AccountChek was the first asset verification provider approved for participation in Fannie Mae's Day 1 Certainty(tm) initiative, which gives lenders that use the Desktop Underwriter(R) (DU(R)) Validation Service reps and warrants relief for validated components of a loan. The AccountChek integration with LoanSphere Empower enables users to benefit from the reps and warrants relief available with this program.

AccountChek streamlines the loan underwriting process for both borrowers and lenders, resulting in quicker decisions and higher borrower satisfaction. The mobile-optimized asset verification app securely connects with virtually any financial institution to consolidate, analyze and verify assets and deposits, delivering a safe and hassle-free experience for borrowers and greater purchase certainty for lenders.

"Black Knight shares our belief that a better borrower experience can co-exist with a more efficient, accurate and profitable lending workflow," said FormFree Founder and President Brent Chandler, who addressed attendees of Black Knight's 2017 Information Exchange in Orlando on April 24. "With AccountChek, LoanSphere Empower users relieve their customers of the burden of manual document submission while benefitting from the speed and accuracy of systematized asset review and analysis."

About FormFree(R):

Leading lenders trust FormFree's automated verification solutions that streamline the loan origination process and provide better intelligence on borrowers' ability to repay. FormFree's flagship app, AccountChek(R), eliminates the hassle of collecting paper statements from borrowers by using direct-access data untouched by human hands to consolidate, analyze and verify assets. AccountChek securely delivers automated asset verification data and on-demand reports to more than 350 leading U.S. lenders. A HousingWire TECH100(tm) company for four consecutive years, FormFree is based in Atlanta, Georgia. For more information, visit http://www.formfree.com/.

About Black Knight Financial Services, Inc.:

Black Knight Financial Services, Inc. (NYSE:BKFS) is a leading provider of integrated technology, data and analytics solutions that facilitate and automate many of the business processes across the mortgage lifecycle.

Black Knight Financial Services is committed to being a premier business partner that lenders and servicers rely on to achieve their strategic goals, realize greater success and better serve their customers by delivering best-in-class technology, services and insight with a relentless commitment to excellence, innovation, integrity and leadership. For more information on Black Knight Financial Services, please visit http://www.bkfs.com.

FormFree(R) today announced the direct integration of its AccountChek(R) automated asset verification service with the LoanSphere(R) Empower(R) loan origination system (LOS) offered by Black Knight Financial Services, a leading provider of integrated technology, data and analytics to the mortgage and real estate industries.

HLP to Offer Automated Asset Verification through Partnership with AccountCheck by FormFree

BALTIMORE, Md. /ScoopCloud/ -- HLP today announced it will integrate FormFree's AccountChek(TM) automated asset verification service into its communication platform, making it easier for consumers and HUD-certified, nonprofit housing counselors to apply for loan modifications and other options to avoid foreclosure. The partnership will enable consumers and their advocates to verify assets and deposits faster and more accurately using AccountChek's ultra-secure, fully digital process.

HLP, the only nonprofit technology provider in residential mortgage finance, has helped more than 500,000 homeowners seeking to avoid foreclosure since its founding in 2009. HLP connects consumers, HUD-certified housing counselors, mortgage lenders, servicers, investors, attorneys and government agencies on a single platform to build solutions that help individuals and families achieve and sustain homeownership.

"This partnership will benefit homeowners in financial distress by streamlining loss mitigation processing and taking it to a new level of efficiency, reliability and security," said Cam Melchiorre, president and CEO of HLP. "AccountChek provides all the documentation servicers need to determine a consumer's ability to pay under a home retention workout - without the frustration of gathering statements or dealing with lost or incomplete paperwork."

AccountChek by FormFree is a cloud-based service that securely connects with virtually any financial institution to analyze consumer assets and deposits, delivering a safe and hassle-free verification experience for borrowers and greater purchase certainty for lenders and investors. FormFree is Fannie Mae's first designated vendor for asset verification through Desktop Underwriter(r) (DU(r)) as part of its Day 1 Certainty(TM) program, which offers enforcement relief from certain reps and warranties for validated loan components.

"We are proud to help consumers avoid the burden of foreclosure by making asset verification a more painless part of the loss mitigation process," said Brent Chandler, founder and CEO of FormFree. "Through this integration with HLP, consumers and their advocates can now enjoy the same benefits AccountChek already delivers to borrowers applying for a new mortgage."

About Hope LoanPort (HLP)

Created in 2009, HLP powered by RX Office is a nonprofit collaborative that connects counselors, advocates, mortgage lenders, servicers, investors, attorneys and government agencies to build solutions that help individuals and families achieve and sustain homeownership. HLP unifies the housing industry by encouraging stakeholders to share information with each other via its technology platform and collaborate to find solutions to help homeowners. To date, HLP has helped more than 500,000 homeowners during their time of need. For more information, visit https://www.hlp.org/.

About FormFree

Leading lenders trust FormFree's automated verification solutions that streamline the loan origination process and provide better intelligence on borrowers' ability to repay. FormFree's flagship app, AccountChek(TM), eliminates the hassle of collecting paper statements from borrowers by using direct-access data untouched by human hands to consolidate, analyze and verify assets. AccountChek securely delivers automated asset verification data and on-demand reports to more than 350 leading U.S. lenders. A HousingWire TECH100(TM) company for four consecutive years, FormFree is based in Atlanta, Georgia. For more information, visit http://www.formfree.com/.

HLP (Hope LoanPort) today announced it will integrate FormFree's AccountChek(TM) automated asset verification service into its communication platform, making it easier for consumers and HUD-certified, nonprofit housing counselors to apply for loan modifications and other options to avoid foreclosure.