Tag Archives: automated verification of assets

Argyle and LenderLogix partner to embed automated income, employment, and asset verification at the start of the loan process

New integration gives mortgage lenders access to high-quality VOIE and VOA data within LenderLogix's LiteSpeed POS

NEW YORK CITY, N.Y., Aug. 5, 2025 (SEND2PRESS NEWSWIRE) — Argyle, a service provider automating income, employment and asset verifications for some of the largest lenders in the United States, today announced its integration with LenderLogix, a leading provider of mortgage point-of-sale (POS) and automation software for banks, credit unions, independent mortgage banks and brokers.

Image caption: Argyle and LenderLogix partner.

Through the integration, mutual customers of Argyle and LenderLogix can embed verification directly into LiteSpeed, LenderLogix’s modern point-of-sale platform. The result is a more automated, seamless experience for borrowers and more complete, accurate data for lenders from the very start of the application process.

Key integration benefits:

Embedded verification at the point of sale:
Lenders can now request and receive income, employment, and asset verification within the borrower-facing LiteSpeed application experience with no emails, portals or manual uploads required.
Higher-quality loan files from day one:
With real-time payroll and bank data connections, lenders gain access to structured income and transaction data, pay stubs, and W-2s with full consumer permission, reducing manual document collection and accelerating loan file completeness.
Automated data flow across systems:
Verified data can be easily passed from LiteSpeed into downstream loan origination systems (LOS) and automated underwriting systems (AUS), supporting more confident credit decisions.
Improved borrower experience:
Reducing friction and manual touchpoints means a faster, simpler loan experience for borrowers and fewer back-and-forth requests for paperwork.

“Embedding Argyle’s verification technology into LiteSpeed is a natural next step in helping lenders modernize their workflows,” said Patrick O’Brien, co-Founder and CEO of LenderLogix. “We want to give our customers the flexibility to choose the partners that fit their strategy, and Argyle offers a powerful combination of automation, data accuracy and borrower experience that aligns well with our vision.”

“Our integration with LenderLogix is about giving lenders a better way to verify income, employment, and assets that’s embedded, automated and available from the first borrower interaction,” said John Hardesty, vice president of Argyle’s mortgage division. “By combining LiteSpeed’s intuitive borrower experience with Argyle’s real-time data, we’re making it easier for lenders to build complete loan files faster and with greater confidence.”

“With Argyle embedded in LenderLogix’s LiteSpeed, we are able to verify income and employment instantly—right at the start of the application,” said Wayne King, EVP Corporate Relations of Encompass Lending Group. “It reduces our manual collection needs and improves borrower satisfaction. This kind of automation is exactly what we need to stay competitive and aligns perfectly with our concierge customer service mission.”

About Argyle:

A leading provider of direct-source, consumer-permissioned verifications, Argyle provides fast, secure and reliable access to real-time data from consumers’ payroll and banking accounts. With Argyle’s automated verification workflows, mortgage lenders, fintechs and tenant screeners save time and money, reduce fraud and compliance risk and deliver superior 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, SignalFire, Checkr and Rockefeller Asset Management.

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

About LenderLogix

LenderLogix leverages the four decades of firsthand mortgage origination and real estate experience of its executive team to design customized software to meet the needs of today’s mortgage lenders. The company’s suite of products addresses the speed at which today’s real estate market moves by delivering technology solutions that create agile and informed borrowers, build strong referral partners and ultimately save lenders time and money. For more information, visit https://www.lenderlogix.com/.

Tags: @withArgyle @LenderLogix #mortgageinnovation #digitalmortgage

NEWS SOURCE: Argyle

This press release was issued on behalf of the news source (Argyle), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/argyle-and-lenderlogix-partner-to-embed-automated-income-employment-and-asset-verification-at-the-start-of-the-loan-process/

Informative Research Integrates AccountChek® with Halcyon to Automate Income Validation

GARDEN GROVE, Calif., May 15, 2025 (SEND2PRESS NEWSWIRE) — Informative Research, a premier technology provider delivering data-driven credit and verification solutions to the lending community, today announced a strategic integration with Halcyon, a fintech innovator revolutionizing income verification through real-time access to IRS tax transcript data. This integration delivers verification of employment and income (VOE/I) reports—including payroll and paystub data—directly into Halcyon’s income calculator, enabling faster, more automated income assessments.

Image caption: Informative Research.

The data is obtained through Informative Research’s AccountChek® consumer-permissioned connectivity to major payroll providers. By directing this information into Halcyon’s income calculator, the integration facilitates real-time, automated income validation that complies with investor guidelines and rep and warrant relief strategies.

“This is a solution designed for scalability,” said Kirk Donaldson, CEO of Halcyon. “Whether validating pay stubs, W-2s or tax transcripts, lenders receive verified data and completed income calculations. It’s faster, more cost-effective and automated.”

The integration supports modern mortgage operations without compromising compliance or control by emphasizing automation, auditability and borrower transparency. Lenders gain access to secure, permissioned income data while enhancing efficiency and delivering a smoother borrower experience.

“This is an exciting advancement of our partnership, bringing together IR’s payroll-direct income and employment verifications with Halcyon’s rich tax data and proprietary income calculation capability,” said Steve Schulz, executive vice president at Informative Research. “Together, we’re equipping lenders with a streamlined way to analyze and validate income in a fast, compliant and cost-effective way, and this is just the beginning—we’re already working on additional innovations with Halcyon that will bring even more value to our clients.”

About Informative Research

Informative Research, a Stewart company, is a premier technology provider delivering data-driven credit and verification solutions to the lending community. The solutions provider currently serves mortgage companies, banks, and lenders throughout the United States. The company is recognized for streamlining the loan process with its straightforward service model, progressive solutions, and cutting-edge technology. To learn more, visit https://www.informativeresearch.com/.

About Halcyon

Halcyon assists in deepening lenders’ overall relationship with their borrowers to offer products and services specific to everyone, creating additional revenue streams beyond the initial loan closing. They have multiple products that ensure you will know more about your borrower every step of the way – IRS income & tax transcripts, digitally prepared tax returns, and a Registered Investment Advisory platform to offer full financial services to your borrowers. Visit https://www.halcyonsw.com/.

NEWS SOURCE: Informative Research

This press release was issued on behalf of the news source (Informative Research), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/informative-research-integrates-accountchek-with-halcyon-to-automate-income-validation/

Argyle partners with Dark Matter to bring seamless direct-source income and employment verifications to Empower LOS customers

NEW YORK CITY, N.Y. /ScoopCloud/ -- Argyle, a platform providing automated income and employment verifications for some of the largest lenders in the United States, announced today its integration with the Exchange, an interconnected network of mortgage-specific service providers available to customers of the Empower® loan origination system (LOS) from Dark Matter Technologies. This collaboration simplifies the income and employment verification process for lenders, further amplifying the cost and time-saving benefits of digital borrower verification.

The native integration makes it easy for lenders to order Argyle's verification of income (VOI) and verification of employment (VOE) reports through the Empower LOS. Lenders have the flexibility to configure where VOI and VOE report ordering occurs in the loan origination workflow to support their manufacturing process and desired borrower experience. When borrowers connect through Argyle, direct-source data, reports and associated documentation are made available in Empower and refreshed throughout the loan cycle.

In October, Argyle announced its status as an authorized income and employment report supplier for Fannie Mae's Desktop Underwriter® (DU®) validation service. The Empower system's integrations with both Argyle and DU enable lenders to benefit from greater purchase certainty on expedited timelines.

"We are extremely excited to bring Argyle's enhanced verification of income and employment capabilities to the Empower system. Together, we've built an ideal integration that vastly improves the home financing process," said Shmulik Fishman, CEO of Argyle. "We are passionate about providing a best-case experience to as many customers and consumers as possible, and our partnership with Dark Matter Technologies does just that."

"As a customer of both Argyle and a current partner of Dark Matter Technologies, we know first-hand how this integration will improve our processes and service capabilities for our members," said John Harpst, VP of mortgage strategy at Lake Michigan Credit Union. "Argyle has proven a vitally important partner for us, and we look forward to increasing efficiency and data security through increased adoption of Argyle and its integration with the Empower LOS."

"We recognize the incredible effort lenders invest in perfecting the homebuying experience for borrowers and manufacturing loans efficiently, and we're here to support them every step of the way," said Rich Gagliano, CEO at Dark Matter Technologies. "Our native integration with Argyle underscores our commitment to supporting lenders in their choice of tools and processes. We aim to make the homebuying process a modern and enjoyable experience for everyone involved."

About Argyle:

Argyle is the leading provider of direct-source access to real-time income and employment data. With Argyle, companies automate critical workflows-including income and employment verifications, deposit switches, wage advances and loan repayments-so they can build better, more efficient processes, reduce risk and scale their business. Argyle largely serves the mortgage, background checks, personal lending and banking industries as well as the gig economy.

Founded in 2018, Argyle has raised over $77.6 million in capital and is backed by top investors, including Bain Capital Ventures, Bedrock, Checkr, F-Prime and SignalFire. Argyle's coverage of the U.S. workforce includes 99% of the Fortune 1000, is superior to the three largest credit bureaus and delivers hit rates higher than other data providers. Argyle has been recognized by Fintech Nexus as an Emerging Fintech Innovator, Forbes as one of America's Best Startup Employers, Tearsheet as the Best Alternative Data Product and Fintech Futures as a 2023 Fintech Startup of the Year. Argyle is also an authorized report supplier for Fannie Mae's Desktop Underwriter® validation service, a component of Day 1 Certainty®.

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

To stay up to date on all Argyle news, sign up for our newsletter here: https://argyle.com/blog/.

About Dark Matter Technologies:

Operating with the nimble nature of a startup and the disciplined maturity of one of the industry's leading providers, Dark Matter Technologies delivers cutting-edge technology, unparalleled automation and relentless innovation to leading mortgage lenders and companies nationwide. For more information, visit https://dmatter.com/.

Argyle, a platform providing automated income and employment verifications for some of the largest lenders in the United States, announced today its integration with the Exchange, an interconnected network of mortgage-specific service providers available to customers of the Empower® loan origination system (LOS) from Dark Matter Technologies. This collaboration simplifies the income and employment verification process for lenders, further amplifying the cost and time-saving benefits of digital borrower verification.

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

FormFree’s AccountChek can now be used by mortgage lenders to satisfy Freddie Mac’s assessment of income requirement for loan applicants paid through ADP

ATHENS, Ga. /ScoopCloud/ -- FormFree® today announced that mortgage lenders can now use AccountChek® to automate income assessment using Freddie Mac Loan Product Advisor® (LPA℠) asset and income modeler (AIM) for borrowers who are paid through ADP.

AIM automates the assessment of borrower income using direct-source employer and payroll service data furnished by a Freddie Mac designated third-party service providers like FormFree. ADP is the first payroll provider eligible for automated verification of income (VOI) through AIM. AccountChek supports this expansion by enabling borrowers to authorize electronic verification of their ADP payroll data.

FormFree is a leading provider of consumer-permissioned verification of asset (VOA) and verification of income and employment (VOI/E) data to the mortgage industry. The company's flagship verification service, AccountChek, enables consumers to verify income and employment with more than 50 payroll providers and 100,000 employers. The company's extensive payroll partnerships enable AccountChek to furnish payroll data and W-2s that meet Freddie Mac selling requirements.

"FormFree applauds Freddie Mac for its continuous innovation that helps lenders execute a simpler, more efficient loan origination process," said FormFree Founder and CEO Brent Chandler. "Giving lenders the ability to automatically assess income dispersed by the world's largest payroll provider will extend the convenience of digital VOI to an expansive cohort of homebuyers. We look forward to supporting Freddie Mac as it adds more payroll providers to AIM."

"Automation of a mortgage applicant's income using payroll provider data has numerous benefits for our clients and their customers - it's really a win all around," said Kevin Kauffman, Single-Family Vice President of Client & Partner Delivery at Freddie Mac. "Our partnership with FormFree is helping our clients reduce costs through process efficiencies, which can lead to savings for their customers, and it also delivers better risk management in all economic cycles."

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.

FormFree® today announced that mortgage lenders can now use AccountChek® to automate income assessment using Freddie Mac Loan Product Advisor® (LPA℠) asset and income modeler (AIM) for borrowers who are paid through ADP.

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

FormFree’s Expanded Income and Employment Verification Covers 85% of Working Americans

ATHENS, Ga. /ScoopCloud/ -- FormFree® today announced its AccountChek® 3n1 (3n1) asset, employment and income verification service now covers 85% of U.S. workers whose employers utilize a payroll processing service, representing over 100 million wage earners.

As the pioneer of the mortgage industry's first truly automated verification of assets (VOA) solution complete with government-sponsored enterprise (GSE) rep and warrant relief, FormFree has enhanced income and employment verification for its 3,000-plus lender customers with direct-source data from 35 of the nation's largest payroll service providers.

3n1 addresses a critical need for lenders and GSEs to capture structured, direct-source data and original income documentation at a cost-effective price point. Direct-source payroll data provides a more current understanding of a borrower's ability to pay (ATP) and mitigates risks associated with human error and document fraud. With 3n1, FormFree enables lenders to deliver a world-class borrower experience and directly addresses key industry pain points by electronically furnishing lenders with high-fidelity income and employment data.

Said David Battany, EVP of capital markets for Guild Mortgage (NYSE: GHLD), "Instant employment and income verification supported by paystubs and W-2s is something we've been waiting for. We are committed to offering a best-in-class borrower experience. With innovative partners like FormFree by our side, we are confident we can achieve our goal of increasing financial inclusion." Guild Mortgage has worked with FormFree since participating in Fannie Mae's Day 1 Certainty® pilot in 2016.

"We are always looking for innovative solutions that make mortgages faster and easier for our borrowers and teams," said Trinity Oaks Mortgage President Michael Kuentz. "We've relied on FormFree's asset solution to streamline the loan process and cut down on time to close for several years. FormFree's new income and employment solution is the right product at the right time."

With 3n1, borrowers authorize payroll providers to electronically share their six most recent paystubs and most recent W-2 with lenders and refresh that documentation within 10 days of the loan closing.

3n1 saves lenders time and money by providing accurate data and universally accepted supporting documents up-front. This makes for a faster, cleaner underwriting and closing experience and prevents lenders from having to going back to borrowers to chase down more documents.

"Mortgage lenders have been longing for an income and employment solution with wider employer coverage. FormFree's vision goes even further, combining expansive coverage with their time-tested asset solution," said Rajesh Bhat, CEO at digital mortgage platform Roostify. "This is a welcome innovation that we look forward to offering through our platform."

"Getting investor-accepted, up-to-date employment and income verification along with the most recent paystubs and W-2s - all in less than 30 seconds - is a game changer," said Ben Miller, co-founder of homeownership platform SimpleNexus. "This is the kind of advancement our industry needs and borrowers deserve."

"We hear loud and clear that our lenders and partners are looking for better ways of validating borrower employment and income with the security, accuracy and efficiency of direct-source data at a disruptive price point," said Brent Chandler, CEO at FormFree. "As the pioneers of automated asset verification, we will continue to lead the mortgage industry to its fully digital destination, ultimately arriving at a holistic view of a consumer's financial DNA in a single Passport."

About FormFree®

FormFree® is a market-leading fintech company whose revolutionary products AccountChek® and Passport® make for a more inclusive credit decisioning landscape by enabling lenders to understand people's true ability to pay (ATP®). To date, thousands of U.S. lenders and brokers have ordered millions of FormFree's patented verification reports representing trillions of dollars in loan verifications. FormFree delights borrowers and lenders with a paperless experience, dramatically reduces origination timelines and offers automated analysis and standardized delivery to lenders and investors using a secure ReIssueKey®.

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

Twitter: @RealFormFree #mortgageindustry #fintech #branding #financialinclusion

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FormFree® today announced its AccountChek® 3n1 (3n1) asset, employment and income verification service now covers 85% of U.S. workers whose employers utilize a payroll processing service, representing over 100 million wage earners.

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