Tag Archives: verification of income and employment

Argyle extends its mortgage verification experience to the wholesale channel with the launch of a broker-branded borrower experience

Brokers can now offer proven direct-source income, employment and asset verification under their own name

NEW YORK CITY, N.Y., Sept. 16, 2026 (SEND2PRESS NEWSWIRE) — Argyle, the leading consumer-permissioned verification platform, today announced the launch of a new solution that enables wholesale mortgage lenders to extend income, employment, and asset verification across their broker networks with a broker-branded borrower experience. The solution is available through Argyle’s Verification API as well as through Encompass® TPO Connect from ICE Mortgage Technology®.

Image caption: Argyle logo.

Argyle’s verification experience is already used by retail mortgage lenders to move borrowers through income, employment and asset verification in minutes. Extending that same experience to wholesale requires accounting for a different relationship: the broker, not the lender, is the borrower’s primary point of contact. Argyle’s new solution preserves that relationship by including the broker’s name and contact information in verification invites, so borrowers recognize who the request came from and know exactly who to contact with questions.

While the experience reflects the broker relationship, the process behind it is unchanged. Borrowers share their income, employment and asset data straight from the payroll or bank source, and the lender receives GSE-approved direct-source documentation to underwrite the file. Where payroll and banking connectivity isn’t available, brokers can offer document-based income verification within the same flow.

For wholesale lenders using Argyle’s Verification API or Encompass TPO Connect, the new solution delivers:

Faster turn times to clear to close: Standardized, direct-source documentation supports cleaner files, reducing underwriting follow-up and back-and-forth with brokers and borrowers.
One setup across the broker channel: A single configuration generates broker-specific invites, eliminating the need to build or maintain a separate setup for each broker.
A more competitive offering for brokers — Lenders can offer brokers a lower-cost verification option than they absorb today, with document-based income verification available as a fallback.

For brokers, it delivers:

Broker-branded borrower communications: Verification invites include the broker’s name and contact information, so the broker remains the borrower’s point of contact throughout the process.
Lower verification costs: Brokers can access consumer-permissioned verification at a lower price point than traditional verification options.
Less back-and-forth: Direct-source verification can reduce document collection and follow-up, helping brokers move loans forward faster.

“Wholesale is a part of the mortgage market we’ve wanted to serve well for a long time,” said John Hardesty, chief revenue officer at Argyle. “Brokers have earned the trust and relationships they build with borrowers, and now they can offer the same fast, direct-source verification experience under their own name while wholesale lenders extend Argyle across their broker networks.”

“Consistency creates a smoother path from application to closing,” said Rebecca Erb, AVP product manager at PwrTPO. “When income, employment, and asset documentation comes back the same way every time, our underwriters spend less time on follow-up requests and more time clearing loans. Giving our TPO partners a streamlined validation experience that includes their name in borrower communications, reduces documentation, and comes at a lower cost creates real value for both our partners and their borrowers.”

The broker-branded borrower experience is available now to wholesale mortgage lenders through Argyle’s Verification API or through Encompass TPO Connect. Wholesale lenders can learn more or contact us to get started at argyle.com/contact-sales.

About Argyle

Argyle is the leading consumer-permissioned verification platform empowering consumers to share their income, employment, and asset data through consumer-directed payroll and bank connections. With Argyle, lenders automate verification workflows to save time, reduce fraud and compliance risks, lower costs and build better product experiences. As an authorized 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 receive the paystubs and W-2s applicants share, understand applicants’ 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 and SignalFire.

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

Tags: @withArgyle

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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-extends-its-mortgage-verification-experience-to-the-wholesale-channel-with-the-launch-of-a-broker-branded-borrower-experience/

Argyle launches unified 3-in-1 Verification Suite for mortgage lenders

New verification product brings income, employment and asset verification together in a single, consumer-permissioned workflow

NEW YORK CITY, N.Y., March 16, 2026 (SEND2PRESS NEWSWIRE) — Argyle today announced the launch of its 3-in-1 Verification Suite, a unified verification product that brings verification of income (VOI), verification of employment (VOE) and verification of assets (VOA) together in a single, consumer-permissioned workflow. The consolidated Verification Suite enables mortgage lenders to manage multiple verification types through one interface, reducing the operational complexity of working across multiple vendors, integrations and contracts.

Image caption: Argyle.

The 3-in-1 Verification Suite includes direct source payroll, direct source banking and DOC VOI, which extends automation to document-based income verification when direct-source payroll connections are unavailable. Doc VOI automatically extracts and analyzes data from borrower-uploaded paystubs and W-2s, reducing manual document review while keeping loan files moving forward.

The Verification Suite is designed to streamline pre-approval, processing and underwriting workflows across the mortgage lifecycle. Along with creating a better experience for lending teams, it simplifies the verification experience for borrowers through a combined journey. Argyle is also introducing two-way communication between the point of sale (POS) and loan origination system (LOS), meaning that verifications started in the POS can be viewed and refreshed downstream without the need to toggle between systems.

“In mortgage origination, lenders typically rely on a combination of verification methods to support different borrower scenarios,” said John Hardesty, senior vice president of revenue at Argyle. “Our 3-in-1 Verification Suite brings income, employment and asset verification together into one experience, helping lenders automate more of their pipeline, reduce manual touchpoints and qualify borrowers faster.”

“It’s a really exciting development, and we’re grateful for the folks at Argyle acting on our feedback,” said Chris Sutherland, director of production strategy at American Pacific Mortgage. “With the success we’ve seen using Argyle for income and employment, adding assets was the obvious next step, and they’ve done some serious development to create continuity between the POS and LOS. The result is an intuitive borrower experience, and makes for a streamlined one-stop-shop for our branches.”

For more information about Argyle’s 3-in-1 Verification Suite, visit https://www.argyle.com/.

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://www.argyle.com/.

Tags: @withArgyle #mortgagelending #lending #underwriting #digitalmortgage #mortgagetech

NEWS SOURCE: Argyle

To view the original story, visit: https://www.send2press.com/wire/argyle-launches-unified-3-in-1-verification-suite-for-mortgage-lenders/

Informative Research appoints fintech veteran Mark Jones as senior vice president of partner success

GARDEN GROVE, Calif., March 3, 2026 (SEND2PRESS NEWSWIRE) — Informative Research (IR), a leading technology provider of data-driven credit and verification solutions for the lending industry, today announced the appointment of Senior Vice President of Partner Success Mark Jones. In this role, Jones will develop and scale a strategy to expand IR’s market reach and strengthen partnerships across the mortgage and fintech ecosystem. Working with the product, marketing, finance and client success teams, Jones will lead efforts to formalize partner onboarding and performance standards to improve consistency and operational efficiency.

Image caption: Mark Jones, SVP of Partner Success at Informative Research.

“Mark’s experience building effective partnerships in complex, tech-forward environments makes him an ideal leader for this role,” said Executive Vice President and Head of Client Success and Sales James Boss. “His ability to align product, sales and partner strategy will be instrumental as we scale our channel program and deliver even greater value to our clients.”

Jones brings more than 20 years of experience in financial technology, strategic networking and product leadership. Throughout his career, Jones has focused on identifying client needs, creating innovative solutions and building long-term relationships that promote sustainable profitability. Known for his collaborative leadership style and executive presence, he has consistently paired technical acumen with measurable business outcomes.

“As the mortgage industry continues to evolve, stable business connections are essential to delivering seamless, secure and scalable solutions,” said Jones. “Informative Research has a long-standing reputation for operational excellence. I look forward to building a network that strengthens our value proposition and drives meaningful growth for IR, our partners and our clients.”

Most recently, Jones served as Partner Account Manager at Intercontinental Exchange (ICE) Mortgage Technology, where he managed large strategic partners and helped drive year-over-year revenue growth. Previously, Jones held leadership roles at Accenture, where he built strong cross-functional alignment across the sales, marketing and product teams and managed go-to-market strategies and product roadmaps. Earlier in his career, he was a vice president at Prime Alliance Solutions, helping scale the business and grow its customer base significantly.

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.

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-appoints-fintech-veteran-mark-jones-as-senior-vice-president-of-partner-success/

Informative Research Expands Verification Platform with Halcyon Integration

GARDEN GROVE, Calif., July 14, 2025 (SEND2PRESS NEWSWIRE) — Informative Research (IR), a premier technology provider delivering data-driven credit and verification solutions to the lending community, today announced the availability of Halcyon’s IRS tax transcript service within the IR Verification Platform. This enhancement expands Informative Research’s suite of verification of income and employment (VOI/E) options, enabling lenders to access secure, permissioned tax transcript data directly from the IRS through Halcyon’s technology.

Image caption: Informative Research (IR) logo.

Integrating Halcyon into the IR Verification Platform gives lenders more flexibility to automate income validation, meet investor rep and warrant relief requirements, and streamline workflows with trusted income data sources.

“This collaboration not only marks a significant step forward in our partnership with Halcyon, but it also enhances our platform’s ability to support lender verification strategies with precision and efficiency,” said Informative Research Executive Vice President Steve Schulz. “By incorporating IRS-sourced income data, we’re giving lenders another powerful, automated tool for verifying borrower income, thus streamlining the process while maintaining compliance and confidence.”

The announcement builds on Informative Research’s previously announced partnership with Halcyon, which brought AccountChek® consumer-permissioned payroll data into Halcyon’s Income Analyzer.

“Making our IRS transcript solution available through Informative Research is a powerful step forward,” said Kirk Donaldson, CEO of Halcyon. “We’re helping lenders reduce friction, increase compliance, and move closer to a fully automated income verification experience.”

About Informative Research

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

To view the original story, visit: https://www.send2press.com/wire/informative-research-expands-verification-platform-with-halcyon-integration/

Argyle launches new integration, bringing real-time income and employment verification to Byte LOS customers

New integration accelerates loan processing, enhances loan quality and embeds verification in the loan origination workflow

NEW YORK CITY, N.Y., May 20, 2025 (SEND2PRESS NEWSWIRE) — Argyle, a platform providing automated income and employment verifications for some of the largest lenders in the United States, today announced a new integration with Byte Software’s loan origination system (LOS). The integration enables lenders to access Argyle’s real-time verification of income and employment (VOIE) services directly within the Byte platform, ensuring verification happens when and where it’s needed to improve loan quality and keep loans moving forward.

Image caption: Argyle launches new integration, bringing real-time income and employment verification to Byte LOS customers.

Accelerated loan processing: Argyle retrieves income and employment data, including supporting documents such as pay stubs and W-2s, directly from payroll providers and employers, automatically importing VOIE data into the loan file and reducing cycle times by 5–7 days per loan.
Improved loan quality: As an approved service provider for Freddie Mac’s Loan Product Advisor® (LPA℠) asset and income modeler and an authorized report supplier for Fannie Mae’s Desktop Underwriter® (DU®) validation service, Argyle gives Byte customers access to immediate GSE assessment of eligibility for representation and warranty relief.
Cost savings: Lenders using Argyle’s integration with Byte can realize up to 80% in verification cost savings over legacy providers, including the ability to re-verify income and employment at no additional cost.
Better borrower experience: Argyle improves borrower satisfaction by eliminating the need for manual document collection, removing friction from the user experience.

Argyle verifies income and employment through secure connections with the borrower’s employer or payroll provider. With real-time access to payroll data, Byte users can generate verification reports that reflect the most current income and employment data available throughout the loan process.

“Our integration with Byte gives lenders access to GSE-approved, consumer-permissioned income and employment data and documents at a significantly lower price point than legacy solutions,” said John Hardesty, vice president of Argyle’s mortgage division. “Income and employment verifications in the Byte loan origination system gives lenders an edge in a competitive market, ensuring loans move forward efficiently with accurate, up-to-date income and employment data.”

Mark Todd, Byte’s EVP of sales and client services, shared similar sentiments: “We are thrilled to partner with Argyle to bring real-time income and employment verification to our platform. This integration aligns with our commitment to providing our clients with innovative technology solutions that enhance the borrower experience and streamline the loan origination process.”

For more information about Argyle’s LOS integrations, visit https://argyle.com/use-cases/loan-origination-systems.

About Argyle:

Argyle is the leading provider of direct-source, consumer-permissioned income and employment verifications, making it fast and easy to gain secure and reliable access to the most complete real-time datasets stored in consumers’ payroll 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 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 VOIE platform, visit https://argyle.com/

Tags: @withArgyle #mortgage #lending

NEWS SOURCE: Argyle

To view the original story, visit: https://www.send2press.com/wire/argyle-launches-new-integration-bringing-real-time-income-and-employment-verification-to-byte-los-customers/

Argyle debuts integration with Encompass Consumer Connect, upgrades existing integration with Encompass from ICE Mortgage Technology

Integrations work together to pre-populate the URLA while reducing lender costs, accelerating closings and removing borrower friction

NEW YORK CITY, N.Y., May 13, 2025 (SEND2PRESS NEWSWIRE) — Argyle, a service provider automating income and employment verifications for some of the largest lenders in the United States, today announced the debut of its integration with Encompass® Consumer Connect™, a digital mortgage point-of-sale solution from ICE Mortgage Technology®, part of Intercontinental Exchange (NYSE: ICE). In addition, Argyle announced the release of significant upgrades to its existing integration with ICE Mortgage Technology’s flagship Encompass® loan origination system. Both integrations are built on the Encompass Partner Connect™ platform, ICE’s latest API framework for third-party mortgage technology service connections.

Image caption: Argyle debuts integration with Encompass Consumer Connect.

NEW: Consumer Connect POS integration

With Consumer Connect, borrowers can complete mortgage applications on any device, accelerating the loan verification and approval process with an engaging and simple digital mortgage experience. By enabling lenders to embed award-winning verification of income and employment (VOIE) in the application when borrowers are most engaged, Argyle’s Consumer Connect integration streamlines the loan process from the very start. Key benefits include:

Higher borrower conversion and faster processing times
Embedding verification helps remove obstacles for lenders and borrowers, leading to higher application completion rates. By capturing income and employment data earlier in the loan process, lenders reduce bottlenecks that typically delay approvals, increasing the likelihood of moving the loan into processing.
Interoperability with Encompass LOS
Borrower income and employment data collected by Argyle in Consumer Connect automatically transfers to Encompass. This enables the origination team to access and refresh additional paystubs, W-2s and 1099s directly in Encompass whenever needed—thus streamlining the loan process from application submitted to funding.
Faster, More Accurate AUS Submission
In addition to W-2s, pay stubs and VOIE reports, Argyle’s raw income data elements automatically populate in the Uniform Residential Loan Application (URLA) to accelerate GSE rep and warrant (R&W) determination.

IMPROVED: Encompass LOS Integration
In addition to the new Consumer Connect integration, Argyle has rolled out major enhancements to its Encompass integration, including:

Streamlined order flow
A redesigned, single-page experience that clearly outlines the status of borrower accounts. Easily order, track and reverify—all from one convenient view.
Transparent order tracking for reports
Argyle clearly outlines the status of your verification requests, ensuring you have the necessary data to move the loan forward.
Simplified, automated re-verifications
If the verification is outside of your closing window, Argyle will issue a status update with instructions for re-engaging the borrower and will automatically generate and send the closing verification of employment (VOE) to the Encompass eFolder.
Better support for loan teams
Improved email notifications make it easier for team members assigned to the loan file to follow along the status of a verification.

“Embedding Argyle into Consumer Connect and enhancing our Encompass integration brings a new level of automation and borrower ease to customers of ICE Mortgage Technology,” said John Hardesty, Vice President of Mortgage at Argyle. “By placing verification at the start of the borrower journey and optimizing workflows throughout the loan process, lenders can improve efficiency, reduce processing times and deliver a better experience for both borrowers and origination teams.”

For more information, visit Argyle on the ICE Marketplace.

Encompass Partner Connect enables the integration of key third-party products and services with ICE mortgage technology solutions. ICE does not own, control, nor endorse any specific industry participant or the product/service provided. Loan originators and servicers are responsible for vetting, selecting, and contracting with the providers of their choosing.

About Argyle:

Founded in 2018, Argyle is the leading provider of real-time income and employment verifications. 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 with 80% lower verification costs. 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 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/.

Tags: @withArgyle @ICEMortgageTech #mortgage #lending #fintech

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NEWS SOURCE: Argyle

To view the original story, visit: https://www.send2press.com/wire/argyle-debuts-integration-with-encompass-consumer-connect-upgrades-existing-integration-with-encompass-from-ice-mortgage-technology/

Informative Research Integrates with Thomas & Company, Expanding Mortgage Verification Platform Connectivity

GARDEN GROVE, Calif., Feb. 11, 2025 (SEND2PRESS NEWSWIRE) — Informative Research, a premier technology provider delivering data-driven credit and verification solutions to the lending community, today announced its integration with Thomas & Company, a leading provider of value-added employer services and innovative solutions to support employee relations programs. The integration adds Thomas & Company’s Wage and Employment Verification service to Informative Research’s verification platform, increasing its customers’ access to tens of millions of records necessary for verification of income and employment (VOI/E) across a wide range of industries within their impressive portfolio of clients including some of the nation’s largest employers.

Image caption: Informative Research.

The integration with Thomas & Company broadens the verification options available to Informative Research customers and increases the efficiency and agility of their VOI/E processes. Lenders will now have greater flexibility in configuring their verification strategies to serve borrowers of varied backgrounds and financial situations.

“Our workflow aligns seamlessly with lenders’ verification strategies and business goals,” said Informative Research Executive Vice President Steve Schulz. “This strategic partnership with Thomas & Company further enhances our platform’s agility, supporting additional customization and choice in verification fulfillment.”

“Thomas & Company works directly with employers as an extension of their HR, Payroll and Employee Support functions, which enables us to deliver best-in-class data quality and support that is unparalleled,” said Thomas & Company CEO Nate Kenney. “Collaborating with Informative Research allows us to support industry efforts to reduce risky lending and increase efficiencies in lending and origination for financial institutions and their customers.”

The integration with Thomas & Company empowers consumers to control their data privacy while increasing lenders’ access to vital employment and income records. Thomas & Company delivers security and efficiency to its customers and their employees, making them an ideal choice for customers seeking best-in-class support.

About Informative Research:

About Thomas & Company:

Thomas & Company is a leading provider of value-added employer services and innovative solutions to support employee relations programs. The company is an industry leader in unemployment cost management, employment and wage verifications, and tax credit solutions, serving clients with unmatched expertise and dedication for 30 years. With a commitment to excellence and innovation, Thomas & Company empowers organizations to navigate complex regulatory environments and achieve their business objectives.

For more information about Thomas & Company, visit www.thomas-and-company.com or follow the company’s LinkedIn https://www.linkedin.com/company/thomas-and-company-inc/.

NEWS SOURCE: Informative Research

To view the original story, visit: https://www.send2press.com/wire/informative-research-integrates-with-thomas-company-expanding-mortgage-verification-platform-connectivity/

Argyle launches fully embedded VOIE for mortgage lenders through nCino integration

Enhanced integration boosts loan pull-through and quality with direct data flow from the point of sale to the loan origination system

NEW YORK CITY, N.Y., Feb. 10, 2025 (SEND2PRESS NEWSWIRE) — Argyle, a service provider automating income and employment verifications for some of the largest mortgage lenders in the United States, today announced significant enhancements to its integration with nCino (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions.

Image caption: Argyle.

Argyle and nCino first teamed up in 2022 to bring fully digital verification of income and employment (VOIE)—including reports, pay stubs and W-2s—to the more than 370 mortgage companies and 52,000 loan officers that rely on nCino to manage the loan application process.

The latest enhancements to the integration, now available to all nCino customers, improve application pull-through and loan quality by allowing lenders to embed VOIE directly into the point-of-sale (POS) workflow within nCino’s Mortgage Suite. In addition to retrieving VOIE reports and pay documents from Argyle, nCino now captures data elements like GSE Reference IDs and automatically transfers them to the lender’s loan origination system (LOS).

Key Integration Enhancements:

Friction-Free Verification: Instead of inviting their customers to verify income and employment with an email or SMS, lenders can now simplify borrower interactions and improve application pull-through by presenting Argyle’s VOIE solution as an embedded, in-app experience directly in the Form 1003 application flow within nCino Mortgage.
Customizable Workflows: With Argyle and nCino Mortgage, lenders can tailor VOIE workflows and customize payroll connection lists for each of their business units or operating groups, creating personalized experiences that enhance borrower satisfaction.
Faster, More Accurate AUS Submission: In addition to W-2s, pay stubs and VOIE reports, Argyle’s raw income data elements automatically populate in the Uniform Residential Loan Application (URLA) to accelerate GSE rep and warrant (R&W) determination. Argyle’s extensive payroll coverage and focus on data completeness can improve the frequency with which lenders secure R&W relief.
LOS Interoperability & Continuous Synchronization: nCino automatically passes new VOIE data and documents on to the lender’s LOS, enabling a simplified employment re-verification process during the 10-day pre-closing window and ensuring data accuracy across all systems of record throughout the loan lifecycle.

Argyle streamlines loan origination and delights borrowers by eliminating manual document collection, resulting in time savings of 5–7 days per loan and cost savings of 60–80% compared to legacy VOIE solutions. Argyle Vice President of Mortgage John Hardesty expects the enhancements to the nCino integration will drive greater adoption among mutual lender customers, enabling them to fully capitalize on these benefits.

“Our expanded integration with nCino reflects Argyle’s commitment to meeting lenders and their customers throughout the loan journey. Embedding Argyle’s VOIE at the point of sale gets loans through the loan process faster with accurate, complete data lenders and GSEs can trust,” said Hardesty.

“Embedding Argyle directly into the nCino Mortgage Suite makes it easier for lenders to process applications efficiently and provide borrowers with a smooth experience. Our collaboration is all about accelerating VOIE and ensuring borrower data flows smoothly from Argyle to nCino, through LOS platforms and into GSE systems with accuracy,” said Casey Williams, general manager of nCino Mortgage.

To learn more, watch a demonstration of Argyle and nCino working in concert to deliver faster, more accurate loan decisions and a better borrower experience: https://argyle-1.wistia.com/a/czertthflsopxne

About Argyle:

Founded in 2018, Argyle is the leading provider of real-time income and employment verifications. 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 60–80% 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 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/.

Tags: @withArgyle @nCino #mortgage #lending #fintech

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NEWS SOURCE: Argyle

To view the original story, visit: https://www.send2press.com/wire/argyle-launches-fully-embedded-voie-for-mortgage-lenders-through-ncino-integration/

Lender demand for Argyle’s VOIE platform fuels record growth for its mortgage division

NEW YORK CITY, N.Y., Oct. 28, 2024 (SEND2PRESS NEWSWIRE) – Argyle, a service provider automating income and employment verifications for some of the largest mortgage lenders in the United States, has eclipsed its full-year 2023 growth through just the first nine months of 2024. The company has added 58 new independent mortgage bank, credit union and bank customers since the beginning of the year, bringing its total number of mortgage customers well north of 100, including 7 of the nation’s top 15 retail lenders. Argyle isn’t just adding customers, either; it’s onboarding them swiftly, with year-to-date verification of income and employment (VOIE) volumes already 166% higher than the full-year total for 2023.

Image caption: Argyle.

Chief Operating Officer Brian Geary attributed the growth to Argyle’s focus on delivering mortgage-specific product enhancements and measurable results for lenders. Top-5 lender* [*note 1] Newrez has partnered with Argyle on a custom integration to deliver a streamlined customer experience for VOIE. Amerisave, a top-25 lender* [*note 2] that took its custom integration with Argyle live in just three weeks, said it receives GSE representation and warranty relief more often when using Argyle than any other VOIE provider. And Delta Community Credit Union, one of the 35 largest credit unions in the United States* [*note 3], reported savings of $39 per member on verification costs using Argyle. These outcomes underscore Argyle’s ability to drive real business value and solidify its position as the mortgage industry’s highest-performing verification solution with a consistent conversion rate above 55% and cost savings of 80% over incumbents.

“Our growth this year is a testament to the measurable impact we’re making for lenders,” said Geary. “Every loan team works a little bit differently. By offering maximum flexibility in how Argyle can be deployed and working shoulder-to-shoulder with customers to make each rollout a success, we’re proving that Argyle is the best partner for any lender that wants to reverse the customer friction, buyback risk and high cost associated with VOIE.”

Argyle achieved several milestones in 2024, including approval as a third-party service provider for Freddie Mac’s Loan Product Advisor® (LPA℠) asset and income modeler (AIM). Like Argyle’s 2023 collaboration with Fannie Mae, the integration with AIM helps lenders reduce mortgage repurchase risk by enabling assessment of eligibility for representations and warranties relief. The company also formed or expanded partnerships with several major loan origination systems (LOS) and point-of-sale (POS) platform providers, including ICE Mortgage Technology® (NYSE: ICE), Floify, Byte Software and nCino (NASDAQ: NCNO), and joined The Mortgage Collaborative as a preferred partner.

Argyle’s leadership and innovation were widely recognized in 2024. In March, Fast Company ranked Argyle #5 globally in the Personal Finance category of its Most Innovative Companies list. Argyle also received a Silver Stevie® at the 22nd annual American Business Awards® in April for its pioneering approach to automating income and employment verifications. In February Argyle made its debut on HousingWire’s Tech100, while CEO Shmulik Fishman was honored as a 2024 Tech All-Star by the Mortgage Bankers Association and received Inman’s Best of Finance award. PROGRESS in Lending also recognized Argyle with its Innovations Award, celebrating the company’s transformative role in the mortgage industry.

Key members of Argyle’s leadership team received recognition for their contributions as well. In August, Principal Mortgage Customer Success Manager Rowdy Harris was named a 2024 HousingWire Insider for leading the mortgage division’s fast-growing customer success team. In September, Brian Geary was honored with HousingWire’s 2024 Vanguard Award for driving Argyle’s strategic partnerships and helping customers succeed.

Argyle’s rapid growth this year was supported by a $30 million Series C funding round that reinforces its stability as a long-haul partner for mortgage lenders. The funding has enabled Argyle to invest in white-glove customer service and product integrations that make its VOIE service available in familiar systems, reducing customer ramp time and improving user adoption.

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

About Argyle:

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/.

CITATIONS:

[1] Source: Scotsman Guide 2024 Top Originators Rankings, June 2024.

[2] Source: 2022 Home Mortgage Disclosure Act (HMDA) data.

[3] Source: Delta Community Credit Union.

Tags: @withArgyle #mortgage #lending #fintech

Brand Assets: https://brand.argyle.com/downloads#logo

NEWS SOURCE: Argyle

To view the original story, visit: https://www.send2press.com/wire/lender-demand-for-argyles-voie-platform-fuels-record-growth-for-its-mortgage-division/

Informative Research Brings its Mortgage Verification Platform to the Dark Matter Technologies Exchange Service Network

GARDEN GROVE, Calif., Oct. 22, 2024 (SEND2PRESS NEWSWIRE) — Informative Research, a premier technology provider delivering data-driven credit and verification solutions to the lending community, today announced it has made its Verification Platform solution available in the Dark Matter Technologies (Dark Matter) Exchange℠ service network to streamline verification of income (VOI) and verification of employment (VOE) for more lenders.

Image caption: Informative Research.

Verifying borrower income and employment is time-consuming and costly for mortgage lenders. Informative Research’s Verification Platform solution addresses these pain points by automatically cycling through multiple VOI and VOE report providers until borrower data is successfully verified. Lenders can configure the Verification Platform with Informative Research to optimize costs by ordering reports starting with the least expensive provider. Additionally, the solution allows lenders to do business with multiple providers without juggling several vendor relationships.

The efficiency gains of Verification Platform are further amplified when paired with the Empower® loan origination system (LOS) and the Exchange service network, allowing for information to flow from the loan into Informative Research’s system of record, ensuring that a record of the order and response is captured in the Empower LOS. The Empower LOS’s integrations with automated underwriting systems also ensures that any representation & warranty relief obtained by using Informative Research can automatically be pulled into the loan. On top of that, the integration with the Exchange service network makes Informative Research’s platform offering available to other LOSs such as Blue Sage and other systems such as ICE’s MSP® Loss Mitigation™ solution.

“The biggest benefit of this integration is the enhanced efficiency and reduced manual workload for lenders. By making our advanced verification services available via the Dark Matter Exchange service network, lenders can achieve a seamless, automated experience that significantly reduces the need for manual intervention,” said Informative Research IT Manager – Integrations Ryan Kaufman. “We’ve seen substantial positive impacts with our partners adopting this product. By automating the verification process, lenders can avoid unnecessary orders and ensure that verifications are performed with the right controls, thus mitigating the risk of automation errors.”

“Informative Research is doing wonderful things to revolutionize the verifications space by offering their clients a unique blend of platform services that cover every use case,” said Dark Matter Managing Director of Partnership Products Jennifer Miller. “We are happy to welcome their product to the Exchange service network and support its adoption by the Empower LOS users. We look forward to Informative Research’s continued innovation as they bring new products and solutions to the market.”

About Informative Research:

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.

NEWS SOURCE: Informative Research

To view the original story, visit: https://www.send2press.com/wire/informative-research-brings-its-mortgage-verification-platform-to-the-dark-matter-technologies-exchange-service-network/

Floify launches Floify Verify, a native verification of income and employment service

Powered by Argyle, Floify Verify saves mortgage lenders time and money while providing access to GSE representations and warranties relief

BOULDER, Colo., Oct. 10, 2024 (SEND2PRESS NEWSWIRE) — Floify, the mortgage industry’s leading point-of-sale (POS) solution, today announced the availability of Floify Verify, a native electronic verification of income and employment (VOIE) service powered by Argyle. Designed to streamline the mortgage origination process, Floify Verify allows lenders to verify income and employment at a cost-effective price point without the hassle of managing additional third-party vendors.

Image caption: Floify.

Floify Verify’s native functionality allows lenders to prioritize their business objectives, whether it’s accelerating loan processing or optimizing cost savings. Lenders focused on speed can embed Floify Verify directly into the loan application process to reduce delays and expedite loan approval. Alternatively, lenders aiming to manage costs can configure Floify Verify to be initiated by loan teams later in the process, such as after a financial pre-screening, enabling them to balance efficiency, cost control and the borrower’s experience.

Reports generated by Floify Verify have the potential to receive representations and warranties relief on eligible loan components from both Fannie Mae and Freddie Mac. This is because Argyle, which powers Floify Verify, is an authorized report supplier to both Fannie Mae’s Desktop Underwriter® (DU®) validation service and Freddie Mac’s Loan Product Advisor® (LPA℠) asset and income modeler (AIM).

“VOIE has been a pain point for many of our customers, with legacy verification methods achieving low success rates at a high price point. These methods are ill-suited to today’s workforce and too expensive at a time when origination costs have risen to untenable levels,” said Sofia Rossato, Floify’s president and general manager. “In response, we’ve partnered with Argyle to offer an elegant and cost-effective way for lenders to verify income and employment in the Floify environment without the hassle of managing additional vendors.”

With Floify Verify, lenders can view borrower-permissioned records, such as pay stubs and W-2s, at 60–80% less cost than legacy providers and manual verification methods. Additionally, the solution supports on-demand reverification—such as the 10-day pre-closing verification required for agency loans—at no additional cost.

“Argyle is proud to extend a modern verification experience to more borrowers and originators through our collaboration with Floify,” said Shmulik Fishman, founder and CEO of Argyle. “Floify Verify, powered by Argyle, equips lenders with a faster, more efficient way to handle VOIE, shaving up to a week off closing times and dramatically cutting costs—all while reducing the risk of loan buybacks.”

About Argyle

Founded in 2018, Argyle is backed by top investors, including Bain Capital Ventures, SignalFire, Checkr and Rockefeller Asset Management. 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 businesses. Argyle serves the mortgage, background check, personal lending and banking industries as well as the gig economy. For more information on Argyle’s industry-leading platform, please visit https://argyle.com/.

About Floify

Floify is a digital mortgage automation solution that streamlines the loan process by providing a secure application, communication, and document portal between lenders, borrowers, referral partners, and other mortgage stakeholders. Loan originators use the platform to collect and verify borrower documentation, track loan progress, communicate with borrowers and real estate agents, and close loans faster. The company is based in Boulder, Colorado and is a subsidiary of Porch Group, Inc. (“Porch Group”) (NASDAQ: PRCH). For more information, visit the company’s website at https://floify.com/ or on social media at Facebook, LinkedIn, or Twitter / X.

Forward-Looking Statements

Certain statements in this release may be considered “forward-looking statements” within the meaning of the “safe harbor” provisions of the United States Private Securities Litigation Reform Act of 1995. Although the Company believes that its plans, intentions, and expectations reflected in or suggested by these forward-looking statements are reasonable, the Company cannot assure you that it will achieve or realize these plans, intentions, or expectations. Forward-looking statements are inherently subject to risks, uncertainties, assumptions, and other factors which could cause actual results to differ materially from those expressed or implied by such forward-looking statements. Generally, statements that are not historical facts, including statements concerning the Company’s possible or assumed future actions, business strategies, events, or results of operations, are forward-looking statements. These statements may be preceded by, followed by, or include the words “believes,” “estimates,” “expects,” “projects,” “forecasts,” “may,” “will,” “should,” “seeks,” “plans,” “scheduled,” “anticipates,” “intends,” or similar expressions.

These forward-looking statements are based upon estimates and assumptions that, while considered reasonable by Porch and its management at the time they are made, are inherently uncertain. Factors that may cause actual results to differ materially from current expectations include, but are not limited to: (1) expansion plans and opportunities, and managing growth, to build a consumer brand; (2) the incidence, frequency, and severity of weather events, extensive wildfires, and other catastrophes; (3) economic conditions, especially those affecting the housing, insurance, and financial markets; (4) expectations regarding revenue, cost of revenue, operating expenses, and the ability to achieve and maintain future profitability; (5) existing and developing federal and state laws and regulations, including with respect to insurance, warranty, privacy, information security, data protection and taxation, and management’s interpretation of and compliance with such laws and regulations; (6) the Company’s reinsurance program, which includes the use of a captive reinsurer, the success of which is dependent on a number of factors outside management’s control, along with reliance on reinsurance to protect us against loss; (7) uncertainties related to regulatory approval of insurance rates, policy forms, insurance products, license applications, acquisitions of businesses or strategic initiatives, including the reciprocal restructuring, and other matters within the purview of insurance regulators; (8) reliance on strategic, proprietary relationships to provide the Company with access to personal data and product information, and the ability to use such data and information to increase transaction volume and attract and retain customers; (9) the ability to develop new, or enhance existing, products, services, and features and bring them to market in a timely manner; (10) changes in capital requirements, and the ability to access capital when needed to provide statutory surplus; (11) the increased costs and initiatives required to address new legal and regulatory requirements arising from developments related to cybersecurity, privacy, and data governance and the increased costs and initiatives to protect against data breaches, cyber-attacks, virus or malware attacks, or other infiltrations or incidents affecting system integrity, availability and performance; (12) retaining and attracting skilled and experienced employees; (13) costs related to being a public company; and (14) other risks and uncertainties discussed in Part I, Item 1A, “Risk Factors,” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022, and in Part II, Item 1A, “Risk Factors,” in our Quarterly Report on Form 10-Q for the quarter ended March 31, 2023, as well as those discussed in subsequent reports filed with the Securities and Exchange Commission (“SEC”), all of which are available on the SEC’s website at www.sec.gov.

Nothing in this release should be regarded as a representation by any person that the forward-looking statements set forth herein will be achieved or that any of the contemplated results of such forward-looking statements will be achieved. You should not place undue reliance on forward-looking statements, which speak only as of the date of this release. Unless specifically indicated otherwise, the forward-looking statements in this release do not reflect the potential impact of any divestitures, mergers, acquisitions, or other business combinations that have not been completed as of the date of this release. Porch does not undertake any duty to update these forward-looking statements, whether as a result of changed circumstances, new information, future events or otherwise, except as may be required by law.

X/Twitter: @Floify @withArgyle #mortgage #fintech #housingfinance

NEWS SOURCE: Floify

This press release was issued on behalf of the news source (Floify), 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/floify-launches-floify-verify-a-native-verification-of-income-and-employment-service/

Informative Research Adds Consumer-Permissioned Verification of Employment/Income via AccountChek to its Verification Platform

GARDEN GROVE, Calif., Oct. 8, 2024 (SEND2PRESS NEWSWIRE) — Informative Research, a premier technology provider delivering data-driven credit and verification solutions to the lending community, announced the addition of AccountChek to the list of integrated verification providers available within the IR Verification Platform. This latest enhancement empowers lenders to optimize their verification processes using IR’s Verification Waterfall, offering a more cost-effective and efficient alternative to traditional verification of employment/income (VOE/I) methods.

Image caption: Informative Research.

“Instead of navigating multiple contracts and integrating disparate systems, our verification platform brings together connected verification providers into one streamlined process,” said Informative Research SVP Marketing Craig Leabig. “The addition of a consumer-permission payroll feature as a waterfall option fills an important gap. This enhancement ensures lenders have an even more robust solution to simplify VOE/I, reduce costs and accelerate closing times while maintaining compliance and accuracy.”

The IR Verification Platform enables lenders to create customizable waterfalls for automatically ordering VOE/I. Lenders can pre-configure the steps in their tailored verification waterfall by selecting from a list of connected verification partners. The system cycles through each verification provider in the lender’s pre-selected order until the consumer’s data is successfully located, ensuring accuracy while eliminating unnecessary costs. With this integration, lenders can now add AccountChek to their verification waterfall for VOE/I using consumer-permission access to an online payroll provider’s self-service website.

“This new enhancement strengthens our commitment to simplifying and automating the validation process,” Leabig added. “Leveraging direct source payroll data enhances both efficiency and cost-effectiveness and integrating it into our verification platform brings us closer to achieving ‘push a button – get a verification.”

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.

NEWS SOURCE: Informative Research

To view the original story, visit: https://www.send2press.com/wire/informative-research-adds-consumer-permissioned-verification-of-employment-income-via-accountchek-to-its-verification-platform/

Argyle is now an approved service provider supporting Freddie Mac’s AIM

NEW YORK CITY, N.Y. /ScoopCloud/ -- Argyle, a platform providing real-time income and employment verifications for some of the largest lenders in the United States, is now an approved third-party service provider supporting Freddie Mac's Loan Product Advisor® (LPA℠) asset and income modeler (AIM), a solution that simplifies the mortgage underwriting process for lenders. Argyle's verification of income and employment (VOIE) solution, which includes reports, pay stubs and W-2s, saves lenders 5-7 days per loan and 60-80% in costs compared to legacy VOIE providers.

* GSE-Approved: Argyle is now an approved service provider for Freddie Mac's LPA AIM, in addition to being an authorized report supplier for Fannie Mae's Desktop Underwriter®.

* Cost and Time Savings: Lenders using Argyle for VOIE can save 5-7 days per loan and 60-80% in costs compared to legacy providers.

* Improved Loan Quality: Lenders can now submit their Argyle reference number to LPA for immediate assessment of eligibility for representation and warranty relief.

* Timely Solution: The integration addresses increasing origination costs and helps maintain lender margins.

Effective immediately, lenders using Argyle's verification services will be eligible for automatic assessment of income and employment, including 10-day pre-closing verifications, through AIM. By submitting Argyle's reference number to LPA, lenders can receive an immediate assessment of eligibility for representation and warranty relief for the income calculation and accuracy and integrity of the data.

"Argyle is proud to collaborate with Freddie Mac to offer a comprehensive and efficient industry-leading solution for income and employment verification," said Argyle COO Brian Geary. "By automatically retrieving income data from a borrower's payroll accounts, our platform helps lenders close high-quality loans more quickly while reducing origination costs and improving loan quality. This solution is timely, especially as the industry faces increasing origination costs that erode already razor-thin margins."

"Our latest research shows the cost to originate has increased 35% since 2021. When lenders maximize LPA's digital capabilities like AIM, they can save $1,500 per loan," said Daniel Miller, Freddie Mac Single-Family Director of Strategic Technology Partnerships. "We're excited to welcome Argyle as a service provider supporting AIM, so we can help lenders drive down costs through digital innovation."

For more information about Argyle's integrations with automated underwriting systems (AUS), visit https://www.argyle.com/blog/freddie-mac-aim-provider/.

About Argyle:

Founded in 2018, Argyle is the leading provider of real-time income and employment verifications. 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 60-80% 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 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/.

Tags: @withArgyle @FreddieMac #fintech #financialservices #innovation #mortgage #mortgagelending

Brand Assets: https://brand.argyle.com/downloads#logo

Argyle, a platform providing real-time income and employment verifications for some of the largest lenders in the United States, is now an approved third-party service provider supporting Freddie Mac's Loan Product Advisor® (LPA℠) asset and income modeler (AIM), a solution that simplifies the mortgage underwriting process for lenders. Argyle's verification of income and employment (VOIE) solution, which includes reports, pay stubs and W-2s, saves lenders 5-7 days per loan and 60-80% in costs compared to legacy VOIE providers.

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

Floify supports Truv’s verification of borrower income and employment service via new integration

BOULDER, Colo. /ScoopCloud/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced an integration with Truv, a consumer-permissioned data platform. The integration enables borrowers to electronically verify their income and employment as they apply for a mortgage loan.

Manual verification of income (VOI) and verification of employment (VOE) is a frustrating and time-consuming process for borrowers and a major source of production friction for mortgage lenders. Truv's ability to electronically verify income and employment for 95% of the U.S. workforce supports a better borrower experience while helping lenders make faster and more cost-effective underwriting decisions.

Floify allows lenders to create customizable borrower journeys without costly development work and automated task workflows that promote lending efficiency. When borrowers opt to electronically verify income and employment through Floify's borrower portal, Truv automatically retrieves two years of W-2s, paystubs, bank statements and 1099s, providing lenders with information needed to pre-approve borrowers. By procuring VOI and VOE reports at the point of application, lenders can pre-approve borrowers faster while reducing production costs and risk.

In March, Floify released Lender Edition to help lenders support a best-in-class borrower experience while streamlining production and controlling costs. "We are always looking for ways to improve the lending experience for both homebuyers and lenders, and this integration accomplishes both," said Sofia Rossato, Floify's president and general manager. "This integration not only achieves that but also caters to users who favor Truv's efficient verification services. Simplifying VOI and VOE empowers borrowers and lenders with a smoother, faster path to home financing."

"From our perspective, the timing of this integration will be welcomed by lenders looking to scale back costs, saving 60-80% compared to traditional verification providers. Lenders now have the opportunity to maximize pull-through of the applications they receive, realize a substantial increase in conversion, and reduce risk and fraud end-to-end," said Kirill Klokov, CEO at Truv.

About Truv

Truv is the market-leading consumer-permissioned data platform that enables financial organizations with access to every financial data source available. Use cases supported by Truv include income and employment verification, employment history verification, paycheck-linked loans, verification of insurance, direct deposit switching, and earned wage access. Through Truv's model of having access to payroll data, financial account transaction data, tax data and insurance data, Truv's platform is built with unmatched coverage, compliance and data quality. For more information, visit www.truv.com.

About Floify

Floify is a digital mortgage automation solution that streamlines the loan process by providing a secure application, communication, and document portal between lenders, borrowers, referral partners, and other mortgage stakeholders. Loan originators use the platform to collect and verify borrower documentation, track loan progress, communicate with borrowers and real estate agents, and close loans faster. The company is based in Boulder, Colorado and is a subsidiary of Porch Group, Inc. ("Porch Group") (NASDAQ: PRCH). For more information, visit the company's website at https://floify.com/ or on social media at Facebook, LinkedIn, or Twitter / X.

Forward-Looking Statements

Certain statements in this release may be considered "forward-looking statements" within the meaning of the "safe harbor" provisions of the United States Private Securities Litigation Reform Act of 1995. Although the Company believes that its plans, intentions, and expectations reflected in or suggested by these forward-looking statements are reasonable, the Company cannot assure you that it will achieve or realize these plans, intentions, or expectations. Forward-looking statements are inherently subject to risks, uncertainties, assumptions, and other factors which could cause actual results to differ materially from those expressed or implied by such forward-looking statements. Generally, statements that are not historical facts, including statements concerning the Company's possible or assumed future actions, business strategies, events, or results of operations, are forward-looking statements. These statements may be preceded by, followed by, or include the words "believes," "estimates," "expects," "projects," "forecasts," "may," "will," "should," "seeks," "plans," "scheduled," "anticipates," "intends," or similar expressions.

These forward-looking statements are based upon estimates and assumptions that, while considered reasonable by Porch and its management at the time they are made, are inherently uncertain. Factors that may cause actual results to differ materially from current expectations include, but are not limited to: (1) expansion plans and opportunities, and managing growth, to build a consumer brand; (2) the incidence, frequency, and severity of weather events, extensive wildfires, and other catastrophes; (3) economic conditions, especially those affecting the housing, insurance, and financial markets; (4) expectations regarding revenue, cost of revenue, operating expenses, and the ability to achieve and maintain future profitability; (5) existing and developing federal and state laws and regulations, including with respect to insurance, warranty, privacy, information security, data protection and taxation, and management's interpretation of and compliance with such laws and regulations; (6) the Company's reinsurance program, which includes the use of a captive reinsurer, the success of which is dependent on a number of factors outside management's control, along with reliance on reinsurance to protect us against loss; (7) uncertainties related to regulatory approval of insurance rates, policy forms, insurance products, license applications, acquisitions of businesses or strategic initiatives, including the reciprocal restructuring, and other matters within the purview of insurance regulators; (8) reliance on strategic, proprietary relationships to provide the Company with access to personal data and product information, and the ability to use such data and information to increase transaction volume and attract and retain customers; (9) the ability to develop new, or enhance existing, products, services, and features and bring them to market in a timely manner; (10) changes in capital requirements, and the ability to access capital when needed to provide statutory surplus; (11) the increased costs and initiatives required to address new legal and regulatory requirements arising from developments related to cybersecurity, privacy, and data governance and the increased costs and initiatives to protect against data breaches, cyber-attacks, virus or malware attacks, or other infiltrations or incidents affecting system integrity, availability and performance; (12) retaining and attracting skilled and experienced employees; (13) costs related to being a public company; and (14) other risks and uncertainties discussed in Part I, Item 1A, "Risk Factors," in the Company's Annual Report on Form 10-K for the year ended December 31, 2022, and in Part II, Item 1A, "Risk Factors," in our Quarterly Report on Form 10-Q for the quarter ended March 31, 2023, as well as those discussed in subsequent reports filed with the Securities and Exchange Commission ("SEC"), all of which are available on the SEC's website at www.sec.gov.

Nothing in this release should be regarded as a representation by any person that the forward-looking statements set forth herein will be achieved or that any of the contemplated results of such forward-looking statements will be achieved. You should not place undue reliance on forward-looking statements, which speak only as of the date of this release. Unless specifically indicated otherwise, the forward-looking statements in this release do not reflect the potential impact of any divestitures, mergers, acquisitions, or other business combinations that have not been completed as of the date of this release. Porch does not undertake any duty to update these forward-looking statements, whether as a result of changed circumstances, new information, future events or otherwise, except as may be required by law.

Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced an integration with Truv, a consumer-permissioned data platform. The integration enables borrowers to electronically verify their income and employment as they apply for a mortgage loan.

Related link: https://floify.com/

Informative Research Announces Manual VOI Integration with Veri-Tax to Improve Mortgage Verification Services

GARDEN GROVE, Calif. /ScoopCloud/ -- Informative Research, a leading technology platform that delivers data-driven solutions to the lending community, announced the integration of Veri-Tax, the market leader in delivering the industry's fastest verifications, into its proprietary Verification Platform. The integration merges Informative Research's platform with Veri-Tax's verification services so lenders can access advanced validation tools that elevate the accuracy and reliability of borrower information.

This integration aligns seamlessly with Informative Research's mission to provide end-to-end credit and verification services that streamline the lending process and drive positive outcomes for lenders and borrowers alike. With Veri-Tax's expertise and technology complementing Informative Research's existing capabilities, clients can expect enhanced efficiency, accuracy, and speed in their verification processes.

"We recognized the need for a strategic partner that shares our commitment to delivering value in verification services," said Informative Research SVP Craig Leabig. "This collaboration expands the product set available on Informative Research's Verification Platform. Adding a best-in-breed manual verification product to the mix enhances our ability to help lenders streamline the loan manufacturing process."

By eliminating manual procedures and significantly reducing turnaround times, Veri-Tax enhances Informative Research's service offerings, ultimately enhancing the borrower experience and expediting loan origination timelines. Leveraging its "employer happiness" process, innovative digital tools, and an employer intelligence database of over 4 million transactions and growing, Veri-Tax ensures swift and precise verifications, further bolstering Informative Research's reputation for efficiency and reliability in the mortgage industry.

"Employer sourced data is accurate, detailed, contextual, and prospective making it an essential complement to payroll data. But employer interactions are daunting and complicated. So, we have been sharply focused in streamlining and re-engineering this manual process with technology and data, and achieved market leadership as a result of our disciplined focus," said Veri-Tax CEO Nick Lim. "We are excited by our collaboration with Informative Research and look forward to the opportunity to help serve their clients. By combining our expertise and resources, we are poised to redefine industry standards and drive positive outcomes for lenders and borrowers alike."

Veri-Tax concentrates solely on verifications of employment and income. This specialization allows them to excel in their domain, offering unparalleled expertise and efficiency to clients. Veri-Tax's commitment to excellence has earned them partnerships with many of the nation's top lenders, who entrust them with 100% of their manual verification needs. By partnering with Veri-Tax, Informative Research gains access to this expertise and reputation, further solidifying its position as a leading provider of credit and verification solutions in the mortgage industry.

About Informative Research:

Informative Research, a Stewart company, is a leading technology platform that delivers data-driven 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 Veri-Tax:

Veri-Tax is a leading national verification specialist sharply focused on offering Verification of Income and Employment, 4506-C Tax Transcripts, and SSN and EIN Verifications. We have been fortunate to have earned the trust and confidence of nearly 1,000 clients and growing including 3 of the top 5 banks in the country and other large, midsized, and smaller banks, credit unions, lenders, fintech players, and other financial services players. Our technology-enabled service is ultimately differentiated by our "customer happiness" culture which guides our strategy, innovation, and execution on each and every single order every day. Visit https://www.veri-tax.com/ or call our Customer Happiness Team at 949-783-2100 to learn more.

Informative Research, a leading technology platform that delivers data-driven solutions to the lending community, announced the integration of Veri-Tax, the market leader in delivering the industry's fastest verifications, into its proprietary Verification Platform. The integration merges Informative Research's platform with Veri-Tax's verification services so lenders can access advanced validation tools that elevate the accuracy and reliability of borrower information.

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

Argyle welcomes former FHFA Chief Fintech Officer Jason Cave to board of advisors

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, today announced the addition of Jason Cave, former chief fintech officer and deputy director of the Federal Housing Finance Agency's Division of Conservatorship Oversight and Readiness, to its board of advisors.

Cave has more than three decades of experience in U.S. banking regulation. Before joining the FHFA, Cave spent 27 years at FDIC, where he served in numerous positions including as a senior advisor within the Division of Complex Institution, Supervision and Resolution. He has also helped shape international bank policy as a former chairman of the Basel Committee's task force on simplicity and comparability, leading negotiations for the post-crisis reform package known as Basel III.

In more recent years Cave has emerged as a leading force in housing finance innovation. After launching the FHFA's Office of Financial Technology in 2022, he introduced its first annual Velocity tech sprint in 2023. The three-day event challenged practitioners from across the technology and mortgage finance sectors to build and present innovative solutions for increasing access, fairness, affordability and sustainability in mortgage lending.

"After 30 years in government, I'm investing my experience and energy in the fintechs that are working to solve the many entrenched challenges within banking and mortgage," said Cave. "Argyle is a company that is making real, measurable strides toward making mortgages more fraud-resistant and cost-effective in an industry where modernization is often an uphill battle. We can expect a lot more innovation to come from Argyle, and I'm energized to be a part of it. "

"No one understands the intersection of financial regulation and technology better than Jason Cave," said Argyle CEO Shmulik Fishman. "It's an honor to welcome Jason to our advisory board, where his guidance will be invaluable in helping Argyle navigate the D.C. landscape as we drive advancements the mortgage industry needs to thrive."

Cave's appointment to the Argyle advisory board follows that of fellow mortgage industry veterans Sam E. Oliver III and Terri Davis, both of whom joined in 2023. Oliver boasts three decades of experience at Freddie Mac, while Davis has held leadership positions at Fannie Mae, ICE Mortgage Technology and Notarize.

About Argyle:

Founded in 2018, Argyle is the leading provider of direct-source access to income and employment data. As an authorized report supplier for Fannie Mae's Desktop Underwriter® validation service, a component of Day 1 Certainty®, Argyle empowers mortgage lenders to auto-retrieve paystubs and W-2s, understand consumers' ability to pay and reduce repurchase risk-all at 60-80% 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 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/.

Argyle, a platform providing automated income and employment verifications for some of the largest lenders in the United States, today announced the addition of Jason Cave, former chief fintech officer and deputy director of the Federal Housing Finance Agency's Division of Conservatorship Oversight and Readiness, to its board of advisors.

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

Fast Company recognizes Argyle among the Most Innovative Companies of 2024

NEW YORK CITY, N.Y. /ScoopCloud/ -- Argyle, the leading provider of direct-source income and employment data, has been named one of 2024's Most Innovative Companies by Fast Company. After evaluating a field of thousands of organizations worldwide, Fast Company editors, reporters and contributors ranked Argyle #5 globally for innovation in the Personal Finance category.

Argyle was recognized for its automated verification of income and employment (VOIE) platform that gives financial service providers direct-source access to real-time income and employment data so they can build better, more efficient products, workflows and experiences. In 2023, after introducing multiple new platform features and adding thousands of employers to its data network, Argyle grew the volume of consumer verifications it fulfilled by 100% year over year and welcomed more than 90 new business customers across mortgage lending, personal lending, banking, background screening and tenant screening.

"Argyle thrives on tackling age-old challenges with new approaches," said Argyle CEO Shmulik Fishman. "We are honored to be recognized by Fast Company as a global innovation leader in the personal finance space. We couldn't have done it without the partnership of our customers and integration partners. When it comes to making a difference for consumers, we are in it together."

"Our list of the Most Innovative Companies is both a comprehensive look at the innovation economy and a snapshot of the business trends that defined the year," said Fast Company Editor-in-Chief Brendan Vaughan. "We face daunting challenges on many fronts, but the solutions we celebrate in MIC give me plenty of hope about the future."

Since 2008, Fast Company's Most Innovative Companies has been the definitive source for recognizing the organizations that are transforming industries and shaping society. Fast Company's 2024 Most Innovative Companies list honors 606 organizations across 58 sectors whose innovative technologies are revolutionizing the business world. To view the complete list, visit https://www.fastcompany.com/most-innovative-companies/list.

About Argyle:

Founded in 2018, Argyle is backed by top investors, including Bain Capital Ventures, SignalFire, Checkr and Rockefeller Asset Management. 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 check, personal lending and banking industries as well as the gig economy.

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/.

Argyle, the leading provider of direct-source income and employment data, has been named one of 2024's Most Innovative Companies by Fast Company. After evaluating a field of thousands of organizations worldwide, Fast Company editors, reporters and contributors ranked Argyle #5 globally for innovation in the Personal Finance category.

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