Cross-platform interoperability boosts loan pull-through and quality with direct data flow from the point of sale to the loan origination system
Each additional step in verifying income and employment increases the risk of borrower drop-off and delays the loan process. That’s why we’re excited to announce Argyle’s enhanced integration with nCino’s Mortgage Suite, which now embeds Argyle directly into the Form 1003 application flow.
Borrowers can now link their payroll accounts during their application, streamlining verification and increasing conversion for lenders. This removes the need for email or SMS invitations for VOIE and ensures lenders receive cleaner, more reliable data from the start.
A Game-changer for Mortgage Lenders
Until now, verifications required an extra step post-application submission—a process that inconvenienced borrowers and led to unnecessary drop-off.
Our solution? Take out the unnecessary friction and make it easier for both the borrower and lender. By embedding Argyle inside the borrower’s application flow in nCino, we’ve replaced self-reported data with verified income and employment data when it matters most: before submission, not after.
In addition to retrieving VOIE reports and pay documents from Argyle, nCino now captures data elements like GSE Reference IDs and transfers them to Encompass® by ICE Mortgage Technology®. Automatically transferring data and documents to the loan origination system streamlines employment re-verification during the 10-day pre-closing window, ensuring data accuracy across all records throughout the loan lifecycle.
The enhanced integration has already delivered significant results for early adopters:
A Better Borrower Experience
With this latest nCino and Argyle integration upgrade, borrowers no longer have to track down paystubs, manually enter income details, or wait to verify income and employment with an email or SMS. Instead, they can link their payroll account in seconds within the application, see their verified income data pre-fill instantly. This allows them to move forward with confidence, leading to a smoother loan process and faster approvals.
Watch demo of applicant experience.
Key Integration Enhancements
This update packs in several key enhancements designed to make verification smoother for borrowers and more efficient for lenders.
- Embedded VOIE workflow
Borrowers can now connect payroll accounts directly within nCino’s Form 1003 application process, eliminating extra steps and creating a truly friction-free experience. Less hassle leads to more completed applications.
- Dynamic borrower task lists
No more cluttered checklists. nCino’s dynamic tasks ensure that borrowers only see verification requests when needed, improving both clarity and engagement. For example, lenders can skip paystubs or W-2 upload tasks if a borrower already connected their payroll or employer through Argyle. It’s yet another way our integration is designed with maximum conversion in mind.
- Customizable workflows
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. Specializing in VA loans? You can display payroll options relevant to military employers.
- LOS interoperability
nCino automatically passes verified income data, paystubs, and W-2s to Encompass. Also for large LOS platforms like Encompass, the Verification of Employment at closing can be generated directly from the LOS, increasing efficiency for the operations team.
- Faster and more accurate AUS submissions
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), streamlining submissions to automated underwriting systems (AUS) like Fannie Mae’s Desktop Underwriter® and Freddie Mac’s Loan Product Advisor®. By passing GSE Reference IDs through nCino into the LOS, Argyle further improves rep & warrant relief eligibility.
Ready to streamline your VOIE process?
Contact us today to get started.
Argyle is committed to continuously improving the borrower experience and making consumer-permissioned VOIE even more seamless. With LOS interoperability, lenders can expect greater efficiency and less manual work across platforms.
