At Argyle, we’re committed to redefining how mortgage lenders verify income and employment. We’re excited to announce our new integration with Encompass® Consumer Connect™ from ICE Mortgage Technology®, alongside significant upgrades to our existing Encompass® loan origination system (LOS) integration.
These advancements further enhance our ability to automate income and employment verifications, helping lenders reduce costs, accelerate loan processing, and create a smoother experience for borrowers and lenders.
New: Consumer Connect POS Integration
The mortgage application process should be fast, simple, and seamless. With this integration, Argyle is bringing real-time income and employment verification (VOIE) directly into the loan application process, ensuring that lenders can verify crucial borrower data from the very beginning of the loan journey.
By incorporating Argyle’s verification solution into Consumer Connect, borrowers can seamlessly connect their income and employment details while completing their mortgage application—streamlining the entire process. This integration significantly reduces friction, allowing for higher borrower conversion rates and faster processing times.
Key Benefits:
- Higher Borrower Conversion & Faster Processing
Verifying income and employment data upfront addresses one of the biggest obstacles lenders face: delays in application processing. By capturing this information early, lenders not only improve the chances of moving loans into the next stage but also boost application completion rates. This means less back-and-forth with borrowers and a faster path to approval. - Seamless Integration with Encompass LOS
The data collected via Consumer Connect automatically transfers to the Encompass® loan origination system, creating an end-to-end solution for lenders. This integration ensures that the origination team has instant access to up-to-date income and employment data, including pay stubs, W-2s, and 1099s. The seamless flow of information reduces manual data entry, eliminates redundancies, and reduces the chance of errors—ultimately speeding up the loan approval process. - Faster, More Accurate Automated Underwriting System (AUS) Submissions
Argyle’s integration doesn’t stop at data collection. Our system automatically populates the Uniform Residential Loan Application (URLA) with critical borrower income data, including pay stubs, W-2s, and employment verification reports. This functionality allows lenders to accelerate GSE (Government-Sponsored Enterprises) rep and warrant (R&W) determinations, significantly improving the accuracy of the loan underwriting process. As a result, lenders can confidently submit data to automated underwriting systems, reducing potential delays in approval.
Enhanced: Encompass LOS Integration
In addition to the new Consumer Connect integration, Argyle has enhanced its existing integration with Encompass® LOS, offering even greater flexibility and functionality for lenders. These enhancements improve the order flow, simplify verification tracking, and automate the process of re-verification when necessary.
What’s New?
- Streamlined Order Flow
The newly redesigned order flow gives users a single-page experience, making it easier than ever to track the status of borrower accounts. Lenders can now order, track, and reverify data all from one convenient view. - Transparent Report Tracking
Argyle clearly outlines the status of verification requests, giving lenders the insight they need to move loans forward without delays. This visibility ensures that every verification has the necessary data to move the loan forward, helping teams stay organized and efficient. - Simplified, Automated Re-Verifications
For a seamless closing process, Argyle proactively provides status updates if a verification requires borrower engagement before close, helping teams stay informed and take timely action with ease. It will also generate and send the closing verification of employment (VOE) directly to the Encompass eFolder, reducing the need for manual intervention and ensuring a smooth transition to closing. - Better Support for Loan Teams
Improved email notifications give loan teams clear updates about the verification status, allowing all team members to follow the status of a verification.
Why These Integrations Matter: A Better Mortgage Process for All
The combination of Argyle + Consumer Connect POS + Encompass LOS creates a truly digital-first mortgage experience.
- For Borrowers: A simple, fast, and intuitive loan application experience—no paperwork, no hassle.
- For Lenders: A seamless, fully automated verification process that reduces manual work and accelerates time-to-funding.
- For Underwriters: Faster, more accurate loan data means better compliance and fewer underwriting delays.
See It in Action
Want to see how Argyle’s integrations can transform your mortgage workflows?
Schedule a demo and meet our team to learn more about our integrations.
