Income verification is one of the most critical—and often challenging—steps in the loan origination process. Manual reviews of paystubs and W-2s are slow, costly, and inconsistent. Legacy databases often add expense without delivering the real-time accuracy lenders need. And when direct payroll or bank connections aren’t available, applicants and lenders are left waiting.
With Doc VOI, Argyle now completes the verification waterfall. By uniting Payroll + Banking + Docs in one platform, lenders can qualify more applicants with fewer delays, lower costs, and greater confidence.
Verifications should be seamless, not a bottleneck. That’s why we built Doc VOI—our new automated, document-based income verification report integrated with Freddie Mac’s AIM Check.
With Doc VOI, lenders can verify income from uploaded payroll documents such as paystubs and W-2s in minutes, not days—while also unlocking rep & warrant relief.
Why Doc VOI Matters
Doc VOI expands what’s possible in income verification. It enables lenders to:
- Cut costs by reducing dependence on expensive legacy providers and static databases.
- Unlock rep & warrant (R&W) relief on more loans by enabling AIM-eligible income calculations from documents.
- Accelerate underwriting with early income assessments that arrive before a full AUS submission.
- Boost efficiency by automating document reviews and freeing teams to focus on higher-value work.
This means lenders can get to “yes” faster, reduce overhead, and deliver a smoother borrower experience.
How It Works
Doc VOI uses optical character recognition (OCR) to extract income data from uploaded paystubs and W-2s. That data is automatically submitted to Freddie Mac’s AIM Check API for assessment. Within minutes, Argyle delivers a clear, structured income report directly into the lender’s LOS.
- Encompass integration: Paystubs and W-2s can be retrieved from the eFolder and verified.
- API integration: Lenders with proprietary systems can connect directly.
- Automated reporting: AIM-eligible results return quickly, providing visibility earlier in the origination process.
The result? Faster, cleaner AUS submissions and fewer manual reviews. Learn more about Doc VOI here.
Completing the Verification Waterfall
With the launch of Doc VOI, Argyle now covers every step of the verification waterfall:
- Direct payroll connections (VOIE / VOE) – Direct-source, consumer-permissioned payroll data covering 90% of the U.S. workforce.
- Direct banking connections (VOA / VOAI) – Direct-source, consumer-permissioned asset data asset covering 95% of direct deposit accounts.
- Doc processing (Doc VOI) – Direct-source, consumer-permissioned income data from uploaded payroll documents.
By unifying Payroll + Banking + Docs, Argyle ensures lenders can qualify more applicants with fewer vendors, less friction, and higher borrower conversion. Instead of piecing together solutions across multiple providers, everything runs through one platform—delivering consistency, cost savings, and operational simplicity.
“By combining payroll, banking, and docs, Argyle enables customers to run their entire waterfall through one provider, driving more qualifications, less manual work, and higher conversion,” — Brian Geary, COO, Argyle
Why It’s a Game-Changer
Doc VOI doesn’t just add another product—it completes the ecosystem. With Payroll + Banking + Docs in a single platform, lenders can:
- Lower costs: Minimize reliance on expensive, static database providers by accessing more timely, dynamic income data at a fraction of the cost.
- More loans eligible for R&W relief: By automating document-based verifications that would otherwise be manual, Doc VOI expands the share of loans that qualify for GSE rep & warrant relief.
- Faster, higher-quality decisions: Early income assessments equip lenders with verified data sooner in the process—leading to cleaner AUS submissions and faster underwriting.
- Greater efficiency: Automated document analysis reduces manual reviews, freeing up teams to focus on higher-value activities that move loans forward.
Together, these benefits help lenders process more applications with less friction—while improving the borrower experience and maximizing the impact of the verification waterfall.
What Customers Are Saying
“Working with Argyle has helped us streamline verifications for both our team and our borrowers. Including Doc VOI in our verification process gives us confidence that we can quickly qualify borrowers using documents when needed. This flexibility ensures a smooth borrower experience and supports timely processing.” — Cindy Keith, Chief Strategy Officer, NFM Lending
Get Started
Doc VOI is available now as part of Argyle’s verification platform. To see how Doc VOI, alongside payroll and banking data, can maximize your verification waterfall, schedule a demo.
