With Argyle, you can optimize your mortgage experience with seamless integrations.
It’s no secret (in fact, it’s a widely reported trend) that consumers are increasingly opting for fast, frictionless financial experiences—the kind unlocked by direct payroll and banking connections with instant data sharing. Automating key parts of your loan origination flow with real-time income, employment, and assets data benefits you as a lender, too, by shortening verification timelines, decreasing costs, and maximizing ROI.
Too often, these benefits are stalled by disconnected systems. Point-of-sale (POS) and loan origination systems (LOS) often fail to communicate with third-party verification tools, leading to lenders rekeying important information and borrowers having to resend their documents. That’s where the right integrations can make all the difference.
Argyle offers POS and LOS integrations with the mortgage systems lenders rely on most, eliminating the need for lengthy custom builds. This includes:
- POS integrations with nCino, Consumer Connect™, Tidalwave, The BIG Point of Sale™, LenderLogix, and Floify
- LOS integrations with Encompass®, Empower, and Byte
Through these integrations, verified income, employment, and asset data moves smoothly across your existing POS and LOS systems, automatically syncing where it’s needed, when it’s needed. Our network of integrations continues to expand to meet evolving lender needs.
For lenders who prefer a different approach, there’s also Argyle Console—a no-code option that invites borrowers to connect via email or text—and Argyle API for a more customized solution. For edge cases where borrowers need to upload files, Argyle’s Doc Processing solution uses built-in OCR technology to capture and standardize documents automatically, eliminating the need for manual review. With any Argyle method, lenders can access essential verification documents like paystubs and W-2s and generate VOI, VOIE, and VOA reports in a matter of minutes.
Let’s dive a bit deeper into what Argyle can do for your business—and how integrated workflows can unlock industry-leading efficiencies in your mortgage process.
One seamless connection to manage verifications across your lending systems
With Argyle, your applicants can connect using the same credentials they already use to log in to their payroll, employment, or banking account, making the process fast, familiar, and frictionless. Once they’re connected, Argyle can instantly pull their income, employment, and assets data in real time and seamlessly import verification reports and documents into the connected platform.
Argyle integrations also make it easy to tailor the verification experience to your process. Whether it’s verifying income at the POS, confirming borrower assets in your LOS, or auto-populating data for underwriting, Argyle fits into your existing workflow, reduces friction, and helps boost borrower completion rates. Everything happens inside the tools your teams already know, so adoption is smooth and efficiency gains show up fast.
Instant access to payroll and banking documents, directly in your LOS and POS
With Argyle integrations, verified income, employment, and asset documents—from W-2s and 1099s to paystubs and bank statements—flow into your LOS and POS as part of the borrower’s application process. Everything is retrieved directly from the system of record, so you always have the most accurate and up-to-date information and documents at your fingertips.
Better still, Argyle delivers all reports and documentation in fully standardized formats. That means you get the same, clean report every time, whether the borrower works for Uber, Walmart, Suzy’s Cupcakes, or multiple employers. Your teams spend less time sorting through uploads and more time moving loans forward with confidence.
Download sample Argyle verification reports to see how it works.
Real-time, ongoing visibility to lower costs and risk
Using Argyle is like opening a window into your customers’ employer, payroll, and banking accounts, so you get immediate, direct visibility into their work activity, earnings, and assets—all with their fully informed, explicit permission. That not only means up-to-minute, 100% accurate insights straight from the source for smarter, lower-risk decisions. It also means ongoing, uninterrupted access to all the data you need.
Plus, you can reverify the same customer as many times as you want from a single touchpoint without incurring the reverification costs typically charged by legacy databases like TWN.
To repeat, that’s $0 reverifications. In fact, some lenders have reduced their total costs by 80% or more by using Argyle to simplify their verifications.
Whether you implement via integrations, Console, or API—Argyle also provides relief from reps and warranties, as Argyle is authorized for use with Fannie Mae and Freddie Mac programs. That means lenders gain not only real-time, source-verified data, but also the compliance assurance and investor confidence that comes with GSE approval.
Best-in-class support
Argyle’s dedicated customer success managers (CSMs) partner with your leadership and operations teams to ensure connections and integrations are configured smoothly and optimized for performance. From onboarding to daily use, our team provides live training sessions, video tutorials, and detailed guides so your staff can quickly master the verification process and handle common borrower challenges like resetting login credentials or reestablishing a payroll connection.
In addition to onboarding, your CSM helps you track conversion metrics, identify opportunities to improve borrower completion rates, and supply customized resources you can share with borrowers to explain the Argyle process and experience. It’s an ongoing partnership designed to help you get the most out of Argyle, even long after implementation.
With Argyle, you’re never on your own. Our white-glove support ensures you can add seamless payroll, employment, and banking connections to your lending flows without putting unnecessary strain on your development resources.
Learn more about our one-of-a-kind customer success team here.
Get started with Argyle
Ready to see how seamless verifications can be? Reach out to our team to discover the easiest way to integrate income, employment, and assets verifications into your process.
