Direct Banking
Complete VOA and VOAI for any consumer in minutes
When you automate asset and income verifications with Argyle, you get deeper insights and dedicated support from a single provider.
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Benefits
The advantages of Direct Banking are transformational
Better, streamlined applicant experience
A seamless, digital-first workflow built into the loan application—designed to increase pull-through and reduce friction.
Centralized support from a single provider
Get world-class support from a team dedicated to your verification success—plus support and billing all from one provider.
Deeper insights and smarter approvals
Access deeper insights into borrower income, employment, and assets through direct-source payroll and banking data.
How it works
Getting an asset verification is fast, easy, and secure
- ①
Customer authentication
Your customer completes a quick connection flow.
- ②
Establish connection
Argyle establishes a direct link to their account records.
- ③
Complete verification
You get a real-time report plus relevant data and documents.
Why Argyle
Market-leading performance with proven banking data quality
Expansive coverage
95%
of the direct deposit accounts
Higher conversion
65%+
across industries
Features
Everything you need for modern verification
Expansive coverage
Access to Mastercard’s open financial network
Automate verifications with access to over 11,000 financial institutions.
Rep and warrant relief
GSE-ready income verifications
Use Argyle with Fannie Mae’s Desktop Underwriter® and Freddie Mac AIM.
Flexible integration
Quick to start, easy to scale
Whether you use our POS/LOS integrations, embed via API, or use our self-serve web-based tool, Argyle fits seamlessly into your existing workflows—delivering minimal lift and optimized data flows.
Mortgage
Reduce production costs, increase pipeline capacity, and shorten loan cycles.
Tenant Screening
Improve data quality to spot application fraud, save time, and increase compliance.
Government Benefits
Improve data quality to spot application fraud, save time, and increase compliance.
Personal Lending
Approve more qualified borrowers, more confidently with a better view of creditworthiness.
Background Check
Accelerate approvals, dramatically lower costs, and reduce manual work.
Gig Economy
Leverage real-time work activity to enhance products and reduce risk.
FAQ
Answers to your frequently asked questions
How does Direct Banking differ from Doc Processing?
What do verification of assets and income (VOAI) reports include?
What do verification of assets (VOA) reports include?
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Ready to see what Argyle can do for you?
Get in touch to learn more about our verification platform.
