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Mortgage income Verification

High-speed mortgage income verification

Thanks to our Mortgage Verification Service product, tomorrow’s digital income verification experience is here. Build a better customer experience and exceed borrower expectations. Get accurate proof of income in seconds. Know for certain that your borrower can make their mortgage payments. Happy borrower, happy lender. Everybody wins.

Mortgage income verification illustration - radar chart

See the whole picture with MVS digital income verification

Digital income verification is great, but getting data fast doesn’t mean much if you can’t interpret the information you need just as quickly. Our income verification gives you all the income data you need in an accessible and simple report.

Our income verification reports include

Financial details icon

Borrower details and financial institution for each account

Income icon

Historical and projected annual income

Clear deposit icon

Clear deposit descriptions, types and categories with confidence rankings for income streams

Average income icon

Average net monthly and annual income by employer

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Income streams with up to 24 months of deposit transactions

Revolutionize mortgage lending with digital income verification

Our income verification puts the borrower at the center of the mortgage application process. After all, they’re making one of the most significant purchases of their lives. We want to make buying a home as easy a process as possible for the borrower and as rewarding as possible for mortgage lenders.

Gather deeper insights with confidence rankings, via our advanced data intelligence, for each income stream.

Get long-term insights from multiple sources into a borrower’s income situation.

Enhance decisioning with real-time income data that delivers a more accurate, complete view of a borrower’s income flow.

Meet demand for digital, consumer-centric experiences that satisfy borrowers and enhance the mortgage origination workflow.

We stand out so you can stand out

We work hard to stand out from other mortgage verification solutions so that you can stand out from among your competitors. With our solution you’ll get:

Direct Data Sources

We own and manage 100% of the connections to data sources. Get access to our broad FI coverage and secure oAuth connections. That means higher reliability and greater data quality.

Consumer Reporting Agency (CRA)

Finicity is a registered CRA, which means we follow strict guidelines to guarantee data quality and security. Our position as a CRA can also empower borrowers with the ability to view and dispute verification reports.

Adoption Best Practices

Since we understand that adopting digital solutions isn’t always as simple as clicking “Gather employment information,” we provide adoption best practices resources and training so you can get the most out of Finicity’s income and employment verification and maximize your ROI.

MVS One-Touch Verification

You’ll need to verify more than employment information to make an accurate risk assessment and move along your next home loan. MVS delivers assets, income, and employment verifications through one process that can involve as little as a single engagement experience with the borrower.

GSE Acceptance

We want to make the validation process with GSEs and investors as smooth as possible for mortgage lenders. Our income and employment verification is GSE-accepted and delivers the data quality necessary for loan validation.

Consumer-first Experience

Enable consumer permissioning with Finicity Connect, a fast, secure, and transparent data permissioning experience.

Ready to try tomorrow’s income verification experience?

Certain open banking solutions are provided by Finicity, a Mastercard company.