The mortgage industry is moving fast toward automation — and Argyle is meeting lenders where that automation happens.

We're expanding our ecosystem of direct integrations to include AI mortgage underwriting and decisioning platforms. For lenders already using these tools to automate income analysis and underwriting decisions, Argyle now connects directly — bringing consumer-directed, direct-source income and employment data into the heart of the decisioning workflow.

Why This Matters for Lenders

AI underwriting platforms are only as good as the data they receive. When that data comes from borrower-uploaded PDFs, lenders inherit all the problems of document-based workflows — extraction errors, processing delays, and elevated fraud risk.

Argyle helps eliminate those problems with direct-source data. With Argyle, consumers can share income, employment, and asset data — through direct connections to their payroll providers and financial institutions — along with supporting documentation, directly into lenders' underwriting tools. No document uploads. No extraction errors. Just clean, direct-source data ready for decisioning.

The result is a faster path from application to close, with better data quality and lower risk at every step.

Announcing Our First Integration: Candor Technology

To kick off this expansion, we're announcing a direct integration with Candor Technology, whose patented Loan Engineering System™ (LES) has completed over 3 million underwrites across 100+ banks, credit unions, and IMBs — with zero repurchases.

Through the integration, borrowers direct Argyle to securely share real-time income and employment data directly from their payroll accounts. That data flows straight into Candor's decisioning engine, which evaluates it against GSE guidelines and investor overlays to calculate qualifying income and issue warranted decisions — often in under 60 seconds, and without any document extraction.

Those decisions are backed by Candor's loan warranty, supported by a AAA-rated insurer, giving lenders speed and repurchase protection in one seamless workflow.

"Integrating direct-source data straight into Candor's automated decisioning means lenders no longer have to wait — the data through Argyle and the Candor decisioning happen together," said John Hardesty, SVP of Revenue at Argyle.

Read the full announcement here.

The Value of Direct-Source Data in an Automated Workflow

When direct-source VOIE data flows into an AI underwriting engine, lenders see the compounding benefits across the entire workflow.

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Key benefits of the Argyle + Candor integration:

• Speed — Achieve automated decisions, often in under 60 seconds (individual results may vary).
• Accuracy — Direct-source income and employment data removes the risk of PDF-based extraction errors and helps mitigate fraud risk.
• Protection — Automated calculations and decisions are backed by Candor’s loan warranty, supported by a AAA-rated insurer.
• Simplicity — The integration works within existing loan origination systems with no change to origination workflows.

Deeper Connectivity Across the Mortgage Workflow

The modern mortgage stack is moving toward full connectivity — where direct-source data flows seamlessly across tools lenders depend on. Argyle is building that future. With established GSE integrations — as an authorized supplier for Fannie Mae's Desktop Underwriter® validation service and an approved service provider for Freddie Mac's Loan Product Advisor® AIM — Argyle is now expanding into the AI underwriting platforms driving the next wave of automation. 

The future of mortgage lending is fully connected — and Argyle is making that a reality.

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