Every extra step in a mortgage application is a chance for a borrower to stall out. Every manual verification step is a chance for a loan officer's day to get longer. Since 2025, Argyle and Tidalwave have worked to close both gaps by embedding verification of income and employment (VOIE) directly into Tidalwave's borrower application, so that payroll data becomes part of the process rather than something chased down afterward.

Today, we're expanding that partnership. Banking VOA now joins payroll VOIE inside the same Tidalwave application step, and all of that data – income, employment, and assets – flows directly into the Encompass® loan origination system (LOS) from ICE Mortgage Technology®. One application. One flow into the LOS. A fuller financial picture for lenders, from application through close.

New: Banking VOA Inside the Tidalwave Application

Borrowers completing Tidalwave's Form 1003 can now share bank account data alongside payroll data, without leaving the application or opening a separate portal. What used to be two verification steps, handled at different points in the process, is now one guided flow.

• Everything in one step: Borrowers share payroll and bank account data back-to-back, inside the same guided application, with no separate logins or portals.
• Seconds, not documents: No hunting for pay stubs, bank statements or W-2s. Borrowers share data straight from the source in about the time it takes to log in.
• Built for follow-through: A simpler ask means fewer drop-offs. Borrowers complete verification steps that used to come later, before they ever leave the application.

Enhanced: Real-Time Flow Into Encompass

The borrower-facing change is only half of the story. On the lender's side, that same income, employment, and asset data now flows straight into Encompass as it comes in, so loan officers aren't stuck exporting reports or re-keying anything into the LOS by hand.

• Direct flow into Encompass: Income, employment, and asset data flow automatically into the LOS. No exporting, no re-keying, no waiting on a separate report.
• Records that stay current: Data updates as it comes in, keeping the loan file accurate from application through closing.
• Status on demand: Loan officers can check verification status at any point in the loan lifecycle, whether that's at application or later in underwriting.

"Pairing bank account connections with the payroll connections we already power for Tidalwave gives loan officers a fuller financial picture before a loan ever reaches underwriting. It's a natural extension of a partnership lenders already rely on."

— Daniel Esquibel, VP of Mortgage, Argyle

"Every piece of data a borrower can share up front is one less thing a loan officer has to chase down later. Our goal is to carry that same connected experience through the full mortgage journey, and expanding our partnership with Argyle helps us do that."

— Diane Yu, Co-founder and CEO, Tidalwave

Why This Matters

For borrowers: One guided flow instead of separate requests for pay stubs, bank statements, and W-2s at different points in the process. Less paperwork, less back-and-forth, less chance of stalling out before close.

For loan officers: Real-time visibility into verification status and a loan file that updates itself. Less time spent chasing documents or re-entering data, more time spent moving the loan forward.

For lenders: A fuller financial picture earlier in the process, built on data borrowers share straight from the source through Argyle's consumer-permissioned platform. Argyle is also an authorized supplier for Fannie Mae's Desktop Underwriter® validation service and an approved service provider for Freddie Mac's Loan Product Advisor® asset and income modeler (AIM), so this data can support GSE eligibility as well as day-to-day underwriting.

The expanded integration is available now to mutual Argyle and Tidalwave customers.

Want to see it in action? Reach out to our mortgage team to schedule a demo.

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