For years, mortgage lenders have managed income and employment verification in one platform and asset verification in another — often through separate vendors, separate contracts, and separate borrower touchpoints. The result is a fragmented process that slows closings, frustrates borrowers, and creates operational overhead that compounds at scale.

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We built Argyle to fix that. And today, we're taking the biggest step yet.

Introducing the 3-in-1 Verification 

Argyle's 3-in-1 Verification brings income, employment, and asset verification together in a single, consumer-permissioned workflow — fully integrated within nCino and Encompass. One vendor. One contract. One integration.

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The 3-in-1 Verification is designed to streamline pre-approval, processing and underwriting workflows across the mortgage lifecycle. Along with creating a better experience for lending teams, it simplifies the verification experience for borrowers through a combined journey.

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No more juggling multiple platforms or managing overlapping integrations. Your team can initiate, monitor, and complete the full verification workflow from a single interface, while borrowers move through the process in a single, cohesive experience.

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This is what unified verification actually looks like in practice.

What's New

nCino + Argyle for Asset Verification in the POS

We're expanding our integration with nCino to bring direct-source banking connections directly into the point-of-sale. Borrowers can now connect their bank accounts and verify assets at the start of the application — not as an afterthought.

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Capturing asset data earlier means faster insight into borrower financials, fewer follow-up document requests, and more confident decisions earlier in the lending process.

Payroll VOIE + Asset Verification, Together in Encompass

Asset verification is now fully integrated into Argyle's Encompass experience. Lenders can manage income, employment, and asset verifications from one place — eliminating the workflow gaps that slow files down and force loan officers to context-switch between systems or providers.

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Two-Way Sync Between nCino and Encompass

Verifications initiated in the POS don't disappear into a silo. With seamless two-way communication between nCino POS and Encompass LOS, your team can review and refresh verifications without switching systems. 

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A Better Borrower Experience

Borrowers now receive a single email or text message to verify income, employment, and assets together. One link. One session. One complete picture.

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This reduces confusion, increases completion rates, and gives both borrowers and lenders better visibility into where verifications stand. We've also refreshed the order screens in Encompass to match — cleaner, more intuitive, and designed to reduce back-and-forth.

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Doc VOI When Direct Connections Aren't Available

Not every borrower has a payroll connection available. That's why the workflow can also include Doc VOI, which automatically extracts and analyzes borrower-uploaded paystubs and W-2s when direct-source connections can't be established.

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Files keep moving. Manual review is reduced. And the experience stays consistent — all within the same workflow.

Why This Matters

The mortgage industry has operated with a verification status quo that was never designed for the way lenders work today. Verification has been additive — each new data type came with a new vendor, a new integration, a new borrower touchpoint.

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The cost of that model adds up fast. Traditional employment and income verification through incumbent providers like The Work Number (Equifax) charges per-hit fees that can run $30–$50 or more per verification — and that's before layering in separate asset verification costs. For lenders processing thousands of loans a month, the bill is significant. And because verifications often need to be refreshed as loans move through underwriting, many files generate multiple hits on the same borrower.

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Argyle's 3-in-1 Verification is a different architecture. Consumer-permissioned data from payroll providers and bank accounts, document parsing when needed, all surfaced through a single workflow that lives where your team already works — at a cost structure that reflects a model built for the modern mortgage process, not the one from twenty years ago.

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Fewer handoffs. Faster decisions. A borrower experience that actually holds together. And a verification cost structure that finally makes sense.

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Ready to see the 3-in-1 Verification in action? Contact us to schedule a demo.

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