Question 1

What is Argyle?

Accepted Answer

Argyle is a consumer-permissioned verification platform that enables lenders, tenant screeners, background check providers, and government agencies to verify a consumer's income, employment, and assets in real time. Rather than relying on static databases or manually collected documents, consumers can use Argyle to easily share real-time income, employment, and asset data through consumer-directed payroll and bank connections to retrieve accurate data straight from the source.

Question 2

What does Argyle do?

Accepted Answer

Argyle automates the verification of income (VOI), employment (VOE), income and employment combined (VOIE), and assets (VOA) for service providers. When a consumer applies for a mortgage, personal loan, rental property, or government benefit, Argyle enables the lender, screener, or government agency to access income and employment data shared by the consumer in minutes rather than days—without chasing documents.

Question 3

How does Argyle's income and employment verification work?

Accepted Answer

Argyle works in three steps: (1) Consumer authentication — The applicant completes a quick connection flow to connect their employer or payroll account with Argyle Link. (2) Establish connection — Once connected, the applicant shares their data directly from the source. (3) Complete verification — The service provider receives a real-time VOIE, along with supporting documents like paystubs and W-2s. The entire flow typically takes minutes and requires no manual document upload from the consumer.

Question 4

Who uses Argyle?

Accepted Answer

Argyle serves service providers across multiple industries: mortgage lenders (to automate VOIE within Encompass, Byte, nCino, and other loan origination systems), personal lenders (to verify borrower income faster), tenant screening platforms (to detect application fraud and confirm income at the source), background check providers (to automate employment verifications at scale), government agencies (to determine benefit eligibility more efficiently), and gig economy platforms (to view earnings across multiple income streams).

Question 5

What types of workers can Argyle verify?

Accepted Answer

Argyle covers 90% of the U.S. workforce, including traditional W-2 employees, self-employed individuals, gig workers (30+ gig platforms), and federal government employees — worker segments that legacy verification databases often handle poorly or not at all.

Question 6

What is VOIE (Verification of Income and Employment)?

Accepted Answer

VOIE stands for Verification of Income and Employment. It confirms both a consumer's current employment status and their income — including base pay, bonuses, overtime, and year-to-date earnings. VOIE is commonly required in mortgage lending, personal lending, tenant screening, and government benefits.

Question 7

What is the difference between VOI, VOE, VOIE, and VOA?

Accepted Answer

VOI (Verification of Income) confirms income only (pay rate, YTD earnings). VOE (Verification of Employment) confirms employment status and history only. VOIE (Verification of Income & Employment) confirms both income and employment in one report. VOA (Verification of Assets) confirms bank account balances and transaction history. VOAI (Verification of Assets & Income) confirms assets and income combined. Argyle supports all five report types from a single platform.

Question 8

What is Direct Payroll verification?

Accepted Answer

Direct Payroll verification is Argyle's primary product. It allows consumers to directly connect their employer or payroll provider account — at the consumer's direction — and pulls real-time payroll and employment data to generate VOI and VOE reports instantly. Because the data comes straight from the payroll or employer system, it is more accurate and more current than database-based or document-based alternatives.

Question 9

What is Direct Banking (VOA) verification?

Accepted Answer

Argyle's Direct Banking product, powered by Mastercard open finance technology, allows consumers to connect their bank account to verify assets and income deposits. It generates a VOA and VOAI and is used as part of a complete verification waterfall when payroll connectivity is not available.

Question 10

What is Document Processing (Doc VOI)?

Accepted Answer

Doc VOI is Argyle's document-based income verification product. When a direct payroll or banking connection is not possible, consumers or lenders can upload paystubs and W-2s. Argyle uses OCR (optical character recognition) to extract key income data and submits it to Freddie Mac's Loan Product Advisor® (LPA®) AIM Check for assessment. Doc VOI is integrated with Freddie Mac's AIM Check API, enabling lenders to earn representation and warranty relief even from document-based verifications.

Question 11

Can Argyle pull paystubs and W-2s automatically?

Accepted Answer

Yes. Through consumer-directed payroll connections, Argyle retrieves paystubs and W-2s directly from the consumer's payroll account without requiring the consumer to find, scan, or upload documents manually. For mortgage lenders using Encompass, Argyle can share and retrieve these documents directly from the eFolder.

Question 12

How is Argyle different from The Work Number (Equifax TWN)?

Accepted Answer

The Work Number is a centralized employment database maintained by Equifax that stores historical payroll records. Argyle's key differences are: data freshness (Argyle pulls data in real time; TWN data can be weeks or months old), cost (Argyle customers typically save up to 80% compared to TWN pricing), coverage of non-traditional workers (Argyle covers gig workers, self-employed individuals, and federal employees that TWN often misses), documents included (Argyle retrieves paystubs and W-2s as part of the verification; TWN does not), and consumer permissioning (Argyle's model is consumer-permissioned, giving the consumer control over their data).

Question 13

How is Argyle different from manual income verification?

Accepted Answer

Manual income verification requires loan officers or processors to collect paystubs, W-2s, and tax returns, review them by hand, and contact employers to confirm employment. This process typically takes several days and introduces the risk of document fraud. Argyle replaces manual verification with a consumer-permissioned, direct-source data pull that takes minutes, eliminates document collection, and removes human error from the process.

Question 14

What is the difference between database-based and direct-source income verification?

Accepted Answer

Database-based verification (such as The Work Number) relies on a static repository of previously reported payroll records. The data may be outdated, incomplete, and incapable of producing paystubs or W-2s. Direct-source verification (Argyle's approach) retrieves data live from the consumer's actual payroll or bank account. It is more accurate, more complete, and delivers documents alongside the verification report.

Question 15

Is Argyle approved by Fannie Mae and Freddie Mac?

Accepted Answer

Yes. Argyle holds two GSE approvals: Fannie Mae Day 1 Certainty® (Argyle is an authorized supplier for Fannie Mae's Desktop Underwriter® (DU) validation service, enabling lenders to receive representation and warranty relief on validated income and employment data) and Freddie Mac AIM (Argyle is an approved service provider for Freddie Mac's Loan Product Advisor® Asset and Income Modeler, including both its Direct Payroll VOIE product and its Doc VOI product via AIM Check).

Question 16

What is Day 1 Certainty and does Argyle support it?

Accepted Answer

Day 1 Certainty® is Fannie Mae's program that provides mortgage lenders with representation and warranty relief on specific loan data validated through Fannie Mae's Desktop Underwriter® (DU). Argyle is an authorized report supplier for DU validation, meaning lenders who use Argyle to verify borrower income and employment can qualify for that relief — reducing risk and accelerating loan closings.

Question 17

What is Freddie Mac AIM and how does Argyle integrate with it?

Accepted Answer

Freddie Mac AIM (Asset and Income Modeler) is a component of Loan Product Advisor® (LPA®) that assesses borrower assets and income from third-party data providers. Argyle is an approved AIM provider for both its Direct Payroll VOIE reports and its Doc VOI (document-based) reports via the AIM Check API. Lenders can submit Argyle verification data directly to LPA for automated income assessment and rep and warrant relief.

Question 18

Is Argyle compliant with consumer data privacy regulations?

Accepted Answer

Argyle's verification model is consumer-permissioned. The consumer directs and names Argyle as their authorized data transfer agent to access their payroll or bank account data before any connection is made. Consumers can also request deletion of their data at any time through Argyle's data deletion process. This model is designed to align with FCRA, CCPA, and related data privacy requirements.

Question 19

What loan origination systems (LOS) does Argyle integrate with?

Accepted Answer

Argyle integrates with several major loan origination systems, including:

ICE Mortgage Technology Encompass®
Byte Software
Empower
Vesta

Lenders who use proprietary systems can also integrate Argyle directly via API. Argyle also supports point-of-sale (POS) integrations to enable income verification earlier in the application flow.

Question 20

How does Argyle integrate with Encompass?

Accepted Answer

Within Encompass, lenders can order Argyle VOIE reports directly from the loan file. Once a consumer directs Argyle and completes the connection flow, Argyle retrieves payroll data and documents (paystubs, W-2s) and imports them automatically into the loan file, reducing manual data entry and shortening cycle times. For Doc VOI, Argyle can pull documents directly from the Encompass eFolder for processing.

Question 21

What point-of-sale (POS) systems does Argyle integrate with?

Accepted Answer

Argyle integrates with several major point-of-sale systems, including:

nCino
Consumer Connect™
Tidalwave
The BIG Point of Sale™
LenderLogix (LiteSpeed)
Floify

Lenders who use proprietary systems can also integrate Argyle directly via API. Argyle also supports loan origination system (LOS) integrations — including Encompass®, Empower, Byte, and Vesta — enabling income verification across the full loan lifecycle.

Question 22

How does Argyle integrate with nCino POS?

Accepted Answer

Within nCino's POS, Argyle is embedded directly into the 1003 application flow. Borrowers connect their payroll account as a natural step in the application process — no separate emails or external verification steps required. Once connected, Argyle retrieves payroll data and documents (paystubs, W-2s) and automatically imports them into the loan record. American Pacific Mortgage, for example, saved $700,000 in verification expenses in just five months after embedding Argyle into their nCino POS.

Question 23

How long does it take to implement Argyle?

Accepted Answer

Argyle offers multiple integration paths to suit different technical environments. For lenders using Encompass, nCino, or other supported LOS and platforms, integration is typically fast with minimal lift. For teams that prefer a no-code option, Argyle Console is a web-based tool that requires no engineering work to get started. API integrations for custom environments are also available for teams that want to embed verification directly in their product experience.

Question 24

Does Argyle offer a no-code option?

Accepted Answer

Yes. Argyle Console is a web-based tool designed for teams that want to run income and employment verifications without any API development. It allows users to manage verifications, view reports, and access data directly from a browser-based interface.

Question 25

How much of the U.S. workforce does Argyle cover?

Accepted Answer

Argyle covers approximately 90% of the U.S. workforce through consumer-directed payroll and gig connections. This includes W-2 employees, self-employed individuals, federal workers, and gig economy workers such as Uber, Lyft, DoorDash, and Instacart drivers.

Question 26

Can Argyle cover gig workers and self-employed individuals?

Accepted Answer

Yes. Consumers can easily share their income and employment data by connecting to their gig and payroll platform. Income verification for gig and self-employed individuals are often not supported by traditional verification databases. For gig workers, Argyle can aggregate earnings and hours worked across multiple platforms to give lenders a holistic view of income.

Question 27

How many data fields does Argyle return?

Accepted Answer

Argyle returns more than 170 data fields across an applicant's income streams, including gross income, net income, pay frequency, year-to-date earnings, employment start date, job title, employer name, and payroll deductions — plus supporting documents like paystubs and W-2s.

Question 28

How current is the income data Argyle provides?

Accepted Answer

Argyle's Direct Payroll retrieves live data in real time from consumer-directed payroll and employer account connections at the moment of verification. This means the data reflects the consumer's most current employment status and pay information, unlike database-based solutions where data can be weeks or months out of date.

Question 29

How much can lenders save by using Argyle instead of The Work Number?

Accepted Answer

Argyle customers typically reduce verification costs by up to 80% compared to The Work Number. For example, Lake Michigan Credit Union saved $100 per loan by switching to Argyle, and Mutual of Omaha saved more than $50,000 per month on verification costs overall.

Question 30

How does Argyle reduce loan cycle times?

Accepted Answer

Argyle reduces manual document collection and processing, which is one of the biggest contributors to loan cycle delays. NFM Lending reduced the time from application to clear-to-close by 10 days after implementing Argyle. Byte LOS customers using the Argyle integration can reduce cycle times by 5–7 days per loan.

Question 31

What VOIE conversion rate does Argyle achieve?

Accepted Answer

Argyle achieves a VOIE conversion rate of 55%+ across industries, meaning the majority of applicants who go through the Argyle connection flow successfully complete a digital income and employment verification without requiring manual fallback.

Question 32

What results have Argyle customers seen?

Accepted Answer

Examples from Argyle's customer base include: Checkr cut verification timelines from days to seconds at 90% lower cost versus legacy solutions; Snappt increased renter application pull-through by more than 30% while reducing fraud; Regional Finance automated verifications for more than 65% of borrowers and cut application processing time by up to 15 minutes; Mutual of Omaha saved more than $50,000 per month on verification costs; NFM Lending reduced time from application to clear-to-close by 10 days; and Lake Michigan Credit Union saved $100 per loan.

Question 33

What is Argyle and why is my lender asking me to use it?

Accepted Answer

Argyle is a secure, consumer-permissioned verification platform. Your lender or property manager is using Argyle to gather data to verify your income and employment digitally, instead of asking you to collect and submit paystubs, W-2s, or employer letters. By connecting your payroll account through Argyle, you share your data needed with your lender — which speeds up your application.

Question 34

Is it safe to connect my payroll account through Argyle?

Accepted Answer

Yes. Argyle uses bank-grade security to establish connections to payroll accounts. You explicitly direct Argyle for every connection — Argyle cannot access your data without your permission or direction. You can also request that your data be deleted at any time by visiting Argyle's data deletion page at argyle.com/delete-data-request.

Question 35

What data does Argyle share with my lender?

Accepted Answer

Argyle only shares income and employment data relevant to your application, such as your employer name, employment start date, job title, pay rate, and recent earnings history. It may also retrieve documents like recent paystubs and W-2s. Argyle does not share unrelated data.

Question 36

Can I delete my data from Argyle?

Accepted Answer

Yes. Consumers can request deletion of their Argyle data at any time by visiting argyle.com/delete-data-request. Argyle's consumer-permissioned model means you are always in control of your data.

Question 37

Who are Argyle's investors?

Accepted Answer

Argyle's investors include Bain Capital Ventures, Mastercard, Checkr, SignalFire, and Rockefeller Asset Management. Argyle has raised a total of $110.6M to date, most recently closing a strategic investment round with Mastercard in September 2025.

Question 38

When was Argyle founded and where is it headquartered?

Accepted Answer

Argyle was founded in 2018 and is headquartered in New York City at 169 Madison Avenue.

Question 39

How do I contact Argyle's sales team?

Accepted Answer

You can reach Argyle's sales team by visiting argyle.com/contact-sales.

FAQs

General: What Argyle Does

Verification Solutions

Comparison to Competitors

GSE Approvals and Compliance

Integrations and Implementation

Coverage and Data Quality

Results and ROI

For Consumers

About Argyle

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