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FinLocker Partners With Argyle for Consumer-Permissioned Income and Employment Data to Connect Verified and Financially Prepared Borrowers to Mortgage Lenders

By: via Business Wire

Argyle Empowers Aspiring Homeowners to Use Their Own Income and Employment Data to Qualify for a Home Purchase or Refinance

Argyle, the leading employment data platform that provides companies access to user-permissioned employment records in real time, today announced a strategic partnership with FinLocker, which will integrate employment and income data into its financial fitness app to help qualify consumers for a mortgage. This partnership will enable consumers to securely connect their payroll data from over 110 million U.S. employers directly into their FinLocker app, empowering consumers to present themselves to their financial institution as verified borrowers, with their identity, employment, income, credit, and assets confirmed within their app.

This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20211116005391/en/

The Argyle and FinLocker partnership will further enhance a consumer’s experience with their FinLocker app and represents a shared commitment to advance consumer data privacy and equitable access to mortgage products. Mortgage lenders, banks, and credit unions will now have streamlined access to consumers with verified identification, income, and payroll data, in addition to the existing assets and liability data currently provided by the consumers’ financial institutions. Consumers can share this data directly from their FinLocker to start the mortgage application.

“Mortgage decisions are based on a lender’s ability to verify a borrower’s identity, employment, income, credit, and assets. However, this frequently laborious process often requires the borrower to provide multiple documents to their lender, causing friction and slowing down the decision process,” said Henry Cason, CEO of FinLocker. “We chose to partner with Argyle to enhance FinLocker’s data verification process because they align with our mission of empowering borrowers to leverage their consumer-permissioned financial data to gain access to mortgages in an unbiased and more efficient manner.”

"Many workers are kept from financial upward mobility because income and employment data has traditionally been hard to manage, store, and keep track of—and fair access remains elusive. The FinLocker-Argyle partnership gives lenders accurate, real-time visibility into income and employment data so that they can mitigate risk and safely provide valuable mortgage and refinancing services to more individuals. It sets both borrowers and lenders up for long-term success,” said Shmulik Fishman, CEO and founder of Argyle. “We are at the forefront of a monumental shift toward more equitable and user-permissioned standards for mortgage lending to help people achieve their dreams of buying a new home or benefit from refinancing."

By accessing income and employment data directly from the payroll system, Argyle can eliminate substantial friction, like manual document uploads or employment verification phone calls, for both borrowers and loan processing teams. For mortgage lenders, that means shorter turn times, instant verifications for over 70% of the U.S. workforce, and dramatically reduced overall verification costs per loan.

About Argyle

Argyle is building the leading user-consent-based platform for employment data, helping people avoid situations where their personal information is sold or used without their consent or knowledge. With Argyle, any business can process income and work verifications, gain real-time transparency into earnings, as well as view and update worker profile details. By removing the barriers between a worker, the companies they make money from, and the business they buy services and products from, Argyle has reimagined how employment data can be leveraged to benefit both institutions and individuals.

About FinLocker

Headquartered in St. Louis, Missouri, FinLocker provides a secure financial fitness app that aggregates and analyzes a consumer’s financial data to offer personalized journeys to build and monitor their credit, manage their financial accounts, receive their net worth and cash flow analysis, create goals, save and budget to achieve loan eligibility for a mortgage and other financial goals.

Within the FinLocker app, consumers can take a readiness assessment before applying for a mortgage, begin their property search, and securely store personal and financial documents, which can be shared with a lender directly from the app to start their loan application. Mortgage lenders and financial service providers use their white-labeled FinLocker to generate and convert leads, gain market share, cross-sell value-added products, reduce loan processing costs, decrease risk, and create customers for life. For more information, visit FinLocker.com.

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