mortgage
Faster closings, more certainty
Instantly verify an applicant’s assets, income, and employment—with data straight from the bank.
A simpler path from application to close
Find borrowers sooner
Get an early view of qualification potential, without requiring returning borrowers to re-link bank accounts.
Simplify internal workflows
Give lending teams instant data access, so they can spend less time juggling documents and more time closing.
Cut processing time and costs
Use GSE-approved reports to verify applicant assets in seconds, without paper statements and manual reviews.
Insights in <2 seconds
for eligible users through Instant Link
72M+ asset
verifications
powered by Plaid
1 in 2
U.S. adults
with a bank account have used Plaid to connect to an app or service
One verification flow, every applicant covered
Fast-track eligible returning users
For eligible users, access consumer-permissioned cash flow insights in under two seconds, without requiring them to reconnect.
Manage verification in one place
Access borrower profiles, verification status, and more in one centralized view, making it easier to handle verification and move files forward.
Integrate with LOS and POS platforms
Plaid fits directly into the existing mortgage systems lenders already rely on.
Faster, more confident lending decisions
Identify strong applicants from the start
Access income, assets, cash flow, and other financial insights upfront, so you can focus on qualified borrowers earlier.
Verify assets in seconds, not days
Access up to 24 months of transaction history and account balances in a single, comprehensive report delivered right to your dashboard.
Understand borrower risk
Evaluate borrower risk with cash flow and network insights across income, spending, balances, and financial behavior.
Lower risk with GSE-approved asset reports
Plaid is a certified data provider for Day 1 Certainty™ from Fannie Mae’s Desktop Underwriter® and Freddie Mac’s Loan Product Advisor® AIM.
For every stage of the mortgage lifecycle
Access borrower data at first touch
Use Home Lending Insights to bring consumer-permissioned cash flow insights into the borrower journey early—before moving on to full verification.Move borrowers into verification
Lenders get a comprehensive Home Lending Report—fully compliant with GSE-asset verification requirements—giving them the clarity needed to move with confidence.Bring cash flow into decisioning Expand approvals without increasing risk, with Ls2 Home Lending. It’s built to capture the cash flow signals most predictive of risk for mortgage and HELOCs.
Stay connected after closing Support ongoing servicing needs with real-time updates to consumer-permissioned financial data throughout the life of the loan.
For every stage of the mortgage lifecycle
Access borrower data at first touch
Use Home Lending Insights to bring consumer-permissioned cash flow insights into the borrower journey early—before moving on to full verification.Move borrowers into verification
Lenders get a comprehensive Home Lending Report—fully compliant with GSE-asset verification requirements—giving them the clarity needed to move with confidence.Bring cash flow into decisioning Expand approvals without increasing risk, with Ls2 Home Lending. It’s built to capture the cash flow signals most predictive of risk for mortgage and HELOCs.
Stay connected after closing Support ongoing servicing needs with real-time updates to consumer-permissioned financial data throughout the life of the loan.
Mari Masolini
Director of Product Management29% faster
in loan pre-approvals with Plaid-verified assets than those without
CUSTOMER RESOURCES
See why leading mortgage lenders choose Plaid
Your questions, answered
Reach out if we missed yours.
What is Verification of Assets (VoA) and how does digital asset verification work?
Verification of Assets (VOA) is how lenders confirm an applicant’s available funds, including balances, income deposits, and cashflow. Digital asset verification helps this process happen instantly and securely, with applicants connecting their accounts and sharing bank data—no paper statements needed.
How do mortgage lenders verify assets digitally?
Mortgage lenders verify assets digitally by asking applicants to connect their bank accounts through Plaid’s secure flow. Plaid then provides a Home Lending Report with up to 24 months of balances and transactions.
What types of assets can be verified using bank account data?
Bank account data can verify balances, income deposits, cash flow, recurring payments, and available funds for down payments or reserves.
How can automated asset verification reduce loan processing time and costs?
Automated asset verification reduces time and costs by replacing manual documents with direct data pulls. It shortens underwriting cycles, cuts back-and-forth, and reduces labor for lenders.
Can digital asset verification help reduce fraud?
Digital asset verification helps reduce fraud by pulling data directly from financial institutions, not documents that can be altered. It also flags inconsistencies across application data.
What asset verification standards do the GSEs require for reps and warranties relief?
The GSEs require digital verification that pulls data directly from financial institutions and includes the bank name, all qualifying accounts, and the required lookback period. Plaid’s Home Lending Report satisfies these GSE requirements, enabling lenders to pursue reps and warrants relief.
How does Plaid’s digital asset verification solution enhance the applicant experience?
Plaid’s digital asset verification improves the experience by replacing manual uploads with fast, secure access to bank data. Lenders can send a mobile-friendly link, making verification quick and paperless.
