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Michelle Young

Spencer van Erkel

Home Lending Insights Blog banner - fall release

Home Lending Insights Blog banner

Qualify Borrowers Earlier with Home Lending Insights

Qualify mortgage and HELOC borrowers earlier. Home Lending Insights via Instant Link delivers income, asset, and cash flow insights in under two seconds.

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Brett Manning

2026 Fall Release: Credit blog banner

Bringing cash flow insights to every lender with Instant Link & LendScore 2

Plaid launches Instant Link and the next generation of LendScore, bringing faster cash flow access and more precise credit risk insights.

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Plaid LendScore

How we built LendScore: Turning cash flow data into credit risk insights

Learn how Plaid built LendScore—transforming cash flow and network data into a risk score to improve underwriting, fairness, and credit access.

How we built LendScore

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Unlock a new dimension to credit risk scoring with Plaid LendScore, powered by cash flow data & network insights. Boost predictive performance and reduce risk.

Plaid LendScore: Unlocking insights never used before in credit scoring

Yesol Shin

Product Marketing Manager

Plaid in Mortgage

Plaid brings next-gen asset verification solution to Encompass®

Discover how real-time, consumer-permissioned data helps lenders verify assets and income—streamlining workflows and driving mortgage automation.

Powering the mortgage process of the future

Eric Sager

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Cash flow data is essential to modern lending. Learn how Plaid and our partners are bringing real-time insights into loan workflows to boost lending outcomes. 

Unlock smarter lending with our ecosystem partners 

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Allison Milton

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Discover how Plaid helps lenders unlock smarter, faster, and more inclusive lending—from prequalification to servicing—using real-time cash flow insights.

How Plaid transforms the full lending lifecycle with cash flow insights

Mike Saunders

Company news

Lending smarter with cash flow data: Plaid’s path ahead in Credit

We're excited to announce that Plaid has formed a new entity that will build ready-made credit risk insights from consumer-permissioned cash flow data. 

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Tech Talk: Lending Smarter with Cash Flow

How leading fintech lenders are incorporating cash flow data to improve credit decisions and gain a holistic view of their customers' finances

Tech Talk: Lending smarter with cash flow data

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Text Block #1 How lenders are driving profitability across the loan lifecycle with alternative data

Watch now! 

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Given the macro environment, lenders are looking for ways to win more business from existing customers and drive profitability using alternative data.

How lenders are driving profitability across the loan lifecycle with alternative data

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Julie Shin and Katie Randolph

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Plaid Assets makes it easy for borrowers to connect their bank accounts, share up to two years of transaction history, and more.

An easier way to automate asset and income verification for lenders

Kimberley Moran

Moving from Open Banking to Open Finance banner

Innovating in the UK's credit information market - how Open Banking can help and why it matters

Find out more about Plaid's lending products

How Open Banking can drive innovation in the credit information market - and why it matters

How Open Banking can drive innovation in the UK's credit information market - and why it matters

Open Banking is one of the main drivers of innovation in the credit information market, according to the Financial Conduct Authority (FCA).

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Julie Shin and Rohan Sriram

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Lenders could benefit from building the most compelling consumer experiences, while also improving backend processes to increase efficiencies and reduce risk. 

3 ways lenders can navigate a changing economic landscape

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Katie Neal

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Acre Homes Q&A

How Acre Home’s Co-Founder uses Plaid to unlock buyer insights and deliver a seamless customer approval application experience

A Q&A with Irene Tollinger of Acre Homes

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Shibani Sanan

Plaid Income

Introduction

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Our Bank Income data quality relies on high-accuracy machine learning models that help categorize income for easy identification and selection from consumers and therefore more accurate information sent to customers. Using our income categorization model, our customer Moneyspot was able to improve their income categorization accuracy by 38% vs. their previous solution<sup>1</sup>.

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<sup>1</sup> Information as provided by MoneySpot USA, LLC in March 2022.



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Introducing Plaid Income: Deliver fast and easy income verification—because income verification should be a smooth experience for both lenders and consumers.

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