PLAID FOR MORTGAGE LENDERS
Faster closings.
More certainty.
Instantly verify an applicant’s assets, income, and employment—with data straight from the source.
Simplify the buying journey
Get more applicants across the finish line with a faster onboarding experience that reduces drop-off and boosts conversion.
Streamline internal workflows
Give loan officers and underwriters verified data on day one so they spend less time on back-and-forth and more time closing.
Cut processing time and costs
Use GSE-certified reports to verify applicant assets in seconds—reducing the need for paper statements and manual reviews.
Easy for applicants and your team
Give applicants a faster way to share their financial data—and your teams a simpler way to act on it.
Onboard with a phone numberLet applicants share asset data from their linked financial accounts with just a phone number.
Let applicants link from anywhere Send a secure link by text or email so applicants can connect their financial accounts from any device.
Easy for applicants and your team
Give applicants a faster way to share their financial data—and your teams a simpler way to act on it.
Onboard with a phone numberLet applicants share asset data from their linked financial accounts with just a phone number.
Let applicants link from anywhere Send a secure link by text or email so applicants can connect their financial accounts from any device.
Move faster with real-time data
Speed up your decisions with real-time data that makes it easy to verify income, assets, and employment—all from a single source.
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.
Faster income and employment checks
Feed your underwriting models with categorized income streams, historical earnings, and employment data to better assess an applicant’s ability to pay.
Lower risk with GSE-approved data
Plaid is a certified data provider for Day 1 Certainty™ from Fannie Mae’s Desktop Underwriter® and Freddie Mac’s Loan Product Advisor® AIM. Our asset verification report is eligible for reps and warrants relief—and also includes income and employment data.
Streamlined access to verified financial data is critical to our ability to offer the right solutions—and we found that in Plaid.
Mari Masolini
Director of Product Management
Support borrowers at every stage
Instantly verify bank accounts
Get account and routing numbers—plus identity information—to enable ACH payments from any U.S. bank or credit union.
Improve payment success rate
Check real-time balances to reduce NSF fees. Use predictive signals to asses ACH return risk before money moves.
Prevent missed payments
Get proactive alerts when borrower cash flow changes—so you can recommend solutions before a payment is missed.
1 in 2
Plaid is used by half of U.S. bank account holders, making it easy to share and verify data faster
12K+
Connect to 12K+ financial institutions—including banks, credit unions, and payroll providers
