Verify assets faster, right inside Encompass®
Digitally verify assets using Plaid’s Home Lending Report, now available directly in the Encompass loan origination system.
Simplify the borrower journey
Keep borrowers moving inside Encompass with a faster application experience that reduces drop-off and boosts completion.
Free up loan teams
Lending teams manage asset verification and application review in fewer steps, without leaving the Encompass dashboard.
Give lenders peace of mind
Use GSE-approved reports designed to reduce risk and support compliant asset verification.
Streamlined lending, all on one platform
Help applicants share bank data faster
Borrowers can securely link their financial accounts using just a phone number, helping lenders get verified asset data they need to keep applications moving.
Get a full picture of borrowers’ finances
Access up to two years of consumer-permissioned transaction history, average balances, asset-derived income, and more in a single, structured report.
Do more within Encompass
Lending teams can verify assets in seconds, track verification status, and move loans forward faster through Plaid’s purpose-built dashboard inside Encompass.
Lower risk with GSE-approved asset data
Plaid helps lenders confidently meet GSE asset verification requirements, strengthening their eligibility for reps and warranties relief.
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
80% conversion
for account linking in lending applications
How Plaid works in Encompass
1. Simple account linking
Borrowers can securely link their bank accounts in seconds with an account linking interface used by 1 in 2 U.S. bank account holders.
2. Automatic report creation
A Plaid Home Lending Report is created for the borrower and is securely delivered to the lender via Encompass for fast and easy review.
3. Complete verification and move loans forward
Lending teams review verified asset data that meets GSE requirements and track verification status within Encompass, helping them move with confidence.
