Smarter verification, everywhere in Encompass®
From the borrower portal to the LOS, Plaid delivers one verification experience across Encompass, so lenders move more loans forward.
Simplify the borrower journey
Keep borrowers moving inside Encompass with a faster experience across POS and LOS 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 repurchase risk and support compliant asset verification.
Streamlined lending across your LOS
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's verified asset data meets GSE requirements, delivering reps and warranties relief and giving lenders protection against post-close repurchase risk.
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
A smoother borrower experience
With Plaid built into Consumer Connect, borrowers verify assets during the application, before it reaches the LOS.
Less work for lenders
By offering digital VOA directly in the POS, officers and underwriters accelerate existing workflows without relying on document uploads and manual review.
Less friction for borrowers
No more manual uploads or manual entries. Applicants can autofill their application by securely connecting their financial accounts with Plaid.
Faster, more confident decisions
Verified asset data arrives earlier in the process, so lenders spend less time chasing documents and more time moving loans forward.
