Close loans faster without the paperwork
Verify assets in seconds within Xactus with an integration from Plaid. No uploads, no delays. Just real-time insights that keep applications moving.
A faster borrowing experience
With just a linked account and phone number, applicants can securely share asset data in seconds.
Compliance made simple
Lenders receive asset data in a structured format that complies with GSE requirements, cutting manual work and speeding time to close.
Real-time applicant insights
Know what borrowers can afford today with up-to-the-minute cash flow insights, income patterns and recent employer deposits.
Streamlined lending in action
Give applicants a faster way to connect
Borrowers can link their accounts in seconds—often with just a phone number—through a fast, familiar experience that minimizes friction.
Verify assets instantly
Get up to 24 months of transaction history and account balances in one lender-ready report delivered straight to your dashboard.
Underwrite with confidence
Swap out paper bank statements for a real-time view of assets and cash flow to better assess a borrower’s current ability to pay.
Manage risk with GSE-authorized data
Plaid is an authorized report supplier to Fannie Mae and Freddie Mac, helping lenders meet asset verification requirements with submission-ready reports.
Streamlined lending in action
Give applicants a faster way to connect
Borrowers can link their accounts in seconds—often with just a phone number—through a fast, familiar experience that minimizes friction.
Verify assets instantly
Get up to 24 months of transaction history and account balances in one lender-ready report delivered straight to your dashboard.
Underwrite with confidence
Swap out paper bank statements for a real-time view of assets and cash flow to better assess a borrower’s current ability to pay.
Manage risk with GSE-authorized data
Plaid is an authorized report supplier to Fannie Mae and Freddie Mac, helping lenders meet asset verification requirements with submission-ready reports.
80%
Complete account linking
Up to 80% of applicants complete account linking, so lenders get the data they need faster.
29%
Faster using Plaid-verified assetsLenders like Zillow Home Loans use Plaid-verified assets to speed pre-approvals by reducing manual work and decision time.
1 in 2
U.S. bank account holders use Plaid
Customers already bank with the financial institutions powered by Plaid.