Most lenders struggle to gain a holistic picture of their applicants due to the amount of work and time it takes to collect income information, account balances, and asset history. It's also a cumbersome process to get borrowers to connect their bank accounts to receive capital and repay loans.

Plaid provides borrowers with an easy, streamlined loan experience while giving lenders access to the user-permissioned bank, payroll, and document uploaded data they need to make informed lending decisions.

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Trusted by Fannie Mae

Plaid is a certified Day 1 Certainty™ asset verification report supplier for Fannie Mae’s Desktop Underwriter®

Seamless experience

Plaid’s login module for end users is easy to customize and drop into an online loan application

Loan applicants choose instant verification 38% more often with Plaid products [Bank Income & Assets] than they did with the previous solution.
Nathan Wiggins, Director of Technology Innovation at Purpose Financial


Verify borrowers’ assets digitally

Assets provides a consolidated report with account balances, uncategorized and categorized transactions, and account identity information

Verify income and employment

Income allows users to verify income and employment in seconds–not days–while streamlining the loan decision process for lenders

Verify borrowers' identities

Identity confirms users' identities with what's on file at the bank—in other words, their name, phone number, address, and email — to reduce fraud

Check balances in real-time

Balance instantly checks whether users have the funds to make a payment or transfer

Instantly authenticate accounts

Auth pulls users' account and routing information info icon, which can be used to enable seamless payments and transfers in the US and Canada, and debit withdrawals in Europe

Check financial obligations

Liabilities (US only) provides a real-time feed of information about a user’s financial obligations including student loans and credit cards

Questions about how Plaid can fit into your business?

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