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Streamline and automate your lending process

Plaid’s lending solution drives efficiencies throughout the lending process from pre-qualifications to underwriting to loan servicing. Learn more in our guide for lenders.

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Lenders must gather a holistic picture of their applicants, but the process of collecting income information, account balances, and asset history creates considerable work for borrowers and lenders.

Plaid provides borrowers with an easy, streamlined loan experience; and lenders with access to bank data to make informed loan decisions.

Asset verification

Get a consolidated summary of account balances and transactions as returned by the financial institution

Income verification

Identify recurring income streams with transaction data to verify income and employment

Identity verification

Confirm a user's identity with what's on file at the bank including name and address—to reduce fraud

Loan servicing

Easily authenticate bank accounts when users set up loan repayments via ACH

Liabilities data

Understand a user’s financial obligations including student loan and credit card accounts

Trusted by Fannie Mae

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


Seamless experience

Read our documentation
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