Argyle

“As Argyle’s network continues to expand, so will its value to our business.”

“I have high hopes for what their platform will provide,”

“As Argyle continues to extend their coverage, their technology will help us onboard new sectors we’re hoping to target.”

“We’re aiming to become the go-to lender for all employees,”

“But it’s also clearer and more intuitive in the way that it’s presented.”

“Argyle has made it easier and faster for our customers to access our services, easier and faster for our underwriters to evaluate and approve applications, and easier and faster for our service reps to tap into a customer’s information—improving our operations across the board.”

“Argyle speeds up the entire process and makes it extremely easy to access customer data.”

“We’re not looking to stand still on volume. We’re looking to grow aggressively over the next several years. If we can do that with a similar headcount and a lot more efficiency, we all win.”

“How much cooler is that for a borrower, that they didn’t have to dig out pay stubs and W-2s? It really paints the picture that we have modernized the loan process. It’s not the old school back and forth.”

“There’s nothing worse than going back to a borrower for a new pay stub or bank statement. Now we can just refresh the reports. The savings and efficiencies make it a no-brainer.”

“We were able to go back to the sales team and say, your borrowers are not upset with this experience. If you’re hesitant, that’s a you thing, not a borrower thing.”

“We saved a quarter of that number in just the first three months of the year. When you annualize it and factor in stronger quarters ahead, you’re looking at over a million dollars a year in savings, on top of the efficiency gains, rep and warrant relief, and everything else.”

“If I see a loan that flipped, I go tell the loan officer, ‘Hey, that loan you had with the 580 credit score and the 49% DTI? You got approve-eligible because your borrower connected their assets and we found a rental payment history.’ Celebrating those wins really got adoption moving on the sales side.”

“I wrestled with this for a long time. Big credit goes to Chrissy Brown, our COO, and Julie on our team. They were passionate about putting it in the loan app from day one, and it’s been a huge success.”

“We literally built an Excel spreadsheet of every criterion that mattered to us and stacked the providers against it. Argyle landed on top, especially for income validation.”

“Nobody really prepares you for the fact that buying your first home is a lot of paperwork. That isn’t in line with the other borrowing experiences people have today, and borrowers are going to expect more. We wanted to get ahead of that.”

“The astronomical costs of verification that we were paying out every single month just kept growing and growing. We needed to find alternative ways to do it.”

“I’m a big fan of swimming with the current, not against the current. The more Fannie and Freddie talked about it, the more I realized we needed to be on this boat. If we don’t, we’re going to fall behind,”

“This is a team that truly understands lenders,” concludes Sarma. “It’s not just about the cost-effectiveness and excellent product—it’s about the people behind it. The Argyle team is a pleasure to work with, always keeping our best interests at the heart of the solution.”

“The partnership with the Argyle team is excellent,” said EVP of Technology Nixon Edward. “I would rate it as one of the top integration experiences we have had. Argyle is very attentive and involved to ensure our success and drive us over the finish line more quickly than we ever dreamed.”

“Argyle delivers every data field required by the GSEs more than 95% of the time, and because of that, they really shine in getting rep and warrant relief for the lender,” said Sarma. “About one-fifth of loan files that contain an Argyle VOIE report are deemed eligible for rep and warrant relief which is much higher than we’ve seen from other verification providers.”

“Better conversion leads to better customer experiences,” said Sarma. “We’ve seen that Argyle successfully delivers VOIE reports for borrowers from all walks of life, including self-employed, gig and federal workers.”

“Everyone’s heard by now that the cost of origination is only going up, and in the current market pull-through is an important concern,” said Sarma. “Argyle’s competitive pricing has empowered us to continue passing our cost savings to our borrowers.”

“It was clear from our first conversation that Argyle works hard to deliver the highest data quality and conversion rates possible at a fraction of the cost of other solutions,” said Sarma. “We decided to give it a try, and we’ve been extremely pleased by the results.”

“Argyle was already making huge strides in the industry when it became the first VOIE provider in its class to secure Day 1 Certainty authorization from Fannie Mae,” said Sarma. “That’s what really ignited our interest: knowing we could consider a lower-cost option without sacrificing the repurchase risk reduction benefits of our legacy providers.”