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It's time to change the way you lend.

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Level up your risk assessment.

With our data-driven insights, understand credit risk like never before.

Open doors to more customers.

For the first time, your borrower’s rent payment history can unlock homeownership eligibility. Create more opportunities using our verification of asset (VOA) report that includes 12 months of rent payment history — at no additional cost.

Choose the data leader in VOA and VOI/E.

The numbers speak for themselves: $3 trillion in loan verifications completed through 48,000 FI connections and 35 of the nation’s leading payroll providers, with coverage for 85% of U.S. workers. We’re the mortgage industry’s go-to provider for automated VOA and VOI/E.

Give borrowers the key to unlocking their Financial DNA.

Our ATP® scoring is an in-depth measure of ability to pay. With visibility into assets, income, employment, credit, tax liens, and civil judgments, ATP scoring offers the most comprehensive view of a consumer’s Financial DNA® ever available to lenders.