Institutional lending
Government-source records across your lending lines.
Consumer loans, commercial credit, SBA files and portfolio reviews all turn on the same question: does the stated financial picture match what was reported to the federal government?
Institutional lending
Government-source records across your lending lines.
Consumer loans, commercial credit, SBA files and portfolio reviews all turn on the same question: does the stated financial picture match what was reported to the federal government?
One partner across lending lines
The same account, the same service team and the same reporting environment whether the file is a residential mortgage, a commercial credit request, a consumer loan or an SBA application. The authorization and record type change with the lending need; the operating relationship does not.
Built for examination
Every order, upload and retrieval is logged and time-stamped. When an examiner asks how an income figure was substantiated, the record is retrievable rather than reconstructed.
Volume without a clerical project
Portfolio reviews and periodic reverification can be submitted as managed batches rather than forcing staff to create and track each request individually.
Across the institution
Every lending line, one verification platform.
Consumer, mortgage, commercial, SBA and portfolio review all need government-source records. They do not need separate vendors, separate contracts and separate onboarding to get them.
One institution
SSA data
Wage & Income
4506-C / 8821
SSA
Owner income
Owner and guarantor verification
Bulk processing
Audit history
Built for examination
Built to survive more than underwriting.
In an institution, the lending decision is only the first audience for a verification record. Four other teams will eventually ask about the same file.
| Who asks | What they need from the record |
|---|---|
| Underwriting | The government-source record behind the decision |
| Internal audit | What was ordered, when, and by whom |
| Vendor management | Security and operational documentation |
| Examination | Supporting record retrievable without reconstructing the file |
| Accounting | Loan and reference reconciliation |
Operating models
One platform. Different operating models.
Branch users, centralized operations, portfolio teams and IT rarely want the same thing. They do not have to use the same route.
Start where the institution is today. Automate as far as the operation requires.
Beyond the lending team
Your lending team is not the only team that has to approve us.
Banks and credit unions routinely bring security, compliance, vendor management and IT into the decision. We support that review with documented security information, audit and reporting capability, and direct access to people who can answer operational and technical questions.
Different lending teams can use the service without the institution losing oversight of it. Multiple users, activity by branch or department, your own loan reference carried on every order, order status, invoice reporting and audit history all sit in one administrative view.
Real situations
Government-source solutions.
Problems that come up on the desk, and the record that settles each one.
The experience sets us apart
Twenty-five years of specialized government-source verification.
Ready when you are
One verification relationship across your lending operation.
From an individual consumer file to a commercial credit request or an institution-wide portfolio review, use the government-source record and ordering workflow that fits the lending need.