Argyle launches fully embedded VOIE for mortgage lenders through nCino integration
- Enhanced integration boosts loan pull-through and quality with direct data flow from the point of sale to the loan origination system -
NEW YORK CITY, N.Y., Feb. 10, 2025 (SEND2PRESS NEWSWIRE) — Argyle, a service provider automating income and employment verifications for some of the largest mortgage lenders in the United States, today announced significant enhancements to its integration with nCino (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions.
Argyle and nCino first teamed up in 2022 to bring fully digital verification of income and employment (VOIE)—including reports, pay stubs and W-2s—to the more than 370 mortgage companies and 52,000 loan officers that rely on nCino to manage the loan application process.
The latest enhancements to the integration, now available to all nCino customers, improve application pull-through and loan quality by allowing lenders to embed VOIE directly into the point-of-sale (POS) workflow within nCino's Mortgage Suite. In addition to retrieving VOIE reports and pay documents from Argyle, nCino now captures data elements like GSE Reference IDs and automatically transfers them to the lender's loan origination system (LOS).
Key Integration Enhancements:
Friction-Free Verification: Instead of inviting their customers to verify income and employment with an email or SMS, lenders can now simplify borrower interactions and improve application pull-through by presenting Argyle's VOIE solution as an embedded, in-app experience directly in the Form 1003 application flow within nCino Mortgage.
Customizable Workflows: With Argyle and nCino Mortgage, lenders can tailor VOIE workflows and customize payroll connection lists for each of their business units or operating groups, creating personalized experiences that enhance borrower satisfaction.
Faster, More Accurate AUS Submission: In addition to W-2s, pay stubs and VOIE reports, Argyle's raw income data elements automatically populate in the Uniform Residential Loan Application (URLA) to accelerate GSE rep and warrant (R&W) determination. Argyle's extensive payroll coverage and focus on data completeness can improve the frequency with which lenders secure R&W relief.
LOS Interoperability & Continuous Synchronization: nCino automatically passes new VOIE data and documents on to the lender's LOS, enabling a simplified employment re-verification process during the 10-day pre-closing window and ensuring data accuracy across all systems of record throughout the loan lifecycle.
Argyle streamlines loan origination and delights borrowers by eliminating manual document collection, resulting in time savings of 5–7 days per loan and cost savings of 60–80% compared to legacy VOIE solutions. Argyle Vice President of Mortgage John Hardesty expects the enhancements to the nCino integration will drive greater adoption among mutual lender customers, enabling them to fully capitalize on these benefits.
'Our expanded integration with nCino reflects Argyle's commitment to meeting lenders and their customers throughout the loan journey. Embedding Argyle's VOIE at the point of sale gets loans through the loan process faster with accurate, complete data lenders and GSEs can trust,' said Hardesty.
'Embedding Argyle directly into the nCino Mortgage Suite makes it easier for lenders to process applications efficiently and provide borrowers with a smooth experience. Our collaboration is all about accelerating VOIE and ensuring borrower data flows smoothly from Argyle to nCino, through LOS platforms and into GSE systems with accuracy,' said Casey Williams, general manager of nCino Mortgage.
To learn more, watch a demonstration of Argyle and nCino working in concert to deliver faster, more accurate loan decisions and a better borrower experience: https://argyle-1.wistia.com/a/czertthflsopxne
Founded in 2018, Argyle is the leading provider of real-time income and employment verifications. As an authorized report supplier for Fannie Mae's Desktop Underwriter® validation service and an approved service provider supporting Freddie Mac's Loan Product Advisor® asset and income modeler (AIM), Argyle empowers mortgage lenders to auto-retrieve paystubs and W-2s, understand consumers' ability to pay and improve loan quality—all at 60–80% less cost. Argyle's commitment to innovation is backed by investors including Bain Capital Ventures, SignalFire, Checkr and Rockefeller Asset Management.
###
MEDIA ONLY CONTACT:
(not for publication online or in print)
Leslie W. Colley
Depth for Argyle
[email protected]
(678) 622-6229
###
Keywords: Mortgage, Argyle, nCino, income and employment verifications, NASDAQ: NCNO, loan origination system, NEW YORK CITY, N.Y.
This press release was issued on behalf of the news source (Argyle) who is solely responsibile for its accuracy, by Send2Press® Newswire. Information is believed accurate but not guaranteed. Story ID: S2P123909 AP-R15TBLLI
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Yahoo
an hour ago
- Yahoo
S&P 500 Gains & Losses Today: J.M. Smucker Stock Sinks, Tesla Shares Recover
The S&P 500 added 0.6% on Tuesday, June 10, 2025, as investors awaited developments in trade negotiations between the U.S. and China. Tesla shares moved higher as social media posts from CEO Elon Musk promoted the company's upcoming robotaxi launch. Declining sales of sweet baked goods weighed on the performance J.M. Smucker, and shares of the food maker U.S. equities indexes climbed Tuesday as trade representatives from the U.S. and China engaged in talks for a second straight day. Both the S&P 500 and the Nasdaq ended the session with gains of around 0.6%, while the Dow was up 0.3%. Read Investopedia's full coverage of the day's trading here. Intel (INTC) shares surged nearly 8%, gaining the most of any stock in the S&P 500. Shares of other semiconductor makers also moved higher as the U.S.-China talks bolstered hopes for looser export restrictions. Although Apple (AAPL) said it will end support next year for Mac computers built with Intel's processors, providing more evidence of the transitional period faced by the chipmaker, analysts have expressed confidence in the ability of CEO Lip-Bu Tan, who took the reins of in March, to drive a turnaround at Intel. Caesars Entertainment (CZR) shares jumped 5.7%. TD Cowen analysts reiterated a "buy" rating on the casino operator's stock, noting that the company's loyalty program has helped drive entertainment, food and beverage, and lodging revenues to supplement its traditional earnings from gaming operations. The analysts also pointed to potential growth in its digital business. Tesla (TSLA) stock also added 5.7% as social-media posts from CEO Elon Musk hinted at the impending launch of the company's autonomous ride hailing service in Austin, Texas. Tuesday's move higher extended a recovery for the stock that kicked into gear during the previous session as tensions appeared to ease between Musk and President Donald Trump. Warner Bros. Discovery (WBD) shares advanced 5%, a day after the media conglomerate announced plans to split into two companies. One entity will house Warner's TV and movie studios along with the HBO Max streaming service, while the other will be home to its cable channels and the Discovery+ streaming service. The stock initially surged following the Monday-morning announcement, gave back those gains to end Monday's session lower, and then rose again today. Food maker J.M. Smucker (SJM) reported lower-than-expected sales for its fiscal fourth quarter of 2025, and its profit guidance for fiscal 2026 also came in below expectations. The maker of Folgers coffee and Uncrustables handheld sandwiches said that volume/mix impacts contributed to a year-over-year decline in net sales, especially declines in dog treats and sweet baked goods. Smucker shares sank nearly 16%, losing the most of any S&P 500 stock on Tuesday. Universal Health Services (UHS) fell 2.9% on Tuesday, extending losses posted in the prior session after the hospital operator's chief financial officer discussed a decline in the volume of surgical procedures at its facilities. Read the original article on Investopedia Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
NBC Sports
an hour ago
- NBC Sports
'Version 3': Bryson DeChambeau hoping newest irons help him unlock third U.S. Open title
OAKMONT, Pa. – It's no secret that Bryson DeChambeau's iron play has held him back in recent majors. When he won last year's U.S. Open at Pinehurst, DeChambeau was still in the honeymoon phase with his initial 3D-printed irons, a bulge-and-roll set built for him by Avoda Golf. But in three major starts since, DeChambeau had struggled on approach. He lost 2.37 strokes per round at Royal Troon. He was minus-0.7 at the Masters. And although he was positive a few weeks ago at Quail Hollow, he was barely inside the top 50 at +0.13. Meanwhile, DeChambeau was working with LA Golf on a new set of prototypes. These ones, named BAD V3-W, were designed to fix DeChambeau's issue of overdrawing his irons. But the initial build wasn't quite up to spec. 'The curvature on the face was a little different, the weight on the toe didn't feel right for some reason, and there were some internal things that we worked on in the club that made the face more resilient when you hit it all across the face,' DeChambeau explained. 'That's ultimately why it wasn't ready, and we had to print another version. This is version 3.' And what makes this version different and hopefully better? 'The heel is a little bit flatter on the curvature,' DeChambeau explained. 'My face obviously has some curvature on the irons. So, we're just optimizing for the gear effect on the heel and on the toe based on the mass properties that are there. Like the heel doesn't gear effect as much in an iron at my speeds, so hitting it on the heel, I've got to be a little flatter, and then the toe has a little bit more roundness on it to account for that out there, and then I moved the CG out towards the toe. I've got such heavy grips and heavy golf shaft that it moves the CG of the club all the way to the heel, so we try to offset that with that tungsten weight on the toe. That's very simply what it is.' DeChambeau debuted the BAD V3-Ws at last week's LIV Golf Virginia event, where he tied for fourth and gained 0.3 shots per round on approach. 'They felt great,' DeChambeau said. 'Is it going to be the ultimate answer to me winning? I mean, probably not. You've still got to putt well, drive it well and everything. But will it help me on certain shots in certain conditions? I think it might. If it doesn't, I'll go back to the drawing board and try to figure out why that occurred and continue to optimize.'
Los Angeles Times
an hour ago
- Los Angeles Times
US stocks drift closer to their record as Wall Street waits to see what US-China talks will bear
NEW YORK — U.S. stocks drifted closer to their all-time high on Tuesday as the wait continued to hear what will come of trade talks between the United States and China. The S&P 500 rose 0.5% as talks between the world's two largest economies carried into a second day. The Dow Jones Industrial Average added 105 points, or 0.2%, and the Nasdaq composite gained 0.6%. Stocks have roared higher since dropping roughly 20% below their record two months ago, when President Donald Trump shocked financial markets with his announcement of tariffs that were so stiff that they raised worries about a possible recession. Much of the rally has been due to hopes that Trump would lower his tariffs after reaching trade deals with countries around the world, and the S&P 500 is back within 1.7% of its record set in February. It's getting to be time to see whether such hopes were warranted. The talks with China were going 'really, really well,' U.S. Secretary of Commerce Howard Lutnick said Tuesday evening in London, where the talks were being held. The two sides worked on 'all sorts of trade issues,' he said, according to a video clip posted by the Chinese state broadcaster CGTN. Both the United States and China have put many of their tariffs announced against each other on pause as talks continue. Even though many tariffs are on hold for the moment, they're still affecting companies and their ability to make profits because of all the uncertainty they've created. Designer Brands, the company behind the DSW shoe store chain, became the latest U.S. company to yank its financial forecasts for 2025 because of 'uncertainty stemming primarily from global trade policies.' The company, which also owns the Keds, Jessica Simpson and other shoe brands, reported a larger loss for the start of the year than analysts were expecting, and its revenue also fell short of forecasts. CEO Doug Howe pointed to 'persistent instability and pressure on consumer discretionary' spending, and the company's stock tumbled 18.2%. The uncertainty is moving in both directions, to be sure. A survey released Tuesday of optimism among small U.S. businesses improved a bit in May. 'While the economy will continue to stumble along until the major sources of uncertainty are resolved, owners reported more positive expectations on business conditions and sales growth,' according to Bill Dunkelberg, chief economist at the National Federation of Independent Business. On Wall Street, J.M. Smucker fell 15.6% even though its results for the latest quarter topped analysts' expectations. Its revenue fell short of expectations, as did its forecast for profit in the upcoming year. Tesla helped to make up for such losses after rising 5.7%. The electric vehicle company has been recovering since tumbling last week as Elon Musk's relationship with Trump imploded. That raised fear about possible retaliation by the U.S. government against Tesla. Shares that trade in the United States of chipmaking giant Taiwan Semiconductor Manufacturing Co. rose 2.6% after the company known as TSMC said its revenue in May jumped nearly 40% from the year earlier. Casey's General Stores leaped 11.6% after the chain of convenience stores based in Ankeny, Iowa, reported a stronger profit for the latest quarter than analysts expected. It credited strength in sales of hot sandwiches and other items. All told, the S&P 500 rose 32.93 points to 6,038.81. The Dow Jones Industrial Average added 105.11 to 42,866.87, and the Nasdaq composite climbed 123.75 to 19,714.99. In stock markets abroad, indexes were mixed amid mostly modest movements across Europe and Asia. A 0.8% drop for Germany's DAX and a 0.6% gain for South Korea's Kospi were two of the bigger moves. In the bond market, the yield on the 10-year Treasury eased to 4.47% from 4.49% late Monday. Choe writes for the Associated Press.
