Argyle

What is Argyle?

Argyle is a consumer-permissioned verification platform that confirms income, employment and assets from direct payroll and bank connections, for lenders, background screeners and other businesses that need verified data.

Key features of Argyle

• Direct Payroll: income and employment verifications (VOI and VOE) from payroll data in minutes.
• Direct Banking: asset verifications (VOA and VOAI) from bank data.
• Doc Processing: automated verification of income from uploaded documents.
• Day 1 Certainty: relief from representations and warranties on validated data.
• Asset and Income Modeler: tools to improve loan quality and meet underwriting requirements.
• API and Console: embed verifications in your product or use a no-code web console.

How Argyle works

An applicant starts authentication, shares data from their payroll or bank source, and the verification completes with real-time data. Lenders can embed the flow through the API, trigger it from a point of sale or loan origination system, or run it from the no-code Console.

Who uses Argyle?

Argyle serves mortgage, personal lending, government benefits, background check, tenant screening and gig economy use cases. Customers named on its site include NFM Lending, Regional Finance, Checkr and Lake Michigan Credit Union. The vendor claims 91% coverage of the U.S. workforce and a verification rate 55% or more higher across industries.

Argyle pricing

Argyle does not publish prices. The site says customers only pay for the data they need when they need it, and details come from sales. No free trial is mentioned.

Argyle integrations

Argyle names point of sale partners nCino, Consumer Connect, Tidawave and Lendger Logix, and loan origination systems Encompass, Byte and Empower. It also offers an API for embedding verifications.

Argyle alternatives

Plaid is a broad financial data network with income and asset verification products. Persona and Alloy focus on identity verification and fraud decisioning. Codat and MX aggregate financial data for lenders and fintechs. Argyle differs by specializing in payroll-sourced income and employment data.