Mortgage technology providers Argyle and Tidalwave have expanded their integration to send borrower-permissioned payroll and bank-account data directly into the Encompass loan origination system, potentially giving loan originators earlier warning of income, asset, or liability issues that could disrupt a closing.
The companies first partnered in 2025 to incorporate Argyle’s income and employment verification into Tidalwave’s mortgage application workflow. The expanded integration adds verification of assets through borrower-connected bank accounts.
Borrowers completing a Form 1003 application through Tidalwave can connect their payroll and financial accounts within the same guided process. The resulting income, employment, and asset data are then delivered to Encompass rather than requiring loan teams to retrieve the information from a separate system.
Originators can track the status of those verifications in real time and request them at application or later in the loan process, depending on the lender’s workflow.
“Every piece of data a borrower can share up front is one less thing a loan officer has to chase down later,” Tidalwave co-founder and CEO Diane Yu said. “Our goal is to carry that same connected experience through the full mortgage journey, and expanding our partnership with Argyle helps us do that.” Yu previously served as chief technology officer at Better.com and co-founded advertising technology company FreeWheel.
Looking Beyond Account Balances
The integration is designed to do more than confirm that income or assets exist. Tidalwave said its AI agents analyze the data supplied through Argyle to calculate eligible income and assets and identify possible risk indicators.
That analysis can include recurring payments, spending patterns, and transactions involving buy-now-pay-later services. For originators, earlier visibility into those items could help uncover an undisclosed obligation, inconsistent income, or asset issue while there is still time to address it.
Final qualification and underwriting decisions remain subject to the lender’s policies and applicable investor requirements.
“Argyle and Tidalwave are unifying income, employment, and asset verifications and sending that direct-source data straight to the LOS,” said Daniel Esquibel, vice president of mortgage at Argyle. “That means fewer steps for loan teams, a smoother experience for borrowers, and earlier access to the financial insights lenders need to make sound qualification and underwriting determinations.”
Mortgage AI Moves Earlier In The Process
Platforms including Blend and Friday Harbor have introduced tools intended to calculate income, review borrower documents, check loan guidelines, and identify potential issues before a file reaches a human underwriter. The Argyle-Tidalwave approach centers on obtaining information directly from payroll and banking sources and carrying it into the lender’s LOS.
Argyle is an authorized 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. Tidalwave integrates with Fannie Mae, Freddie Mac, ICE Mortgage Technology, Plaid, Argyle, and Truv, according to the company.
The expanded integration is available to lenders that use both Argyle and Tidalwave.
