One Application, One Flow: Expanding Our Argyle Partnership

Borrowers can now verify assets in the same application flow where they already verify income and employment, with everything landing in Encompass automatically.

Anyone who runs a pipeline knows where loans lose their momentum. It’s rarely the underwrite itself. It’s the waiting in between: the borrower who connected payroll last week but still owes bank statements, the follow-up call, the second follow-up call, the file sitting idle because one piece of verification never came back. The gap between "applied" and "fully verified" is subtle, but it is where good borrowers cool off and good loans slow down.

We started building with Argyle in 2025 to shorten that distance. Income and employment verification moved directly into the borrower application, so payroll was no longer something a loan officer had to request and track on the side. This expansion picks up where that left off. Borrowers can now verify their bank assets in the same place, in the same pass through the application, and every piece of what they share–income, employment, and assets alike, flows into Encompass on its own.

For the borrower, none of this feels like a second task. Connecting a bank account happens in the same guided step as connecting payroll, with no separate portal and no other login to remember. There are no statements to dig up and no W-2s to photograph, because the data comes from the account itself while the borrower is still in the application, still paying attention. The ask is smaller, and it comes before attention has a chance to drift.

The loan officer feels the difference on the other side. Verified income, employment, and asset data populates Encompass the moment it is confirmed, so there are no reports to export and nothing to re-enter by hand. The file reflects reality without anyone maintaining it, and it holds that accuracy from the first touch through closing. Status is there to check whenever it is needed, at intake or deep into underwriting.

"Pairing bank account connections with the payroll connections we already power for Tidalwave gives loan officers a fuller financial picture before a loan ever reaches underwriting," said Daniel Esquibel, VP of Mortgage at Argyle. "It's a natural extension of a partnership lenders already rely on."

Why it matters

The borrower gets one coherent request at the start instead of a trickle of asks spread across the process, which is often the difference between finishing an application and abandoning it halfway. The loan officer gets back the hours that used to go to document chasing, and a file that no longer needs babysitting to stay current. The lender gets a complete financial picture early, drawn straight from the borrower's own accounts. And because Argyle is an authorized supplier for Fannie Mae's Desktop Underwriter validation service and an approved provider for Freddie Mac's Loan Product Advisor asset and income modeler, that data carries weight toward GSE eligibility, not just internal review.

That last part is what we care about most. Verification is not a feature we attached to the application. It is part of how the application works, because that is where it spares everyone the most effort. Bringing assets in alongside income and employment is one more step toward a loan that arrives already understood, and we intend to keep closing that distance across the rest of the file, not just its opening. The expanded integration is live now for shared Tidalwave and Argyle customers.

To see it in a live loan file, reach out to our mortgage team.

Hear Argyle's take on their website: https://www.argyle.com/blog/blog-tidalwave-encompass-expansion