Your Credit & Compliance Partner for Modern Lending
Agility Credit helps banks and credit unions modernize lending operations with intelligent automation, real credit data and built-in compliance. Our unified platform connects credit reporting, income and identity verification and compliance enforcement — giving institutions a smarter, faster and more controlled way to originate loans across all lines of business.
Lending Reinvented for Every Channel
Whether it's mortgage, auto, refinance, or consumer lending, your institution faces the same challenge: meeting customer expectations for speed while maintaining compliance and oversight. Agility Credit bridges that gap. Our API-driven ecosystem automates every step — from credit pulls and income verification to Red Flag checks, privacy notices and Adverse Action delivery — ensuring every decision meets your policy and regulatory standards.
Core Capabilities
- Credit Reports & Scores – Access full or soft-pull credit reports with tri-bureau normalization and configurable attribute sets for precise underwriting and prequalification.
- Automated Credit & Compliance Workflows – Build rule-based lending workflows that automatically handle prequalification, ID checks, income verification and compliance events.
- Identity & Fraud Verification – Instantly authenticate consumers with layered verification including document ID, OTP, device analysis and synthetic ID detection.
- Income & Employment Verification – Combine modeled, verified, or credentialed income with cash flow analytics to assess ability-to-repay and reduce manual stip collection.
- Mortgage & Refinance Automation – Accelerate loan origination with automated income validation, credit analysis and compliance enforcement for regulated lending products.
- Policy Enforcement & Audit Control – Enforce company-defined credit policies in real time. Every exception, clearance and notice is automatically documented and stored.
- 10-Year Document Storage & Audit Trails – Maintain full traceability and document retention for credit reports, applications and compliance artifacts across all lending channels.
Value for Financial Institutions
- Accelerate Loan Decisions: Automate redundant checks and manual compliance steps to close loans faster.
- Strengthen Oversight: Enforce internal credit policy and compliance rules institution-wide.
- Unify Your Lending Stack: Manage all credit, verification and compliance functions from a single platform.
- Enhance Customer Trust: Provide fast, transparent and consistent credit experiences across mortgage, auto and consumer lines.
- Stay Audit-Ready: Built-in tracking and retention keep your institution compliant and regulator-ready at all times.
Use Cases
- Mortgage & Refinance: Automate prequalification, credit pulls, income verification and disclosure delivery for faster closings.
- Consumer & Auto Lending: Streamline decisioning and fraud protection across in-branch and digital channels.
- Credit Card & Personal Loans: Support full or soft pulls, prequalification and Red Flag compliance seamlessly.
- Digital & Online Lending: Power end-to-end credit applications, KYC and compliance enforcement through hosted or embedded experiences.
- Portfolio Risk & Monitoring: Combine credit and income attributes for ongoing risk analysis and proactive compliance reporting.
Why Financial Institutions Choose Agility Credit
Because we bring together credit intelligence, automation and compliance in a single, trusted platform. Agility Credit isn't just another vendor — we're your credit and compliance partner, built to modernize the entire lending lifecycle without compromising control, accuracy, or trust.
Get Started
Transform your lending process with a platform designed for both innovation and compliance. Agility Credit helps banks and credit unions deliver faster, safer and more consistent credit decisions — across every loan type, channel and customer.
