End-to-End Mortgage Automation — Powered by Agility Credit
Agility Credit helps mortgage lenders modernize the full lending lifecycle with a holistic suite of credit, verification and compliance solutions. From prequalification to closing, our connected products — including credit reports, income verification, KYC, fraud detection and compliance automation — give lenders the precision, speed and confidence needed to compete in today's market.
A Complete Lending Workflow in One Platform
The mortgage process involves hundreds of moving parts — credit pulls, verifications and disclosures that must align seamlessly and under strict compliance. Agility Credit unifies these steps into one streamlined, automated workflow. Our technology programmatically enforces policy, triggers disclosures and maintains a complete digital record for every borrower interaction — reducing risk while improving efficiency.
Core Capabilities
- Credit Reports & Attributes – Access full or soft-pull tri-bureau credit data enriched with 2,000+ standardized attributes to support underwriting, pricing and secondary market readiness.
- Income & Employment Verification – A full suite of income verification options including instant verification (The Work Number and Experian Verify). Also credentialed open-banking solutions all available through a single integration. Combined with modeled and verified annual income, household income and cash-flow analytics, lenders gain a complete, accurate picture of borrower capacity and repayment strength.
- Identity & Fraud Verification – Instantly validate borrower identity through multi-layer verification including document match, OTP, device fingerprinting and out-of-wallet questions. Detect and prevent synthetic or duplicate applications before they reach underwriting.
- Compliance & Disclosure Automation – Automate privacy notices, risk-based pricing and Adverse Action delivery, complete with timestamps, document retention and audit trail visibility.
- Decision Engine & Workflow Automation – Configure credit and compliance logic programmatically. Trigger Red Flag reviews, document requests, or approval routing based on real-time borrower data.
- Policy Enforcement & Audit Control – Every clearance, stip and exception is tracked and recorded under your company-defined rules. Agility Credit retains documentation for up to 10 years for full regulatory alignment.
The Agility Credit Product Suite — Built for Mortgage
- Credit Reports & Scores: Tri-bureau credit data and decision-ready scoring.
- Income & Employment Verification: Verified, modeled and credentialed options, including The Work Number and Experian Verify, plus cash-flow analytics.
- Identity Verification & KYC: Document, device and out-of-wallet authentication for borrower validation and synthetic ID detection.
- Compliance Enforcement Platform: Red Flag automation, privacy and Adverse Action delivery and audit-ready documentation.
- API & Decision Engine Integration: Flexible integrations into LOS, POS, or custom lender environments.
Value for Mortgage Lenders
- Accelerate Loan Origination: Reduce time-to-close with automated credit, income and compliance checks.
- Enhance Data Confidence: Gain a unified view of borrower credit, income and identity in one system.
- Strengthen Compliance: Automated adherence to FCRA, GLBA and mortgage disclosure requirements.
- Reduce Risk: Detect fraudulent or synthetic applications before underwriting.
- Improve Borrower Experience: Prequalify quickly, verify instantly and maintain transparency from start to finish.
Use Cases
- Mortgage prequalification and digital application workflows
- Automated income and employment verification using TWN and Experian Verify
- Red Flag and fraud detection enforcement
- Rule-based policy automation and Adverse Action delivery
- Income, identity and compliance orchestration via API or hosted UI
Why Mortgage Lenders Choose Agility Credit
Because we bring every verification and compliance component into one connected system. Agility Credit isn't just another integration, we're your credit and compliance partner, offering both instant and credentialed verification options, backed by bureau-grade data and end-to-end automation. We help you process loans faster, maintain accuracy and stay compliant at every step.
Get Started
Simplify mortgage origination with a platform built for both speed and compliance. Agility Credit delivers a holistic suite of credit, verification and compliance tools that accelerate decisions and protect your institution.
