Candor Technology Now Includes Argyle Employee Verification

Candor Technology, Inc., a provider of automated AI underwriting and decisioning for mortgage lenders, announced a direct integration with Argyle, a provider of consumer-directed verification of income, employment and asset solutions. The integration brings direct-source payroll-based income and employment data and supporting documentation to Candor’s patented Loan Engineering System (LES), where it can be used to automate income analysis and deliver warranted underwriting decisions in under 60 seconds.

“Our integration with Argyle removes unnecessary hurdles between borrower data and a warranted decision,” said Ryan Edmonds, CEO of Candor Technology. “By making payroll-based income and employment data available directly within Candor, we can now deliver a deterministic underwriting decision in under 60 seconds, providing speed, accuracy and repurchase protection in one seamless workflow.”

“Argyle empowers consumers to securely share data directly from their payroll, other income-related, and bank accounts to authorized lenders,” said John Hardesty, senior vice president of revenue at Argyle. “Integrating that direct-source data straight into Candor’s automated decisioning means lenders no longer have to wait—the data through Argyle and the Candor decisioning happen together.”

Streamlining the Path to Closing

Through the integration, borrowers use Argyle to pass real-time, consumer-permissioned income and employment data and supporting documentation directly into Candor’s decisioning technology, which evaluates the information against GSE guidelines and investor overlays to calculate qualifying income and issue or clear conditions instantly—all without relying on document extraction.

The result is a faster, cleaner underwriting process that reduces manual touchpoints, minimizes data entry errors and delivers a decision-ready file in a fraction of the time required by traditional document-based workflows.

Key Benefits to Lenders

• Speed: Achieve automated decisions, often in under 60 seconds (individual results may vary).
• Accuracy: Direct-source income and employment data removes the risk of PDF-based extraction errors and helps mitigate fraud risk.
• Protection: Automated calculations and decisions are backed by Candor’s loan warranty, supported by a AAA-rated insurer.
• Simplicity: The integration works within existing loan origination systems with no change to origination workflows.

This partnership expands Candor’s suite of direct data connections, which includes Freddie Mac’s AIM Check suite of APIs, among others. Together, these integrations position Candor as the most deeply connected automated decisioning platform in the mortgage industry.