Your team could be processing files 20-30x faster
Complex income files don't have to mean complex reviews
VerificationOS handles the extraction, benchmarking, and fraud checks automatically so your team spends their time on decisions, not documents.
Income verification
Start with verified income
Advanced OCR extracts and analyzes data from paystubs, bank statements, and connected bank accounts automatically. Your team reviews verified insights, not raw documents.
Income analysis
See the full income picture
Income segmentation, monthly balance trends, current financial commitments, and NSF history — all surfaced automatically in one view. Everything your team needs to make a decision, without opening a single document.
Branded document requests
Collect documents securely
Send a lender-branded link to collect documents, verify identity, and connect financial accounts in one step. Automatic reminders reduce follow-up and keep files moving.
Issues and alerts
Surface what matters
Built-in alerts surface everything that needs attention so nothing gets missed. Review, clear, or escalate any alert in seconds, with every action logged by name and timestamp.
Approve every file with confidence
Income, identity, and risk signals checked upfront so nothing slips through to decisioning.
Income integrity
Fraud signals
Identity & compliance
Spot income that doesn’t hold up
Applicant income is benchmarked against industry data so unrealistic claims are flagged before they reach your team.
- Compare reported income against real-world benchmarks
- Flag inflated or inconsistent income automatically
- Catch issues without manual review
Catch what shouldn't pass
Identity Mesh cross-references income, identity, and bureau data to surface inconsistencies across every file.
- Cross-check identity, income, and bureau data
- Flag mismatched or suspicious signals
- Surface risks without digging through documents
Verify the person behind the file
Run compliance and identity checks directly in the platform so every borrower is verified before approval.
- Sanctions and PEP screening
- Adverse media checks
- KYC for individuals and KYB for businesses
Built around how you lend
Complex files, custom rules, and the checks mortgage teams actually need.
Match your underwriting criteria
Customize income calculations, thresholds, and verification requirements to match your specific underwriting criteria.
Handle every income scenario
Verify salaried employees, self-employed contractors, and business-for-self income with tools built for complex mortgage scenarios and alternative income sources.
Flag income that doesn't add up
Applicant-reported income is automatically benchmarked against industry standards. Unreasonable claims get flagged without your team having to spot them manually.
Verify the down payment
Cross-reference balances across multiple statements, confirm required history, and surface recurring liabilities, NSF activity, and unusual transactions automatically.
This is what modern underwriting looks like
Income verified. Fraud flagged. Documents checked before your team even opens the file.