Close More Home Loans Faster, While Managing Risk

Use automated employment and income verifications
across the loan origination process.

Mortgage Verification Capabilities

Verification Feature Lender & GSE Benefit
GSE Compliance Supports Fannie Mae Day 1 Certainty® and Freddie Mac AIM for rep and warrant relief.
Income Transparency Provides granular breakdown of base pay, overtime, bonuses, and commissions.
Historical Records Access to up to 3 years of employment history to meet secondary market requirements.
LOS Integration Directly integrates with major Loan Origination Systems (Encompass, Empower, etc.).
Audit Trail FCRA-compliant documentation for Quality Control (QC) and post-close audits.

You know lending. We know data.

Data Coverage

With 5.06M employers contributing income and employment data, start with The Work Number® to help save time and cost.

Data Depth

Access 839M+ employment records to verify more information at once and help meet GSE requirements. 

Data Instantly

Pull verifications of employment and income instantly without requiring the borrower to do additional work or take additional steps.

Innovation Spotlight

Mortgage Ultimate with Adaptive Automation

Get an initial Verification of Income and up to three subsequent income or employment updates over a 90-day window, from application through closing, fulfilled seamlessly via The Work Number or Network Verification Services.

A Quicker Path to Closing  

Access instant income and employment verification solutions built for the entire mortgage loan origination process. 

Point of Sale (POS)

Instantly verify income and employment information with The Work Number at POS to help streamline the loan application process. 

Loan Application

Layering automated income and employment data direct from employers along with credit scores can help provide a more comprehensive view of the consumer’s creditworthiness.

Underwriting

Automating employment and income verifications using The Work Number can help reduce underwriting and increase borrower satisfaction through a reduction in time-to-close. 

Pre-Close

The Work Number provides access to instantly verify a borrower’s current employment status prior to loan closing. 

The Anatomy of a Report

Verification reports aren’t just numbers. They are insightful assets that help you make decisions faster.

Plug, Play, and Scale

Leverage the data you need through the technology platforms you already use.

Web-based Access

Log in to our Verifications Insights Portal to choose and order your verifications as you go. 

When to choose

You typically have a lower volume of verifications, or you want to order a solution not available through a technology partner.

Toggle-on Ready System Integrations

Integrate through one of 60+ technology providers that have pre-built connections.

When to choose

You want the efficiency of a direct integration without needing the technology resources to make it happen.

Developer-first API

Use one of our APIs to build your own connection to The Work Number database. 

When to choose

You process a large volume of applications from multiple locations and want to ensure consistency when ordering verifications.

Secure Data From
A Trusted Leader

The Work Number is governed by the Fair Credit Reporting Act (FCRA). Only verifiers with a permissible purpose can use data from The Work Number. We maintain globally recognized certifications in management and security.

We are an authorized service provider supporting Freddie Mac’s AIM and Fannie Mae’s Desktop Underwriter validation service, a component of Day 1 Certainty. 

Create a Better Borrower Experience

Help create a fast, low-friction mortgage lending process with automated verifications of employment and income.