Close More Home Loans Faster, While Managing Risk

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

You know lending. We know data.

Data Coverage

With 3.8M employers contributing income and employment data, start with The Work Number® to help save time and cost.

Data Depth

Access 716M+ 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.  

Instantly verify employment and income across the loan cycle

Customer-Initiated Pre-Qualification
Instantly verify income and employment to help get a quick first view of the borrower to assess loan affordability.
Loan Application

Use automated income and employment data to see a comprehensive view of the applicant's creditworthiness. 

Underwriting
Help reduce underwriting timelines and increase borrower satisfaction with a speedier time to close with instant data access.
Pre-Close
Help confirm that income or employment status hasn’t changed prior to closing by reverifying a borrower’s current employment status.

Choose the data you need.

  • View current and previous records
  • Choose lookback windows as recent as 35 days and up to 60 months
  • Access single purchase reports that cover the needs throughout the full origination process
Learn More about Employment and Income Verifications
HOW TO ACCESS TWN

Data delivered the way you need it

Web-based Access

Log in to our verification portal.  Purchasing flexibility allows smaller verifiers to pay by credit card and larger verifiers to be invoiced monthly.

System Integrations

Connect directly to The Work Number database within your own loan origination technology systems using an API. Channel partners integrate directly with a connector platform like a loan origination system.

Batch Processing

High-volume verifiers can obtain information on the entire loan portfolio as well as process thousands or even millions of verifications at once.
Ebook

Helping to Unlock New Doors in the Digital Lending Landscape

The rise of digital lending has created a demand for fast and reliable income and employment verification. Read our latest ebook to learn more about why The Work Number® is an industry standard when it comes to helping to determine loan affordability.

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.

Start Verifying

Browse Mortgage Industry News & Updates

Stay up-to-date on changes and trends in consumer lending.

Mortgage
Consumer Data Rights: Your Roadmap to Compliance in the Mortgage Industry
In an era of data-driven lending, lenders have more responsibility to protect borrower data and adhere to regulations.
Mortgage
Mitigating Risk in the Digital Mortgage Age: A Proactive Guide for Lenders
With the rise of digital lending, lenders must adopt proactive strategies to safeguard their portfolios and maintain trust with clients.
Mortgage
How Mortgage Lenders Can Adapt Verification for the Evolving Workforce
Traditional income verification failing to adapt to the evolving workforce? Learn how The Work Number® helps lenders stay ahead.