Plaid is revolutionizing mortgage processes by leveraging real-time, consumer-permissioned financial data to enhance underwriting speed and efficiency. Since 2018, lenders like Rocket Mortgage and Zillow Home Loans have utilized Plaid's services for over 45 million verifications, significantly reducing borrower friction and cutting manual workflows. With advancements such as an upgraded Verification of Assets (VOA) Report that includes up to two years of financial data, Plaid offers lenders deeper insights and the ability to refresh employment data in a GSE-compliant manner, thus simplifying the loan approval process. The establishment of Plaid's Consumer Reporting Agency in 2023 and the introduction of credit analytics in 2024 have given lenders more robust tools to assess borrower information with greater confidence. Through partnerships with loan origination and point-of-sale systems, Plaid facilitates seamless integration into existing lender workflows, promoting a shift towards single-source verification for improved operational efficiency and mortgage automation. By modernizing data use in lending, Plaid aims to transform the mortgage process into a more intelligent, integrated, and scalable system while maintaining compliance with current lending standards.