Qualify Borrowers Earlier with Home Lending Insights

Plaid has introduced Home Lending Insights, a set of mortgage and HELOC borrower insights available to eligible lenders through Instant Link, its consent-based connectivity experience. Instant Link lets consumers who have previously authorized Plaid to share cash flow and network-level information on later credit applications without reconnecting bank accounts, while other consumers can use Plaid Link to securely provide data. The new offering gives lenders early visibility into income, assets, cash reserves, financial obligations, and cash flow patterns, including potentially undisclosed commitments such as buy-now-pay-later payments or recent loan disbursements. By providing this context at the qualification or pre-approval stage, Plaid aims to help lenders identify qualified borrowers, including thin-file consumers and nontraditional earners, before incurring the costs of full verification. Lenders can then transition to Plaid’s GSE-approved Home Lending Report for digital verification of assets and transaction history during underwriting, with refresh capabilities intended to keep financial information current through closing and servicing.

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