Argyle vs Truework

Argyle provides income, employment, and asset verification using information consumers authorize it to obtain from payroll, bank, and document sources. Consumers can share current payroll and employment details, connect bank accounts to verify assets and income deposits, or upload paystubs and W-2s for processing. Doc VOI extracts income information and submits it to Freddie Mac’s AIM Check. The API offers standardized reports, granular datasets, real-time visibility, webhook alerts, and REST integration. Argyle names integrations for point-of-sale systems and mortgage loan origination systems, and is an authorized supplier for Fannie Mae’s Desktop Underwriter validation service and an approved provider for Freddie Mac AIM. The company says it covers about 90% of the U.S. workforce and returns more than 170 income data fields with supporting documents. Implementation can use the browser-based Argyle Console or a custom API integration. Argyle lists SOC 2 Type II, ISO 27001, RSA 4096 encryption, SHA-256 signing, and annual independent security audits. Pricing is on request.

Truework is a paid income and employment verification service for mortgage lenders. It draws on payroll, tax, bank, and employer data, then completes checks through Instant Network, Credentials, and Smart Outreach methods. Routing selects a method expected to finish quickly according to the customer’s plan and configuration. Truework says it can verify more than 97% of U.S. workers and describes its reports as unified and GSE-ready. Teams can work in the web app without another integration, connect through a REST API, or use listed LOS connections such as Encompass and Empower and POS integrations such as Blend and nCino. Requests require evidence of consumer consent and are handled under the FCRA. Stated protections include encryption at rest and in transit, TLS 1.2 or greater, and tokenization. Plans list $19.95, paid once for VOE reverification, $59.95, paid once for Standard VOE, and $64.95, paid once for Standard VOI.