# Personal Lending

## Process more loans for less while reducing your risk

Argyle verifies income and employment at scale and improves your visibility into creditworthiness.

## Why it matters

### From legacy problems to modern solutions

**Tenant Screening Challenges**

- ### High verification costs
  The manual nature of the origination process drives operational costs. Meanwhile, the cost of legacy verification solutions like The Work Number is always rising.
- ### Slow, manual processes
  Manual verification workflows delay approvals, increase drop-off, and frustrate applicants.
- ### Fraud and compliance concerns
  Rising fraud sophistication and manual verifications undermine consistent compliance enforcement, driving fraud and noncompliance risk.

**The Argyle Advantage**

- ### Lower verification costs
  Up to 80% savings compared to TWN and manual workflows.
- ### Increased conversion and time to funding
  Argyle makes it simple for applicants to provide supplementary fallback files, accelerating the path to funding and improving pull-through.
- ### Less risk exposure
  Better data + fewer interventions = tighter controls and smarter decisions.

## Why Argyle

### Built for modern personal lending

- 90%+ coverage of the U.S. workforce  
- 95% data completeness  
- 55%+ conversion rate

## How it works

### Better borrower experience

When you use consumer-permissioned verification with Argyle, it’s easy to quickly verify the applicant.

### Verify in minutes
  The applicant completes Argyle’s connection steps to retrieve required data.

## Role-by-role impact

### Argyle’s value will be felt across your organization

- **Borrowers value our speed and simplicity.**  
  Argyle gets them to funding faster.
- **Executives value our cost-savings.**  
  Argyle is less expensive than manual and TWN.
- **Loan officers value our accuracy.**  
  Calculated, compliant data makes for clearer loan decisions.
- **Internal auditors value the risk reduction.**  
  Real-time, direct-source data and documents thwart fraud.
- **Marketers value our effect on spend.**  
  A higher app-to-funded ratio creates marketing efficiencies.

## Our customers

### Measured impact, verified by customers

**15 minute savings for every loan**  
  "Argyle makes it easier for lenders like Regional Finance to automate the verification process, validate the data quickly, and, ultimately, make life easier for borrowers.”  
  — Chris Martin, VP, Head of Digital Product, Regional Finance

**30% time savings with Argyle automation**  
  "We rely on Argyle’s real-time data points for our underwriting algorithms, including length of employment and income history. If it wasn’t for Argyle, we’d have to input those fields manually.”  
  — José Patino, VP of Business Development, BMG Money

## Easy implementation

### Innovate verifications without constraints

Our API, web-based tool, and shareable URLs make it easy to implement Argyle.

### Share access with hosted links

## Explore more resources

[eBook: **The State of Income & Employment Verifications**](https://www.argyle.com/ebook-state-of-income-and-employment-verifications-2025)
  Verification of income and employment (VOIE) has always been a critical component of risk management for service providers across the mortgage, personal lending, and tenant screening industries. Today, however, this process stands at a pivotal crossroads.

[Blog: **Argyle vs. The Work Number: The Case for Direct-Source Data**](https://www.argyle.com/blog/argyle-vs-the-work-number)  
[Blog: **How to Get Started With Argyle**](https://www.argyle.com/blog/how-to-get-started-with-argyle)

## Ready to see what Argyle can do for you?

Get in touch to learn more about our verification platform.