Argyle Expands Tidalwave Integration for Mortgage Verification

NEW YORK CITY, N.Y., Sep 09, 2026 /CourierPR/ -- Argyle, the leading consumer-permissioned verification platform, has expanded its integration with Tidalwave, an agentic AI platform that automates the full U.S. mortgage lifecycle. This new partnership allows for a more seamless and comprehensive verification process, benefiting both borrowers and lenders.

The integration initially focused on embedding Argyle’s verification of income and employment (VOIE) solution into Tidalwave's borrower workflow through payroll connectivity. Now, the expanded collaboration has added banking connections, making it possible for Argyle’s verification of assets (VOA) solution to send direct-source data to the Encompass® loan origination system (LOS) from ICE Mortgage Technology®. This streamlined process provides lenders with a fuller and faster financial picture from application through closing.

Borrowers using Tidalwave's Form 1003 application process can now connect their bank accounts to share asset data alongside income and employment data. This consolidation of verification steps into a single, guided application flow ensures a frictionless experience for consumers. Loan officers can track verification status in real time and request it at any stage of the loan lifecycle, offering flexibility and efficiency.

According to Daniel Esquibel, vice president of mortgage at Argyle, "Argyle and Tidalwave are unifying income, employment, and asset verifications and sending that direct-source data straight to the LOS. That means fewer steps for loan teams, a smoother experience for borrowers, and earlier access to the financial insights lenders need to make sound qualification and underwriting determinations."

Diane Yu, Co-founder and CEO of Tidalwave, echoed this sentiment, stating, "Every piece of data a borrower can share up front is one less thing a loan officer has to chase down later. Our goal is to carry that same connected experience through the full mortgage journey, and expanding our partnership with Argyle helps us do that."

The integration is now available to mutual customers, providing a more efficient and accurate verification process for mortgage lenders. By leveraging Argyle’s consumer-directed payroll and bank connections, lenders can automate verification workflows, reduce fraud and compliance risks, and lower costs. The system also offers forensic-level financial insight, with Tidalwave’s AI agents analyzing shared data to surface risk indicators, identify spending patterns, and calculate eligible income and assets for loan officers.