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 1. Company
 2. customers

 3. NFM Lending


NFM LENDING. MULTISTATE LENDER OFFERING AN EASY, RELIABLE MORTGAGE LOAN
EXPERIENCE

Income & Employment Verification

Mortgage




WITH ARGYLE, NFM LENDING OPTIMIZES THE BORROWER EXPERIENCE AND SAVES 80% ON
INCOME AND EMPLOYMENT VERIFICATIONS.

NFM Lending got its start as a mortgage broker 25 years ago and has since grown
into an award-winning, multi-state independent mortgage banker (IMB). NFM is
dedicated to getting to know each borrower’s unique financial situation and
finding a best-in-class solution. This attention to detail allows NFM to not
only meet their borrowers’ needs but to support a wider community of real-estate
agents and builders—not to mention the national housing market.

For NFM, providing an exceptional experience means pairing a high level of
customer service with steady innovation. Recently, that included eliminating
paper chases and speeding up the approval process while keeping costs at a
minimum. To make it all possible, they turned to Argyle.


CHALLENGE

NFM has seen the loan origination process change a lot in their quarter-century
of operation. What was once a highly manual ordeal—requiring borrowers and
employers to fill out verification forms and send them via mail or email—is now
largely automated. Today, digital verification reports are often supplied by
third-party vendors. But NFM found that these solutions can be limited and
costly.

For example, NFM was working with a VOI/E provider that allowed them to
instantly access income and employment data electronically. But prices kept
increasing, and NFM’s loan officers still had to reach out to borrowers to
collect documents like paystubs and W-2s. As part of a cost-reduction effort,
NFM started shopping for a better solution. That’s when they found Argyle.


SOLUTION

With Argyle, NFM’s borrowers can now click a link sent via email and sign
directly into their payroll account, giving NFM real-time, permissioned access
to their income and employment data. Even better, NFM gets unlimited access to
every paystub and W-2 through that same connection, eliminating hours of time
and paperwork throughout the origination process.  

Originally, NFM was skeptical that borrowers would remember their payroll
credentials, but they quickly found that wasn’t a hurdle. In fact, over 50% of
borrowers find and connect seamlessly to their source(s) of income, saving NFM
$100 for every loan in VOI/E report orders. Over the course of a year, these
savings add up substantially. 

Now, Argyle sits at the top of NFM’s verification waterfall, offering stronger
data—at a fraction of the cost—compared to the next provider in line. Plus, NFM
is in the process of integrating Argyle into their online application, for an
even faster and more frictionless application experience.


OUTCOME

 * 80% savings: In their first year with Argyle, NFM saved around $100 for every
   loan, which added up significantly over the year. Plus, they expect to save
   much more as internal adoption increases.

 * 50%+ conversions: More than half of borrowers are able to find their income
   source(s) through Argyle’s network and log in to their payroll account,
   allowing NFM to avoid more expensive or manual solutions.

 * Faster processing: When borrowers provide their own income and employment
   data via Argyle, NFM sees at least a one-day pickup in application processing
   time.

> “Argyle is at the top of our verification waterfall because they give us
> one-stop access to all of the income data and documents we need. Only after
> Argyle do we move on to other options, where prices might increase.”

Cindy Keith

Chief Strategy Officer, NFM Lending

 * Summary
   
   25+ years making home loans simple

 * Industry
   
   Mortgage

 * Solution
   
   Verification of Income and Employment

   --------------------------------------------------------------------------------

More stories

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WHERE MEMBERS ARE NEIGHBORS AND DOWN PAYMENTS ARE LOW

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