AIM Service Providers
AIM leverages third-party service providers to automate the assessment of borrower assets, income, and employment.
Truv now offers automated asset verification
Truv has expanded their integration with AIM to now assess income and assets using financial accounts data - delivering a simpler, more efficient loan origination process.
Connect to an AIM Service Provider
The providers below are verified by Freddie Mac and offer different AIM-related services to help you simplify underwriting.
| Provider | Assets | Income | Employment | ||||
|---|---|---|---|---|---|---|---|
| Asset Data | Asset Data (Direct Deposits) | Employment Data (Payroll) | Tax Return Data | Tax Transcript Data | Asset Data (Direct Deposits) | Employment Data (Payroll) | |
| Argyle | ✓ | ✓ | |||||
| Blend | ✓* | ✓ | ✓ | ✓** | ✓** | ||
| CoreLogic | ✓*** | ||||||
| Equifax (TWN) | ✓ | ✓ | |||||
| Experian | ✓ | ✓ | |||||
| Finicity, a Mastercard Company | ✓* | ✓ + Paystub | ✓ | ✓ | ✓ | ||
| Halcyon | ✓ | ||||||
| Informative Research | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| LoanCraft | ✓ | ||||||
| LoanLogics | ✓ | ||||||
| Plaid | ✓ | ✓ | ✓** | ||||
| PointServ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Truework | ✓ | ✓ | |||||
| Truv | ✓ | ✓ | ✓ | ✓** | ✓ | ||
*LPA assesses investment accounts for R&W relief eligibility.
**Does not currently offer the employment-only report to be assessed by AIM
***LPA assesses accuracy and integrity of tax return data when compared with verified tax transcript data for R&W relief eligibility.
Service providers integrated with the AIM Check API
Provider | Account Data* (Income, assets) | Payroll Data (Paystubs and W-2s) | Employment Verification |
|---|---|---|---|
| Argyle | ✓ | ||
| Blend | ✓ | ||
| CoreLogic | ✓ | ||
| Gateless | ✓ | ||
| Truv | ✓ |
*Account Data also supports direct deposit and employment capabilities as well as an early view of borrower cash flow assessment and rent payment history.
Disclaimer
Freddie Mac does not endorse, or make any representations or warranties regarding any service provider. Each lender is solely responsible for the decision of whether to engage a given provider, and on what terms, and for ensuring that the providers it engages have in place and maintain controls, processes, and procedures that satisfy the lender’s business, operational, risk, legal and regulatory requirements.