How Argyle and Ocrolus are boosting income verification coverage from 60% to 80% of borrowers
Legacy income verification methods miss the mark, often leaving too many borrowers behind. Static databases often fail to reflect real-time employment status and cover only a fraction of the working population. In an industry where fast and inclusive verification is critical, that gap can limit loan approvals, slow down processing and frustrate borrowers.
That’s the gap Argyle and Ocrolus are solving—together.
Argyle is a world-class company that connects directly to payroll systems to retrieve up-to-date income and employment data. Ocrolus is an AI-powered data and analytics platform that has pioneered document automation, transforming complex files into structured, ready-to-use data.
"These two products together are great for lenders so that they really have a full suite income verification product that everybody can use," explains Argyle CEO and Founder Shmulik Fishman.
A more inclusive approach to verification
Legacy systems miss large portions of the workforce due to outdated or incomplete data. Argyle and Ocrolus offer a better way—one that captures income data in real-time and processes every submission, whether it comes from a payroll system or a pay stub. By expanding access and improving speed, they’re enabling lenders to serve more people faster and more effectively.
Together, they’re not just modernizing income verification—they’re raising the standard for what’s possible.
Boosting coverage from 60% to 80% with AI
The partnership has made a measurable impact. Argyle’s real-time payroll connections alone verify 60% of applicants. That’s where Ocrolus comes in.
With Ocrolus analyzing pay stubs, bank statements, and other income documents, Argyle can now verify close to 80% of applicants, a number not seen before in the income verification ecosystem.
"This provides a more complete product for Argyle,” Fishman says, “but it also means that our shared clients receive a higher level of verification."
For lenders, the increase in coverage translates to faster decisions, fewer manual touchpoints and the ability to support more borrowers.
Speed meets assurance with AI and human-in-the-loop
A standout aspect of the partnership is Ocrolus’ use of both AI-powered automation and human-in-the-loop review. Fishman notes that the dual approach plays a critical role in Argyle’s offerings: "There are many use cases that we have where human-in-the-loop is very important for an extra layer of assurance. Coupled with this new technology around AI, we get very fast verification of income—and that combination has been a value-add for us."
This balance ensures that both simple and complex verification scenarios are handled efficiently without compromising accuracy.
A partnership built for modern lending
This collaboration brings together two complementary technologies to deliver a more complete income verification solution. Argyle captures real-time digital payroll data, while Ocrolus supports borrowers who submit documentation by digitizing and verifying it with speed and accuracy. It’s a blended solution that enables lenders to process more applications with confidence.
Before partnering with Ocrolus, Argyle sometimes struggled to meet the full range of client verification needs. "There were many times where we couldn't fulfill all of our clients' needs," Fishman shares. "Since working with Ocrolus, we're now able to fulfill a larger volume of verification requests because Ocrolus is part of the Argyle product suite."
With Ocrolus, Argyle has increased applicant income verification from 60% to nearly 80%, delivering a more complete product for Argyle and greater value to shared clients.”