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Instant Bank Verification - Mortgage

Verify bank accounts in real time. Make smarter mortgage loan decisions, faster.


Real-time transactional data from over 20,000 financial institutions worldwide. Instant Bank Verification assists lenders by verifying a bank account instantly while providing up-to-date banking statements and multiple identity verifications.  IBV Mortgage is billed only on usage (‘hits’ only) and is available as a consumer-facing web portal or an API. There is no implementation fee for using IBV Mortgage. IBV is available in the United States, Canada and the UK and operates in full compliance with all applicable current laws and regulations.


Use Instant Bank Verify to:

  • Automated replacement to accept bank statements
  • Eliminate the need for consumers to email or fax statements
  • Eliminate fraudulent bank statements
  • Verify an applicant’s ability to repay a loan
  • Verify income and direct-deposit accounts
  • Verify an individual’s current and available account balances
  • Verify an SSN/SIN*
  • Verify Address and telephone number details*
  • Discover an individual’s other financial obligations and loans

*subject to availability based on location


Used for underwriting mortgage loans, Instant Bank Verification operates in FCRA compliance, hastens the decisioning process and eliminates paper.

Instant Bank Verification – Mortgage is based on a consumer permissioned model and is safe, secure and industry compliant meeting the provisions of PCI DSS 3.0 regulations. Through Instant Bank Verification, applicant data is scoreable, customizable and fully automated.

Easily add these products for extra value


Gain visibility into a customer’s daily banking activity.

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Check a customer’s balances before accepting a check.

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Confirm a check has cleared a customer’s bank account.

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