{"id":440933,"date":"2024-01-23T11:44:31","date_gmt":"2024-01-23T16:44:31","guid":{"rendered":"https:\/\/www.housingwire.com\/?p=440933"},"modified":"2024-01-23T11:44:36","modified_gmt":"2024-01-23T16:44:36","slug":"gateless-partners-with-equifax-on-employment-and-income-verification","status":"publish","type":"post","link":"https:\/\/www.housingwire.com\/articles\/gateless-partners-with-equifax-on-employment-and-income-verification\/","title":{"rendered":"Gateless partners with Equifax on employment and income verification"},"content":{"rendered":"\n

Chicago, Illinois-based mortgage tech firm Gateless<\/strong><\/a> announced an integration of its Smart Underwrite solution product with The Work Number \u2013 a digital verification solution \u2013 from consumer credit reporting agency Equifax<\/strong><\/a>.<\/p>\n\n\n\n

Smart Underwrite allows lenders to digitally analyze and interpret all essential loan data and documentation the moment they are received. <\/p>\n\n\n\n

For instance, when a borrower submits W2s and paycheck stubs, Smart Underwrite identifies the documents, associates them with the appropriate borrower income source, extracts relevant information, calculates monthly income and resolves any underwriting<\/a> conditions.<\/p>\n\n\n\n

The integration with The Work Number will enable credentialed lenders to instantly verify applicants’ employment and income information through seamless API connections, Gateless said.<\/p>\n\n\n\n

\u201cThrough technology, our partnership with Equifax creates a real-time connection between direct-source data and underwriting decisions, eliminating time-consuming human review, empowering lenders to streamline operations, boost profitability, and help avoid risk,\u201d said Katie King, chief risk officer and head of partner strategy at Gateless.<\/p>\n\n\n\n

Chicago, Illinois-based lender Guaranteed Rate<\/strong> launched <\/a>Gateless in March 2021 after it acquired AI Foundry<\/strong>, a Kodak Alaris business unit. <\/p>\n\n\n\n

The mortgage tech firm subsequently spun off as a separate company after finding quick success with the deployment of its technology solutions. <\/p>\n\n\n\n

In 2022, Gateless’ Smart Underwrite application integrated with Fannie Mae<\/strong><\/a>‘s Desktop Underwriter and Freddie Mac<\/strong><\/a>‘s Loan Product Advisor the following year.<\/p>\n\n\n\n

In that same year, Gateless announced a strategic partnership with Google Cloud<\/strong> to accelerate document classification and extraction coverage.<\/p>\n\n\n\n

Guaranteed Rate adopted<\/a> Smart Underwrite in May 2023 to expedite and streamline the underwriting process. <\/p>\n","protected":false},"excerpt":{"rendered":"

Gateless announced an integration of its Smart Underwrite solution product with The Work Number from Equifax.<\/p>\n","protected":false},"author":39492,"featured_media":273641,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1692,267958],"tags":[2332,268826,9951,1222],"coauthors":[267988],"acf":[],"yoast_head":"\nGateless partners with Equifax on employment and income verification - HousingWire<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.housingwire.com\/articles\/gateless-partners-with-equifax-on-employment-and-income-verification\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gateless partners with Equifax on employment and income verification - HousingWire\" \/>\n<meta property=\"og:description\" content=\"Gateless announced an integration of its Smart Underwrite solution product with The Work Number from Equifax.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.housingwire.com\/articles\/gateless-partners-with-equifax-on-employment-and-income-verification\/\" \/>\n<meta property=\"og:site_name\" content=\"HousingWire\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2020\/09\/AdobeStock_201287724-e1693988452336.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"699\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Connie Kim\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Connie Kim\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.housingwire.com\/articles\/gateless-partners-with-equifax-on-employment-and-income-verification\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.housingwire.com\/articles\/gateless-partners-with-equifax-on-employment-and-income-verification\/\"},\"author\":{\"name\":\"Connie Kim\",\"@id\":\"https:\/\/www.housingwire.com\/#\/schema\/person\/2aec8cdd6080439362f1d6e460cd3593\"},\"headline\":\"Gateless partners with Equifax on employment and income verification\",\"datePublished\":\"2024-01-23T16:44:31+00:00\",\"dateModified\":\"2024-01-23T16:44:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.housingwire.com\/articles\/gateless-partners-with-equifax-on-employment-and-income-verification\/\"},\"wordCount\":261,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.housingwire.com\/#organization\"},\"keywords\":[\"Equifax\",\"Gateless\",\"Income verification\",\"Technology\"],\"articleSection\":[\"Mortgage\",\"Technology\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.housingwire.com\/articles\/gateless-partners-with-equifax-on-employment-and-income-verification\/#respond\"]}],\"copyrightYear\":\"2024\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.housingwire.com\/#organization\"},\"isAccessibleForFree\":\"False\",\"hasPart\":{\"@type\":\"WebPageElement\",\"isAccessibleForFree\":\"False\",\"cssSelector\":\".wp-block-housingwire-piano-member\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.housingwire.com\/articles\/gateless-partners-with-equifax-on-employment-and-income-verification\/\",\"url\":\"https:\/\/www.housingwire.com\/articles\/gateless-partners-with-equifax-on-employment-and-income-verification\/\",\"name\":\"Gateless partners with Equifax on employment and income verification - 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