Consumer Connect

Provide an enhanced borrower experience with direct payroll connections.

Overview#

Encompass® Consumer Connect is a digital mortgage point-of-sale (POS) platform developed by ICE Mortgage Technology®. The platform is designed to enhance the borrower experience by providing a seamless, paperless process accessible from any device.

Incorporating Argyle makes the borrower experience truly paperless:

1. Borrowers connect their payroll accounts through Argyle within Consumer Connect.
2. Argyle pre-fills loan application fields for the borrower using direct-from-the-source payroll data.
3. Imported payroll documents from the borrower's connections and Argyle income & employment verification reports will automatically be made viewable within Argyle's Encompass® integration for the borrower's loan file.

Borrower experience#

Starting a new loan application#

1. Borrowers apply through your Consumer Connect site.
2. Borrowers register for an account or log in to an existing one.

Importing employment and income#

1. When borrowers arrive at the Employment and Income section of the application, they first need to provide their consent to having their employment and income data imported by a third-party provider.

2. After consent, borrowers must select Import Employment/Income

   

3. The borrower will then fill out preliminary information such as their name, social security number, and date of birth (this information is typically pre-filled). Once completed, the borrower must click Next to open the Argyle interface:

   

Connecting payroll via Argyle#

1. Argyle's interface will guide the borrower through the process of logging in to their employers or payroll providers to establish a data connection.

   

2. Argyle will immediately begin importing the borrower's payroll data. If more employment history is required, the borrower will be prompted to connect additional accounts. Otherwise, the borrower can click Done to finish and exit the process.

   

Payroll data populates the application#

After the borrower completes the Argyle connection process, verified employment and income data will automatically populate the borrower's application and be mapped to the loan file, including:

• Borrower Employer Information (including start date and length of employment)
• Borrower Gross Monthly Income

Payroll documents and verification reports available in Encompass#

Imported payroll documents from the borrower's connections and Argyle income & employment verification reports will automatically be made viewable within Argyle's Encompass® integration for the borrower's loan file.

Admin setup#

1. Log in to the Consumer Connect Admin portal via Encompass®.

2. Go to Services Management and select Argyle as the Provider next to Employment and Income Verification Settings.

   

3. When prompted, enter your Argyle API key and secret, which can be found in the Developers section of Argyle Console.

   

4. Navigate to the LOAN APP WORKFLOWS section of the navigation menu, then select Create Workflow

   

5. Within Admin Configurations, open the Service Settings toggle.

6. Scroll down to VOE/VOI and enable the toggle then click Save

   

Testing#

1. Choose Argyle Sandbox when selecting a Provider during step 2 of Admin setup.

   

2. When testing connecting payroll via Argyle, use the following test credentials of Argyle's sample users:

   	Bob	Sarah	Joe*
   Email	test1@argyle.com	test2@argyle.com	test3@argyle.com
   Username	test_1	test_2	test_3
   Password	passgood	passgood	passgood
   Verification code	8081	8082	8083
   Phone number	(800) 900-0010	(800) 900-0020	(800) 900-0030
   Driver's license #	D1230010	D1230020	D1230030

   
   

3. For specific scenario testing, the following sample users are also available:

   	Homer Loanseeker	Suzi Builder	Andy Freddie
   Email	homer_loanseeker@argyle.com	suzi_builder@argyle.com	andy_freddie@argyle.com
   Username	homer_loanseeker	suzi_builder	andy_freddie
   Password	passgood	passgood	passgood
   Verification code	9081	9084	9088
   Phone number	(800) 900-0101	(800) 900-0104	(800) 900-0108
   Driver's license #	D1230101	D1230104	D1230108
   Returns	1 active employment	2 active employments	1 active and 1 terminated employment

For further assistance, please reach out to [email protected] or your Customer Success Manager.