RAVEN replaces weeks of manual data gathering with a single verification link. Your borrower clicks, connects, and consents — you get a complete, print-ready report with identity, income, credit, employment, and property data. Built for community and regional banks in South Carolina and the Southeast.
Stop chasing documents. Enter a borrower's phone number or email, and RAVEN handles everything — consent collection, bank connection, identity checks, and data enrichment. You get a formatted report ready for your loan file.
Enter a phone number or email. RAVEN sends your borrower a branded verification link — by text or email. No portals, no logins, no back-and-forth.
Every verification produces a formatted PDF report with identity, income, credit, employment, and property data — ready to drop into a loan file.
Track every verification from your dashboard. See when the borrower opens the link, completes each step, and when the report is ready to review.
Every data point is sourced and timestamped. Full audit trails, borrower consent records, and field-level provenance — all in one place for examiners.
Borrowers receive a simple link — no app downloads, no account creation, no scanning documents. They confirm their identity, connect their bank, and they're done.
Borrowers open a link on their phone, tablet, or computer. No app to install, no account to create. The entire process works in a mobile browser.
A few quick questions to confirm their identity — name, date of birth, and last four of their SSN. Verified instantly against multiple sources.
Borrowers connect their bank through Plaid — the same technology used by Venmo, Robinhood, and thousands of financial apps. Read-only access, no credentials shared.
All data is encrypted end-to-end and only shared with the lender the borrower is working with. Clear consent at every step. Nothing is collected without permission.
One verification produces a comprehensive borrower report covering every dimension lenders need — sourced from 18+ data providers and cross-referenced automatically.
Name, SSN, and date of birth verified against multiple sources. Fraud risk scoring, watchlist screening, and synthetic identity detection.
Bank account balances, income streams, and transaction history. Categorized spending patterns and cash flow analysis.
Credit scores, tradelines, payment history, outstanding liabilities, and utilization rates from all three bureaus.
Current and past employers, job titles, salary information, and employment dates — verified directly with employers.
Address verification, ownership history, property valuations, tax assessments, and length of residence at current address.
Every data point timestamped and sourced. Consent records, verification steps, and field-level provenance — ready for regulatory review.
Enriched borrower data flows directly into the core banking and loan origination systems your team already uses. No manual re-entry.
Push verified borrower profiles and loan application data directly into your core through the jXchange API layer.
Export enriched customer records and credit applications via the Banking Hub API across all Fiserv platforms.
Real-time event-driven sync for Modern Banking Platform, plus batch and API export for legacy cores.
Also works with leading loan origination systems including nCino, Abrigo, and Baker Hill.
RAVEN is currently in early access for regional banks and lending platforms. Leave your info and we'll reach out to schedule a demo.
Or email us directly at contact@reportraven.tech