A Good Borrower Shouldn't Lose to Chime
Because Your Underwriting Takes Two Weeks.
CredVynt layers cash-flow signals, rent history, and payroll data onto thin-file applicants — returning an ECOA-defensible credit decision in seconds, with adverse action reason codes your compliance team can act on.
The FICO Gap Is Costing You Borrowers — and Relationships
When a thin-file applicant reaches your loan desk, bureau data is often silent — not because the borrower is a credit risk, but because FICO has no signal to work with. Your loan officer is left choosing between an undocumented override and a decline that sends a creditworthy borrower to a neobank.
Neobanks use verified payroll records, bank cash-flow analysis, and rental payment history as primary underwriting inputs. The data advantage isn't proprietary — community lenders simply haven't had a cost-effective, ECOA-defensible way to access it.
CredVynt closes that gap. Three alternative data layers, one REST API call, a decision with adverse action reason codes — all without replacing your existing loan origination system.
CredVynt does not replace your loan officer's judgment. We give your credit team the documented data to make better-informed decisions — and stand behind them in examination.
Explore the PlatformThree Data Layers. One Credit Decision.
Where traditional underwriting sees a blank file, CredVynt sees a complete picture — built from the financial behaviors that actually predict repayment.
Cash-Flow Signals
24 months of deposit and withdrawal patterns reveal income stability, expense discipline, and repayment capacity — far more than a static credit score.
Rent History
On-time rent payment is one of the strongest predictors of loan repayment — yet it's almost never reflected in a FICO score. We surface it.
Payroll Data
Employer-verified income and employment continuity, sourced directly from payroll providers with applicant consent — reducing fraud risk while expanding access.
Connected to Your LOS in Days, Not Quarters
CredVynt integrates into your existing loan origination workflow through a standard REST API. No rip-and-replace of your core system. No new consent forms for your applicants to sign separately — the applicant authorization is embedded in your existing application flow.
Connect Your LOS
A single REST API integration connects CredVynt to your Fiserv, Jack Henry, or FIS loan origination system. Your integration engineer does this once — typical setup is 2–3 days.
Applicant Consents
The applicant completes a brief consent flow in your existing application — authorizing CredVynt to pull their cash-flow, rent, and payroll data. Consent-first by design.
Decision with Full Audit Trail
CredVynt returns a decision with confidence score, per-layer data breakdown, and Reg B–formatted adverse action reason codes — ready for your loan officer to review. Every decision record is retained for examination and HMDA LAR reporting support.
Built for the Institutions That Know Their Communities
Community Banks
FICO-only underwriting is turning away creditworthy small-business owners and local families. CredVynt helps community banks compete with neobanks on decision speed and expand access to the thin-file segment.
Learn moreCredit Unions
Your members trust you with their payroll deposits. Now you can use that data — with their consent — to approve member loans faster, reduce delinquency risk, and deepen the member relationship.
Learn moreCDFIs
Mission-driven lenders serve the communities that traditional credit ignores. CredVynt's alternative data engine accelerates CDFI decisioning without compromising the mission — faster approvals, better impact data, ECOA-aligned.
Learn moreWhat Lenders Are Saying
"We'd been declining thin-file applicants on bureau scores alone for years — not because they were poor credit risks, but because we had no structured alternative to document our reasoning otherwise. The cash-flow analysis surfaced income patterns that our loan officers already knew intuitively. The pilot gave us a documented, ECOA-defensible framework to back those approvals."
"Our CDFI Fund certification requires us to document that we're serving Low-Income Designated Communities — and that our underwriting holds up under examination. Before CredVynt, producing that documentation was a manual grind. Now every decision record includes the data sources, the decision factors, and the census tract lookup. Our CDFI annual report section used to take days. It doesn't anymore."
Ready to Approve More Borrowers?
Start with a 60-day pilot. No long-term commitment required. We'll integrate with your LOS and have you running real decisions within two weeks.