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Employment, Income & Deposit Verification

Verify Employment, Income & Assets — All in One System.

Order VOE, VOI, and VOD through Credit Insight — leveraging a database of 220 million+ employment records and instant digital statements from 15,000+ financial institutions. Fast, compliant, and fully integrated.

220M+ Employment RecordsGSE Approved (VOD)FNMA LQI CompliantInstant Results
Verification Services — Order StatusVOE · VOI · VOD
Employment (VOE)✓ Verified — Instant
Income (VOI)✓ Verified — Instant
Deposit/Assets (VOD)✓ AccountChek Complete
Employer MatchConfirmed — Active
QM Ability-to-Repay✓ Standards Met
Data SourceDirect from Employer
What's Included

Employment, Income & Asset Verification in One Place

Stricter federal and investor requirements mean VOE, VOI, and ability-to-repay verifications are now universal standards. Credit Technologies makes all three fast, accurate, and compliant.

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Verification of Employment (VOE)

Verify applicant employment in seconds — employer name, headquarters, job title, employment status, and length of time with employer, sourced directly from employer records.

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Verification of Income (VOI)

Confirm ability to repay with complete compensation records — wages, bonuses, commissions, overtime, historical payment data, and projected pay increases.

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Verification of Deposit (VOD)

AccountChek™ provides instant digital statements from 15,000+ financial institutions — eliminating paper bank statements and VOD forms. GSE-approved and FCRA/HUD compliant.

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220M+ Employment Records

Leverage a database of more than 220 million employment and income records from over 2,500 employers — updated every payroll cycle for the most current data.

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QM & Ability-to-Repay

Meet Truth in Lending Act (Regulation Z) ability-to-repay and Qualified Mortgage standards, Fannie Mae LQI requirements, and CFPB/Dodd-Frank compliance.

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Fully Integrated Platform

Employment, income, credit, IRS, and fraud detection data all streamlined in one easy-to-use system. No separate vendors, no separate invoices.

How It Works

From Request to Verified in Seconds

  1. 1
    Submit Borrower Information
    Provide the borrower's name and Social Security number through Credit Insight or your LOS. Select VOE, VOI, VOD, or any combination.
  2. 2
    Instant Database Match
    Employment and income records are returned instantly from the database. For VOD, AccountChek sends a secure link to the borrower's device for digital statement retrieval.
  3. 3
    Researched Fallback if Needed
    If instant data isn't available, a researched verification is automatically initiated and completed with fully documented results via FNMA Form 1005.
  4. 4
    Pre-Close Re-Verification
    Fast re-verifications prior to loan closing confirm nothing has changed — ensuring employment, income, and asset status remain current through funding.
Verification Summary — Credit Insight
VOE — EmployerActive ✓
VOE — Job TitleSenior Loan Officer
VOE — Tenure4 yrs 7 mos
VOI — Annual IncomeConfirmed ✓
VOD — AccountChek3 Accounts Verified ✓
QM StandardsMet ✓
Data FreshnessCurrent Payroll Cycle
220M+
Employment and income records in the verification database
15K+
Financial institutions covered by AccountChek for VOD
2.5K+
Employers providing direct payroll-cycle data
35yrs
Mortgage verification expertise since 1990
Included: AccountChek™ (VOD)

Automate Your Deposit Verification Process

AccountChek™ automates the process of verifying a borrower's financial resources and ability to repay — eliminating paper bank statements and VOD forms. Borrowers can complete the process from any smartphone or tablet, providing a faster, more secure method for documenting deposit and asset information.

  • Instant digital statements from 15,000+ financial institutions
  • Approved by all GSEs including Freddie Mac and Fannie Mae
  • FCRA/HUD approved — meets CFPB and Dodd-Frank standards
  • Fully encrypted and SSAE 16 compliant
  • Accessible from any smartphone or tablet
VOD Pricing

Automate your Verification of Deposit process with AccountChek™. Contact our team to learn about current pricing and volume options for your organization.

Schedule a Demo →

Ready to Streamline Employment, Income & Asset Verification?

Join 15,000+ mortgage professionals who verify employment, income, and assets through Credit Technologies — instant results, full compliance, one integrated system.