Implement MVS Options

Mortgage Verification Service (MVS) allows you to verify a borrower’s assets, income, and employment. Implement MVS in the Connect application (app) or directly through the APIs.

Connect Application

Connect allows for flexibility in the implementation of the MVS apps to meet your needs. The following are the most common MVS implementations.

MVS-One Touch

Connect displays the MVS Financial, Payroll, and Paystub apps for the customer to verify their assets, income, and employment. As the customer enters their information throughout the workflow screens, Connect gathers their specific data in real-time all in one Connect session.

If no employment data is found in the Payroll app, then the Paystub app displays for the user to upload their most recent paystub. After the customer submits all their data for the loan, Connect compares the direct deposits to their bank accounts against the uploaded paystub amounts and generates the VOIE- Paystub (with TXVerify) Report.

Depending on the customer’s information, the following MVS reports are generated:

    • VOAI—Transaction Report
    • VOIE—Payroll Report

If no payroll employment data is available:

    • VOIE—Paystub (with TXverify) Report

MVS-Two Touch

Instead of gathering all MVS information from a customer in one Connect session, the data is gathered in two separate Connect sessions.

The first interaction gathers the customer’s bank account information through the Financial app and generates one of the following reports, depending on how you configured the Connect experience.

    • VOAI—Transaction Report
    • VOIE—Payroll Report

Later on, in the loan application or POS process, a second Connect session interacts with the customer to gather their income and employment data through the Payroll app.

If no employment data is available, then the customer can still verify their income through the Financial and Paystub apps. Depending on the customer’s input and the data gathered, either one or both of the following reports are generated.

    • VOIE—Payroll Report
    • VOIE—Paystub (with TXverify) Report

Direct API Integration

Implement MVS through your own user interface applications by using direct API calls. However, there are a few occasions where the customer still needs to interact directly with Finicity.

Note: Contact our sales engineers (SEs) for help with these options.

If you want to implement MVS using this method, then you’ll also need to generate your own reporting. The MVS reports are retrieved by the consumer ID as all MVS reports are reported to credit reporting agencies (CRA).

To generate a report, use the following APIs:

  1. Partner Authentication
  2. Add Customer
  3. Create Consumer
  4. Generate <product name> Report
  5. Get <product name> Report by Consumer

Example: If you wanted to generate a VOA report, you’d use the following APIs:

  1. Partner Authentication
  2. Add Customer
  3. Create Consumer
  4. Generate VOA Report
  5. Get VOA Report by Consumer


Note: All other MVS report APIs are listed on Finicity Lend—Reports.