Lending

The insights to give credit where credit is due.

Smarter lending decisions. A smoother borrower experience. Get the data you need to deliver both.

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Unlocking progress

Future-ready lending is here today

Secure, user-permissioned data is a launchpad to next-gen credit and financing.

⅔

of Millennial and Gen Z borrowers would use open finance to apply for credit or manage a loan¹

87%

of business respondents would use permissioned data insights for consumer lending decisions¹.

1 in 2

consumers would opt into data sharing to simplify the lending application process¹.

No. 4

businesses ranked improved access to capital, funding and loans among the top benefits of open finance¹.

The Mastercard advantage

With 95% coverage of U.S. DDA accounts, 90% coverage of US payroll accounts, and a history in the mortgage industry, Mastercard Open Finance delivers reliable data that lenders and borrowers trust.

CASE STUDY

Intercoastal and Mastercard: A seamless, cost-effective digital mortgage experience

See how Intercoastal Mortgage enables fast closing mortgage loans. Their automated underwriting system uses Mastercard's VOIE for Fannie Mae Day 1 Certainty.

Experian Boost

Thanks to open banking capabilities, Experian Boost has enabled more than 6 million consumers to leverage their telecommunications, utility, cell phone, and streaming service payments. That real-time data can boost FICO® Scores, increase financial inclusion, and enhance decisioning for lenders. The Finicity-Experian relationship has proven, once again, that consumer-permissioned data, combined with smart insights, opens the door to new possibilities.

CASE STUDY

Experian

Learn how Experian Boost can improve your credit score. Instantly add utility and subscription payments to your Experian credit file to see results fast.

Mastercard Open Banking’s new credentialed payroll enhancement was one of the simplest product launches we have done. The new experience integrated smoothly into our existing processes with no impact to loan processing workflows and an efficient borrower experience. We are excited to digitize our loan application experience with a much more cost-effective way to verify income and employment.

Josh Cilman Intercoastal Mortgage Executive Vice President Intercoastal Mortgage

Enable simpler, smarter decisions across mortgage, auto and personal lending

Mastercard Open Finance solutions empowers lenders with the tools and insights they need for confident decisioning.

Asset verification

Bank-validated insights on account ownership, current and average balances and transaction history.

Income verification

Get up to two years of income history in seconds. Filter with data intelligence for ranked income streams with confidence scores.

Employment history

Verify an applicant’s employment history using robust data access and insights.

Cashflow analysis

Powerful analytics dive deep into credits, debits and balances to get the full story on a borrower’s financial situation.

Scoring attributes

Create or inform credit scoring models with reliable data and analytics for simplified, broadly applicable credit decisioning.

Business lending

Open-finance-enabled analytics and predictive insights leverage permissioned data to transform business lending for SMB service providers.

Mortgage verification service resources

View MVS reports

1. Mastercard Rise of Open Banking Report, 2024.

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