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For Mortgage & HELOC Lenders.

A Full Credit Profile — Only 2 Fields.

No SSN Required.

Spinwheel brings verified identities, real-time liabilities, and instant payments together so mortgage and HELOC lenders can assess risk, match consumers, and act immediately — without friction in the flow.

Book a Demo

For Mortgage & HELOC Lenders.

A Full Credit Profile — Only 2 Fields.

No SSN Required.

Spinwheel brings verified identities, real-time liabilities, and instant payments together so mortgage and HELOC lenders can assess risk, match consumers, and act immediately — without friction in the flow.

Book a Demo

See How Spinwheel Works.

Consumer-initiated SMS authentication using just a phone number and date of birth.

Real-time debt profiles with balances, payoff amounts, and credit account information.

Direct-to-creditor payment rails with same-day and next-day settlement options.

Let’s Innovate Together.

Problem

Traditional Verification Stacks Don't Eliminate Friction, Operational Burden, or Risk.

Mortgage and HELOC lenders lose borrowers as soon as they ask for Social Security Numbers. Plus, they are often underwriting using credit bureau data that can be 30 to 45 days stale, and relying on manual payoff processes after funding.

Problem

Traditional Verification Stacks Don't Eliminate Friction, Operational Burden, or Risk.

Solution

More Borrowers. Less Friction.

With Spinwheel, consumers verify with just a phone number and date of birth and authorize access to their liability data with secure SMS authentication. No SSN required.

Lenders gain a real-time view of borrower obligations while reducing application friction and preserving the consumer experience from the first interaction.

Clearer Insights into What a
Borrower Owes Today.

Spinwheel provides real-time account-level liability data — including balances, payoff amounts, and creditor account information — to support DTI calculations. Current borrower obligations without relying on payoff statements collected manually.

Underwriters gain visibility into what a borrower owes today, not what was reported weeks ago, so that they are making decisions on real-time data.

Streamline Debt Pay Off at Funding.

Spinwheel’s embedded payments functionality enables lenders to execute direct-to-creditor payments immediately following funding for debt-consolidation HELOCs and cash-out refinance programs.

Lenders eliminate paper-check workflows and ensure consolidation funds are delivered directly to the intended creditors.

Solution

More Borrowers. Less Friction.

With Spinwheel, consumers verify with just a phone number and date of birth and authorize access to their liability data with secure SMS authentication. No SSN required.

Lenders gain a real-time view of borrower obligations while reducing application friction and preserving the consumer experience from the first interaction.

Clearer Insights into What a
Borrower Owes Today.

Underwriters gain visibility into what a borrower owes today, not what was reported weeks ago, so that they are making decisions on real-time data.

Streamline Debt Pay Off at Funding.

Spinwheel’s embedded payments functionality enables lenders to execute direct-to-creditor payments immediately following funding for debt-consolidation HELOCs and cash-out refinance programs.

Lenders eliminate paper-check workflows and ensure consolidation funds are delivered directly to the intended creditors.

Results that Show Up Where It Counts.

See how Spinwheel enables a complete path from verification to resolution to power live pre-qualification data and instant loan action, directly inside your application flow.

Book a Demo

Results that Show Up Where It Counts.

See how Spinwheel enables a complete path from verification to resolution to power live pre-qualification data and instant loan action, directly inside your application flow.

Book a Demo

Results that Show Up Where It Counts.

See how Spinwheel enables a complete path from verification to resolution to power live pre-qualification data and instant loan action, directly inside your application flow.

Book a Demo

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