Meet FormFree® at the MBA Annual booth 713

Why FFX®

Compatible lenders and borrowers need a better way to connect.

Lending is unprofitable and supply is short.

Interest rates and home prices are driving down loan application numbers. When leads do convert, record-high loan production expenses prevent lenders from turning a profit.

Intent and capacity are hard to quantify.

Lenders spend too much time sifting through expensive leads that provide poor ROI because consumers are either unqualified or unready to transact.

Millions are unfairly 
left out.

Outdated standards exclude millions of lendable consumers who have low FICO scores or nontraditional income but can sustainably support a mortgage.

How FFX® Helps

Stack the odds in your favor.

Stop sifting through applications. FFX cuts to the chase, delivering high-intent borrowers and inviting lenders to compete directly and transparently for their business. Make faster, more accurate loan decisions and be part of a transformative marketplace that drives profitability and inclusivity.

How FFX® Works

Insights that inform competitive loan offers

FFX is a marketplace where lenders review qualified borrowers and choose the ones they want to reserve. Verified financial data gives lenders everything they need to extend a compelling loan offer. The borrower’s identity remains anonymous until the offer is accepted. What data is included in a Qualified Borrower (QB) Medallion?


See account balances and transaction history classified and labeled for easy consumption by humans and automated underwriting systems.


Validate the borrower’s typical monthly income and income stability over time.


Verify where the applicant works, how much they get paid and how often they receive a paycheck.

ATP Analytics

Get deep ability to pay (ATP®) insights including cash-flow index, residual income (RIKI®), credit score and rent payment history.


Understand the borrower’s financial goals and the loan type and amount they are requesting.

CRA & DPA Eligibility

Identify borrowers who could benefit from down payment assistance or programs geared toward low-to-moderate income and minority consumers.

Get Started

Meet Qualified Borrowers today.

Join leading lenders like Guild, Synergy One Lending and Highland Mortgage who are already transacting on the FormFree Exchange.