As the visionary that first brought electronic asset verification to mortgage lending, Brent Chandler is one of few who can say he has truly transformed the way lenders do business.

While he started by founding FormFree in his basement, Chandler now leads five-time HW Tech 100 honoree FormFree into its 11th year of operations. Chandler created Passport, the all-in-one verification app that helps financial institutions determine borrower’s Ability to Pay. Within seconds, Passport collects, analyzes and certifies the identity, assets, income and employment data lenders need for safer and smarter lending decisions. FormFree accepted more than 1.5 million AccountChek Asset Report orders from lenders and verified more than $1 trillion in borrower assets since its launch. Chandler’s reputation for pushing industry innovation has made him an ongoing contributor to Fannie Mae and Freddie Mac’s innovation panels.